Innovative Finance ISA
The Innovative Finance ISA is an addition to the tax incentives that can apply to social investments and is aimed at people wanting to take advantage of their annual ISA allowance of £20,000 and use it for investments. Read more
- ContentID: 2328Innovative_Finance_ISArenewable-energydeveloping-world
Energise Africa
Return5% and abovegross/AER, variableSocial impactVariesIncreasing solar technology accessMinimum amount£50Full details Financial performance key points
- Energise Africa enables you to invest in bonds issued by solar companies bringing life-changing solar energy access to families in sub-Saharan Africa.
- ContentID: 2575Innovative_Finance_ISArenewable-energylocal-regional
Westmill Solar
Return5%6% for local bondholders on £1,000Social impact1,503tonnes of carbon dioxide avoided in 2018Minimum amount£1000£250 for non-IFISA investmentsFull details Financial performance key points
- Westmill Solar are targeting an interest rate of 5% or 6% for local bondholders
Equity investments
Community shares, company shares and depository receipts. Read more
- ContentID: 2531sharesfinancelocal-regional
ART Business Loans
Return25% Tax reliefover 5 yearsSocial impact433Businesses SupportedMinimum amount£500Full details Financial performance key points
- Community Investment Tax Relief (CITR) gives a deduction of 5% of the amount invested from an investor’s Income Tax bill or Corporation Tax bill each year for five years.
- ContentID: 2569sharesrenewable-energylocal-regional
BHESCo
Return5%gross interest per yearSocial impact1309tonnes of CO2 savedMinimum amount£250Full details Financial performance key points
- 5% gross interest per year.
- ContentID: 2506sharescommunitylocal-regional
Brighton Energy Coop
Return5%interest per year from 2021Social impact9schools fitted with rooftop solar PVMinimum amount£300Full details Financial performance key points
- Brighton Energy Co-op expect to pay an interest rate of 5% from 2021
- ContentID: 2494sharescommunitylocal-regional
London Capital Credit Union
Return0% - 2%Historical returnsSocial impact£129 million financial benefitto members forecast in next 5 yearsMinimum amount£1,000Full details Financial performance key points
- London Capital has made 0% - 2% payments in the past
- ContentID: 2455sharespropertylocal-regional
St Ives Community Land Trust
Return4%interest per year from 2020Social impact6affordable homes in St IvesMinimum amount£350Full details Financial performance key points
- St Ives CLT expect to pay an interest rate of 4% from 2020
- ContentID: 2560sharescommunityuk-wide
Student Co-op Homes
Return4%per year expected to be paid from 2021for investments over £250Social impact3student housing co-ops supportedMinimum amount£250£50 minimum for non-interest sharesFull details Financial performance key points
- Student Co-op Homes expect to pay an interest rate of 4% from June 2021
- ContentID: 2524sharescommunitylocal-regional
The Hive at de bees
Return3%interest per yearSocial impact1 community venuesaved for community useMinimum amount£200£20 for Winsford residentsFull details Financial performance key points
- The Hive expects to pay an annual interest rate of 3%
- ContentID: 581sharescommunitylocal-regional
Ekopia
Return3%interest paid for the last seven yearsSocial impact£1 millioninvested in the Findhorn communityMinimum amount£500Full details Financial performance key points
- Ekopia has paid 3 % interest to investors for the last seven years.
- ContentID: 2548sharespropertylocal-regional
YorSpace
Return2.5%interest per year from 2021paid in to share accountSocial impact19 homesfor families in YorkMinimum amount£250Full details Financial performance key points
- YorSpace expect to pay an interest rate of 2.5% from 2021
Charity bonds, business bonds and debentures
Long term loans to either a charity or a business. Read more
- ContentID: 2572bondsrenewable-energylocal-regional
Westmill Solar
Return5%6% for local bondholders on £1,000Social impact1,503tonnes of carbon dioxide avoided in 2018Minimum amount£250£1000 for IFISA investmentsFull details Financial performance key points
- Westmill Solar are targeting an interest rate of 5% or 6% for local bondholders
Secondary market
These products are available to purchase from existing investors, which is known as a secondary market. The majority of these products use the Ethex Bulletin Board for their secondary market.
- ContentID: 352Secondary marketpropertyuk-wide
The Ethical Property Company
Return3.5pmost recent dividendSocial impactover 1,000organisations supported in 2018Minimum amount£250Full details Financial performance key points
- The company’s policy is to pay a dividend to shareholders equal to at least 50% of its trading profits each year.
- ContentID: 889Secondary marketrenewable-energyuk-wide
TLS Hydro Power
Return7%interest per annumSocial impact5.5MWenough electricity to supply 5,000 homesMinimum amount500 bondsFull details Financial performance key points
- Ethex provides a matched bargain service for buying and selling bonds after the original bond offer closes.
- ContentID: 1606Secondary marketcommunityuk-wide
Greenwich Leisure
Return3%interest per annumSocial impactover 10,500disabled people supportedMinimum amount£500Full details Financial performance key points
- Ethex provides a matched bargain service for buying and selling bonds after the original bond offer closes.
