impact investing
how to pick an impact investing app in australia, for women.
Most Australians planning to start investing this year are women, the share market’s own survey found in 2026. Here is what to check before you choose an app, and how inaam answers each one.
A product comparison guide. Updated October 2026. About a seven minute read.
what the numbers say
The ASX Australian Investor Study 2026 asked 4,495 Australians how they invest. Of the people planning to start in the next 12 months, 61% were women, the first time in the study’s forty years that women have clearly led. ASX puts it at about 580,000 women.
What they said holds them back is knowledge, with market worries near the bottom of the list. 40% of women planning to start were not confident in their investment knowledge, against 26% of men, and 36% did not know which product to start with, against 20%. They also put the amount needed to start at $520. Those are questions of information, and an app should answer them before it asks for money.
the criteria
what to check before you pick one
Five things matter for a first investment.
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. Moneysmart’s check before you invest shows how to look a licence up on ASIC’s registers.
2you can see what you own
Not knowing which product to start with is easier to fix when you can read what a product holds, company by company.
3the fee, in dollars, at your balance
A flat fee weighs more on a small balance, and a percentage fee grows as the balance does. Work both out at the amount you will actually hold.
4you can start small and add
A regular amount you can set once, pause when the month is tight, and restart without a phone call.
5you know how to get money out
How withdrawals work, how long they take, and whether there is an exit fee.
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. Each is set out, with how to check it, on trust and licensing. | 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? |
| minimum to start | $100 into the fund.As a lump sum or a monthly amount. The subscription is a separate thing. | One number or two? |
| what it costs | $10 a month, flat.$120 a year, whatever the balance, plus the fund costs set out in the PDS. | Flat, or a share of your balance?What is it in dollars at your balance? |
| getting money out | On request.Usually 2 to 5 business days after the completed form is in, on the terms 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? |
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.
ASX found 78% of women who invest prefer guaranteed or stable returns, against 68% of men. That suits money with a near date, and a term deposit is built for it. The inaam fund holds listed shares, so its value rises and falls with them, and its TMD describes a holding period of three to seven years. It suits money you can leave for that long.
starting out
why it can suit a first investment
Built so you can read what you own, and decide where it goes.
start at $100
The minimum to invest in the fund is $100, as a lump sum or a monthly amount you can pause.
you customise your themes
Pick five impact themes and customise them yourself: 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.
trust and licensingquestions people ask before a first investment.
is investing different for women?
The products and the rules are the same for everyone. What ASX found to differ is confidence and information, which is why our first investment guide starts there.
how much do I need to start?
The minimum to invest in the fund is $100. The subscription is $10 a month, or $120 a year. They are two separate numbers, and a regular amount can be set in the app.
can I start small and add each month?
Yes. Start with $100 and set a monthly amount in the app. You can pause it when a month is tight.
what if I want something steadier?
The inaam fund holds listed shares, so it rises and falls. Money you need on a set date may suit a savings product better. A licensed adviser can look at your situation; this page cannot.
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. Read them first, then decide. Sign-up happens in 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.
General information only. Consider the PDS and TMD before investing.
