Natalie Windle

---------- Forwarded message ---------
From: Minki from WINii <winii@mail.beehiiv.com>
Date: Sun, Feb 4, 2024 at 9:31 AM
Subject: [WINii] Are ESG funds actually good for the environment?
To: nataliewindle@gmail.com <nataliewindle@gmail.com>


Plus, what makes an exceptional PM?
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February 04, 2024   |   Read Online
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7WQ6UCaX0czOTbaeJ2kwMKvE9RyNdLiKSy7oYVZfqx2-YdbJdsMJ4LGAJarDhkAdPDCZewu4iC-iP66X_VmyrDrykCm_CY3KinIVsB0IsaJWeJ1XOKv1TurxNnRHyJpOJ76PrkxA0fTwX4YKBEQyzBqnZuWYAtcGKM0Fh4qrKAJOxnTDOona-SdbNkTsJ9Zhx6ws43eavItC54WCrL1ArK9tEqLE5NrN4pfzNvbF5LDibT0BQ2FMcQj_wntMCZUudYZwIMLKvcImPXwcwzxk194sXNlDI87b4AK4sFl8OS9UnRnoz0R0osOUG2JjzOB7IOZHxastvh-qWzI61U1UD2YyjB39Zs0YhVAi81n47auzr-3EvMxDWZbvwVjd0nDSPDynoe7INkMXni1W4OVFAJYMEtHAeoJmsvFWqQu8K1dLwlnuKL6b4ZNXpRz6N01Otl1ZKY6PR28FyqN7OefUJ_55C4Iq8c0HqPsQsBhoQwME3AyfU_DbyDTTe-u2bJBA6dFvg4dkq8VfzG_9NZVjiEmHjqMME6pIwnHJTPjj_6yK-fPy8vgln7jKbvMqgTumF_wnsRPXlSo7_mnqUPhPy1cAM5fZCJ2d1n3w7o44KQAx_W-_ExgX1_zlSkGRoFeeZk9BAGQKbpDd4Okry4Fg_p2/43k/TU5TqfGZT4OomZaid17rAA/h0/PPb7Dqg_tWdnJ4kMr5BqE6ExmhZHkX4I2TdDLP955Ww>
[WINii] Are ESG funds actually good for the environment?

