The Permanent Wealth Podcast 05: Elena Todorova

04/20/21 • 49 min

Today I’m joined by Elena Todorova – superstar mortgage broker and fount of knowledge on everything property and mortgages.
In today’s episode Elena and I discuss the following
- How mortgage rates continue to come down and show no sign of stopping at this point
- The bottle-neck impact of the cut in Stamp Duty
- A surprising anecdote about central London commercial rates (going higher!)
- The best deals available at the moment for both residential and BTL mortgages
And make sure to listen to the end where Elena explains whether Buying Agents are worth using for certain buyers.
I hope you enjoy my discussion with Elena Todorova.

Previous Episode

The Permanent Wealth Podcast 04: Jean-Marc Routier of BlackRock

My discussion today is with Jean-Marc Routier, Product Strategist at BlackRock. Emerging Market equities. ESG for Active Equities

The unique aspect about Jean-Marc is he has an inside view on how the largest asset manager in the world – BlackRock – is making decisions around ESG that impact their entire funds business. This funds business has $8.2 Trillion under management which is larger than Germany’s GDP for reference.

In a fascinating and really insightful conversation, Jean-Marc and I cover the following:

How pursuing an ESG objective will provide a significant advantage for all asset managers

The underlying factors that currently make up the perfect storm for ESG assets.

Why BlackRock decided to remove Coal companies from all their active funds from last year. And what they will be doing this year.

How the largest company in the world just added ESG to their CEOs KPI for the year.

And make sure to listen to the end, where Jean-Marc defines the important difference between companies that “Do Good” and others that “Do No Harm” and the implications for investing in either.

I hope you enjoy my discussion with Jean-Marc Routier

Next Episode

The Permanent Wealth Podcast 06: George Crowdy of Royal London Asset Management

My conversation with George Crowdy – fund manager within the sustainable fund team at Royal London Asset Management.

George is a member of the sustainable team which has been running ethical funds all the way back to 1990.

What was fascinating about this conversation is how George describes Royal London’s detailed quantitative process in terms of how they think about sustainable investing.

He also describes:

· The strength of the tailwinds for sustainable investing including how investors and consumers now having far more information to make informed decisions

· The key difference between ethical investing and sustainable investing.

· How they believe sustainable is more aligned with producing higher returns for shareholders because they are solving problems that the world needs to be solved.

· How sustainable investing is the truest expression of active investing where you are looking to pick the future winners that will be benefitting all of society.

George is one of the younger breed of fund managers who really has a great understanding of the trends that are important to younger consumers and investors and it was a pleasure to talk markets with him today.