(
课件网) Financial Values: How to Align① Our Money with Our Personal Values Adapted from https：//www. Money can be a powerful tool to support the causes and beliefs that are important.Whether it's how we spend, give or invest our dollars, aligning our money with our values allows us to make purposeful② choices that we can feel good about—while still planning thoughtfully③ for our future. A values based approach to financial planning has become more common in recent years.“We used to see people hold onto their money, and when they passed away, it would go to the organizations that they wanted to support through a will or trust④，” says Peter Medin, Wealth Management Advisor at an American investment.“But we've started to see money moving before people die—so they can actively participate in things that are important to them.” Let's examine what it means to align our money with our values, the benefits it can bring and how we can incorporate⑤ this approach into our spending, giving and investing. Personal values are key drivers of our behaviours, the decisions we make and the actions we take.Before we align our financial decisions with our personal values, we need to identify⑥ exactly what those values are. These values can, but don't have to, tie into specific causes or movements—like sustainability⑦， for example—or they can be broader, such as valuing family or integrity⑧. Getting clear about what matters most to us will be essential⑨ for when we examine where we spend our money, which charities we support and how we want to invest. Once we've identified our core⑩ values, start to match our money with our values. Here are three ways. Be smart about where we spend money.Use our purchasing power to support business and products we believe in.This simply means aligning our purchasing decisions with what matters to us.For example, if a company is involved with a cause you don't support, we may choose not to spend money there. Make our charitable giving go further.Research our chosen charities to see which ones use donations most efficiently .It's important to do our due diligence (尽职调查) before allocating our dollars to a new organization.If we donate to a charity because it's a cause we feel strongly about, we'll want our donation to be maximized ， and that means we should be looking for efficiency in how those organizations are run. Invest with impact.Use ESG (environmental, social, governance ) considerations as a guide in our investment strategy.Recent years witness an uptick in ESG investing in.If we want to embark on this path, start by taking a closer look at our holdings (股份).Although it takes some extra time, going through this process can be rewarding and help our money support our values instead of working against them. There are always benefits to doing things that are in line with our moral compass and there are always benefits to feeling good about the thi ... ...
