Sustainable Investment Partners LLC (“SIP”) is a Registered Investment Advisor (RIA) in the Commonwealth of Massachusetts.
Thoughts On Sustainability
Trivia: How is your cookware tied to global trade dynamics?
A pot.
A pan.
Just another object in your kitchen.
But zoom out—and you’ll see the entire world in it.
Even your frying pan is part of an extraordinary global story.
That pan likely started as iron ore, pulled deep from mines.
In Brazil, one such mine collapsed in 2019, unleashing a tragedy.
The evocative artwork Brumadinho by artist Fornasaro is a testimony to that iron ore mining disaster in Brazil.
With every brushstroke, Brumadinho reminds us: the global economy isn’t abstract.
It has weight. It leaves marks.
Anu Rames, Founder & Managing Principal of SIP, is an investment professional trusted by both institutions and individuals navigating the question “What’s enough – and what’s next?”
With nearly two decades of investing experience at global firms like BNP Paribas Asset Management, Liberty Mutual Investments, Boston Trust Walden etc., Anu brings institutional rigor to human-centered outcomes. At Liberty Mutual, she served on the 401(k) Investment Committee, stewarding retirement assets for 72,000+ participants.
Anu holds an MBA from Babson College and an engineering degree from Calicut University.
Whether you’re building a platform, a portfolio, or a second act – Anu can help you launch with clarity and conviction.
Investment Perspectives
𝙒𝙞𝙩𝙝 30-𝙮𝙚𝙖𝙧 𝙢𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝙧𝙖𝙩𝙚𝙨 𝙧𝙞𝙨𝙞𝙣𝙜 𝙩𝙤 𝙩𝙝𝙚 7% 𝙧𝙖𝙣𝙜𝙚 — 𝙡𝙚𝙫𝙚𝙡𝙨 𝙨𝙚𝙚𝙣 𝙞𝙣 𝙩𝙝𝙚 𝙚𝙖𝙧𝙡𝙮 2000𝙨—𝙩𝙝𝙚 𝙚𝙘𝙤𝙣𝙤𝙢𝙞𝙘𝙨 𝙤𝙛 𝙝𝙤𝙢𝙚𝙤𝙬𝙣𝙚𝙧𝙨𝙝𝙞𝙥 𝙝𝙖𝙫𝙚 𝙛𝙪𝙣𝙙𝙖𝙢𝙚𝙣𝙩𝙖𝙡𝙡𝙮 𝙘𝙝𝙖𝙣𝙜𝙚𝙙.
In 2001, when mortgage rates sat around 7.24%, the median U.S. household earned $42,000, and the median home cost $175,000. Fast forward to now: household income has climbed to about $75,000, but the median home now exceeds $400,000. That’s structural drift. Home prices have outpaced incomes by a wide margin. The gap is pricing people out of the market. As of 2023, nearly 50% of renters were spending over 30% of their income on housing. The median homeowner now allocates 42% of their income on housing. This is a question of rates, access, and sustainability.
Multiple forces—rising interest rates, stagnant wage growth, limited housing supply, and consumer strain – are constraining the housing market. Each factor is moving in its own direction, creating pressure. Eventually, something will have to adjust. Housing plays a central role in the health of the broader economy, and resolving the current disconnect between income, interest rates, and home prices is essential for healthy economic growth..