invest with impact  ·  workshop

talk about money.
learn how it grows.
make it count.

A financial and investment literacy workshop, run with student entrepreneurship clubs and led by Arj, founder and CEO of inaam

how money works

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how investing works

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investing with impact

who’s talking

why do i think i can do this?

Arjun Agarwal, founder and CEO of inaam, runs this workshop. Big brands, so what? Here are the numbers.

$2Bn+

deals closed

$30M

raised

$300K

funds managed

1,000+

young people mentored

10,000+

size of crowds spoken to

10+

countries with networks

25+

best speaker awards and certifications

Figures as presented at the workshop, February 2026.

financial literacy

what is financial literacy?

It starts with asking the right questions. Three to sit with before anything else.

question one

What is your biggest money question?

The one you have never quite asked out loud. That is usually the useful one.

question two

What is your greatest money challenge?

Earning it, keeping it, growing it, or talking about it.

question three

What is your relationship with money?

How money makes you feel is where your money mindset starts.

what we coverMoney and economics, money mindsets, your budget, credit, saving and investing, impact investing, the inaam approach, and tax.

economics

money is a commodity

Decoding money takes a little economics. Money is bought, sold and priced like anything else, so the same rules apply to it.

the basics

Supply and demand

When supply grows faster than demand, the price falls. When demand outruns supply, it rises.

how much is out there

Money supply

The amount of money circulating. The more of it there is, the less each dollar is worth.

who pulls the levers

Fiscal and monetary policy

Fiscal policy is government spending and tax. Monetary policy is the central bank setting interest rates and the money supply.

the result

Inflation

When money grows faster than the goods it buys, prices rise and each dollar buys less.

why it matters to youCash that sits still loses buying power to inflation over time. That is the starting point for saving and investing, which come later.

money mindsets

breaking the taboo around money

Your money mindset is your thoughts and beliefs towards money. If money makes you anxious, you are far from alone.

57%

of young Aussies experience financial anxiety

healthy

Sounds like

• It’s possible for me to achieve my money goals
• I don’t have to compare myself to others
• I have the freedom to spend, but I also know how and when to say no

unhealthy

Sounds like

• Looking at my finances is too stressful
• I’m just not good with money
• I really want to buy this, I’ll just worry about the money later

money mindsets

what’s your money story?

Your money story is the narrative you tell yourself about money. These questions help you unpack yours.

unpacking money stories

Seven questions to ask yourself

• How were finances handled in your family growing up?
• Do you believe money is good or bad?
• What would you consider to be a luxury purchase?
• Did certain people in your life influence your money story?
• Do you view money as a shared responsibility in a family?
• What’s your current financial situation? Are you happy with it?
• Do your money goals feel achievable?

talking about money

how to talk about money

Talking about money gets easier with a few ground rules. And in business, a few more.

do

Start the conversation

• Accept that you need to talk about money
• Understand your current situation: how much am I earning, how much am I spending, do I owe any money, do I need to save for something?
• Set goals and be accountable
• Speak in proportions, not absolutes
• Enquire in ranges
• Ask for help

don’t

Things to avoid

• Bombard someone with questions. Ask if they are comfortable first
• Ask someone how much they earn
• Compare salaries
• Try to become the next Warren Buffett. Become the next you
• Advise off a hunch
• Mix business and friendships, unless…

money in businessThe best deals are never advertised, you have to ask for them. The first offer on the table is never the best one. Speak in proportions and ranges, know your intended outcome before you go in, and always be polite.

budgeting

your personal budget and management plan

Balancing the figures starts with earning the dollars. A business keeps a balance sheet and a profit and loss statement. Your budget is the personal version: what comes in, and where it goes.

step one

Earning the dollars

Hourly rate$ ___

Normal daily hours7.5

Normal work days a week5

Normal weekly hours37.5

Total weekly pay$ ___

Tax rate (example)31%

Weekly tax$ ___

After-tax weekly pay$ ___

Monthly pay$ ___

step two

Where it goes each month

Money to keep aside$ ___

Rent$ ___

Wifi$ ___

Phone$ ___

Hot water$ ___

Electricity$ ___

Groceries$ ___

Student loan$ ___

Grooming$ ___

Other$ ___

Balance$ ___

credit

what is credit?

Put $100 in a bank and the bank keeps a slice in reserve and lends out the rest. That loan lands in someone else’s account and gets lent out again. Credit is how money multiplies through the system.

10%

reserve ratioThe slice the bank keeps back. A textbook figure that keeps the maths simple.

1 ÷ 10%

money multiplierOne divided by the reserve ratio. At 10%, that is a multiplier of 10.

