Sustainable Investment Partners LLC (“SIP”) is a Massachusetts-based Registered Investment Advisor (RIA) specializing in values-aligned investment strategies.

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Whether you are facing life transitions, managing multi-generational assets, or investing with intention, SIP is here to guide you.

 

Comprehensive Insights on Investments

30 Year Mortgage Rates

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, with mortgage rates around 7.24%, the median U.S. household earned $42,000 while the median home cost $175,000. Today, the median household income has risen to approximately $75,000, yet the median home price now exceeds $400,000. This significant disparity has priced many potential buyers out of the market, with nearly 50% of renters spending over 30% of their income on housing. As of 2023, median homeowners allocate 42% of their income toward housing.

Multiple factors—including rising interest rates, stagnant wage growth, limited housing supply, and consumer strain—are hindering the housing market. Each factor is influencing the market in different ways, leading to increased pressure on affordability. Addressing the growing disconnect between income, interest rates, and home prices is essential for fostering sustainable economic growth.

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Culture

Money Moves for a Midlife Career Pivot

If you’re in your 40s or 50s and thinking about a career change, you’re not alone. Midlife has a way of sharpening our vision. You start seeing what’s no longer working — the burnout, the boredom, the quiet feeling that maybe you’ve outgrown the box you spent decades building.
And then the question hits: Can I even afford to change direction now?

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Investing

Market Timing & Lazy Narratives

𝗦𝗵𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝘁𝗶𝗺𝗲 𝘁𝗵𝗲 𝗺𝗮𝗿𝗸𝗲𝘁?
𝗢𝗳 𝗰𝗼𝘂𝗿𝘀𝗲 𝗻𝗼𝘁. But you better know how to spot a lazy narrative when you see one. Here’s a classic example: “Miss the 10 best days in the market and you lose 50%+ of your returns!” Sounds terrifying. Convincing. Maybe even scientific.
Until you dig deeper.

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Strategies for Sustainable Living

A painting of Brumhadino depicting the aftermath of a mining dam tailing disaster in Minas Gerais , Brazil, highlighting its devastating impact on both human life and the environment. In the foreground, children with vulture-like faces symbolize the duality of humanity, representing the potential for innovation and progress as well as the propensity for greed and destruction. In the background, the logo of the company responsible for the disaster serves as a stark reminder of corporate accountability amidst environmental crises

Trivia: How is your cookware tied to global trade dynamics?

At first glance, it might seem like just a pot.

Or perhaps a simple pan.

An ordinary object in your kitchen.

But zoom out—and the bigger picture emerges.

Even that frying pan is part of a vast global narrative.

It likely originated from iron ore mined deep beneath the earth’s surface.

In Brazil, a devastating mine collapse occurred in 2019, marking a tragic chapter.

Artist Fornasaro captured this reality in the evocative work Brumadinho, a testament to the impact of mining.

Through its strokes, Brumadinho reminds us: the global economy feels tangible.

It bears weight. It leaves traces.

Read more here…

 

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.