Plus, what makes an exceptional PM?
[image: fb]
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS9jYtvjf_IeYwuMtGL9za76vDsyKad7zAcB_1ngW5RKTPNNfjptNeUmA4oUMzVG0tg4rIYO1_n6xMCZqDYwW9XVAhIhKlDY1Xp4nup87014NxhQzWt0dGcQrBUR4i6hfCWpHkHQ8egPEGWzkC6mKGMIHObt-PuKzB2ggsEiNy6x7goSoAuHpCrK28k_ldkZFYrxyC9LIEh9zYhBQwLsmhoTG7fv8TdmhZbQuqHWKup8LZpfhVm7FF_GJmY8t6Xy4aGKBO6zPkazwtV0xJunwbfCjBb-9LQmN3Sl2kWtUaasRDYBs23Bzsm115bJfDCnxzw/43k/TU5TqfGZT4OomZaid17rAA/h1/qydSuBrHXVoDLiwj4GAHDh7uOF68T3U6d-ectJXhkvg>
  [image: tw]
<https://link.mail.beehiiv.com/ss/c/_Mg4Xp3yzIqoSLEVT74h6yVo6-SkeXEvRvkYKsUXVxbK_JfvhjFdHwfgCMIFshcSBWCbPJ3wXaHB9fio60mWD0A7rmNpzn_8wDfsFiVX1VksgZF_sSJOVmBmAdkl5-3BV2a9Jg-6IRQGEOE-yb_fGgsNJ2Bt8LQPBKDuFGmSvnmooJv4tUqYqNep4-avSLISBE3Jw8fNpM3D9DSXQScD6bz1cvxnbwgYlFsFkxlKtL7T6v29cf7yNmK3hohsJDe45AkQe_8etBusDxFeivpTZytsTEV5Ior_U1wAUQnUBsiRsZ9mGe1G-UchlmJQQKMZlyLGPfsH26GciYsNgJ7KVjIw0Z4Cg3QBYArZCldkVWn35zr86C_w-vMDE-UX6643/43k/TU5TqfGZT4OomZaid17rAA/h2/QuV4Zl_IYW3KgAv9egxMNwLttzxqxO9-gM6SUwzvdSs>
  [image: in]
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8uOTL_EKqjCLHR1VGoKnXE217SUU1YzQNotZqzz795zfG7chHj234dYHNSETRhXhInzhMRNEw2ewsjxe_VZTJ2lALbOnnRolb4ytvl00pA6evhfcLUALqLOhLuQLDPO6nJYO9k5EhO-YGT_nPQftNGLpbRaqllD4jz0wy5z-RxI8IPFxE0v-O6fLBmxHxA4c5C1TBifATHGGEJwoDwd5YYw_ybo5kM8GmnYK2gIywRQiyfF4zGTgN6kdf19AXiieWV3JKMzXO9HHBxE2Q1N_KFMDVhtpxJsTiDFH9Da5MrV8JGKAmmW081ZyOG8lRe2Fw/43k/TU5TqfGZT4OomZaid17rAA/h3/fLsaWbiEe8BNhsv8TiL03cNElnqPMGBhdSPRVs4i7n4>
  [image: email]
<?subject=Post%20from%20WINii%27s%20MoneyBites&body=%5BWINii%5D%20Are%20ESG%20funds%20actually%20good%20for%20the%20environment%3F%3A%20Plus%2C%20what%20makes%20an%20exceptional%20PM%3F%0A%0Ahttps%3A%2F%2Fwinii.beehiiv.com%2Fp%2Fwinii-esg-funds-actually-good-environment>

Hi Natalie!

Let’s be exceptional this week: exceptional in our responsibility as global
citizens.

Have you considered investing in ESG (environmental, social, and
governance) funds? Through them, you could do good for your portfolio and
the world…however, there may be a catch.

On a career note, we'll cover what makes an exceptional product manager.

Let's get this party started! 🎉

🌍 ESGs: How "Good" Are They?

Over the last several years, environmental, social, and governance funds (
ESGs
<https://link.mail.beehiiv.com/ss/c/AhLmYVZMUKfCqfAfdpkB2evwSMdidwaVogIOR-Rrl0Ydg0vEDysLY-Jd5_P0JTVzAdDjVXDoKmYIoSxjS51z4b_ajrzUGhMftT9PhJIKSDpdjxHLt7fShB7XvRZDMWQuOJHwkASVRZOgT_ZcM256GNxSh9xtL2UjU-YTlEQb54YxQ0it8uM0Cmg9Yg0n-XPM2d9ORp1zvV135uBDsB4_UWNNK8x9ZjAb8kDF0zSUu1WRaaDCzCUliHxlYTvoGwJL/43k/TU5TqfGZT4OomZaid17rAA/h4/wXCfLQjc8iXiy6v9HA3Ym2dX_mOGzzGpIF2t4VBSn-E>)
have created quite a buzz.

They're a type of investment where non-financial factors are considered
when making decisions about what's included in the fund. The idea is if we
collectively invest more money in ESG funds, it will pressure companies to
be more responsible…and money makes the world go round. 🌍

However, from a return perspective, are ESG funds good for your portfolio?
The verdict is mixed.

