Philanthropy is a buyers’ market, and nonprofit leaders are seldom in a position to negotiate aggressively with potential donors. On the contrary, the selection process is (and feels) quite one sided, as though potential grantees are participating in a beauty contest in which the only imperative is to please the judges. So, for better or worse, the views of an individual donor (especially a very large one) can strongly influence grantee behavior. Often this influence will take the form of tweaks to an existing program, or the addition of a new activity, more or less aligned with the nonprofit’s existing strategy, about which a leading donor is enthusiastic. When such an intervention is supported on the donor’s part by deep knowledge of the field, it can provide helpful input to the grantee’s strategy.

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What is the Spectrum of Impact Investing Approaches? Given the field’s growth and increased number of actors, the last ten years have also seen a proliferation of definitions and terminology related to impact investing. In fact, strong opinions prevail regarding whether or not the term “impact investing” is the best to capture this field. While some prefer mission-related investing or sustainable/responsible investing, still impact investing is most commonly used. Rather than arguing about the terms, let's discuss three approaches and one overarching strategy to describe impact investor practices. Depending on who you are—and your goals and capacity—you may have the resources and willingness for some but not all of these approaches. See the image of the home as a good metaphor for describing these approaches to managing and being accountable for your assets. Clean Up: This approach reflects the belief that your assets should align with your values, and by holding or divesting specific assets you can increase that alignment and express your values. For example: Clean and remove toxins. Renovate: In this approach, you select assets based on specific investment criteria that define eligible and ineligible investments with the goal of incorporating the positive and negative externalities into your investment decision. For example: Paint your house. Add a Room: By picking a specific theme, you are using your capital to drive the generation of a specific environmental or social impact. For example: Add a new addition to your house. Manage and Measure: This overarching strategy is to continuously measure and manage the positive and negative impact of your assets and respond to new data and events. You will track the emergence of new environmental and social movements, as they become impact investment products. For example: Maintain and repair your roof.
Rockefeller Philanthropy Advisors yesterday published its handbook for impact investors, a refresh of a guide they first published ten years ago, a lifetime ago in impact investing. It is a comprehensive (182 pages) guide to the nuts and bolts of impact investing, with some help from a 45-year old avatar investor named Sophia. With so many people now trying to get themselves oriented in investing their money for social and environmental impact, it is excellent to have a fully updated primer for beginners, and a reference book for the more experienced. The Handbook is available (for free) at:
I dont know her personally yet (unfortunately) but the interview is just another source for inspiration and a clear proof social impact investing is an area where you can profit and make sizable returns.
How One Female Investor Breaks The Rules And Thrives
Philanthropy vs Corporate Social Respondibility While both philanthropy and corporate social responsibility (CSR) have the potential to be very effective and are indeed relied upon by those in the charity and not-for-profit sectors, they are very different. The differences between the two can be measured in the return that flows back to the giver. Businesses who engage with the charity sector like to believe that they are doing more than just donating a portion of their net profit to their chosen charity, and in effect have a corporate social responsibility program in place. Truth be known, many businesses who believe they are engaged in CSR, are really only engaged in corporate philanthropy. What is the difference between the two? Philanthropy is often defined as using wealth to bring about social change. A ‘philanthropist’ is a bit like a venture capitalist in the not-for-profit sector; they make a decision to invest a portion of their wealth to bring about social change in something they believe in. There may be an investment of their time and knowledge, but more often than not, the support is financial. The philanthropists desire to participate beyond that can vary, but often they are happy to support from an at arms length. While they will likely seek to find out the impact their funds have achieved for the charity, they will usually not get involved beyond that. For businesses of all sizes that engage in CSR (this domain is not limited to corporate enterprises as the name might suggest), it is in their interest to be involved beyond simply giving money. If a business can turn their CSR into a profit centre, then they are more likely to deepen their engagement, stay strong during hard economic times, and—as they see their CSR have a positive impact upon their own business—give more. A CSR program that is built on the back of a shared experience—wherein there has been the opportunity to engage with a charity beyond a monetary transaction—is likely to return business benefits such as improved morale, increased staff retention, status as an employer of choice, attracting new business, and differentiation from competitors. These benefits are seldom achieved through the donation of money and money alone. If corporate CSR program is limited to the CEO greenlighting donation request received, then in fact it’s not a CSR program, but rather corporate philanthropy. Neither are wrong and one is not better than the other, but if a business engages in a more engaged form of giving with clear objectives in terms of KPIs and ROI from the program, all of those involved will benefit, and therein lies the magic.