$1,000

from $100What the first $100 can become across the whole banking system.

credit

credit scores and HECS

The questions that come up every time, with the short answers.

credit score

Questions and answers

• What is a credit score? An assessment of how you manage your credit.
• How do I build a good one? Get some credit and start small. Think a store card.
• What should I absolutely not do? Pay late, borrow excessively, or buy things you can’t currently afford.
• Credit cards, yay or nay? Yay, if used wisely.
• Why does a good score matter? It shapes what you can borrow as you grow, and it works the same way the world over.

HECS debt

Questions and answers

• What is it? The Higher Education Loan Program.
• When do I start repaying? Once your income passes $67,000 a year, the 2025-26 threshold.
• Do I pay interest? No interest. The balance is indexed each year, an inflation adjustment only.
• Can I pay it off early? Yes, with voluntary repayments.

and insuranceLife and health insurance are yours to choose. Medicare, WorkSafe and Fair Work are the safety nets for health care, injuries at work, and your pay.

saving vs investing

what’s the difference?

Saving parks money. Investing puts it to work. Compound interest is where the gap between them shows up.

investing

Money that works for you

• Using your money to make more money
• Growing the value and purchasing power of your money

saving

Money put away

• Putting money away without intent for it to grow
• A safety net, and a plan B

how to save

Simple vs compound interest

years	compoundA = P(1 + r/n)nt	simpleA = P(1 + rt)	the gap
1	$1,326	$1,320	$6
2	$1,464	$1,440	$24
5	$1,974	$1,800	$174
10	$3,248	$2,400	$848

Illustration only: $1,200 at a hypothetical 10% a year, compounded monthly, against the same $1,200 at 10% simple interest. Not a forecast, and not the return of any product.

investing

how to invest

Four styles you will hear about. They are not mutually exclusive, and plenty of portfolios mix them.

style one

Growth

Companies expected to grow faster than the market. You pay today for growth you expect later.

style two

Value

Companies priced below what their fundamentals suggest, held in the hope the market catches up.

style three

Passive

Track an index. Low cost and few decisions, and you accept the market’s return.

style four

Active

Pick, manage and rebalance holdings to try to beat the market. Higher cost, and no guarantee it works.

investing

diversification

Spread your money across different holdings and no single one can sink you. It helps up to a point, and then each extra holding adds less than the last.

investing

the five asset classes

Every investment sits in one of five buckets. A portfolio is the mix you choose across them.

01

Equity

Ownership of a business. Startup funding, stocks, ETFs, mutual funds.

02

Cash

Liquidity, and the power to use it. Savings accounts, liquid funds, cash itself.

03

Fixed income

Lending money to someone for a set period. Bonds, fixed and recurring deposits, debentures.

04

Commodities

Ownership of goods with an end use. Silver, gold, crude oil, copper.

05

Alternatives

Non-traditional strategies. Crypto, NFTs, collectibles and antiques.

super

super in 30 seconds

You already have an investment account. Your employer pays into it every time you are paid.

12%

of your salaryWhat your employer must contribute into a super fund for your retirement, from 1 July 2025.

60

preservation ageYou can generally access your super once you reach it.

15%

concessional taxContributions and earnings are taxed at 15%, lower than most people’s marginal rate.

Where it goes

Invested in a mix of shares, property, bonds and cash, growing over time. Fund types: industry (not-for-profit), retail (run by banks), SMSFs (self-managed) and public sector.

What separates funds

Fees, investment options, insurance and performance. The workshop looked at AustralianSuper, Future Super and Aware Super as examples, not recommendations.

impact investing

what is impact investing?

Investing in companies that aim to make money and a measurable, positive difference to people or the planet. Two impact categories define the inaam portfolio.

Category B

Businesses that benefit the planet or people through sustainable practices, environmental stewardship, or inclusive products.

Category C

Companies that contribute solutions to planetary or societal problems, such as renewable energy, decarbonisation and the circular economy.

every company is evaluated on five dimensions of impact

the inaam approach

the inaam impact framework

Three core foundations every company in the inaam portfolio is assessed on: financial strength, then impact, then leadership that can sustain both.

foundation 01

Financials

• Market cap of at least $500 million, an established market presence
• EBITDA above $100 million, so the business is profitable to run
• Revenue of at least $500 million a year
• Net profit margin between 5% and 10%, a balance of reinvestment and profit
• Publicly listed, for transparency, liquidity and regulatory compliance

foundation 02

Impact

• Category B: benefits the planet or people through how it operates
• Category C: contributes solutions to planetary or societal problems
• Scored on the five dimensions: what, who, how much, contribution and risk

foundation 03

Leadership

• Integrity and transparency: a public track record of ethical decision-making and governance
• Vision for impact: a genuine, strategic commitment to long-term value for society or the planet, not just shareholders
• Diversity and inclusion: boards and executive teams that reflect gender, ethnic and experiential diversity

the inaam approach

five impact themes

In the inaam app you choose what matters most to you from five themes. Your picks shape your portfolio.

