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Morningstar Moments: 3 Things You May Have Missed

Our analysts discuss ESG investing in 401(k) plans, advising Latino clients, and President Biden’s tax rate proposal.

Here are the major financial moments our analysts have been talking about. 

1) Use Your Voice for Your Investments Today and Tomorrow


https://www.linkedin.com/feed/update/urn:li:activity:6795376078195085313/

ESG investing involves incorporating environmental, social, and governance factors into the investments you pick. Proxy voting is the way for investors to give their say in a company they invest in. Put those together, and you get a whole new way to consider investing in your 401(k) plan. Samantha Lamas writes about the power that investors and ESG investing can have when planning for retirement.   

2) Advisors: “Ask More Questions and Make Fewer Assumptions”  

https://www.linkedin.com/feed/update/urn:li:activity:6795392080366579712/ 

Less than 3.5% of certified financial planners are Black or Latino as of 2017, according to the Certified Financial Planner Board. How can advisors open up their firms to more diverse clients? Morningstar’s newest contributor Catalina Franco-Cicero sums it up in one word: education. She outlines what steps advisors need to take to understand and serve Latino clients.   

3) Know When to Let Go of Long-Held Positions
https://twitter.com/christine_benz/status/1389223711358787584 

If President Biden’s proposal to increase the tax rate on long-term capital gains gets approved by Congress, it will only be imposed on people who have incomes of more than $1 million. If you are a part of the majority who won’t have to pay the newer, higher tax, don’t get too comfortable yet. Christine Benz calls on investors to use this as an opportunity to evaluate some of the holdings in their portfolios.  

Stay in the loop with @MorningstarInc and our analysts: 
Jackie Cook, director of sustainability stewardship research: @FundVotes 
Samantha Lamas, behavioral researcher: @SamanthaLamas4 
Tom Lauricella, editor for Morningstar Direct: @LauricellaTom 
Christine Benz, director of personal finance: @Christine_Benz