Updated:
1/25/2023

Ethical Fund

5 year change (£)
+£0.10
5 year change (%)
10.10%
Risk level
5 of 7
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If you deposit
£100
per month
After 25 years, your investment could be worth:
£40,628.20
Cash
£30,000
£40,628
Ethical fund

Projections are based on past performance but aren't indicative of future performance. Forecasts are not a reliable indicator of future results. You may get back more or less than the illustrated figures, which are not guaranteed. Inflation will erode the buying power of your money.

If you deposit
£250
per month
After 25 years, your investment could be worth:
£101,570.49
Cash
£75,000
£101,570
Ethical fund

Projections are based on past performance but aren't indicative of future performance. Forecasts are not a reliable indicator of future results. You may get back more or less than the illustrated figures, which are not guaranteed. Inflation will erode the buying power of your money.

If you deposit
£500
per month
After 25 years, your investment could be worth:
£203,140.99
Cash
£150,000
£203,140
Ethical fund

Projections are based on past performance but aren't indicative of future performance. Forecasts are not a reliable indicator of future results. You may get back more or less than the illustrated figures, which are not guaranteed. Inflation will erode the buying power of your money.

If you deposit
£1,000
per month
After 25 years, your investment could be worth:
£406,281.98
Cash
£300,000
£406,281
Ethical fund

Projections are based on past performance but aren't indicative of future performance. Forecasts are not a reliable indicator of future results. You may get back more or less than the illustrated figures, which are not guaranteed. Inflation will erode the buying power of your money.

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Stocks & Shares Individual Savings Accounts (ISA for short), enable you to seek tax-free returns on your investments.

You can put up to £20,000 every tax year into your Stocks & Shares ISA, and any profits you earn will be completely tax-free.*

*Tax treatment depends on individual circumstances. Chip does not offer tax or financial advice.

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General Investment Accounts (GIA) are used if you have more than £20,000 to invest, already have a Stocks & Shares ISA elsewhere, or you've already used your annual ISA allowance.

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FTSE 100 Index fund
S&P 500 Tech fund
Crypto Companies
Healthcare Innovations
Clean Energy fund
FTSE 100 Index fund
S&P 500 Tech fund
Crypto Companies
Healthcare Innovations
Clean Energy fund
FTSE 100 Index fund
S&P 500 Tech fund
Crypto Companies
Healthcare Innovations
About this fund

Begin making ethical investments in things that matter to you.

Ethical X (MyMap 5 Select ESG Fund from BlackRock) is a collection of highly diversified ethical funds grouped together in one single fund. The fund aims to consistently invest with the principles of environmental, social and governance (ESG) values.

The aim of the Fund is to provide, over five-year periods, a return on your investment (generated through an increase in the value of the assets held by the Fund and/or income received from those assets) through an actively managed portfolio.

Fund name

MyMap 5 Select ESG Fund

Avg. annual returns (10/06/20 - 30/09/20)

3.69%

Fund size (as of 09/04/21)

£5,120,255,820

Fund management charges

0.17%

Risk level

5 of 7

Key investor information document

Ethical fund

What does ethical investing mean?

An ethical investment fund is a mutual fund or ETF (exchange traded commodity) that aims to achieve positive returns for investors while prioritising environmental, social and governance considerations (known as ESG) in its decision making.

Fund managers will only invest in companies that adhere to a set of criteria or hit a certain ESG rating. They will look to avoid investing in companies or areas that harm the environment or wider society such as fossil fuels, tobacco and firearms.

Is ethical investing possible? 

There are a number of ways that investors can invest ethically either by using their own personal values, using a widely referenced industry ESG rating system (e.g. MSCI ESG score*) or seeking professional independent advice from an expert.

It can come down to personal choice as investors will hold their own set of personal values and opinions as what makes an ethical company or product.

*MSCI ESG Ratings aim to measure a company’s management of financially relevant ESG risks and opportunities.

How to invest money ethically?

Investing money ethically is about considering values as well as potential returns. You can look to invest in areas you deem to be worthy such as climate change, workers rights and gender equality and avoid areas like firearms, tobacco and gambling when selecting companies and funds to invest in.

Definitions of what are deemed to be ESG and ethical funds can be broad: so it’s important to do your own research to choose the investments that are right for you.

What is an ethical investment fund?

Environmental, social, and governance (ESG) investing refers to a set of standards for a company’s behaviour used by socially conscious investors to screen potential investments.

At Chip we want to make it easy to invest in line with your values and how you see the world. When choosing which funds to invest in, we’ve given our ethical funds their own section so it's easy for you to identify which funds have an ESG rating. 

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Past performance is not a reliable guide to future returns. The value of your investment may go down, as well as up and you might get back less than you originally invested.

Alternative Assets risk summary
2 min read
What are the key risks?
Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.
1. You could lose all the money you invest
•   If the business offering this investment fails, there is a high risk that you will lose all your money. Businesses like this often fail as they usually use risky investment strategies.

•   Advertised rates of return aren’t guaranteed. This is not a savings account. If the issuer doesn’t pay you back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher risk of losing your money. If it looks too good to be true, it probably is.
2. You are unlikely to be protected if something goes wrong
•   Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here

•   Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA- regulated firm, FOS may be able to consider it. Learn more about FOS protection here.
3. You are unlikely to get your money back quickly
•   Even if the business you invest in is successful, it will likely take several years to get your money back.

•   This type of business could face cash-flow problems that delay payments to investors. It could also fail altogether and be unable to repay any of the money owed to you.

•  You are unlikely to be able to cash in your investment early by selling your investment. In the rare circumstances where it is possible to sell your investment in a ‘secondary market’, you may not find a buyer at the price you are willing to sell.

•  You may have to pay exit fees or additional charges to take any money out of your investment early.
4. This is a complex investment
•  This kind of investment has a complex structure based on other risky investments, which makes it difficult for the investor to know where their money is going.

•  This makes it difficult to predict how risky the investment is, but it will most likely be high.

•  You may wish to get financial advice before deciding to invest.
5. Don't put all your eggs in one basket
•  Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.

•  A good rule of thumb is not to invest more than 10% of your money in high-risk investments.
If you are interested in learning more about how to protect yourself, visit the FCA’s website here.