Your retirement money has power. Through it, you own slices of thousands of companies, and some release far more carbon than others. You can use that power to do less harm to the climate. See what your money funds today and how a few swaps could shrink it.
This is a pre-release prototype of the Investature Employee Tool, shared with you for evaluation and feedback only. Please do not share access, screenshots, or contents with anyone else without Investature's written consent.
This tool is a research prototype. Nothing in it is investment advice or a recommendation to buy, sell, or hold any security. Figures are estimates built from third-party and public data and may be incomplete or out of date. Consult a qualified adviser before making any investment decision.
Your interactions and feedback notes in this prototype are recorded to Investature's research log, associated with the email you enter below, and used only to improve the product. At the end of this experience, we'll ask you a few quick questions — your feedback shapes what we build next.
Step 1 · About youStep 1 · About your plan
This sets up the whole walkthrough — language, emphasis, and the report at the end. It locks in when you continue to the next step; to switch later, start a fresh walkthrough.
Locked for this walkthrough — your steps, comparisons, and report are all built for this audience.
Seven short steps: who you are, your funds, your carbon, your options, what it would have meant, your plan, and how it was. Nothing here is investment advice.
Plan view: this walkthrough frames your defined-contribution plan's lineup as Scope 3, Category 15 financed emissions of your corporate footprint — the number your disclosure, net-zero, and engagement work all need. Nothing here is investment advice, and nothing here places trades: the output is material for your investment committee.
Three quick answers shape the order of what you see. The defaults are fine.
Three quick answers shape the emphasis and the report framing — nothing is stored anywhere. In a hurry? The defaults are fine; skip straight to the lineup.
Roughly when you plan to retire, or otherwise draw on this portfolio.
There's no wrong answer — this only affects how we frame comparisons.
This decides what you see first: your financial picture, your carbon picture, or both together.
This sets who the report speaks for — it doesn't change any number.
Used only to express the footprint per participant — a number employees can picture.
This decides what leads: the disclosure-grade number, or the story employees will hear.
Two-minute FinWell reads picked from your answers — learn as you go, act when ready.
Step 2 · Choose your fundsStep 2 · Your plan lineup
Viewing as a plan sponsor: add the funds in your plan's lineup and enter approximate plan-level allocations. Totals represent the financed emissions of your defined-contribution plan — Scope 3, Category 15 of your corporate footprint. Nothing here is investment advice.
Not sure what you hold? Use the typical mix. Otherwise, search by the type of investment (“target date”, “large blend”, “bond”), pick the funds that match what you hold, and enter roughly how much you have invested. Estimates are fine. If you'd like the fuller picture, you can also add other personal holdings — a brokerage account or an IRA — but that part is optional.
Search by the type of investment in your plan's lineup — “target date”, “large blend”, “bond” — add each fund, and enter roughly how much of the plan's assets sit in each. Estimates are fine.
Export a holdings or positions CSV from your custodian — Fidelity, Schwab, and Vanguard all offer one — then drop the file here or paste the rows. We look for a fund ticker and a dollar amount on each line; anything we can't match, you can add with the search above. Like everything on this page, the file is read right here and never uploaded anywhere.
Step 3 · Your carbonStep 3 · The plan's footprint
Through these funds, you own slices of companies. That makes you responsible for a slice of the carbon they emit, which warms the planet. With what you entered, your slice of that carbon comes to:
The plan's financed emissions — Scope 3, Category 15 — from Investature's whole-fund estimates, with each lineup fund benchmarked against its Morningstar category. This is the number your inventory, your commitment tracking, and your employee story all start from.
Worried that lower carbon means lower returns? See the data
Step 4 · Compare your optionsStep 4 · A menu for your committee
For each fund you hold, here are lower-carbon funds of the same kind. Click a card to use it, or keep what you have.
You don't pick the funds — the plan's fiduciaries do. For each lineup fund, here are lower-carbon funds in the same Morningstar category your committee could evaluate. Add the ones worth discussing to your agenda; this builds the scenario behind the committee report, not a trade list.
Not sure how to read these cards? How to read a fund · Skeptical of green labels? Green label ≠ green fund
Expecting pushback on returns? The performance question → · Ready to raise it? Running the committee conversation →
Every fund in the same category is a dot: return across, carbon up (lower is better). The dashed edge joins the funds no other fund beats on both. Tap a dot to see it and pull it into the comparison.
Step 5 · See what would have happenedStep 5 · What the plan would have financed
A simple look back: your portfolio as it is, versus your portfolio with the alternatives you chose in Step 4, held steadily over the last 12 months. Two answers, no jargon: what it would have done to your money (using real fund prices) and to your carbon.
The evidence page for your committee conversation: the plan as it stands, versus the plan with the agenda options from Step 4, held steadily over the last 12 months. Two answers — what it would have meant for plan value (real fund prices) and for the plan's financed emissions.
Ready when you are. This look-back uses real fund prices and each fund's latest measured footprint. Past performance does not predict future returns, holding funds involves market risk, and carbon data is a snapshot — fund holdings change over time. The plan that follows rests on modeled estimates, not guarantees; Investature is not your investment adviser, so weigh any change against your full financial picture.
Step 6 · Your planStep 6 · Target, report & the committee ask
What you chose, what it saves, and what to do next. Take it with you, and set a target below if you want one.
Set a reduction target for the plan's financed emissions, see the trajectory, and take away the committee-ready review plus a draft note to open the conversation with the plan's fiduciaries.
One note first: the projection is a modeled estimate, not a guarantee, produced by Investature's extrapolate-allocation methodology. Investature is not your investment adviser; consider your full financial picture, and consult a professional before making changes.
One note first: the numbers in your plan are modeled estimates, not guarantees. Investature is not your investment adviser. Consider your full financial picture, and consult a professional before making changes.
Forward carbon trajectory from Investature's proprietary extrapolate-allocation step — modeled, clearly not guaranteed. The “do nothing” line holds your current mix; the goal path applies the alternatives you selected, then a straight glidepath to your target.
Need a version for your financial adviser? Show the adviser-ready report
A look at the recurring digest, event alerts, and annual year-in-review we're building, filled in with your numbers. Like a utility bill for your money's carbon: even if you change nothing, you'll see what a different mix would have meant.
Your retirement plan is one room in the house. Where does the rest of your money sleep at night?
Step 7 · How was it?
Three quick questions. Your answers go straight to the build list.