   -

   In this study
   <https://link.mail.beehiiv.com/ss/c/2VUYNEgHumP927Z64zK-caYayn-jUWel7FUSvkrnqLTjK7LK30USBT_sxmB564D8oqc2CDWXWuQBWejTHZxJA_-jkZGEC79srwewx5FkZtq2DrMeuBihmNzubY_QwK4yhoeLtBFr-Y1vpWfPkId1jAChY6MDTsmpXlyS5CKpG2qjp4kSYUGAypg7E812bQY5K6EG8qZvojaBCIPQsdJtuEF2w2pHJRsnqRMEH5Nnz_iQRsgXSH9QR2XDWKNqwvj2/43k/TU5TqfGZT4OomZaid17rAA/h5/JNoHRtGr8t-pquHKJsqmJbWZD6SGnrGMdsxeehInP8A>,
   evidence suggests that sustainability is viewed as positively predicting
   future performance. However, researchers didn't find evidence that
   high-sustainability funds outperform low-sustainability funds.
   -

   Here
   <https://link.mail.beehiiv.com/ss/c/2VUYNEgHumP927Z64zK-caYayn-jUWel7FUSvkrnqLTjK7LK30USBT_sxmB564D8g17EITEBo2zDyp4-rMcnshXp5FyvN196hphHOvH2jYWRBZcJ3w_cm62paYjrli0UGvlyo9JRB9AOig6GmVZIvyRh_o7Z9EpdvZIkv3MXb9XcV6ZPT2i3GGerh2gC7jJ2raP-cr6oUW13h2AG71D8PYrB-umbS8KHbCaY07Lp_bCf8o4gdel4wy07xkJP-rOo/43k/TU5TqfGZT4OomZaid17rAA/h6/VsNDLT-hYm47QiU8tZTSb8uPXCh-mdRLjujHGFOtb3M>,
   researchers found that socially responsible investing (SRI) neither
   outperforms nor underperforms the market portfolio. However, they did find
   that global SRI portfolios outperform regional sub-portfolios.

If ESG returns aren't outperforming the market, are they at least better or
more humane for the world? The verdict is mixed here, too.

   -

   This study
   <https://link.mail.beehiiv.com/ss/c/4vuSWZ1hgFgKdo2WmmhtLS7cb8ujvQ0JTLHGMLy4Z1xjiqnqwuGu1ImALFAq1wukrMRdA1j0TIKvqYVIdA2_oeuQ9WfRGF1fA18lsxYkqSQyyFGlA0_fp4T0yBjiqTrRFPRRWdqQoHSJrH7KBPcQ3EDTAa7ylOj-wBp0mu957XAfmC0jR5nIGeq--zPH9XoTkJLFQvezruvXBYOT0GFMoj9OSESXOs8PBdqXmrR8XJLCk7Ax3HRoCuhnsSM19QZT/43k/TU5TqfGZT4OomZaid17rAA/h7/QdFy3bJXi9PNDcdLPbhkoqWDG21RfRrJ67XybWwrzjE>
   found that increasing financing costs for firms that are already
green (environmentally-friendly)
   doesn't have a huge impact or lead to significant improvements. On the flip
   side, increasing financing costs for brown (not
   environmentally-friendly) firms results in a *significantly negative
   impact*. Thus, directing capital away from brown firms and toward green
   firms may be counterproductive. Yikes!
   -

   Some ESG funds have also been accused of "greenwashing", meaning they
   exaggerate environmentally-friendly initiatives to appear greener than they
   actually are. The SEC recently announced a new rule
   <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSyxFxjSVvOefA89uTnm8V7bh_ZePDueU5qP2-MzkZT5nishLWRB6LLE9ppPwnbHtoOddAcQ2BC4l-URAJBoadgTI402B9-5iP1vEuEjLP8GHameMVrJxCTUdtNIhlTl0xqtlj0SzAb5eVgtfbncefZ22wFnYeBSzgycgLA3i_bhee38YJCVaZu9EDkbT-iBuE05VRq_UdkF8nr5PzrKCQxe5pZH6QN2NoVa2VKPfVJmu1DoEIKE0V3pFa9tb97L2qtfUD_IDzIpPkF7rPEfxqNa9GLqAZ6gHjaL0daOJ7TdD/43k/TU5TqfGZT4OomZaid17rAA/h8/PCL3NibT30U5CjcD62xYiEmX4OVXKr0pDpBDBw02FrU>
   that requires ESG funds to match at least 80% of their portfolio with the
   stated goals of the fund. The rule was issued in response to a number of
   subpoenas issued by the SEC to fund managers over questionable ESG
   practices. Although this crackdown is ethically and morally good, it may
   have a negative impact on how a fund performs.