"The industry has increasingly focused on meaningless, unaudited environmental, social and governance scores. Investing based on categories linked to the UN sustainable development goals is useless, because they do not show whether the money is doing any good." "We need to refocus on people and their suffering. If we truly care about the families <...> we should ask them directly what they want and whether these services have had any effect."
Towards a Hippocratic oath for impact investing
Establishing a Family Philanthropy Program It’s not necessary for a family to have a private foundation to establish a family philanthropy program. Studies have shown that individuals receive many of the same benefits from charitable giving regardless of the amount of money that they actually give. Before engaging in family philanthropy, it’s important for the elder generation to first facilitate a family meeting, which should include a meaningful discussion about philanthropy with the entire family—ideally, one where each member of the family proactively participates. Research has shown that: (1) conversations between parents and children about charity have a greater positive impact on children than parents simply serving as a silent role model through their own philanthropic activity; and (2) talking about charity is equally effective regardless of a parent’s income level or a child’s gender, race and age. With the additional help of a neutral professional facilitator, this family meeting also could benefit from the inclusion of effective communication exercises as well as the use of tools to help the family members discover their common values and vision. To maintain a strong family philanthropy program over time, the program should have the following four components: 1. Philanthropic projects should be chosen based on shared family values. 2. Family members should proactively participate in shared decision making. 3. Results should be reviewed and successes should be measured and evaluated. 4. The family should continually learn from experience in order to improve in the future. Children can become part of a family philanthropy program as young as five years old and can begin to play a deeper role with respect to the actual administration and investments of the family philanthropy program before they’re teenagers. The family members could set standards for performance to accompany each grant given as part of the family philanthropy program, and selected charities that attain those standards might be allocated more funds in future years. Each child is capable of proposing and advocating a grant request, which could include site visits to the proposed grantee or even interviews. A family philanthropy program could even require each participant to make some type of personal investment in any organization that will be receiving funds, such as actively volunteering with the organization or making a small personal gift along with the larger donation from the family philanthropy program. As part of the family philanthropy program, each younger family member might be given a relatively small amount to donate to charity on their own, and then a separate larger amount may be set aside for all of the younger family members (for example, siblings or cousins) to give away as a collective unit, in which case they will be required to discuss and agree together on the organization receiving the donation. Many organizations encourage children’s participation in philanthropic activities and would welcome the younger members to visit their facilities and even volunteer, which is often a terrific way to unite family members as they work together toward a common goal. For more substantial donations, particularly ones in which the family name will be recognized, involving the whole family can help instill a sense of pride in the family legacy. As long as the elder generation is not asserting too much oversight or control over the program, family philanthropy almost always is an extremely positive experience for the younger generation.
