This article was first published on rabble.ca
Are charities legally permitted to make impact investments with their funds? Yes, but, getting to “yes” is not straightforward, and depends on the circumstances.
Impact investing is the use (mainly, but not exclusively) of money to simultaneously realize a financial return and a public or social good. A 2016 survey published by the Responsible Investment Association in Canada reports that in 2015 more than $9.2 billion in assets under management were identified by the survey respondents as being impact investments. A 2017 report by the Global Impact Investing Network reveals US$114 billion in impact investments worldwide in 2016. These investments are in sectors ranging from housing and energy to microfinance, education, and arts and culture. The investment instruments include debt (e.g., loans, bonds), equity (both private and public shareholdings or units in partnerships), and real assets (in other words, tangible assets such as real estate or commodities, rather than financial capital).
Increasingly, charities are looking at using their funds and other resources to contribute to positive social, economic, cultural and environmental change (“social impact”), as well as to obtain a financial return. But does the law permit them to do so? Continue reading “Impact investing: What are charities able to do?”