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inaam vs australian ethical.

Australian Ethical is a fund manager with screened managed funds and super. inaam is one impact fund reached through an app. Here is how they differ, in each provider’s own numbers.

get the app the full side by side

Sign-up happens in the app. The subscription is $10 a month, $120 a year. The minimum to invest in the fund is $100.

a magnifying glass held over a fund report

asked and answered

the short answer

Australian Ethical is an ethical fund manager. It runs screened managed funds and super. Its retail managed funds start at $1,000, or $500 on a regular investment plan, and charge a management fee as a share of your balance: 1.39% to 1.69% a year on the retail funds that minimum opens, plus transaction costs and a buy/sell spread. Its wholesale class costs less and starts at $25,000.

inaam is an impact investing app built on one registered fund. You customise five impact themes, the fund picks companies against three published pillars, and every company it holds is named in the app. The subscription is $10 a month whatever your balance, and the minimum to invest in the fund is $100.

The difference in shape is the main thing. Australian Ethical is a manager with a range of funds and a fee that moves with your balance. inaam is one fund with a flat subscription, where members customise the themes and read every company in the app.

side by side

inaam and australian ethical, line by line

Every figure is the provider’s own published number, read on 6 October 2026, and each one links to the page it came from.

	inaam	australian ethical
what it is	impact investing app	ethical fund manager
minimum to start	$100into the fund. The subscription is a separate number.	$1,000$500 on a regular investment plan, per its published fee schedule
what you pay	$10 a monthflat. $120 a year, whatever your balance.	1.39% to 1.69% p.a.on the retail funds its $1,000 minimum opens: 1.60% on its Balanced Fund, 1.69% on its Australian Shares Fund, plus transaction costs and a buy/sell spread. Its wholesale class costs less and starts at $25,000. Per its published fund pages
the fee stays the same as you grow	yes. always. Ten dollars does not move.	no. a share of your balance
you choose what your money backs	yes. you rank the five impact themes, and the money follows	no. you pick a fund
picked for impact, or only screened	yes. actively picked against three published pillars	partly. avoids harmful sectors, with some positive picks
every company you own, by name	yes. in the app, any time. 23 of them today.	yes. full holdings published

Every figure about Australian Ethical is its own published number, read on 6 October 2026 from Australian Ethical’s fees and costs page. Product terms change, and each provider’s current PDS or product page is the authority on its own product. inaam is not affiliated with any provider named here, and nothing on this page is a recommendation about anyone else’s product. Returns are left off this page. The full side by side carries them, with the period each one covers.

in plain words

where the two differ

a range of funds, or one fund

With Australian Ethical you pick a fund from its range. With inaam there is one fund, and you customise which of the five impact themes your money leans toward.

a share of your balance, or a flat amount

Australian Ethical’s retail funds charge 1.39% to 1.69% a year, so the dollar amount grows as the balance does. inaam stays at $10 a month. On a small balance a flat amount is a large share of it, and the fee calculator shows the maths at your balance.

how each one chooses companies

Australian Ethical avoids harmful sectors and makes some positive picks. inaam picks every company against three published pillars: financial robustness, purposeful impact and leadership calibre.

history, and super

Managers like Australian Ethical carry decades of history and a large research bench, and Australian Ethical offers super. We have neither. inaam sits outside super, and its fund is new.

before you pick

who each one suits

ethical fund manager

who australian ethical suits

Australian Ethical suits someone who wants ethical super, or a screened managed fund from a long-established manager, and is starting with $1,000 or adding to a regular plan.

five coloured bars, one for each impact theme

impact investing app

who inaam suits

inaam suits someone who wants the picking done for them, wants to read what they own, wants to say which themes the money is aimed at, and is investing for three to seven years. The fund’s target market determination says it has not been designed for anyone who needs access to their capital at short notice, or who is risk-averse and not in a position to tolerate a capital loss.

inaam vs australian ethical, quick answers.

is inaam or australian ethical cheaper?

It depends on your balance. Australian Ethical’s retail managed funds charge 1.39% to 1.69% a year, plus transaction costs and a buy/sell spread. inaam charges $10 a month whatever your balance, plus a buy-sell spread of 0.1% when you invest and when you leave. A percentage costs less in dollars on a small balance and more on a large one. Work out the yearly total at your own balance from each provider’s current documents.

what is the minimum for australian ethical and for inaam?

Australian Ethical publishes a $1,000 minimum for its retail managed funds, or $500 on a regular investment plan. The minimum to invest in the inaam fund is $100, and the $10 a month subscription is a separate amount.

does inaam offer ethical super like australian ethical?

inaam is not a super fund. It is a managed fund that sits outside super, and SMSFs and family trusts can invest in it. If you want an ethical option inside super, that is a decision about your super fund, and it is separate from investing outside super.

can i hold australian ethical and inaam at the same time?

Yes. They are separate products from separate providers, and holding one does not affect the other. Whether either suits you depends on your own circumstances.

where to next

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General information only. It does not take your objectives or circumstances into account. Consider the PDS and TMD, and we recommend independent advice, before investing.

read the method before you pick.

The screen, the holdings and the costs are all published. Read them, ask anyone else the same questions, then decide.

see how it works get the app

the only asterisk* of investing with inaam is a better planet.

The fund lives in the app. Download it, read it over a coffee, customise your themes.

download on theapp store get it ongoogle play

General information only. Consider the PDS and TMD before investing.