Customization

Within our fixed income portfolios, customization offers investors the opportunity to direct their capital to support specific geographies (also known as place-based impact investing), one or more of 18 impact themes, or impact initiatives.

Customization can take place in our flagship bond fund (CCM Community Impact Bond Fund Institutional Shares (f/k/a the CRA Qualified Investment Fund)) with a minimum initial investment of $500,000 (may be lower on advisor platforms) or in a separately managed account with a minimum initial investment of $10 million. Investments that direct capital to geographies can target at the county, state, or regional level. Investments that direct capital to impact themes can target one or more of 18 impact themes (click here for full impact theme descriptions). Investments that direct capital to impact initiatives can support COVID-19 Relief or Minority CARES.

Impact Customization

Impact By Geography

Investments targeted to geographies can be as narrowly defined as a county. Investors can choose multiple geographies within different counties and/or states with the investments supporting a variety of CCM’s 18 impact themes. Hover over a state to see our cumulative investment impact since inception. Numbers are approximate as of the most recent year end.

Puerto Rico$12 Million
Virgin Islands$500,000

Impact By Theme

Investments customized to impact themes can target one or more of 18 impact themes. When a client selects customization by impact theme, the investments will support those specific impact themes nationwide. Click on an impact theme to read its full description. Click here for full descriptions of all 18 impact themes including a glossary of terms.

Affordable Health and Rehabilitation Care
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Affordable Health and Rehabilitation Care

Creating and retaining affordable health care services and rehabilitation facilities for low- and moderate-income (LMI) and medically underserved persons and investing in opportunities that promote wellness and access to high-quality health care for communities. Also looking to dismantle barriers to inequities in health care.

Enterprise Development and Jobs
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Enterprise Development and Jobs

Providing small businesses with access to capital, creating jobs, retaining jobs, and offering job training programs. Supporting entrepreneurship, decent work for all, and an inclusive and sustainable growth strategy that looks to secure stable employment.

Neighborhood Revitalization
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Neighborhood Revitalization

Transforming blighted neighborhoods into areas of opportunity and vibrant, safe places to live by assisting in the revitalization of community facilities and improvement in the quality of life for all residents. Focus areas can include health, education, amenities, economic opportunities, transportation, beautification, housing, and safety measures.

Affordable Housing
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Affordable Housing

Financing for affordable homeownership to LMI borrowers and affordable rental housing properties, including workforce housing, and investing in opportunities that promote affordable homeownership, down payment assistance, first-time home buyer programs, and access to quality living.

Environmental Sustainability
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Environmental Sustainability

Supporting activities that look to conserve natural resources and protect ecosystems to support health and wellbeing, now and in the future. Examples can include properties, projects, companies, and small businesses implementing sustainable initiatives such as adaptive reuse, energy efficiency, Leadership in Energy & Environmental Design (LEED) certification, renewable energy, water and land conservation efforts, brownfield development, pollution prevention and control, clean transportation, and high Walk Scores.

Poverty Alleviation
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Poverty Alleviation

Poverty is one of the most persistent of economic problems in the U.S. with many census tracts and counties scoring below national averages in income, wealth, education, employment, health outcomes, economic mobility, and generational advancement. This impact theme uses statistical measures, including persistent poverty counties (PPC), high poverty counties, and R/ECAP scores, along with federal/state agency designations to track investments benefiting people and communities of persistent poverty.

Arts, Culture, and the Creative Economy
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Arts, Culture, and the Creative Economy

Supporting educational programs, businesses, organizations, and the development of properties involved with visual, performing, design, literary, and other art-related works. Also investing in support of ethical fashion, sustainable food, social impact media, creative places, and other elements of the creative economy.

Gender Lens
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Gender Lens

Benefiting women and girls, primarily those that are LMI, including women-owned businesses, educational programs, health-related services, and affordable homeownership. Investing in opportunities with women leadership, workplace equity, products and services beneficial to women and girls, and related shareholder engagement and policy work.

Rural Community Development
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Rural Community Development

Investing in loans, small businesses, activities, and economic opportunities that aim to improve the welfare and livelihoods of people living in rural areas. Rural community development includes counties that are not part of a Metropolitan Statistical Area (MSA) or a census tract in an MSA that is outside of the MSA's Urbanized Areas, as designated by the U.S. Department of Agriculture's (USDA) Rural-Urban Commuting Area (RUCA) Code #1, and outside of tracts with a housing density of over 64 housing units per square mile for USDA's RUCA Code #2.

Disaster Recovery, Resilience, and Remediation
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Disaster Recovery, Resilience, and Remediation

Supporting economic development activities in designated disaster areas and physical and civic infrastructure to better prepare communities for the effects of climate change, natural disasters, and widespread health emergencies. Investments in recovery, resilience, and remediation can stimulate community and economic development, build strong infrastructure, and promote sustainability, all while empowering people and protecting our planet.

Healthy Communities
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Healthy Communities

Establishing and maintaining effective strategies to achieve health equity in neighborhoods such as multi-use trails, high Walk Scores and high Bike Scores, community parks, access to nutritious foods, and investing in opportunities that promote health and wellness.

Seniors and the Disabled
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Seniors and the Disabled

Offering affordable living for seniors and/or disabled individuals, including physical, social, and psychological services. Ensuring that elderly residents, especially those who are frail or at-risk, and non-elderly residents with disabilities are linked to the supportive services they need to continue living independently.

Economic Inclusion
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Economic Inclusion

Assisting and supporting the process of bringing targeted groups, individuals, and communities, including immigrants and refugees, closer to the economic mainstream and capital markets. Examples of economic inclusion opportunities include financial literacy training, loans to first-time homebuyers, small business loans, rent-to-own housing programs, and “banking the unbanked” initiatives.

Human Empowerment
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Human Empowerment

Assisting individuals and families, including immigrants and refugees, through resources and programs designed to achieve personal goals, greater self-sufficiency, and upward mobility.

Sustainable Agriculture
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Sustainable Agriculture

Supporting agriculturally sustainable businesses and initiatives such as those that engage in pesticide-free agriculture, hydroponics, aquaponics, and vertical farming. Sustainable agriculture looks to promote environmental stewardship and enhance the quality of life for farm families and communities.

Education and Childcare
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Education and Childcare

Providing education and/or childcare services primarily in LMI communities, improving the quality of educational services and facilities, and offering broad-based youth development programs that look to have a beneficial impact to children.

Minority Advancement
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Minority Advancement

Supporting high minority census tracts, majority-minority census tracts, racially or ethnically concentrated areas of poverty (R/ECAP), programs offering equal access to jobs, economic development, and affordable housing. Investing in opportunities with ethnic minority leadership, workplace equity, services beneficial to ethnic minorities, and related shareholder engagement and policy work.

Transit-Oriented Development
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Transit-Oriented Development

Creating vibrant, livable, and sustainable communities through the integration of compact, walkable, pedestrian-oriented, mixed-use communities centered around high-quality train systems. Investments that align with this theme also include those with a high Transit Score.

Impact By Initiative

Investments customized to initiatives can target one or both of our current initiatives: Covid-19 Relief or Minority CARES. Hover over an initiative to see our cumulative investment impact since inception of each program. Numbers are approximate as of the most recent quarter end. For more information on both initiatives, click here.

COVID-19 RELIEF $91 Million
Minority CARES $578 Million

IMPACT CUSTOMIZATION FORM

Clients can customize their investments using our impact customization form.

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