*Bottom line:* the concept of ESGs may be laudable, but more work is needed
to know for sure.

Do you take environmental, social, and governance factors into account when
creating your investment portfolio?

📣 Weekly Poll
What's your take on ESGs?

Do you invest in them?

I consider ESG metrics in ALL investment decisions
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7W_CeA-BthqZ-I_edrjzNB51HMzy-NRKeNyOlpxYVHFkyYId6Ps7hUCUYNlUJhXZmkC87OwwVygY5bmcORJguy0haukE1P6oeqxc862yxhPMkcC9mO99nxJCi2DLRTO1j5FLFj5qHiZEFVieSzNLLLyBNbpYfUv_ie9-PgdBHZsCaRZBo4pEVNnc4RdOApYW15VYJCxHfvMAtULYpphgZkDMMpCKlAaA7SHkfEfS6JLYlaxcYn2QWDFopzQx_fFwKOHn6mwBf1NHjuvLXIZzJgd4ryOOeyWT-E4QCX1bm113q1xW2LVyBTxSUxguMY85xb5PkMmzlluzHYa6Qyd63iivcznaLuFoS8-s0xTYHdXuomZwMxUBhhrVePi_MZNnWJPDaFJaF5E7tdbdegzwYBJDlHYOZSt2U7ydsI-kcXlqjhuW5iKuFLXGkA2Od5TlTHJyiyqVFD-W16Z3bQZRchtErueS7fvJGMt5zYBh042BHg4GAv1GVu2A6zUKb-_6P93VyxFceyU2N_BW6CtJzEv6JfYmuCUlnzjbEXMGhoQPqzgLieCpIKkOhuuK5nh6U8RE4Rm1k7bIGTwsNONFkl65VfghAR87KNHaJtL7glSOHihrpRbM6bdK4CkEfQ2lKwvy4B0Ws2Cg-oLlGVpL-Nn/43k/TU5TqfGZT4OomZaid17rAA/h9/tAM2S5Hu1i9kJH-U1d5CnWuJxDofoh-URoBCFMla1D8>

I consider ESG metrics in SOME investment decisions
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7W_CeA-BthqZ-I_edrjzNB51HMzy-NRKeNyOlpxYVHFkyYId6Ps7hUCUYNlUJhXZmnHpaiLaGEjsyvL0X1rCoPyFmqAKr8f1tUn7NlRB8ulRAW_Tn6RtR4Hv-3xINLsNRSbT--2nuW3QFzx77PCp9-T4oHXUEz-by4NfBiro92hl8pOFou_0wM-CjZTPDCBXDL9wZR43nh7YuHMB5I03NURkwj44NqHinqy3RytJOSP_K9kL-mQBGEecPwHBMsm0ymgeRyTAzHEnIdwH68Tfh9pTZ2PfKk-rtRhyvMB_K81ry_KQNoeXl-qwXteCgzOh0tBpjYJGL2PXHfjgrPFuqRs3j46TUN6zIU_q51XAbXdMkWGJI4V-dw2DcrNxa2qVQi9bEOWw3f70qG-oyRH4lMRkk74FDpej5oYRjxVsQ3383QmNpxKeyVETb8ZNQlXXLsjN96G4ec4MnzkOWth1MLfFU5NrjQdL6Lhc1ZvljwIsA37w_y8NW1fs9cp957sDI75mQf3yidRk4itNyhXA9i5S0niJ1ghxZDDUPlK8u_4JwVpAGrpDF7trX0NBFFTfZ6WAjt1bxVsjuIGkwlwWtkOkJf8HV12Zx-PCWVy4_Xe3y-anlczorDH-jQxKlFqMcqHUwdw1GSQY_ADobtzbVP1/43k/TU5TqfGZT4OomZaid17rAA/h10/Q5iqLTp-eilOINtQsvPYHmlTLlX8g78zu-m0e-RUs24>