- ContentID: 749Secondary marketrenewable-energyuk-wide
Thrive Renewables plc (formerly Triodos Renewables plc)
Return7 pencedividend paid last yearSocial impact104.9MWof clean green energy capacityMinimum amountnoneFull details Financial performance key points
- Thrive Renewables aims to provide shareholders with a commercial financial return on their investment, through a combination of share price growth and regular annual dividends.
- ContentID: 873Secondary marketfair-tradedeveloping-world
Cafédirect
Return0%dividend last yearSocial impact£406,000fairtrade premiums in 2017Minimum amount300 sharesFull details Financial performance key points
- In 2018, Cafédirect saw turnover rise to £13.1m, which was a 1.9% increase on the previous year.
- 2018 saw a return to profitability on a full year basis, with a profit before tax of £218k to the end of December 2018, an improvement of £561k on 2017, when a loss of £343k occurred.
- ContentID: 1526Secondary marketpropertyuk-wide
Thera Trust
Return5.5%interest per annumSocial impact3,000People with a learning disability helpedMinimum amount£1000Full details Financial performance key points
- Ethex provides a matched bargain service for buying and selling bonds after the original bond offer closes.
- ContentID: 2435Secondary marketpropertyuk-wide
Thera Trust
Return5.5%interest per annumSocial impactOver 3,000people with a learning disability helpedMinimum amount£100Full details Financial performance key points
- Ethex provides a Bulletin board service for buying and selling Thera's 2018 bonds
- ContentID: 1646Secondary marketrenewable-energylocal-regional
Linton Hydro
Return7.5%gross interest per yearSocial impact1,250 MWhclean electricity generated each yearMinimum amount400 bondsFull details Financial performance key points
- Linton Hydro Limited will pay 7.5% gross interest per year, fixed and payable (net of UK basic rate tax) annually in arrears on 30 June in each calendar year.
- ContentID: 1693Secondary marketrenewable-energylocal-regional
Thrive Renewables (Buchan) Ltd
Return5.5%gross interest per yearSocial impact1,350 homesequivalent powered each year1Minimum amount£250Full details Financial performance key points
- The bond will pay 5.5% gross per year, fixed and payable (net of UK basic tax) annually in arrears on 15 July each calendar year.
Funds
When you invest in a fund the fund manager invests in a wide range of investments on your behalf, helping to spread your risk.
- ContentID: 1154FundsfinanceWorldwide
WHEB Asset Management
Return53.3%cumulative performance since 2013as at 31 December 2018Social impact58sustainable companies invested intoMinimum amount£3,000Full details Financial performance key points
- Since 2013 the Sustainability Fund has delivered a 53.3% cumulative performance
- ContentID: 2233Fundsfinanceuk-wide
Resonance Impact Investment Funds
Return7-8% IRR12% Gross Equivalent pre-tax returnSocial impact£5mtarget to invest in social enterprisesMinimum amount£20,000(minimum £10,000 per region)Full details Financial performance key points
- 7-8% target IRR Based on 30% income tax relief arising from investments over a two-year period, and an assumed average interest rate of c.3% during years one and three and c.5% during years four to six, with capital repayment between years four to six
- ContentID: 2228Fundsfinanceuk-wide
Resonance Impact Investment Funds
Return7-8% IRR12% Gross Equivalent pre-tax returnSocial impact£5mtarget to invest in social enterprisesMinimum amount£20,000(minimum £10,000 per region)Full details Financial performance key points
- 7-8% target IRR Based on 30% income tax relief arising from investments over a two-year period, and an assumed average interest rate of c. 3% during years one to three and c. 5% during years four to six, with capital repayment between years four to six
- ContentID: 2345FundsfinanceWorldwide
SIS Ventures
Return8%target IRRincluding tax reliefsSocial impact£100k - £500kinvested in each enterpriseMinimum amount£15,000Full details Financial performance key points
- The fund is targeting a return of 8% IRR
- This target includes tax reliefs
- ContentID: 2472FundsfinanceWorldwide
Bethnal Green Ventures
Return£2.00 for every £1.00 subscribedtarget; net of all feesand before any tax reliefsSocial impactTo invest in people working in fields ofhealthcare, education & civic engagementMinimum amount£20,000Full details Financial performance key points
- The fund is targeting £2.00 for every £1.00 subscribed
- This target is net of all fees and before any tax reliefs
- ContentID: 914FundsfinanceWorldwide
Triodos Sustainable Pioneer Fund
Return13.1%*AAR over last 5 years (as of Oct 2018)*based on change in net asset value NAVSocial impactOver 40innovative companies invested inMinimum amount£1,000Full details Financial performance key points
- The return includes ongoing charges but excludes entry and exit fees.
- Past performance is not a guide to future returns and you may not get back the amount you originally invested.
ISAs
These products enable you to save up to £20,000 in any tax year, whilst also benefitting from interest payments free of tax.
