Tariq, 36

A Content Manager from North London

Tariq isn’t really a fan of numbers, but he likes investing for many reasons: making money to send his parents in Egypt, developing the future, and – as a believer – staying in God’s good books.


"I like making money work for me, not just sit in the bank. Especially investing with a social element."


Going strong but still not confident

“I’ve been investing for a couple of years but I wouldn’t say I’m confident, because markets go up and down and I don’t have time to actually analyse my balance sheet like Warren Buffet. I didn’t graduate in finance, and I actually wouldn’t say I’m the kind of person who is very good with numbers. Numbers can be a bit too much for me. But I look at performances, and I try to take from different baskets as a general approach.

“I like making money work for me, not just sit in the bank. Especially investing with a social element – I don’t like to invest in weapons or gambling for example.

“And once I get into something I usually don’t sell. I only check every now and then to see if I need to take action, but even if the company is making losses a lot of the time I won’t sell it because I will potentially be losing money. As my overall portfolio is increasing all the time I’m not too worried if one of them is making a bit of loss. They balance out.”


I enjoy seeking out the next big thing

“I tend to put my money into different stocks that I believe in – especially if they’re part of the local community. Every quarter I try to save up some money and put them into shares.

“For example, I worked with a company doing scientific engineering. They develop materials like graphene for example. And lithium is interesting. They’re things that sound good for the future, so then I read more and that’s usually how I find things I want to invest in.

“I also worked for a fashion company and sustainability was a big thing. Using sustainable materials. I love the sea and the ocean so I care a lot about plastic – single use plastic and things like this. And I think electronic powered vehicles will help push away carbon emissions and so on, so I think as soon as they come on the market more I will look at these kinds of investments more.”

The best bit for me… there’s no guilt

“I wouldn’t say I feel good but I don’t feel guilt, which is really important. If I were investing in weapons or gambling then there would always be an associated guilt with it.

“I’m personally a believer in God, so I believe what comes around can go around as well, so I would rather put my money in a good place that does good for people.

“When I go into something it’s because I believe in the company’s culture. I believe that they are doing something different, changing the world in one way or another, and also that they have good management.

“I believe in just investing anyway because the future relies on it, and future generations as well. And why not develop clean energy and save the planet while you make money? Be profitable but also be environmentally responsible. It just makes sense. A lot of my decisions are based on gut feel, and this just feels right.”


Help me pick an investment fund

If, like Tariq, you want guilt-free investing that makes a positive, ethical change in the world, the following option is worth reading up on. Or have a look at a bigger range with The Share Centre's ocean-loving 'Water & Waste' list or Morningstar's 'No Sin Stocks' list on our Sustainable Savers home page. 

(We asked some of the leading names in sustainable investing to recommend a fund or two they like for our Sustainable Savers. This isn’t a personal recommendation and we’re not giving financial advice. Food for thought only, folks.)


Cleona Lira, Founder at Conscious Money, suggests...

Janus Henderson Global Sustainability Equity Fund

"Important caveat, this is not financial advice. These are two funds I would say meet global criteria with a broad ethical perspective and meet a high number of negative screens or avoid criteria on ethical screening: The Janus Henderson Global Sustainable Equity Fund and the BMO Responsible Global Equity fund.

"There are various criteria that guide decisions when one researches funds, including investment objective and policy (which is especially important for ethical funds), positive performance in relation to benchmark, fund size, fund costs, longevity of the fund, etc.

"I always encourage reading the fund factsheets before investing, including the top holdings of the funds. Trustnet has quite a lot of extra information on most funds, which you can find under 'Literature and download' on each fund page, usually in the bottom right of the page."

A few more fund suggestions

Sustainable Savers home

How are other investors having a positive impact?

Guide to ESG & Sustainable investing

• Quick start guide

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