I do NOT consider ESG metrics in any investment decisions
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7W_CeA-BthqZ-I_edrjzNB51HMzy-NRKeNyOlpxYVHFkyYId6Ps7hUCUYNlUJhXZmk-e28zp1RK0okFwzCXOX5nhdoDphwrKdF-migumjI1sM2OezzwhXYIfFcT9TEOo8GgfBE_UohFH1jUtQxwMb5qLXlSMi87mLaahr2UVVqLDoea5hyI2jcSdnM4wgdrpWEMhBXCT6HG-KP3pLN04X4Bi1FHRrSDSqDBuKczkW9_piBkoq7Ak3SExCVC3cB6HPg_b8GG-A-MM_R3iy_GtCb02qZL3aX0D48uHAjBKGz46zlugUnyoyrocWcw5obN_FJvcabjPdWp2KbhA4QmLeJxHu6rpYwgyFX_RSzy1d5S4NJgh6BdZWOzSNABkBj8TkjU1KmXEInRXYdxvU8atIqPGbk6LSUFJnUY5hLzZk2hkiL_kK1i1ghfYjaRqIi-1bvjfFNNNajdGOYomEZvxyx5WB1mM6XG_zX6P2Z-jgFQzbZKu7X_AHQxNADTYV3AGuAGPcgzj6aonkDRmkKQiPkWPmKMpPJAI2U9GcJsewkJ1q4zeFIe-p1_4a938L5CdGxRwV9IRm4yEJNdloVX6fjJiRkYvDzpKoqYZrP33eY5F5q3h5c03C-kifpjW0gLMniPUnCMytiQ6k97wImwBD6S/43k/TU5TqfGZT4OomZaid17rAA/h11/S_lcvjDQtIjQYjSmFJ3TrsDaIRe7JziI1AtsuQ_4xW4>

*Last week's results*

In last week's newsletter, we asked our fellow WINers how they were
reacting to the market. 📈

Everyone who responded had the same answer: they're not paying attention to
the news, choosing to stay the course through steady market investment.

Great adherence to the concept of "time in the market beats timing the
market" - hope ya’ll benefited from the tech sector pop this week!
Excellent!

🏆 Truly Exceptional

Ever wonder what it takes to be an out-of-this world product manager? In
this episode of MoneyBites, Alexandra Stried shares what makes a great PM,
from both an IC and manager perspective.

After her first PM role, Alex was hooked on building products that build
positive user behaviors. Alex shares her career journey from WeightWatchers
to Ellevest where she worked on financial empowerment, and then onto
Cerebral to focus on mental wellbeing.
[image: YouTube video by WINii: MoneyBites]
<https://link.mail.beehiiv.com/ss/c/o5M-BiCHKn5rKluxsCSfaRUcsDsN81wwxNzni7ao6FErfl8JudfU4RKJQLNaQG-5H5-hrfV73OUbwsx5mGM8VtVM5mnFg9ZNaUOHzcnBaXeu_B0vwubKzw67Mg_Cc3gPDPT-JQGkZSjHbIFZxSBkIeUSIX2s7l3AqZ6hnGNWmNtwhMmzqgYx475zQ4I2XKqwqhSNTudwrIJHdTcbAjCHOg/43k/TU5TqfGZT4OomZaid17rAA/h13/sc4GLhM2f9DeZVJ9E9WMyGNhcESmjA226PxEYXLAdJI>

What makes an exceptional product manager? w/ Alexandria Stried @Cerebral
<https://link.mail.beehiiv.com/ss/c/o5M-BiCHKn5rKluxsCSfaRUcsDsN81wwxNzni7ao6FErfl8JudfU4RKJQLNaQG-5H5-hrfV73OUbwsx5mGM8VtVM5mnFg9ZNaUOHzcnBaXeu_B0vwubKzw67Mg_Cc3gPDPT-JQGkZSjHbIFZxSBkIeUSIX2s7l3AqZ6hnGNWmNtwhMmzqgYx475zQ4I2XKqwqhSNTudwrIJHdTcbAjCHOg/43k/TU5TqfGZT4OomZaid17rAA/h12/YhxxAyvZQTMxTkpk1okwhZITjBaiol4NkIvrQUDbVxg>

