Impact Investing FAQs
What is impact investing and how is it different?
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Impact investing means putting your money to work in ways that generate both a financial return and a measurable social benefit. Instead of simply earning interest while your money sits in a bank or moves through financial markets, your investment is directed toward specific projects and people in Vermont communities.
At VCLF, that means your investment funds loans to affordable housing developers, small business owners, early childhood education programs, and other Vermont organizations creating real change. You earn interest and your money helps build something that matters.
The difference from conventional investing is intentionality. A traditional savings account or mutual fund optimizes for return. An impact investment optimizes for return and outcome.
How do you keep my investment safe?
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Keeping your investment safe is a top priority. VCLF has never failed to repay an investor, on time, with interest, as promised. Read more about how we keep investments safe.
Are your investment return rates competitive?
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Yes. We regularly review our rates and compare them to other financial institutions. Our investment opportunities are not just financial, however, as they fuel loans that bring about meaningful changes to communities across Vermont.
Are there any tax incentives available when investing with VCLF?
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Yes, with our Social Investment Term Account you can take advantage of the Vermont Charitable Housing Investment Tax Credit available through the state of Vermont. Learn more about how it works.
How can I learn more about the loans you’re making with my investment?
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Follow us on social media, subscribe to our email newsletter, and join us for quarterly investor update calls.
We’re happy to help! Get in touch.
Have more questions?
Jake Ide
Director of Investment & Philanthropy
Liz Touchstone
Impact Investment Manager