impact investing
how to pick an impact investing app in australia, in your 40s and 50s.
Your super is already working. The question is what the rest of your money backs, and whether you can read what you own. Here is what to check before you choose, and how inaam answers each one.
A product comparison guide. Updated October 2026. About an eight minute read.
ethical investing outside super
By your 40s and 50s most of your long-term money sits in super, and plenty of super funds now offer an ethical or sustainable option. That option is worth checking. But super is locked away until your preservation ageThe age from which you can generally reach your super, once you retire. For anyone born after 30 June 1964 it is 60., and it is only one account. Ethical investing outside super is about the money you can still reach and still direct: savings, a bonus, an inheritance, or a family trust.
Impact investing asks more of that money than ethical screening does. A screened fund passes by avoiding the worst companies. An impact fund has to be built to back better ones, and to show which ones. In Australia both sit under ASICThe Australian Securities and Investments Commission. The government body that regulates financial services here., usually as managed investment schemesA fund where your money is pooled with other investors and run to a set strategy. You hold units in the fund. or exchange traded funds. The label on the front tells you very little. The documents behind it tell you everything.
the criteria
what to check before you pick one
Five things matter more once there is a real balance involved.
1it is properly regulated
Anyone managing your money in Australia should hold an AFSLAustralian Financial Services Licence. A company needs one to deal in financial products or give advice. or be a corporate authorised representative of a licence holder. The fund should have a responsible entityThe company legally responsible for running a registered fund, and for making sure it follows its own rules., a PDSProduct Disclosure Statement. What you are investing in, what it costs, and what can go wrong. and a TMDTarget Market Determination. Who the product is designed for, in writing. you can read before you put anything in.
2you can see what you own
With a larger balance, "invested in renewables" is not enough. Can you read the companies by name, and the reason each one is held?
3the fee on a real balance
A percentage fee grows with your balance. A flat fee does not. On a balance of tens of thousands, the difference is worth working out in dollars, not percentages.
4it fits beside your super
Does it sit outside super, can your SMSF or family trust hold it, and what are the terms for getting money back out?
5the time frame matches yours
Read the TMD. It says how long the product is designed to be held and who it is not for. If you need the money at short notice, that matters more than the theme.
side by side
how inaam answers each one
Our answer in one column. The question worth asking anyone else in the other.
| inaam | what to ask any other app | |
|---|---|---|
| who regulates it | ASICThe Australian Securities and Investments Commission. The government body that regulates financial services here. regulated.The inaam Impact Investments Fund, ARSNAustralian Registered Scheme Number. The registration number a managed investment scheme gets from ASIC. 691 614 132, with Primary Securities Ltd as responsible entity. inaam is a corporate authorised representative (CAR No. 1318254) of Non Correlated Advisors, AFSL 430126. | Who holds the licence?Who is the responsible entity, and where do the PDS and TMD live? |
| what you can see | Every company, by name.In the app, with the reason each one is held. | The whole list, or a theme? |
| what it costs | $10 a month, flat.$120 a year, whether the balance is $5,000 or $150,000. | Flat, or a share of your balance?What is it in dollars at your balance? |
| SMSFs and family trusts | Welcome.An SMSFSelf-managed super fund. A super fund you run yourself, with up to six members, and its own investment strategy. or a family trust can invest, as well as individuals. | Individuals only?Can a trust or an SMSF hold it? |
| inside or outside super | Outside super.It sits beside your super, not instead of it. | Is this super or not?What happens to access and tax? |
| getting money back out | On request.Subject to the fund’s withdrawal terms, set out in the PDS. | How, and how fast?Is there a lock-in or an exit fee? |
| how impact is judged | A published three pillar method.Financial robustness, purposeful impact, leadership calibre. | Is the method written down?And does it name companies? |
| minimum to start | $100 into the fund.The subscription is a separate thing from the money you invest. | One number or two? |
Check it yourself. Fees and product terms change. Read the current PDS for any platform before you decide, ours included. The detail above was accurate in October 2026.
pricing
ten dollars a month. that's the fee.
