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Allowing pension investments in residential property would only make house prices go higher and hurt lower income families, that's not ethical. As for ethical

Allowing pension investments in residential property would only make house prices go higher and hurt lower income families, that's not ethical. As for ethical investing, there are plenty of options in the pension market: https://www.youinvest.co.uk/articles/investmentarticles/86842/how-invest-ethically https://www.youinvest.co.uk/articles/investmentarticles/8684... Personally, I've shifted away from etfs and buy actual shares with voting rights. Everyone can be an activist investor with a SIPP.

hkt 5y ago
I'd like to do activist investments too, but they're savagely time consuming. By ethical, I mean no-eviction tenancies, long tenancies, no rent increases, etc. The fact is that lower income families have no hope whatsoever in the UK of buying a house because low incomes are now a signifier of insecure work. There's a section of the population that rotate through housing regularly enough through no fault of their own (because of landlords) that their kids can't go to the same school each year etc. Shelter has an introduction to the idea here: https://blog.shelter.org.uk/2012/11/a-return-to-revolving-door-homelessness/ https://blog.shelter.org.uk/2012/11/a-return-to-revolving-do... I'm aware of many of the other 'ethical' schemes on the market, but mostly, they're not actually that ethical once you scratch the surface. The genuinely interesting ethical stuff does carry some risk, but also accomplishes a lot. See the kinds of things listed here for what I mean: https://www.ethex.org.uk/investments https://www.ethex.org.uk/investments What I'd really like in my pension is freedom to take some risks, and representative democracy. It boils my blood to know that fund managers don't have to respect my values when they've investing my money. Likewise when the government says I can't invest in things I understand and approve of.

hkt 5y ago

I'd like to do activist investments too, but they're savagely time consuming. By ethical, I mean no-eviction tenancies, long tenancies, no rent increases, etc. The fact is that lower income families have no hope whatsoever in the UK of buying a house because low incomes are now a signifier of insecure work. There's a section of the population that rotate through housing regularly enough through no fault of their own (because of landlords) that their kids can't go to the same school each year etc. Shelter has an introduction to the idea here: https://blog.shelter.org.uk/2012/11/a-return-to-revolving-door-homelessness/ https://blog.shelter.org.uk/2012/11/a-return-to-revolving-do... I'm aware of many of the other 'ethical' schemes on the market, but mostly, they're not actually that ethical once you scratch the surface. The genuinely interesting ethical stuff does carry some risk, but also accomplishes a lot. See the kinds of things listed here for what I mean: https://www.ethex.org.uk/investments https://www.ethex.org.uk/investments What I'd really like in my pension is freedom to take some risks, and representative democracy. It boils my blood to know that fund managers don't have to respect my values when they've investing my money. Likewise when the government says I can't invest in things I understand and approve of.