everything you actually want to know.

inaam is a multi class, multi asset unit trustThink of it as a big shared piggy bank. Everyone puts money in, and together it is invested across lots of different things rather than one. That is what multi asset means. fund. The fund is a registered managed investment schemeA group project for money. A professional manager picks the investments for everyone in the group, so you do not have to do it alone.: the inaam Impact Investments Fund, ARSN 691 614 132. It is divided into seven buckets, each one focused on a theme like renewable energy or recycling, and when you join, your own mix is built from five of them, ranked by you. The mechanics are set out in how it works.

A curated mix of global listed companiesCompanies whose shares you can buy and sell on the stock market. They are listed because they sit on a public exchange. that are publicly tradedAnyone can buy or sell shares in these companies through the stock market. It is not a secret club. on major exchanges. They are chosen for strong financial fundamentalsAre they making money, are they stable, and can they keep going? The same check you would do on a restaurant before buying into it., like profitability and resilience, for a record of creating meaningful social or environmental impact, and for how they line up with your values. We are not a trading app and we are not chasing fads. The financial screen is applied before the impact one, so the aim is impact without giving up your returns. This is long-term investing with purpose.

Your return comes from growth in your investment unitsWhen you put money in you get units, like slices of a pizza. If the pizza gets more valuable, each slice is worth more. That is your return. and from the dividendsSome companies share their profits with investors. A payment just for owning a piece of the company. paid by the companies in the portfolio. You can track the financial side and the real-world impact side by side in the app. Every investment carries risk, the value can fall as well as rise, and you may get back less than you put in.

An overview of your investment in the fund based on your values, performance tracking, impact metrics, goal-setting tools, and the Learning Lab. You can invest monthly and pause any time.

Yes. inaam is a Corporate Authorised Representativeinaam has permission from a larger licensed company to offer financial products, the way a franchise operates under someone else’s licence. (CAR No. 1318254) of Non Correlated Advisors Pty Ltd (AFSLAustralian Financial Services Licence. The government’s way of saying this company is allowed to handle your money. Without one, it cannot legally operate. 430126). inaam manages the fund under an agreement with Primary Securities Ltd (AFSL 224107), the responsible entity of the fund.

$10 a month, including GST, which is $120 a year. That covers the portfolio curationWe pick the companies, based on research, so you do not have to work out which shares to buy. We do the homework., the app, the impact tracking and the Learning Lab. It does not move with how much you have invested. The subscription is separate from the money you invest: the minimum to invest in the fund is $100. There is a buy-sell spreadA small charge, 0.1%, when you put money in and when you take it out. It is how the fund covers its transaction costs. of 0.1% when you invest and when you leave, and brokerage is paid by the fund, not by you. The full detail is in the PDS.

No. Everything we provide is general information onlyWe can tell you about investing in general. We cannot tell you what to do with your money. For that you need an adviser who knows your full situation.. inaam does not know your full personal financial situation, so we cannot give you personal financial advice. If you are unsure, speak to a licensed financial adviser before making a big decision.

Five: health and wellbeing, renewable energy, waste and recycling, sustainable agriculture, and sustainable consumption. You rank them yourself in the app, member weights are pooled, and the fund follows them. Each one has its own page under investment areas.

Once profitable, we commit to reinvesting up to 50% of our own profits into youth employment, climate solutions, and community projects led by underrepresented Australians.

Arjun Agarwal, who has worked across Investec, KPMG and blockchain finance. inaam started as the final deliverable of his masters at the University of Melbourne and became the mission of a career. He built the fund he would invest in himself, and that is still the test every decision gets put through. The whole story is on about inaam.

In the app, on iOS and Android. There is no web sign-up. Individuals can invest, and SMSFs and family trusts are welcome.

The inaam subscription is $10 a month, including GST, which is $120 a year. It is flat: it does not move with your balance, so it is the same ten dollars whether you hold $500 or $50,000. It covers the research and portfolio curation, the app, the impact tracking and the Learning Lab. It does not include the money you invest, which is a separate $100 minimum into the fund, and it is not a share of what you hold. The full fee table is section 7 of the PDS.

They are two numbers doing two different jobs, and they get confused all the time. The $10 a month subscription is what you pay inaam for the app, the research and the curation. It is spent once you have paid it, like any subscription. The $100 is the minimum you put into the fund itself, and it is not a fee at all: it buys units, it stays your money, and its value rises and falls with the fund. Additional investments are also a minimum of $100. If a comparison anywhere shows inaam with a $10 minimum investment, it has merged the two numbers.

The two costs you pay directly are the subscription and the buy-sell spread of 0.1%, which applies when money goes into the fund and again when it comes out, and which is retained in the fund to cover its transaction costs rather than paid to anyone as a fee. There is no establishment fee, no contribution fee, no withdrawal fee and no exit fee. The fund itself bears brokerage and transaction costs as it trades. The responsible entity and administrator fees are paid by inaam rather than deducted from your balance. There is a performance fee of 20% of the amount by which the fund beats its benchmark, subject to a high water mark, and it only applies once the fund holds more than $10 million. Every one of those is set out in section 7 of the PDS, and ASIC’s Moneysmart has a managed funds fee calculator if you want to check the total at your own balance.

