Here is a copy of the slide presentation from my mini lecture tour in Australia in April/May 2012. There is an Audio track with each slide but you will need to download the Presentation to hear it (23Mb). I spend some time looking at the principles of Cruelty Free Money and then look at the way in which the Banks, Investment and Superfund companies invest YOUR money without consulting you. You might be quite shocked, especially when it comes to where the largest Superfund providers invest their customers' money.

2. Introduction
Lee Coates OBE
Director:
Ethical Money (Aus)
Ethical Investors (UK)
Ethical Screening (UK)

4. Cruelty Free Money
– What is it?
The most holistic form of
ethical/responsible investment,
saving and banking

5. Cruelty Free Money
– When did it start?
1992 in the UK

6. Cruelty Free Money
– What are the issues?
My
“Three Pillars”
of
responsible investment

7. Cruelty Free Money
– What are the issues?

8. Cruelty Free Money
– What are the issues?
People:
• Manufacture and sale of weapons
• Human Rights abuse
• Child labour
• Climate Change
• Nuclear Energy
• “Sin areas”

9. Cruelty Free Money
– What are the issues?
Planet:
• Deforestation (Palm Oil)
• Climate Change
• Pollution
• Extractive Industries *

10. Cruelty Free Money
– What are the issues?
Animals:
• Live Exports
• Animal testing
• Intensive farming
• Fur
• Climate Change

11. Cruelty Free Money
Back to Basics:
• Banking
• Saving/investment
• Superfunds

12. Cruelty Free Money –
Back to Basics
The Banks:

13. Cruelty Free Money –
Back to Basics
The Banks:
How do they make their money?
• Lending to individuals
• Lending to companies
• Financial Trading

14. Cruelty Free Money –
Back to Basics
The Banks:
Individual Lending
• Personal Banking
• Personal Loans
• Mortgages
• Credit Cards

15. Cruelty Free Money –
Back to Basics
The Banks:
Individual Lending – Just whose money is it?
Average Deposit Rates - 4%
Average Mortgage Rates - 6.5%
Average Personal Loan Rates - 8.7%
Average Credit Card Rates - 17%

16. Cruelty Free Money –
Back to Basics
The Banks:
Lending to Companies –
Arms Manufacturers
Live Exporters
Native Forest loggers
Animal testing
Using child labour in production
Polluters
and so on, and so on

17. Cruelty Free Money –
Back to Basics
The Banks:
Moral issue No:1
Unless you control how your money is used, it
will be used to finance things you don’t want
support.

18. Cruelty Free Money –
Back to Basics
Savings and long term investment:

19. Cruelty Free Money –
Back to Basics
Savings and long term investment:
• Mostly investment in companies (Equities and
Bonds)
• Can be Commercial Property
• Can be infrastructure

20. Cruelty Free Money –
Back to Basics
Savings and long term investment:
Equities and Bonds –
THIS IS IMPORTANT

21. Cruelty Free Money –
Back to Basics
Savings and long term investment:
Equities and Bonds –
REALLY IMPORTANT

22. Cruelty Free Money –
Back to Basics
Savings and long term investment:
If YOU own SHARES in a COMPANY – YOU are an
OWNER of that company.
The Directors act in the interests of YOU, the OWNER
So.............................

23. Cruelty Free Money –
Back to Basics
Savings and long term investment:
When the Directors expand their LIVE
EXPORTS, their ANIMAL TESTING, increase the
number of BATTERY CAGES....

24. Cruelty Free Money –
Back to Basics
Savings and long term investment:
They are doing it
FOR YOU
and with
YOUR AGREEMENT

25. Cruelty Free Money –
Back to Basics
Savings and long term investment:
If you don’t invest direct in shares, then what
about –
• Insurance Savings plans
• Unit Trusts
• Managed Funds

26. Cruelty Free Money –
Back to Basics
Savings and Investment:
Moral issue No:2
Unless you dictate the values applied to your investments,
there may be no values applied at all

27. Cruelty Free Money –
Back to Basics
SUPERFUNDS

28. Cruelty Free Money –
Back to Basics
SUPERFUNDS
It is possible to invest in:
• Direct shares
• Managed Funds
• Property
• Infrastructure

29. Cruelty Free Money –
Back to Basics
SUPERFUNDS
MAKE SURE IT IS INVESTED
IN LINE WITH YOUR VALUES
Because if you don’t.........

30. Cruelty Free Money –
Back to Basics
SUPERFUNDS
Common Industry Fund holdings (from some of the largest Superfunds):
BHP RIO Wesfarmers Woolworths
(Coles)
Elders Cochlear GlaxoSmithkline Qantas
Gunns NuFarm (GM) TATTS
Nippon MacDonalds Dassault Charoen
Meatpackers Pokphand Food
Canadian Oil Burberry BP BaE Systems
Sands

31. Cruelty Free Money –
Back to Basics
Summary: Who should invest responsibly?
• Individuals with personal values/beliefs
• Charities/Not-for-Profit
• Ethical Businesses
• Trade Unions

32. Cruelty Free Money
www.crueltyfreemoney.com