- ContentID: 417ISAsfinanceWorldwide
Triodos Bank NV
Return0.95%AER, variable, tax freeSocial impact€5.2 billionlent to projects internationally in 2015Minimum amount£10Full details Financial performance key points
- Save up to £20,000 a year completely tax-free.
- ContentID: 419ISAsfinanceWorldwide
Triodos Bank NV
Return0.95%AER fixed for 2 years, tax freeSocial impact€5.2 billionlent to projects internationally in 2015Minimum amount£1Full details Financial performance key points
- Save up to £20,000 a year completely tax-free.
- ContentID: 421ISAsfinanceWorldwide
Triodos Bank NV
Return1.10%AER fixed for 3 years, tax freeSocial impact€5.2 billionlent to projects internationally in 2015Minimum amount£1Full details Financial performance key points
- Save up to £20,000 a year completely tax-free.
- ContentID: 2528ISAsfinanceuk-wide
Ecology Building Society
ReturnVariable interest rate of 1.10%AER/gross per annumSocial impact255sustainable buildings financed in 2018Minimum amount£25Full details Financial performance key points
- Your savings earn you interest, and make you a member, giving you a say in how Ecology is run.
- ContentID: 495ISAsfinanceWorldwide
Triodos Bank NV
Return15.5%*return in 2017*based on change in net asset value NAVSocial impactOver 40innovative companies invested inMinimum amount£1,000Full details Financial performance key points
- Invest up to £20,000 tax-free.
- The return includes ongoing charges but excludes entry and exit fees.
- Past performance is not a guide to future returns and you may not get back the amount you originally invested
Savings accounts and savings bonds
Accounts where you can put some cash and earn some interest. Read more
- ContentID: 411savings-accountsfinanceWorldwide
Triodos Bank NV
Return0.80%gross/AER, variableSocial impact€5.2 billionlent to projects internationally in 2015Minimum amount£1Full details Financial performance key points
- You can transfer money online to your nominated account, without notice.
- ContentID: 413savings-accountsfinanceWorldwide
Triodos Bank NV
Return0.95%gross/AER, fixed for 2 yearsSocial impact€5.2 billionlent to projects internationally in 2015Minimum amount£500Full details Financial performance key points
- Your bonds will be protected up to a total of €100,000 by the Deposit Guarantee Scheme in the Netherlands.
- ContentID: 415savings-accountsfinanceWorldwide
Triodos Bank NV
Return1.10%Gross/AER, fixed for 3 yearsSocial impact€5.2 billionlent to projects internationally in 2015Minimum amount£500Full details Financial performance key points
- Your bonds will be protected up to a total of €100,000 by the Deposit Guarantee Scheme in the Netherlands.
- ContentID: 334savings-accountscommunitylocal-regional
Bristol Credit Union
Return1%dividend paid for last four yearsSocial impact20%increase in loans made in 2014 over 2013Minimum amount£1*Full details *plus £2.50 joining feeFinancial performance key points
- Your savings earn you a dividend, and make you a member, giving you a say in how the Credit Union is run
- ContentID: 1145savings-accountsfinanceuk-wide
Ecology Building Society
Return1.00% to 1.45%tiered interest AER/gross per annumSocial impact255sustainable buildings financed in 2018Minimum amount£500Full details Financial performance key points
- Your savings earn you interest, and make you a member, giving you a say in how Ecology is run.
- ContentID: 144savings-accountsfinanceuk-wide
Ecology Building Society
Return0.85%interest AER/gross per annumSocial impact£38.4mlending to 255 projects in 2018Minimum amount£25Full details Financial performance key points
- Your savings earn you interest, and make you a member, giving you a say in how Ecology is run.
- ContentID: 1143savings-accountsfinanceuk-wide
Ecology Building Society
Return1.75%interest AER/gross per annumSocial impact£38.4mlending to ecological projects in 2018Minimum amount£25 per monthFull details Financial performance key points
- This account is limited to two withdrawals a year. Your savings also earn you interest, and makes you a member of the society.
- ContentID: 1091savings-accountsfinanceWorldwide
Triodos Bank NV
Return0.8%gross/AER, fixed for 1 yearsSocial impact€5.2 billionlent to projects internationally in 2015Minimum amount£500Full details Financial performance key points
- Your bonds will be protected up to a total of €100,000 by the Deposit Guarantee Scheme in the Netherlands.
Children's savings accounts
Savings accounts especially for children. Read more
- ContentID: 318childrens-savings-accountscommunitylocal-regional
Bristol Credit Union
Return1.5%interestSocial impact20%increase in loans made in 2014 over 2013Minimum amount£1Full details Financial performance key points
- The money munchers account is open to individuals aged 18 or under, living, working or being educated in the former Avon County area
- ContentID: 425childrens-savings-accountsfinanceWorldwide
Triodos Bank NV
Return1.05%gross/AER variable interestSocial impact€5.2 billionlent to projects internationally in 2015Minimum amount£1Full details Financial performance key points
- For your child, grandchild, nephew, niece, or godchild.