The subscription is $10 a month, flat. That is $120 a year whether your balance is $5,000 or $200,000. A percentage fee takes a larger dollar amount every year your balance grows. Ten dollars doesn't.
A buy-sell spread of 0.1% applies when you enter or exit the fund. It stays in the fund to cover transaction costs.
Illustrative only. The 1.5% comparison is fund, platform and advice combined: ASIC Moneysmart, June 2026, the low end of REP 702's 1.45% to 2.3% range. Typical published ranges, not a quote from any named provider. The fund carries its own costs, set out in the PDS. The $10 subscription is separate from your investment. The minimum to invest in the fund is $100.
at $120 a year, the flat subscription works out to
10.0% of that balance each year, building the habit
of that balance, every year. The percentage falls as the balance grows.
after one year of contributions, about $1,200
Once you reach an $8,000 balance, our flat fee is the best value we offer. Add whenever you want and that value comes sooner.
Their 1.5% is fund, platform and advice combined. ASIC Moneysmart, June 2026, the low end of REP 702's 1.45% to 2.3% range. Comparison figures are typical published ranges, not a quote from any named provider. The fund carries its own costs, set out in the PDS. Nothing in this chart is a statement about returns.
The subscription is $120 a year whatever the balance. On a small balance that is a large share, and the calculator above says so. On a balance of tens of thousands the share falls a long way: past about $8,000 the flat $120 sits below the typical 1.5% all-in cost of fund, platform and advice, and the gap widens as the balance grows.
The 1.5% comparison is fund, platform and advice combined: ASIC Moneysmart, June 2026, the low end of REP 702’s 1.45% to 2.3% range. Typical published ranges, not a quote from any named provider. The fund carries its own costs, set out in the PDS.
further along
why it can suit money you already have
Built so you can read what you own, and decide where it goes.
a fee that does not grow
$10 a month, $120 a year. It does not rise with your balance, so a larger balance is not charged more for the same thing.
you customise your themes
You rank the five themes in the app. Member weights are pooled, and they shape how the fund leans across health and wellbeing, renewable energy, waste and recycling, sustainable agriculture and sustainable consumption.
the five themesa portfolio you can read
Every company is chosen against the same three pillars, and members can read each one, by name, in the app.
how companies get ina proper financial product
A registered managed investment scheme, ARSN 691 614 132, with Primary Securities Ltd as responsible entity, money held in trust and an independent custodian.
the asterisk project*questions people ask at this stage.
is it too late to start ethical investing in my 50s?
That depends on your goals, your time frame and the rest of your finances, which is why it is a question for a licensed adviser rather than a web page. What we can say is that the inaam fund’s TMD describes a holding period of three to seven years, and says it is not designed for anyone who needs their money at short notice.
can my SMSF or family trust invest in inaam?
Yes. SMSFs and family trusts are welcome, as well as individuals. An SMSF must invest in line with its own investment strategy, so check that first.
how is this different from the ethical option in my super?
Super is preserved until you retire at or after your preservation age, with limited exceptions. inaam sits outside super, and you can request money back subject to the fund’s withdrawal terms. They are separate decisions, and doing one does not rule out the other.
what does it cost on a larger balance?
The subscription is $10 a month, or $120 a year, whatever the balance. The fund also carries its own costs, which the PDS sets out in full, including a small buy-sell spread when you invest and when you withdraw.
who regulates it?
The inaam Impact Investments Fund is a registered managed investment scheme, ARSN 691 614 132. Primary Securities Ltd is the responsible entity. inaam is a corporate authorised representative (CAR No. 1318254) of Non Correlated Advisors, AFSL 430126.
where do I sign up?
In the app. Download it on iOS or Android and follow the steps. There is no web sign-up.
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. Comparisons on this page are for general education. inaam is not affiliated with any other platform, and nothing here is a recommendation about anyone else’s product.
keep reading
read it before you decide.
The method, the costs and the fund documents are all published. The aim is impact without sacrificing your returns, and everything you need to judge that is written down. Read it first, then decide.
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.
General information only. Consider the PDS and TMD before investing.