What keeps us healthy and happy as we go through life? Over 80 percent of millennials said that a major life goal for them was to get rich. And another 50 percent of those same young adults said that another major life goal was to become famous. The Harvard Study of Adult Development may be the longest study of adult life that's ever been done. What are the lessons that come from the tens of thousands of pages of information that have been generated on these lives? Well, the lessons aren't about wealth or fame or working harder and harder. The clearest message that we get from this 75-year study is this: Good relationships keep us happier and healthier. Period. Close relationships, more than money or fame, are what keep people happy throughout their lives. Those ties protect people from life’s discontents, help to delay mental and physical decline, and are better predictors of long and happy lives than social class, IQ, or even genes. We've learned three big lessons about relationships. (1) The first is that social connections are really good for us, and that loneliness kills. It turns out that people who are more socially connected to family, to friends, to community, are happier, they're physically healthier, and they live longer than people who are less well connected. And the experience of loneliness turns out to be toxic. People who are more isolated than they want to be from others find that they are less happy, their health declines earlier in midlife, their brain functioning declines sooner and they live shorter lives than people who are not lonely. (2) And we know that you can be lonely in a crowd and you can be lonely in a marriage, so the second big lesson that we learned is that it's not just the number of friends you have, and it's not whether or not you're in a committed relationship, but it's the quality of your close relationships that matters. It turns out that living in the midst of conflict is really bad for our health. High-conflict marriages, for example, without much affection, turn out to be very bad for our health, perhaps worse than getting divorced. And living in the midst of good, warm relationships is protective. (3) And the third big lesson that we learned about relationships and our health is that good relationships don't just protect our bodies, they protect our brains. It turns out that being in a securely attached relationship to another person in your 80s is protective, that the people who are in relationships where they really feel they can count on the other person in times of need, those people's memories stay sharper longer. And the people in relationships where they feel they really can't count on the other one, those are the people who experience earlier memory decline. And those good relationships, they don't have to be smooth all the time. Some of our octogenarian couples could bicker with each other day in and day out, but as long as they felt that they could really count on the other when the going got tough, those arguments didn't take a toll on their memories. So this message, that good, close relationships are good for our health and well-being, this is wisdom that's as old as the hills. Why is this so hard to get and so easy to ignore? Well, we're human. What we'd really like is a quick fix, something we can get that'll make our lives good and keep them that way. Relationships are messy and they're complicated and the hard work of tending to family and friends, it's not sexy or glamorous. It's also lifelong. It never ends. The people who fared the best were the people who leaned in to relationships, with family, with friends, with community. The Harvard Study of Adult Development:
Harvard Second Generation Study
Otto Scharmer is a senior lecturer at MIT and co-founder of the Presencing Institute. In his book Theory U: Leading from the Future as It Emerges: The Social Technology of Presencing (Berrett-Koehler, 2009), Scharmer presents his model of listening. Here’s a summary of the four levels of listening as described in that model. 1. Downloading “Yeah, I know that already”: listening to reconfirm what I already know. Listening from the assumption that you already know what is being said; therefore you listen only to confirm habitual judgments. 2. Factual “Oh, I didn’t know that”: listening to pick up new information. Factual listening is when you pay attention to what is different, novel, or disquieting when contrasted with what you already know. 3. Empathic “I know exactly how you feel”: listening to see something through another person’s eyes, forget one’s own agenda. Empathic listening is when the listener pays attention to the feelings of the speaker. It opens the listener and allows an experience of “standing in the other’s shoes.” Attention shifts from the listener to the speaker, allowing for deep connection on multiple levels. 4. Generative “I can’t explain what I just experienced.” Listening from the field of possibility. Generative listening is difficult to express in linear language. It is a state of being in which everything slows down and inner wisdom is accessed. In group dynamics, it is called synergy. In interpersonal communication, it is described as oneness and flow. Which levels of listening do you habitually employ? When was the last time you managed to get below levels 1 and 2 to the deeper connections possible at levels 3 and 4? In the words of the old limbo tune, “How low can you go?”

Justas JanauskasCEO @ Qoorio
Thanks for sharing, did more research about it, found very useful
Am I getting better? It is a question about continuous improvement, not the status quo. “Am I getting better?” is a challenging question, because it means confronting a basic, and uncomfortable, fact of life: getting better is a choice. Getting better—striving for excellence—is a fundamental choice. Life offers many ways of getting lucky, but getting better, steadily better, requires learning. This is true for any professional activity disregarding you are an athlete or business executive, an actor or a doctor. It applies to hobbies (improving a golf handicap) and to our personal lives (learning to be a good parent). When people and organizations become set in their ways, as a result of arrogance or closed-mindedness, they stifle real learning.
Am reading a book and a quote sounded beautiful for me today.
Philanthropy has no built-in systemic forces to motivate continuous improvement. The absence of external accountability is what gives philanthropy its freedom to experiment, take risks, and pursue long-term initiatives on society’s behalf. At the same time, it also means that if you do not demand excellence of yourself no one else will require it of you. Of all the characteristics that distinguish philanthropists, the single most consequential may be the fact that they are essentially accountable to no one but themselves. Sooner or later, businesspeople, politicians, and nonprofit leaders all have to answer for their performance to others: business executives to their stakeholders; politicians to the electorate; nonprofit leaders to their funders. Philanthropists have no such “market” dynamics with which to contend.

