Our Approach to ESG Social Return Strategy
To unlock the maximum social return, a strategic blueprint is required - one that accurately identifies rational objectives and tracks progress towards them. We propose these strategies to be efficiency-oriented, so as to not curtail rational and lawful profit maximization.
The formulation of such a strategy demands a systematic approach to economic and investment analysis. This process needs to seamlessly integrate social information, comprehension of financial systems, and custom-made decision-making options. These tools are instrumental in crafting strategies that not only humanize impact investment activities but also initiate them. Additionally, they contribute to generating tangible, verifiable results.
Creative Investment boasts a distinguished track record of collaborations with pension funds, high net worth investors, investment managers, trade associations, and Federal, State, and Local agencies. We have meticulously designed impact measurement strategies, engineered innovative investment instruments, and developed institutional-level policies and procedures that harmoniously intertwine traditional and impact investing activities across all stages of the investment process.
The investment vehicles we create are carefully designed to ensure authenticity, embedding impact right at their core. Leveraging our extensive experience in initiating and propelling successful impact investment initiatives, often partnering with major financial institutions, we specialize in sculpting real-world, successful strategies that enhance impact and social return..
Case Study Two
We worked with two pension funds to develop the first targeted, institutional investor eligible mortgage-backed security consisting of home mortgage loans from minority-owned financial institutions. (https://www.creativeinvest.com/wglelca.pdf) We researched and designed the investment starting in 1989. Created based on then-existing home mortgage credit underwriting standards, ten years later, our innovation was used, without our consent, in the creation of subprime lending mortgage backed securities. This is a real world lesson about the power of our ideas, about unintended consequence and about greed.
Even in this case, however, we designed an investment product designed to repair some of this damage. We create social return strategies that maximize financial and social return in partnership with clients and stakeholders, as when we helped create the first anti-predatory lending investment security in 2001 (see: http://www.creativeinvest.com/remediation.pdf).
Case Study Three
Our efforts have continued thru the years. We noted on Oct. 5, 2006, foreshadowing and predicting the rise of cryptocurrencies: "competitive advantage with respect to capital access is available to any country with significant economic potential and a modest telecommunications infrastructure." https://www.sec.gov/comments/4-526/4526-1.pdf
Case Study Four
We created an approach to the development of efficient strategies. These do not limit rational and legal profit maximization. (See page 11: http://www.sec.gov/rules/proposed/s71903/wmccir122203.pdf).