01

Health & wellbeing

Building a world that protects our bodies, minds and environments from harmful threats and toxins.

02

Renewable energy

Harnessing natural forces like sun, wind and water to power the world without depleting the planet.

03

Waste & recycling

Turning yesterday’s trash into tomorrow’s resources through smart recovery, reuse and innovation.

04

Sustainable agriculture

Growing food and managing land in ways that nourish ecosystems, animals and future generations.

05

Sustainable consumption

Choosing and creating products that minimise harm, reduce waste and respect the planet’s limits.

the inaam approach

three questions. one curated impact portfolio.

Building a first portfolio shouldn’t need a finance degree. In the inaam app it takes three questions.

question 1

What matters most to you?

Pick from the five impact themes.

question 2

What impact do you want to make?

Narrow it down within each theme you picked.

question 3

What innovations inspire you?

The kinds of solutions you want your money behind.

your picks

Your curated investment picks

Based on your answers, the app shows the companies in the inaam fund that line up with your values.

$10

a month subscription, $120 a year

$100

minimum into the fund

app

sign up and invest in the inaam app

reading the numbers

understanding returns

A return figure needs three things beside it before it means anything: its period, whether it is yearly or cumulative, and whether it actually happened.

yearly or cumulative

Same money, two numbers

In the compounding example, 10% a year compounded monthly turns $1,200 into $3,248 over ten years. That is 171% cumulative. Check which one you are reading.

real or backtested

A backtest is a simulation

A backtest applies today’s rules to past prices. It shows what might have happened if those rules had been in place. Nobody earned that return, and it should always be labelled as one.

past and future

Always ask for the dates

A figure with no start and end date tells you very little. And past performance is not a reliable indicator of future performance.

fees

be careful with your money

Fees compound too. Before you pick a platform, add up everything you would pay on top of the headline price.

what to check

The costs that stack up

• Brokerage fees on every trade
• Percentage management fees on your balance
• Percentage FX conversion fees
• Withdrawal and deposit fees
• Account minimums
• A monthly platform fee on top of all of these

at inaam

One subscription, the whole of inaam

• $10 a month subscription, $120 a year
• $100 minimum into the fund
• Sign up and invest in the inaam app
• The PDS sets out the fund’s full fees and costs. Read it before you invest

tax

tax, the basics

Three questions, then the three things people mix up.

the basics

What is tax?

A compulsory contribution to government, charged on what you earn, what you spend and some of what you own.

who runs it

Who is the ATO?

The Australian Taxation Office. It runs the tax system and collects what is owed.

what it pays for

Why do we need tax?

Roads, hospitals, schools, welfare and the rest of what keeps the country running.

tax

how is tax derived?

The back of the envelope version. Your tax return has more boxes, but the structure is the same.

keep learning

where to keep learning

Four terms you will hear constantly, then the books and websites from the workshop.

five books

Read these

1. Warren Buffett and the Interpretation of Financial Statements, Mary Buffett and David Clark
2. The Dhandho Investor, Mohnish Pabrai
3. Principles, Ray Dalio
4. The Barefoot Investor, Scott Pape
5. The Ascent of Money, Niall Ferguson

five websites

Bookmark these

1. Investopedia, for everything
2. Bloomberg News, subscribe to the newsletter
3. Flux Finance, the Flux app
4. The Holy Grail of Investing, Ray Dalio
5. Corporate Finance Institute

invest with impact  ·  workshop

questions?
money is the least
of your problems.

Arjun “Arj” Agarwal· Founder & CEO  ·  arj@inaam.me  ·  inaam.me

We acknowledge the Traditional custodians of the lands of the Wurundjeri and Boon Wurrung People of the Kulin Nation. We pay our respects to the Elders past, present, and emerging. Sovereignty has never been ceded. It always was and always will be Aboriginal land.

inaam Impact Investments Pty Ltd ABN 39 653 593 018 (inaam). inaam is a Corporate Authorised Representative (CAR No. 1318254) of Non Correlated Advisors Pty Ltd (ABN 61 158 314 982, AFSL 430126). Primary Securities Ltd (ABN 96 089 812 635, AFSL 224107) is the Responsible Entity of the inaam Impact Investments Fund (ARSN 691 614 132). This workshop is general information only, not financial advice. It does not take into account your objectives, financial situation or needs, so consider whether it is appropriate for you. Consider the Product Disclosure Statement (PDS) and Target Market Determination (TMD), available at inaam.me, before making any decision. The Fund is not a bank deposit and all investments carry risk, including the loss of some or all of your capital. Past performance is not a reliable indicator of future performance. Worked examples in this deck are illustrations, not forecasts.