Gabija GrušaitėAuthor of Stasys Šaltoka, Co-Founder of Qoorio & Vieta
Very interesting point. I was thinking that maybe philanthropists would benefit from creating a feedback loop with communities they engage. I know this is quite problematic to achieve, at least in my experience there are so many stakeholders with different opinions that it's hard to hear through the noise. Still that would be a more meaningful way to create a sense of accountability without venturing into market dynamics.
Dalinuosi naujausia M. Čiuželio labdaros ir paramos fondo veiklos metine ataskaita. 2019-aisiais baigėme pirmąjį savo veiklos penkmetį. Penkeri metai ieškojimų, kūrybos, atradimų, naujų patirčių, įkvėpimo. Arba penkeri metai gyvenimo, kurį labai norisi gyventi. Penkeri metai – 5 skirtingi projektai. Fondo veiklą pradėjome nuo Vaikų ligoninės Neonatologijos centro, kuriam padovanojome pirmąją Lietuvoje ultragarsinę hemodinamikos pokyčių stebėjimo sistemą ir motinos pieno analizatorių, padėjusį pagrindą dabar sėkmingai veikiančiam donoriniam motinos Pieno bankui. Vėliau pasirinkome senėjimo sritį ir pozityvios senatvės idėją su socialine akcija #Prisiliesk, “Sidabrinės linijos” ir “100 metų kartu” projektais. Išsikėlėme sau ambicingą tikslą atvesti Lietuvą į Pasaulio sveikatos organizacijos puoselėjamą draugiškų senatvei šalių bendruomenę (po trejų metų darbo Vilniaus miestas pirmasis Baltijos šalyse į šią bendruomenę priimtas 2019-ųjų sausį, o ryškiausias realus pokytis Vilniuje – įkurtas “Senjorų avilys”). Norime priminti ir nepaliaujamai kartoti, kad senatvė – tai ne liga, kurią turime gydyti ar problema, kurią reikėtų spręsti. Tai natūralus ir neišvengiamas kiekvieno žmogaus gyvenimo etapas. Vyresnio amžiaus žmonės yra čia, šalia mūsų, tad atsigręžkime, pastebėkime, išgirskime, sugrąžinkime juos į visavertį gyvenimą. Kviečiu susipažinti ką mums pavyko nuveikti praėjusiais metais. Metinę ataskaitą rasite čia:
M. Čiuželio labdaros ir paramos fondo 2019 metų veiklos ataskaita
Kotryna Kurt on Sales and Social SellingPersonal Branding / LinkedIn Ads & Marketingabout 2 months ago
If I would be a small/ midsize company or a startup and would want to spend some time and money on LinkedIn, this would be what I would do: 1. Optimize Sales people profiles 2. Optimize Company page profile 3. Create 4 content pieces per month on the company page 4. Activate sales people - employee branding 5. Connect with 5 relevant peole per day with a personal message 6. Engage with potential client content 20 min per day 7. Create at least 4 personal posts per month 🎯 The overall goal for doing these things would be to increase your brand awareness and gain new clients. Some companies use some of these steps, some use all. One thing for sure, this might require more effort in the beginning but within time this is a less costly strategy. Are you paying attention to some of these points? What is your experience with social selling on LinkedIn?

Kotryna KurtPersonal Branding / LinkedIn Ads & Marketing
Justas, I think I was thinking about it from a different perspective. Now that you put it like that, I agree. I was more thinking about the overall accumulated activities. 😌🙌
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Some quotes first: 1. Activist investor Jeff Ubben has left ValueAct Capital, the $16bn hedge fund he founded, to launch a new environmental and social impact investment company. 2. „Companies, as governed today, with investors asking for more current returns and more buybacks and so forth, aren’t working for society or nature,“ he said. „But I have to prove that there’s a return [in long-term impact], because otherwise . . . you’re not really changing anything.“ <..> „Finance is, like, done. Everybody’s bought everybody else with low-cost debt. Everybody’s maximised their margin. They’ve bought all their shares back . . . There’s nothing there. Every industry has about three players.“ 3. Having an impact fund and a traditional fund under the same roof at ValueAct was „confusing“ for investors, Mr Ubben said. Those who opted for the impact vehicle worried they were leaving returns on the table, and those who opted for the flagship fund worried that about being portrayed as environmentally or socially „unconscious“. „I don’t think these two strategies peacefully coexist,“ said Mr Ubben. Second, that was the essence. If RE investments are driven by "location", "location", "location" mantra, then in "ordinary" investing it is not only "return", "return", “return" anymore. I have been following for the last few years already an emerging and quite fast growing trend in hedge funds space to invest if not "for" then at last "with" social and/or environmental impact in mind. And that will benefit all of us. Even those who are far away from investing.
