Growth Est Net Flow Source: Morningstar Direct, Data as of 30 October 2015 Key Take-Away 22 gStick to Your Plan /Develop a robust investment plan and stick to if, avoid letting fear or greed drive your

approximation (RMSEA) of 0.012 is well below the goal of being less than 0.050 (Browne and Cudeck, 1993). 3 Both CFI and RMSEA goodness-of-fit statistics indicate that SEM in models 7 to 9 fits the data quite

, category of received collateral or collateral use for the contract, approximate duration of contract of each transaction, adequacy approximation of collateral and income recognition and transaction fee. 3.6

each transaction, adequacy approximation of collateral and income recognition and transaction fee. 3.6 Investments in debt and net equity securities It shall disclose the rule of fair value assessment of

collateral or collateral use for the contract, approximate duration of contract of each transaction, adequacy approximation of collateral and income recognition and transaction fee. 3.6 Investments in debt and

Investor Strategies for Incorporating ESG Considerations into Corporate Interactions www.blackrock.com www.ceres.org Century21st Engagement Investor Strategies for Incorporating ESG Considerations into Corporate Interactions [ 5 ] FOREWORD The Value of Our Voice ......................................................................................................................................... 1 How ESG Megatrends Are Shaping Valuation ...........................................................