Move your money

Invest in a positive future

Money makes the world go around. But what if you could make sure your hard-earned dosh was turning the world into a better place… rather than the opposite?

By moving your pension, savings, investments and current account to ethical funds and providers, you can invest in our society and environment - all the while getting the financial returns you deserve.


Here are a few reasons to take action.

Click for more info or scroll to read them all.


As you know, burning fossil fuels like oil and coal creates greenhouse gases. These destabilise our climate and threaten our future. There are plenty of clean energy sources available, and the sooner they replace fossil fuels, the more likely we are to avoid climate catastrophe.

To speed up this transition (and we really don’t have any time to waste)6, there is a global movement for investors of all shapes and sizes to stop funding fossil fuel companies. This is known as divestment.

For a long time, fossil fuel investments were the backbone of many, if not most, portfolios - including pension funds. These days, although it’s easier to avoid investing in fossil fuels, it still requires an active choice rather than being the default option.

If you want to double down on your positive impact, switch to a pension, bank account, portfolio or fund that’s divested from fossil fuels and is actively investing in renewables instead of fossil fuels. And rest assured, you’ll be in good company: there are more and more institutions dumping their fossil fuel funds in favour of cleaner alternatives.8


of UK universities to divest from fossil fuels7


Just like investment portfolios built on fossil fuels, it has long been socially acceptable to invest in socially unethical companies. Weird eh? Just so you know, socially unethical can and does include anything and everything from gambling and pornography, to tobacco and weapons.

These days, most ‘ethical’ funds and banks will guarantee that your pounds and pennies aren’t helping companies that contribute to the destabilisation or harm of our society. With investing, these are commonly known as ESGs - which means they meet certain Environmental, Social and Governance standards. But again, socially responsible investing principles aren’t always the default option - it’s always worth double checking where your money is going.

Remember the money in your savings and current account is being leveraged by your bank to lend out as well.

As with environmental investments, you can go beyond divesting from unethical funds to actively seeking out funds that positively impact society by investing in, for example, charities, education and healthcare.9


Do you shop locally? Buy green energy? Prefer fair trade chocolate? We all choose how to spend our money and (pardon the pun), change is in our pockets. With these kinds of everyday purchasing decisions, it’s easy to decide whether an ‘ethical’ choice is good value for money. For example, a 20p premium on a sack of organic carrots? Sold.

But when it comes to how banks, pensions and investment firms spend our money, it can feel like that choice is taken away. Obviously, you’d rather not give your money to banks that are investing in fossil fuels,1 tobacco or the arms trade, but what else is on offer…?

Well here’s the good news: from banks, to pensions, to savings, there are more and more ethical investment options available.2 And, even better news, recent research from Morgan Stanley shows there is no financial tradeoff in the returns of sustainable funds and traditional funds. What’s more, sustainable funds may even offer lower market risk than traditional funds.3

However, it’s worth pointing out that comparisons between the long term performance of ethical and non-ethical funds (and, for the record, wouldn’t it be great if we didn’t have to make that choice?) is complex and often misleading.4 All we can say for sure that today, more than ever before, there are plenty of opportunities to make sure your money is safe, well-invested and doing good.


of British adults believe ethical investment is as important as recycling5

Global Goals

In September 2017, an historic agreement was signed by UN member nations agreeing to work towards 17 Global Goals for Sustainable Development by 2030, otherwise known as the SDGs.

Achieving these ambitious goals will require action from governments, businesses, NGOs, and individuals alike. We can - and must - all play our part.

1.a: Ensure significant mobilization of resources from a variety of sources, including through enhanced development cooperation, in order to provide adequate and predictable means for developing countries, in particular least developed countries, to implement programmes and policies to end poverty in all its dimensions

2.a: Increase investment, including through enhanced international cooperation, in rural infrastructure, agricultural research and extension services, technology development and plant and livestock gene banks in order to enhance agricultural productive capacity in developing countries, in particular least developed countries

3.c: Substantially increase health financing and the recruitment, development, training and retention of the health workforce in developing countries, especially in least developed countries and small island developing States

4.c: By 2030, substantially increase the supply of qualified teachers, including through international cooperation for teacher training in developing countries, especially least developed countries and small island developing States

5.1: End all forms of discrimination against all women and girls everywhere

6.a: By 2030, expand international cooperation and capacity-building support to developing countries in water- and sanitation-related activities and programmes, including water harvesting, desalination, water efficiency, wastewater treatment, recycling and reuse technologies

7.2: By 2030, increase substantially the share of renewable energy in the global energy mix

8.3: Promote development-oriented policies that support productive activities, decent job creation, entrepreneurship, creativity and innovation, and encourage the formalization and growth of micro-, small- and medium-sized enterprises, including through access to financial services

9.3: Increase the access of small-scale industrial and other enterprises, in particular in developing countries, to financial services, including affordable credit, and their integration into value chains and markets

10.0: Reduced Inequalities

11.3: By 2030, enhance inclusive and sustainable urbanization and capacity for participatory, integrated and sustainable human settlement planning and management in all countries

12.6: Encourage companies, especially large and transnational companies, to adopt sustainable practices and to integrate sustainability information into their reporting cycle

13.3: Improve education, awareness-raising and human and institutional capacity on climate change mitigation, adaptation, impact reduction and early warning

14.1: By 2025, prevent and significantly reduce marine pollution of all kinds, in particular from land-based activities, including marine debris and nutrient pollution

15.2: By 2020, promote the implementation of sustainable management of all types of forests, halt deforestation, restore degraded forests and substantially increase afforestation and reforestation globally

16.1: Significantly reduce all forms of violence and related death rates everywhere

17.3: Mobilize additional financial resources for developing countries from multiple sources


Moving your money can feel like a big task so the best approach is to break it down into manageable chunks.

Unless you’re already a finance whizz, the first step is probably to educate yourself a bit about what you’re currently investing in and who you're banking with, and what you’d like to move to. There’s loads of help and inspiration available online - check out Good with Money and the Ethical Consumer.

If you want more personalised investment advice, we'd recommend dropping the good folk at EQ Investors a line.

We’ve listed a few of the main opportunities for moving your money below...

Change your bank

Check you’re happy with your bank’s ethical performance by doing a bit of investigation. You could ask them about their responsible banking policy, or find out how they rank in independent research.

The highest ranking ethical banks currently include: Triodos Bank UK, Nationwide Building Society (and most other building societies), Co-op and Monzo.

Check your pension

Check who your pension is with, and what funds they have on offer. Many have ‘green’ or ‘ethical’ funds available, but your pension probably won’t be in them by default. And then dig a bit deeper to see if you’re happy with what they can offer - when it comes to it, there are many shades of green - and then make the switch.

Here are a few alternatives to get you started: Royal London Exchange, Aviva, Nutmeg and Nest.

Invest your savings

If you have money you’d like to invest ethically outside of a pension, there are lots of opportunities to make sure your money is working for the greater good.

Obviously, we can’t give financial advice… but we can recommend EQ Investors as great financial planners and investment managers who really know their stuff when it comes to investing for a positive impact.

Triodos also offer Impact Investment Funds that invest in a range of stock market listed companies that have a positive impact on society and the environment.

If you want to go it alone (or already have an advisor you’re happy with), then check out Triodos Crowdfunding, Abundance, and Ethex for ethical investment opportunities.