{"id":12473,"date":"2022-08-14T08:00:51","date_gmt":"2022-08-14T13:00:51","guid":{"rendered":"https:\/\/legaltalktexas.hammerle.com\/?p=12473"},"modified":"2025-06-18T13:33:28","modified_gmt":"2025-06-18T18:33:28","slug":"socially-responsible-investments-meet-fiduciary-duties-guess-who-wins","status":"publish","type":"post","link":"https:\/\/hammerle.com\/legaltalk\/business-law\/socially-responsible-investments-meet-fiduciary-duties-guess-who-wins\/","title":{"rendered":"Socially Responsible Investments Meet Fiduciary Duties: Guess Who Wins"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u201cSocially Responsible Investing\u201d (SRI) is all the rage in investment circles. So is its big sister: \u201cEnvironmental, Social and Governance Investing\u201d (ESG).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Both are strategies promoting investment decisions that focus on, or at least factor in, a company\u2019s claim that it is bringing about social change. The company is betting shareholder\u2019s money that the public posturing will attract investors and raise stock prices.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For some investors, SRI and ESG strategies are the closest they will ever come to believing they are effectuating a real change to\u2026 something. This belief persists even though it may be impossible to verify a company\u2019s claim.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The popularity of SRI and ESG investing have spawned numerous funds and strategies. It is investment marketing on steroids. SRI and ESG investing are so popular that some estimate more than $17 trillion in assets under management are invested based on socially responsible criteria.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There is nothing the matter with that, of course. Unless, that is, you are a trustee investing trust assets, in which case your social investing may lead you to a breach of <\/span><a href=\"https:\/\/hammerle.com\/legaltalk\/business-law\/common-types-of-business-litigation\/\"><span style=\"font-weight: 400;\">fiduciary duty lawsuit<\/span><\/a><span style=\"font-weight: 400;\"> and personal liability for damages.\u00a0\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Oops.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The Duty of Loyalty<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A trustee has a duty to invest and manage the trust assets solely in the interest of the beneficiaries. It is called the fiduciary duty of loyalty.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The trustee\u2019s duty of loyalty is found in the statutes of almost every state. The <\/span><a href=\"https:\/\/www.fdic.gov\/regulations\/examinations\/trustmanual\/appendix_c\/appendix_c.html#:~:text=(a)%20A%20trustee%20shall%20invest,care%2C%20skill%2C%20and%20caution.\"><span style=\"font-weight: 400;\">Uniform Prudent Investor Act<\/span><\/a><span style=\"font-weight: 400;\">, which has been adopted in some form by 44 states, specifically requires a duty of loyalty by trustees. The Texas version is found in the <\/span><a href=\"https:\/\/statutes.capitol.texas.gov\/Docs\/PR\/htm\/PR.117.htm\"><span style=\"font-weight: 400;\">Chapter 117 of the Texas Property Code<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Every trustee in Texas is bound by the Uniform Prudent Investor Act. Its requirements can be varied by specific terms of the trust, but most trusts use the Act as the basis for trustee investment decisions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Under the duty of loyalty, the trustee must act exclusively for the beneficiaries. The trustee cannot act for its own best interests or for the best interests of a third party. This is especially true for a trustee\u2019s investment decisions.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is here where socially responsible investing falls into disrepute. If a trustee places a high value on social investing, then it may accept below-market returns to achieve its strategy. By doing that, it is placing the interest of the persons who supposedly benefit from those social causes above the interests of the trust beneficiaries.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is a classic trade off.\u00a0\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is also against the law.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many investment companies, eager to persuade trustees to invest with them, will blather about how a particular investment plan can achieve high returns in both investments and social causes. Sometimes they may even be right.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, even including a company\u2019s advertised social responsibility as a factor in making an investment could be a violation of a trustee\u2019s duty of loyalty. A trustee cannot offload its duty to a third party investment company, however well-intentioned the decision.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The Trust Takeaway<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you are setting up a trust and want to have the trustee engage in SRI and ESG investing, then spell it out in the trust document. Be specific about the causes you want the investments to promote. Give alternatives if those causes are found to be illegal or companies cease to support them. Include language that specifically releases the trustee from liability for making those investments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are a trustee, then read the trust and read your state\u2019s version of the Uniform Prudent Investor Act. Never make a trust investment decision based upon your personal beliefs or pet causes.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Hammerle Morris Can Help<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you need legal assistance, <\/span><a href=\"https:\/\/hammerle.com\/lewisville-attorney\/#form\"><span style=\"font-weight: 400;\">schedule a consultation<\/span><\/a><span style=\"font-weight: 400;\"> with one of our experienced <\/span><a href=\"https:\/\/hammerle.com\/lawyers\/\"><span style=\"font-weight: 400;\">attorneys<\/span><\/a><span style=\"font-weight: 400;\"> to discuss your options.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/hammerle.com\/lawyers\/virginia-hammerle\/\"><i><span style=\"font-weight: 400;\">Virginia Hammerle<\/span><\/i><\/a><i><span style=\"font-weight: 400;\"> is in her fourth decade of practicing law. She is Board Certified in Civil Trial by the Texas Board of Legal Specialization and an Accredited Estate Planner. Contact her at legaltalktexas@hammerle.com or visit <\/span><\/i><a href=\"http:\/\/www.hammerle.com\/\"><i><span style=\"font-weight: 400;\">www.hammerle.com<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">. This column does not constitute legal advice.<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cSocially Responsible Investing\u201d (SRI) is all the rage in investment circles. So is its big sister: \u201cEnvironmental, Social and Governance Investing\u201d (ESG). Both are strategies promoting investment decisions that focus on, or at least factor in, a company\u2019s claim that it is bringing about social change. The company is betting shareholder\u2019s money that the public [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":12474,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[5],"tags":[],"class_list":{"0":"post-12473","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-business-law"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Socially Responsible Investments Meet Fiduciary Duties: Guess Who Wins<\/title>\n<meta name=\"description\" content=\"SRI and ESG investment strategies promote decisions that focus on a company&#039;s claim to bring about social change. 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