Ethical Investments

Ethical investing is becoming an increasingly popular decision for many UK investors today. It involves the active consideration of social & environmental impact, in addition to financial returns, when evaluating potential investments.
 
 
 

Ethical Investing

Companies offering ethical investment options focus on sustainability, human rights, and other social responsibilities.

It seeks to generate both financial returns and positive social change by using a “triple bottom line” approach of assessing the social, environmental, and economic impact of each investment.

While still seeking to maximise return, ethical investors may choose to exclude investments in questionable areas such as tobacco, gambling, animal testing, nuclear weapons, or oppressive regimes. They may also opt for investments in companies that are committed to responsible environmental practices, support workers’ rights, and pay a living wage in addition to their own financial criteria.

Ethical investing can be a powerful tool for achieving positive behavioural change in organisations that otherwise lack meaningful regulation or enforcement when it comes to pursuing these ideals.

ethical ESG concept

REASONS TO invest in ethical investments

Alignment with Values

It allows investment in line with personal beliefs and values.

Risk Mitigation

Focusing on ESG issues can reduce risks, as ethical companies are less prone to regulatory fines and reputational damage.

Personal Satisfaction

Investing ethically offers peace of mind by contributing to positive social and environmental impacts.

Innovation and Future Readiness

Ethical companies, especially in renewable energy and sustainable materials, are often at the forefront of innovation and market leadership.

A hedge against inflation and downturns

This product, we have a disciplined investing plan for inflation by cultivating asset classes that outperform the market during an inflationary climate.

Creation of generational wealth

The most practical steps you can take to protect your generational wealth are with New Capital Link.

An investment with our product providers are created with security and transparency in mind, offering you the confidence you need when making an investment.

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What Our Clients Say

It’s been a very long year as someone that’s a nervous investor and also takes time to research the product introduced to me the only reason for the 4 star was I got paid a few days late however I must say after my first year with this company they have delivered. Thank you Georgina and I look forward to a very fruitful relationship going forward. All the best John
John Tolmie
13 Jan 2024
Great experience, Thank you James Extremely happy with the experience and even more so with my first exit, took a pun with NCL and it definitely paid off. A massive thank you, to James, for all the time and efforts you put in and even more so with the fact that I was somewhat dubious at first to say the least! But was very understanding, walking me through the whole process from start to finish provided all the information required to allow me to do my due diligence. Great company, very friendly and knowledgeable, would highly recommend. Look forward to working with you again in the future.
David Clotworthy
31 Mar 2023
Highly recommend New Capital Link. As a follow up to my on-boarding review, I am delighted to report, one year on, that James Harper, Director of Business Development, has delivered on successful exits on both my Acorn Bond and on a Loan Note with 79th Group which gave me a high monthly return on a large sum invested. James continues to provide guidance and support on upcoming projects and is always thinking of clients' financial security first and foremost. Andrea Green
Andrea Green
18 Nov 2022
Recently enjoyed My 2nd exit from 79th Group, very happy with both the returns and exemplary customer service I received , special thanks to georgina and Alex who couldn't do enough to ensure my needs were met
Angela Ward
16 Dec 2023
Both James Harper and Geraldine Rigby have been excellent at communicating the opportunities that NCL has to generate wealth. They are well briefed and always available to talk and advise. In my experience, NCL is a safer place for one’s investments than the stock market.
Richard Williams
10 Dec 2023
Very nice to see how Northumberland west chev has come along as someone that was in on every phase and it’s incredible to see the final finish of the development. Also incredibly rewarding and full credit to luke smith for the intro. I’m now with ashbrooks inspired and look forward to seeing how this development comes along. Thank you Alex santos and l look forward to future opportunity.
Adam Rayner
13 Jan 2024
I felt reassured with my investments. I first spoke to Georgina from New Capital Link back end of 2021, the timing for not right me for to do any investments and I asked her to contact me in 2022. There was no pressure or hard sell. I spoke with Georgina and James again in 2022 and and made an investment with two companies, with one maturing early this year. Both Georgina and James have guided me in the investments, kept in touch with updates on all my investments and been on hand to answer any questions. I’m looking forward to investing more with them.
Neelma Shah
11 October 2023

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.

What are the key risks?

1. You could lose all the money you invest

If the business offering this investment fails, there is a high risk that you will lose all your money. Businesses like this often fail as they usually use risky investment strategies. 

Advertised rates of return aren’t guaranteed. This is not a savings account. If the issuer doesn’t pay you back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher risk of losing your money. If it looks too good to be true, it probably is.

These investments are sometimes held in an Innovative Finance ISA (IFISA). While any potential gains from your investment will be tax free, you can still lose all your money. An IFISA does not reduce the risk of the investment or protect you from losses.

2. You are unlikely to be protected if something goes wrong

The business offering this investment is not regulated by the FCA. Protection from the Financial Services Compensation Scheme (FSCS) only considers claims against failed regulated firms. Learn more about FSCS protection here. https://www.fscs.org.uk/what-we-cover/investments/ or

Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here. https://www.fscs.org.uk/check/investment-protection-checker/

The Financial Ombudsman Service (FOS) will not be able to consider complaints related to this firm or Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA-regulated firm, FOS may be able to consider it. Learn more about FOS protection here. https://www.financial-ombudsman.org.uk/consumers

3. You are unlikely to get your money back quickly

This type of business could face cash-flow problems that delay interest payments. It could also fail altogether and be unable to repay investors their money. 

You are unlikely to be able to cash in your investment early by selling it. You are usually locked in until the business has paid you back over the period agreed. In the rare circumstances where it is possible to sell your investment in a ‘secondary market’, you may not find a buyer at the price you are willing to sell.

4. This is a complex investment

This investment has a complex structure based on other risky investments. A business that raises money like this lends it to, or invests it in, other businesses or property. This makes it difficult for the investor to know where their money is going.

This makes it difficult to predict how risky the investment is, but it will most likely be high.

You may wish to get financial advice before deciding to invest.

5. Don’t put all your eggs in one basket

Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well. 

A good rule of thumb is not to invest more than 10% of your money in high-risk investments. https://www.fca.org.uk/investsmart/5-questions-ask-you-invest

If you are interested in learning more about how to protect yourself, visit the FCA’s website here: https://www.fca.org.uk/investsmart

For further information about minibonds, visit the FCA’s website here.https://www.fca.org.uk/consumers/mini-bonds