🎧 Listen on Spotify
<https://link.mail.beehiiv.com/ss/c/2VUYNEgHumP927Z64zK-cRv_Rq4R5MIAOH9HqL0evFeh5IGtEnYMTpsrnn-Egnq_jln1aJxTkCP6h1xgNRyCK932vPt8xynTTJnAKYraoRw1Nbgg-a1KubuF14BmSOAY-q6oupODI9OhI4O5UjwpX-YEggNjhQC07ic13LS75SCQacFOzXYpSAd8s_1fdy94LHpEIC8s1gO8y3UZTWwjsREqnQL0caEzS_O_X2yS3z2Z2s4HP1T55IJ03-L7oZjv6o87BnyoqkKYeRGPGxtE6w/43k/TU5TqfGZT4OomZaid17rAA/h14/0oX7WlUKlsNKxN9Ljf_RpBbTOYXrDix4IVvn854EgFA>

I also had the opportunity to chat with Heidi Kim, a software engineer who
made the switch to PM. After Heidi went through two internships in big
tech, her curiosity and motivation (her why) in her role changed, leading
to a life-changing career pivot.

Here's her story!
[image: YouTube video by WINii: MoneyBites]
<https://link.mail.beehiiv.com/ss/c/o5M-BiCHKn5rKluxsCSfaaYnt65BGpmrurcOAqubp0SeIdxbIEWXst3RtlgUo_4Hlx38uZaBSEtDV_gYWEFV7LLyv0dB66e6ighJH3sWESKvR7ngN7ThwPjgjhrNJhXDTMY7y8SNYW_GowMCnIybvmwA8L5HihV5w9X9SGteLjkQbJTyIIR_9VgzlLVYJyktpL6KWsfelb3buC_ePphTqQ/43k/TU5TqfGZT4OomZaid17rAA/h16/k2RbnkV3qFSXQ9orUKhay9RoHD596bkOy22u1S40E0U>

Switching from a software engineer to product manager w/ Heidi Kim
<https://link.mail.beehiiv.com/ss/c/o5M-BiCHKn5rKluxsCSfaaYnt65BGpmrurcOAqubp0SeIdxbIEWXst3RtlgUo_4Hlx38uZaBSEtDV_gYWEFV7LLyv0dB66e6ighJH3sWESKvR7ngN7ThwPjgjhrNJhXDTMY7y8SNYW_GowMCnIybvmwA8L5HihV5w9X9SGteLjkQbJTyIIR_9VgzlLVYJyktpL6KWsfelb3buC_ePphTqQ/43k/TU5TqfGZT4OomZaid17rAA/h15/xvDBYZl0Yy2SKq0eXERTd5Avyen0Jx7QI6f_ClytiLg>

🎧 Listen on Spotify
<https://link.mail.beehiiv.com/ss/c/2VUYNEgHumP927Z64zK-cRv_Rq4R5MIAOH9HqL0evFfpH3Bgpx3Epssi1qwPV07El1epBNrf2S8965fERI4RS5pXT2flV3fBS64FT8yqPTiw6fFpwOjpBvI4LLOWXnbqtRJDQmnF1icx8VscJTZ96-HiBN6ShN-ZvCCWOm7A42i7Jzs3N2jZU5i16-lqv0LVpeUooswe5tou0KIJxFMsjRaaMRm3h6_Z3oM3Hc42l7vMCwNREEprQ4BSd59JD42asVZ8afqvc_H9kAv_AQfC4Q/43k/TU5TqfGZT4OomZaid17rAA/h17/YWv5ZlNAtPd40ncxj_alr9wbTfVmgABwAKd5iTXb5eo>


Have a wonderful week ahead!

*Minki*
*Founder, **WINii
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