Our objective:
maximize performance
minimize risk and volatility
optimize social and environmental benefit
Our Investment Approach
Our investment philosophy is rooted in more than 29 years of portfolio management experience through market upturns and downturns. We believe that active management is the best way to protect and grow client assets. We therefore employ a dynamic investment strategy, using tactical asset allocation to match evolving market conditions. We take a long-term view of risk management and avoidance, drawn from financial, economic and systems theorists.
The architecture of our investment models seeks to mimic the natural world, where everything is interrelated and interdependent. This design allows us to see the whole of money flows and continually adjust according to economic, political and public awareness environments.
We do not outsource portfolio construction. Our portfolio manager is readily available to all clients. At the same time, we build portfolios using mutual funds and actively managed ETFs whose managers have demonstrated the ability to consistently outperform their peer groups and their appropriate market indices, as well as provide superior risk-return and capture ratios.
We utilize an integrated analysis approach that includes 1) Fundamental Financial Analysis 2) Technical Financial Analysis and 3) ESG - Environmental, Social Responsibility and Corporate Governance Analysis. Using data from leading providers such as Morningstar and MSCI, intelligence from industry experts and our in-house expertise, we construct portfolios that deliver optimized market-based financial and societal returns to individual and institutional investors as well as company retirement plans.
Our Investment Services
Personal Investing & Retirement
Principium Investments, LLC, provides professional financial advisors and planners to help you select appropriate investments for your situation and to align with your values.
GROUP RETIREMENT PLANS
Whether you’re interested in starting a new retirement plan or transferring an existing one, Principium Investments, LLC, can help you through every step of the process.
IMPACT INVESTING
Principium Investments, LLC, enables you to invest in public markets in stocks and funds that are fossil free, ethical and helping to build the regenerative economy at best. Through Impact 2x investors can leverage those same assets to make loans to approved microcredit institutions.
Personal Investing and Retirement
Principium Investments is a fee-only investment advisory and money management services firm providing investment solutions that align our clients’ financial goals with their principles, compromising neither. We manage money with ethics, providing our expertise to investors, retirement plans, private foundations and other advisory firms.
We provide professional financial advisors and planners to help you select appropriate investments for your situation and to align with your values. This includes portfolios of publicly traded securities screened for Environmental, Social, and Governance (ESG) criteria, while also seeking maximum financial performance from these companies. At certain asset levels, portfolios may be customized to reflect specific values and objectives of individual and institutional clients.
In any situation though, we seek to deliver optimized market-based financial and societal returns using publicly traded securities, mutual funds and ETFs.
We put the interests of our clients first and tailor our advisory services to individual needs to ensure all of our clients are achieving their financial, environmental and social objectives. We are fiduciaries that act in the best interests of our customers and do not receive commissions.
Group Retirement Plans
Whether you’re interested in starting a new retirement plan or transferring an existing one, Principium Investments can help you through every step of the process.
Plan Design
The retirement plan you offer should reflect the values of your organization and the values of the talent you hope to attract and retain. In collaboration with your investment committee, we assess and map your values and fiduciary responsibilities in order to create a retirement plan offering to do just that.
Implementation
In conjunction with an established retirement plan administrator, we put your new, values-aligned offering in to place. Then, through a unique employee education program, we help drive engagement and participation.
Administration
In conjunction with an established retirement plan administrator, we help your HR department meet compliance, manage fiduciary responsibility, and offer access to customer service and investment advice for your employees.
Investment Options
Every organization and every employee is different. Principium Investments constructs plan and investment offerings that reflect the values and needs of your organization.
Types of Plans
We can create 401(k), 403(b), SEP IRA, SIMPLE IRA, and Keogh Plans, depending on your organization type and the retirement needs of your employees.
Types of Investments
Principium Investments can offer the same specialized investment options to your employees that it offers to individuals as a registered investment adviser.
Impact INVESTING
Principium Investments enables you to invest in public markets in stocks and funds that are fossil free, ethical and helping to build the regenerative economy at best. Not only this, but through Impact 2x investors can leverage those same assets to make loans to approved microcredit institutions.
* Micro-credit is the extension of very small loans (microloans) to borrowers who typically lack collateral, steady employment and / or access to capital. It is designed not only to support entrepreneurship and alleviate poverty, but also in many cases to empower women and uplift entire communities.
Our portfolios offer all of our investors market return while moving money into more regenerative investments – using the current market system to transform the economy. With Impact 2x, high-net-worth individuals are leveraging their funds in ways that support innovative micro credit institutions (MFIs) and Community Development Finance Institutions (CDFIs) while preserving their assets – becoming architects of new markets. Investors must be able to invest a minimum of $1 million, of which 50% will be securitized as low interest loans to *micro-credit institutions.
We offer a varied set of diligently vetted micro-credit institutions. For example, MCE Social Capital focuses on organizations that serve a high percentage of women, operate in rural communities, and offer health, education, or business training programs. We can direct your investment to the issues / communities that matter most to you. Please contact us for greater information on our dossier of MFIs and CDFIs.
These microcredit institutions use investors’ guaranteed pool of capital to fund loans to entrepreneurs delivering impact at a small scale across the globe. On the very small chance that loan recipient cannot pay all or a portion of its loan obligation (repayment rate for borrowers is usually 95+%), Guarantors make a tax-deductible payment calculated as the amount of the default divided by the number of Guarantors.
DISCLAIMER: Principium Investments is a registered investment adviser. Information presented is for educatonal purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities product, service, or investment strategy. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser, tax professional, or attorney before implementing any strategy or recommendation discussed herein.