Activist Investor Jeff Ubben Departs ValueAct to Focus on ESG

Marius ČiuželisInvestor / Advisor / Social Entrepreneur
Gabija, ačiū! 👏
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Life Settlements help Family Offices meet their socially responsible investment goals. Family Offices who haven’t considered them as such should adjust their thinking about this uncorrelated asset class. I am in Life Settlements space since 2012. There were no a single year for dissapointment so far neither it is expected to come. Pls find below and article by our US partner how and why Life Settlements and Socially Responsible Investing go hand-to-hand.

7 investment lessons from Mom. Part 1. When economies and financial markets clearly go separate ways with economies all over the world searching for a bottom while financial markets flirting at their all time highs it's worth to refresh some basic rules how to safeguard your investment portfolio. And who is the best adviser if not... your Mom? I am sure your Mother has a saying, or an answer, for just about everything… as do most mothers. Every answer to the question “Why?” is immediately met with the most intellectual of answers “…because I said so”. Seriously, Mother is a resource of knowledge that serves us well over the years. They may teach us the basic principles to staying safe in the world of financial investments too. Below you will find some basic rules every Mother teaches hers kids: read and re-read them. Then read again. I am sure they will help you to become a better investor. NB The wisdom I'm sharing with you I found and kept for the future needs few years ago while browsing the internet. It was originally written by Lance Roberts, Chief Editor of the “Real Investment Advice” website, however, the link is not working anymore so enjoy it here. It’s a long read but worth your time. 1) Don’t Run With Sharp Objects! It wasn’t hard to understand why she didn’t want me to run with scissors through the house – I just think I did it early on just to watch her panic. However, later in life when I got my first apartment I ran through the entire place with a pair of scissors, left the front door open with the air conditioning on, and turned every light on in the house. That rebellion immediately stopped when I received my first electric bill. Sometime in the early 90’s, the financial markets became a casino as the internet age ignited a whole generation of stock market gamblers who thought they were investors. There is a huge difference between investing and speculating, and knowing the difference is critical to overall success. Investing is backed by a solid investment strategy with defined goals, an accumulation schedule, allocation analysis and, most importantly, a defined sell strategy and risk management plan. Speculation is nothing more than gambling. If you are buying the latest hot stock, chasing stocks that have already moved 100% or more, or just putting money in the market because you think that you “have to”, you are gambling. The most important thing to understand about gambling is success is a function of the probabilities and possibilities of winning or losing on each bet made. In the stock market, investors continue to play the possibilities instead of the probabilities. The trap comes with early success in speculative trading. Success breeds confidence, and confidence breeds ignorance. Most speculative traders tend to “blow themselves up” because of early success in their speculative investing habits. The speculative trader generally fails to hedge against the random events that occur in the financial markets. This is turn results in the trader losing more money than they ever imagined possible. When investing, remember that the odds of making a losing trade increase with the frequency of transactions being made. Just as running with a pair of scissors; do it often enough and eventually you could end up really hurting yourself. What separates a winning investor from a speculative gambler is the ability to admit and correct mistakes when they occur. 2) Look Both Ways Before You Cross The Street. I grew up in a small town so crossing the street wasn’t as dangerous as it is in the city. Nonetheless, I was yanked by the collar more than once as I started to bolt across the street seemingly as anxious to get to the other side as the chicken that we have all heard so much about. It is important to understand that traffic does flow in two directions and if you only look in one direction – sooner or later you are going to get hit. A lot of people want to classify themselves as a “Bull” or a “Bear”. The smart investor doesn’t pick a side; he analyzes both sides to determine what the best course of action in the current market environment is most likely to be. The problem with the proclamation of being a “bull” or a “bear” means that you are not analyzing the other side of the argument and that you become so confident in your position that you tend to forget that “the light at the end of the tunnel…just might be an oncoming train.” It is an important part of your analysis, before you invest in the financial markets, to determine not only “where” but also “when” to invest your assets. 