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The opinions expressed herein are those of City Different Investments (CDI), should not be considered a recommendation to buy or to sell any security, and are subject to change without notice.  
 
The viewer should not assume that any discussion or information contained [on this site] serves as the receipt of, or as a substitute for, personalized investment advice from CDI. 
 
CDI reserves the right to modify its current investment strategies and techniques based on changing market dynamics or client needs. 
 
Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, product or any non-investment-related content, made reference to directly or indirectly herein will be profitable, equal to any corresponding indicated historical performance level(s), be suitable for the viewer’s portfolio or individual situation or prove successful. For a more complete listing of CDI’s investment strategy offerings, their risks and fees, see our Form ADV Part 2A Brochure and Client Relationship Summary, available [here – add link or direct them somewhere else on the site]. 
 
Past performance is not indicative of future results.  
 
The application of ESG and carbon neutral guidelines to portfolio construction and security selection will limit the available universe and may cause a portfolio to underperform when compared to a similar strategy using securities that do not meet defined ESG and carbon neutral criteria. ESG and carbon neutral criteria is subjective and may not align with a client’s specific opinions about ESG. The criteria related to the implementation of an ESG and carbon neutral strategy may result in a portfolio forgoing opportunities to buy certain securities when it might otherwise be advantageous to do so or sell securities for reasons when it might be otherwise disadvantageous for it to do so.