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%-7%gross/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.
Equity investments
Community shares, company shares and depository receipts. Read more
- ContentID: 2750sharesrenewable-energyuk-wide
Low Carbon Hub
Return5% targetinterest per annum*Social impact1,257tonnes of CO2 avoided p/aMinimum amount£100Full details Financial performance key points
- *The Low Carbon Hub has a target return of 5% per annum from year four of investment. The target rate for the first four years is 4%.
- ContentID: 2729sharesrenewable-energylocal-regional
Bristol Energy Cooperative
Return3.5% targetinterest per annumSocial impact6,928tonnes of CO2 avoidedMinimum amount£100Full details Financial performance key points
- BEC has a target return of 3.5% per annum
- ContentID: 2652sharespropertyuk-wide
Brighton & Hove CLT
Return3%expected interest per yearSocial impact100families housed in Brighton eventuallyMinimum amount£250Full details Financial performance key points
- BHCLT expects to pay an interest rate of 3% annually
- ContentID: 2726sharescommunitylocal-regional
Common Ground Against Homelessness
Return5%interest accrues from March 2021Social impact9homeless men housed long termMinimum amount£500Full details Financial performance key points
- Common Ground Against Homelessness expects to pay 5% gross interest into a share account accruing from March 2021
- ContentID: 2742sharespropertylocal-regional
Calder Valley Community Land Trust
Return2%target interest per yearSocial impact8affordable homes in totalMinimum amount£250Full details Financial performance key points
- CVCLT expects to pay an interest rate of 2% annually
- ContentID: 2699sharescommunitylocal-regional
Mustard Seed Property
Return4.5%interest accrued in 2021 (3.5% in 2020)Social impact40+vulnerable adults housed and supportedMinimum amount£250Full details Financial performance key points
- Mustard Seed Property expects to pay 4.5% gross interest accruing yearly from 2021 (3.5% from 2020)
- ContentID: 2713sharespropertylocal-regional
Somerset Co-operative Community Land Trust
Return4.5%interest per yearSocial impact28additional affordable homes in SomersetMinimum amount£500Full details Financial performance key points
- Somerset Co-operatice CLT expect to pay an interest rate of 4.5%
- ContentID: 581sharescommunitylocal-regional
Ekopia
Return3%interest paid for the last ten 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 ten years.
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 2019Minimum amount500 sharesFull 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: 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)
Return7pdividend paid last yearSocial impact166,734MWhof renewable electricity generationMinimum 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£535,183fairtrade premiums in 2019Minimum amount300 sharesFull details Financial performance key points
- In 2019, Cafédirect saw turnover rise to £14m, which was a 7% increase on the previous year.
- 2019 saw a second consecutive year of surpluses on a full year basis, with a profit after tax of £156k to the end of December 2019 (£171k 2018)
- 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: 1693Secondary marketrenewable-energylocal-regional
Thrive Renewables (Buchan) Ltd
Return5.5%gross interest per yearSocial impact1,350 homesequivalent powered each year1Minimum amount1 bondFull 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
Return56.51%cumulative performance since 2015as at 31 May 2020Social impact50sustainable companies invested intoMinimum amount£3,000Full details Financial performance key points
- Since 2015 the Sustainability Fund has delivered a 56.51% cumulative performance
- ContentID: 2233Fundsfinanceuk-wide
Resonance Impact Investment Funds
Return7-8% IRR12% (post tax relief) Gross EquivalentSocial impact£5mtarget to invest in social enterprisesMinimum amount£20,000(minimum £10,000 per region)Full details Financial performance key points
- 7-8% target post tax relief IRR Based on 30% income tax relief arising from investments made 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: 2228Fundsfinanceuk-wide
Resonance Impact Investment Funds
Return7-8% IRR12% (post tax relief) Gross EquivalentSocial impact£5mtarget to invest in social enterprisesMinimum amount£20,000(minimum £10,000 per region)Full details Financial performance key points
- 7-8% target post tax relief IRR Based on 30% income tax relief arising from investments made 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: 2472FundsfinanceWorldwide
Bethnal Green Ventures
Return£2 for every £1subscribed - target; net of all feesand before any tax reliefsSocial impact127tech for good ventures invested inMinimum 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
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: 2528ISAsfinanceuk-wide
Ecology Building Society
Return0.60%variable 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.
Savings accounts and savings bonds
Accounts where you can put some cash and earn some interest. Read more
- ContentID: 1145savings-accountsfinanceuk-wide
Ecology Building Society
Return1.00% to 1.45% (changes 3rd Aug 20)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
Return0.35%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
Return1.25%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.