3) Always Wear Clean Underwear In Case You’re In An Accident This was one of my favorite sayings from my mother because I always wondered about the rationality of it. I always figured that even if you were wearing clean underwear prior to an accident; you’re still likely left without clean underwear following it. The first rule of investing is: “You are only wrong – if you stay wrong”. However, being a smart investor means always being prepared in case of an accident. That means quite simply have a mechanism in place to protect you when you are wrong with an investment decision. First of all, you will notice that I said “when you are wrong” in the previous paragraph. You will make wrong decisions, in fact, the majority of the decisions you will make in investing will most likely turn out wrong. However, it is cutting those wrong decisions short, and letting your right decisions continue to work, that will make you profitable over time. Any person that tells you about all the winning trades he has made in the market – is either lying or he hasn’t blown up yet. One of the two will be true – 100% of the time. Understanding the “risk versus reward” trade off of any investment is the beginning step to risk management in your portfolio. Knowing how to mitigate the risk of loss in your holdings is crucial to your long-term survivability in the financial markets.

Justas JanauskasCEO @ Qoorio
Love it!
7 investment lessons from Mom. Part 2. 4) If Everyone Jumped Off The Cliff – Would You Do It Too? At one point or another, we have all tried with our Mom’s what every other kid has tried to since the beginning of time – the use of “peer pressure.” I figured if she wouldn’t let me do what I wanted, then surely she would bend to the will of the imaginary masses. She never did. “Peer pressure” is one of the biggest mistakes investors repeatedly make when investing. Chasing the latest “hot stocks” or “investment fads” that are already overvalued and are running up on speculative fervor almost always end in disappointment. In the financial markets, investors get sucked into buying stocks that have already moved significantly off their lows because they are afraid of “missing out.” This is speculating, gambling, guessing, hoping, praying – anything but investing. Generally, by the time the media begins featuring a particular investment, individuals have already missed the major part of the move. By that point, the probabilities of a decline began to outweigh the possibility of further rewards. It is a well-known fact that the market works in what is called a “herd mentality.” Historically, investors all tend to run in one direction at one time until that direction falters, the “herd” then turns and runs in the opposite direction. This continues to the detriment of investor’s returns over long periods and this is also generally why investors wind up buying high and selling low. In order to be a long-term successful investor, you have to understand the “herd mentality” and use it to your benefit – which means getting out from in front of the herd before you are trampled. So, before you chase a stock that has already moved 100% or more – try and figure out where the herd may move to next and “place your bets there.” This takes discipline, patience and a lot of homework – but you will be well rewarded for you efforts in the end. 5) Don’t Talk To Strangers This is just good solid advice all the way around. Turn on the television, anytime of the day or night, and it is the“Stranger’s Parade of Malicious Intent”. I don’t know if it is just me, or the fact the media only broadcast news that reveals the very depths of human sickness and depravity, but sometimes I have to wonder if we are not due for a planetary cleansing through divine intervention. Back to investing – getting your stock tips from strangers is a sure way to lose money in the stock market. Your investing homework should NOT consist of a daily regimen of financial media, followed by a dose of taxi driver tips, capped off with a financial advisor’s sales pitch. In order to be successful in the long-run, you must understand the principals of investing and the catalysts which will make that investment profitable in the future. Remember, when you invest into a company you are buying a piece of that company and its business plan. You are placing your hard earned dollars into the belief the individuals managing the company have your best interests at heart. The hope is they will operate in such a manner as to make your investment more valuable so that it may be sold to someone else for a profit. This is also the very embodiment of the “Greater Fool Theory,” which states that there will always be someone willing to buy an investment at an ever higher price. However, in the end, there is always someone left “holding the bag”, the trick is making sure that it isn’t you. Also, you need to be aware that when getting advice from the investment bank experts who tell you about a company that you should buy – they already own it – and most likely they will be the ones selling their shares to you. 6) You Either Need To “Do It” (polite version) Or Get Off The Pot! When I was growing up I hated to do my homework, which is ironic, since I now do more