
Disclaimer
BY CLICKING ON “I AGREE”, I DECLARE I AM A WHOLESALE CLIENT AS DEFINED IN THE CORPORATIONS ACT 2001.
What is a Wholesale Client?
A person or entity is a “wholesale client” if they satisfy the requirements of section 761G of the Corporations Act.
This commonly includes a person or entity:
who holds an Australian Financial Services License
who has or controls at least $10 million (and may include funds held by an associate or under a trust that the person manages)
that is a body regulated by APRA other than a trustee of:
(i) a superannuation fund;
(ii) an approved deposit fund;
(iii) a pooled superannuation trust; or
(iv) a public sector superannuation scheme.
within the meaning of the Superannuation Industry (Supervision) Act 1993that is a body registered under the Financial Corporations Act 1974.
that is a trustee of:
(i) a superannuation fund; or
(ii) an approved deposit fund; or
(iii) a pooled superannuation trust; or
(iv) a public sector superannuation scheme
within the meaning of the Superannuation Industry (Supervision) Act 1993 and the fund, trust or scheme has net assets of at least $10 million.that is a listed entity or a related body corporate of a listed entity
that is an exempt public authority
that is a body corporate, or an unincorporated body, that:
(i) carries on a business of investment in financial products, interests in land or other investments; and
(ii) for those purposes, invests funds received (directly or indirectly) following an offer or invitation to the public, within the meaning of section 82 of the Corporations Act 2001, the terms of which provided for the funds subscribed to be invested for those purposes.that is a foreign entity which, if established or incorporated in Australia, would be covered by one of the preceding paragraphs.
Sustainable Investing
Water pollution
Water pollution is the contamination of an open freshwater or saltwater watercourses with non-indigenous organic or man-made material.
It is a major threat to water quality worldwide and to marine life in rivers, lakes, seas and oceans.
Agricultural methods and industrial production are the main threats to fresh watercourses. Pesticides and manures used by farms are eventually washed by rain into the water cycle, polluting rivers and lakes. Some of it is captured by the hydrological cycle, falling as acid rain, and completing a vicious circle.
A survey of US water quality by the Environmental Protection Agency showed that nearly half of American rivers and streams and more than one-third of lakes were polluted and unfit for swimming, fishing, and drinking. The primary cause was nitrates from farming.1
Human effluent is another cause of water pollution. Modern sewerage systems in developed nations are usually able to capture human waste and treat it so that it doesn’t enter watercourses untreated. However, in emerging markets, between 80% and 95% of wastewater flows back into the environment without being treated or reused, according to the UN.2
Creating returns that benefit the world we live in
Industrial discharges
Industrial discharges of chemicals, byproducts or water that became contaminated when it was used in the manufacturing process is another cause of pollution. The Rhine was once so polluted due to discharges from Germany’s chemical plants that it was possible to develop film in the river. Lakes close to industrial facilities in Siberia were similarly so polluted that they didn’t freeze during winter.
Mining has been a major source of pollution due to slurries created through coal production or mineral extraction. This has led to several Robeco engagement campaigns, particularly regarding the threat posed by the tailings dams that hold the waste products which leak into watercourses when not managed properly.
Oil leaks have been high profile when tankers ran aground or were damaged, spilling crude oil into the sea, but such leaks remain relatively rare. Almost half of the estimated 1 million tons of oil found in the sea each year comes from land-based sources such as car engine oil. One liter of motor oil poured down the drain is enough to pollute 60,00 liters of water.3
Radioactive leaks are also rare, though contaminated water has been found close to nuclear plants, and during uranium production. Water discharges contaminated by the Fukushima nuclear disaster in Japan contains radioactive isotopes with a half life of 5,730 years, meaning they pose a cancer threat to human and marine life for thousands of years

Marine debris
Marine debris is an increasing threat. Discarded consumer products such as plastic bags, cotton buds and drinks tins is responsible for harming more than 200 different species of marine life, while fishing lines and nets dumped in rivers or ocean can strangle or choke animals such as turtles.
Plastic waste is one of the biggest problems due to the millions of single-use bottles that are dumped annually. A report by the Ellen MacArthur Foundation predicted that if the world continues to dump 9.1 million tons of plastic in the ocean each year, there will be 850-950 million tons of it floating in the sea by 2050, compared to estimated fish stocks of 812-900 million tons, meaning there will be more plastic in the ocean than fish.4
Another issue is the fact that many plastics break down in salt water into tiny fragments. A study by the Ocean Rescue science group calculated that there are now 5 trillion microplastics floating on the ocean's surface. Much of this is ingested by sea creatures which means it goes into the food chain when fish and squid are caught for human consumption.
Finally, global warming forms part of the threat due to the fact that up to 90% of all greenhouse gases have been absorbed by the oceans, causing greater acidity which is destroying coral reefs and poisoning some species of fish.
See also:
Footnotes
1https://www.nrdc.org/stories/water-pollution-everything-you-need-know
2 http://www.unesco.org/new/en/natural-sciences/environment/water/wwap/wwdr/2017-wastewater-the-untapped-resource/
3 https://www.usbr.gov/mp/arwec/water-facts-ww-water-sup.html
4 https://www.cbc.ca/news/politics/ocean-plastic-liberals-fact-check-1.5212632