Micro-investing apps are built around round-ups and spare change flowing into a small set of ready-made portfolios, usually with one ethical option among them. inaam is a different shape. It is a registered managed investment scheme with seven impact classes, you rank the five themes your money is aimed at, every company the fund holds is published by name, and the subscription is a flat $10 a month rather than a share of your balance. The minimum into the fund is $100. If what you want is your spare change invested without thinking about it, a round-up app does that better than we do. The side by side, category by category, is on how inaam compares.

An ethical ETF is a single listed fund you buy yourself through a broker, screened against a published index rule, and you hold and rebalance it yourself. Ethical super is your retirement money, invested by a super fund you choose, and it is preserved until you reach retirement age with only limited exceptions (ASIC’s Moneysmart sets out how super works). inaam is neither. It is a managed fund you reach through an app, outside super, where companies are actively picked against three published pillars rather than filtered by an index rule, and where the five impact themes are ranked by you. Super and inaam are not alternatives to each other: super is compulsory retirement money and inaam sits outside it, so having one does not rule out the other.

Yes to both, with one caveat worth reading. You can invest monthly and pause the investing any time in the app. Withdrawals can be requested daily through the platform: a request received before 2pm Australian Eastern Standard Time is processed at that day’s unit price, there is no withdrawal fee and no exit fee, and the 0.1% buy-sell spread applies on the way out. The caveat is the one the fund’s own target market determination makes: this is built for people who can leave the money alone for three to seven years, and it has not been designed for anyone who needs their capital at short notice. The responsible entity can also delay redemptions if the fund becomes illiquid or if paying one investor out would disadvantage the rest. Both points are in section 2 of the PDS.

inaam operates inside the Australian financial services regime, which ASIC administers. The inaam Impact Investments Fund is a registered managed investment scheme, ARSN 691 614 132. Primary Securities Ltd (AFSL 224107) is the responsible entity, which means Primary issues the PDS and carries the legal responsibility for the fund. inaam is the investment manager, appointed by the responsible entity under an investment management agreement, and inaam itself operates as a corporate authorised representative (CAR No. 1318254) of Non Correlated Advisors Pty Ltd, AFSL 430126. All three names, and all three numbers, are at the foot of every page on this site so you can check each one on ASIC’s registers before you invest.

inaam does not hold your money, and that separation is the point of the structure. The fund is its own registered managed investment scheme with an independent responsible entity, Primary Securities Ltd, whose legal duty is to protect the assets of the fund and the interests of investors, and an independent custodian, Interactive Brokers Australia Pty Ltd, holds the fund’s assets. If inaam stopped being the investment manager, the investment management agreement would end and the responsible entity would still be responsible for the fund and for your units. Winding up the fund, or one class of it, takes a special resolution of investors and follows the process in the fund’s constitution. None of that removes investment risk: the value of your units can fall, and you can get back less than you put in.

The fund invests globally, on exchanges including Australia, the United States, the United Kingdom, Hong Kong and Japan, but the offer itself is Australian. The PDS is an Australian offer document, the fund is an Australian registered managed investment scheme, and the terms of use are governed by the law of Victoria. If you are outside Australia and want to know whether you can invest, email hello@inaam.me before you start rather than finding out at the identity check.

Yes. Self-managed super funds and family trusts are welcome, and the numbers do not change for them: the subscription is $10 a month and the minimum into the fund is $100. The fund is offered to retail clients for whom it is suitable, and the target market determination sets out who it has and has not been designed for, which is two minutes well spent before you commit an entity’s money. The entity’s details are verified when the account is opened. If you want a hand with that, email hello@inaam.me.

The fund is open to retail clients for whom it is suitable, as described in the target market determination. You invest in your own name and your identity is verified when the account is opened, so you need identification of your own. SMSFs and family trusts are welcome, and a trust is the usual structure for investing on behalf of someone else. If you want to invest for a child, email hello@inaam.me first, because it is not something the app sets up on its own.

You customise them yourself. The fund runs seven impact classes, one for each impact category it invests in, and when you join you rank the themes you care about most in the app. Your money is then allocated across five of those seven classes, following the priorities you set, and section 2 of the PDS sets out exactly how that allocation is made. Member weights are pooled, and the fund follows them, so where members point their themes is where the book goes. Withdrawals come out evenly across the classes you hold. The five themes are health and wellbeing, renewable energy, waste and recycling, sustainable agriculture and sustainable consumption, and each has its own page under investment areas.

Every position, by name. When the broker’s book was last read, on 5 October 2026, the fund held 23 companies across its seven classes. The whole list is shown to members in the app, live, and the ten with the highest scores are on how it works. The app shows every holding with what each company does and why it is held. Holdings change, so any list on a web page is a snapshot of one day rather than an offer or a recommendation.

Applications are processed daily. An application received before 2pm Australian Eastern Standard Time is priced at that day’s unit price, and anything after that goes to the next day. Units are issued once your onboarding is complete and the money has arrived. After that you can see your holdings daily in the app, a statement is issued every month, and a tax statement once a year. Distributions of income and gains are annual and automatically reinvested, so there are no cash payouts along the way. Section 2 of the PDS covers all of it.

Ethical investing usually means screening: a fund decides what it will not own, filters those companies out, and invests in whatever is left. Impact investing asks the other half of the question, which is what the money is actively doing, so companies are chosen for the good they do and that good is then measured. inaam does the second. Every company is assessed against three published pillars, financial robustness, purposeful impact and leadership calibre, and the impact is tracked against five themes you rank yourself. The method is written out on how it works, so you can take any holding and put it back through the screen yourself.