homework now than I ever dreamed of in my younger days. Since I did not like doing homework – school projects were almost never started until the night before they were due. I was the king of procrastination. My Mom was always there to help, giving me a hand and an ear full of motherly advice, usually consisting of a lot of“because I told you so…” I find it interesting that many investors tend to watch stocks for a very long period of time, never acting on their analysis, buy rather idly watching as their instinct proves correct and the stock rises in price. The investor then feels that he missed his entry point and decides to wait, hoping the stock will go back down one more time so that he can get in. The stock continues to rise, the investor continues to watch becoming more and more frustrated until he finally capitulates on his emotion and buys the investment near the top. Procrastination, on the way up and on the way down, are harbingers of emotional duress derived from the loss of opportunity or the destruction of capital. However, if you do your homework and can build a case for the purchase, don’t procrastinate. If you miss your opportunity for the right entry into the position – don’t chase it. Leave it alone and come back another day when the Price Is Right. 7) Don’t Play With It – You’ll Go Blind Well…do I really need to go into this one? All I know for sure is that I am not blind today. What I will never know for sure is whether she believed it; or if was just meant to scare the hell out of me. When you invest into the financial markets it is very easy to lose sight of what your intentions were in the first place. Getting caught up in the hype, getting sucked in by the emotions of fear and greed, and generally being confused by the multitude of options available, causes you to lose your focus on the very basic principle that you started with – growing your small pile of money into a much larger one. Conclusion: There is obviously a lot more to managing your own portfolio than just the principles that we learned from our Mothers. However, this is a start in the right direction, and if you don’t believe me – just ask your Mother.

Marija MireckaitėPhotographer. Curious person.
I don't know anything about investing, but you truly have a gift of presenting a complicated topic in such an understandable manner. Keep up the amazing insights!
So you want to be a successful investor ? It is possible. And doable. Quite easy to be honest. You only need some discipline, common sense, couple of hundred euros every month and 20-30 years. That‘s it. Problem that most new investors face is dullness. Investing is boring. You only have to make one or two transactions every month. For 20 years. And that is it. That is all what it takes to become a successful retail investor. But you want to do more, don’t you ? You want to trade stocks and currencies, invest in the hottest IPOs and ICOs, ride all the waves, short corporate fuck ups and do all the other cool stuff. Everyone wants that. But, at least based on academic and field research, by doing all this you will most likely hurt yourself financially (and emotionally). According to number of studies, activity in financial markets, at least for retail investors, has a high inverse correlation with success. This means that the more active retail investor is, the less he is expected to make over long periods of time. Its up to you to decide whether you want to have some fun or make money. You can either have an expensive hobby called trading or buy a sweater vest, make that one transaction every month and see your portfolio grow. Both routes have their own benefits. Just clearly understand your goals before going down one of them. Investing is simple. It just takes lots of time and discipline.

Mangirdas AdomaitisArtificial inteligence, Data science
Tautvydas what about passive investing while stock picking? Or does stock picking imply high activity?
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Marius Čiuželis on Traditional & Alternative investmentsInvestor / Advisor / Social Entrepreneur15 days ago
The super-rich will dedicate some $50 trillion to sustainable investments in coming years and blue chip Wall Street firms like Goldman Sachs and Carlyle Group are lining up to meet the demand. Corporations worldwide are cutting their carbon footprints and in the background bold-faced investors such as Norway’s $1 trillion pension fund and $7 trillion in assets BlackRock are putting the screws on carbon-emitters. These are exciting times for the green movement. Boston-based hedge fund manager James Jampel, of $460 million in assets HITE Hedge Asset Management, has a simple way to play the green arms race. He’s betting against the entire carbon industry, which he believes is in chronic decline much like whip-and-buggy-makers at the dawn of the auto age, or Sears amid the rise of Amazon and Eastman Kodak when the electronic camera went mainstream. Basically, the writing’s on the wall for oilmen.
A Different Kind Of Green Investing: Meet The Carbon Skeptic Hedge Fund That’s Up 32% In 2020

Fatima KhechaiMindset coach & Branding consultant
And I man ready for it!
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