social impact
impact investing and social inequality in australia.
Some funds aim at inequality. Others screen out the worst behaviour and leave it there. Here is the difference, what to check before you pick one, and where inaam sits.
A product comparison guide. Updated October 2026. About a seven minute read.
what social inequality investing actually means
Social inequality investing is putting money into companies and funds that work to reduce the gaps in healthcare, education, housing and economic opportunity. It asks for more than ESGEnvironmental, social and governance. A framework for scoring how a company manages risks and opportunities across those three areas. screening, which mostly avoids the worst harm. The companies in the portfolio have to be solving a real problem for real people through the thing they sell, not through a foundation attached to the side of it.
In Australia this is still a young focus area inside impact investing. Plenty of ethical funds screen for labour rights and workplace diversity. Fewer go looking for companies whose products widen access. The distinction matters if you care about where your money is going, not only where it is not.
how platforms approach it
the three shapes this takes
Most options in Australia fall into one of three groups. They are not equivalent, and the difference shows up in what the fund actually owns.
exclusion screening
The fund takes a broad set of companies and removes the ones causing social harm. It is the most common approach and the easiest to verify, and it tells you what a fund refuses rather than what it backs.
screening inside super
Ethically screened options inside superannuation cover labour rights and community impact. The screening can be thorough. The catch is that the money is locked away until you reach preservation age.
positive selection
A curated fund picks each company for an outcome it produces: health access, food security, essentials people can afford. Fewer holdings, each one chosen for a stated reason. inaam works this way.
how companies get inside by side
what to ask before you pick one
Our answer in one column. The question worth putting to any other platform in the other.
| inaam | what to ask any other platform | |
|---|---|---|
| how social impact is chosen | Positive selection.Every company is picked for a measurable social or environmental outcome, then held to the same three pillars: financial robustness, purposeful impact, leadership calibre. | Does the fund choose companies for the good they do, or only remove the worst ones? |
| what you can see | Every holding is published by name in the app, with the theme it sits under and the reason it is held. | Can you read the whole list, or only the largest holdings and a sector label? |
| how impact is reported | Company by company, measured against the Impact Management Project and Impact Frontiers frameworks: what, who, how much, contribution and risk. | Is impact reported per company, or once a year at fund level? |
| what it costs | $10 a month.$120 a year, flat, whatever the balance does. | Is the fee flat or a share of your balance, and what is included in it? |
| minimum to start | $100 into the fund.The subscription is a separate thing from the money you invest. | Is the minimum the same number as the fee, or two different numbers? |
| when you can reach it | A registered managed investment schemeA fund where your money is pooled with other investors and run to a set strategy. You hold units in the fund. outside super, so the money is not locked until preservation age. | Is this inside super, and if it is, when can you get to it? |
| 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? |
| where you sign up | In the app, on iOS and Android.There is no web sign-up. | Where does the account actually get opened, and what is needed to open it? |
Check it yourself. Fees, minimums and screening criteria change. Read the current PDSProduct Disclosure Statement. What you are investing in, what it costs, and what can go wrong. for any platform before you decide, ours included. The detail above was accurate in October 2026.
our answer
where inaam fits on inequality
A curated portfolio, every company chosen through the same three pillars, several of them working directly on access.
health you can reach
Diagnostics, digital health platforms and preventative care. Companies making healthcare available to more people rather than to the people who already had it.
the health themefood security
Regenerative farming, precision agriculture and ethical supply chains. Feeding more people with less damage to the land they depend on.
essentials people can afford
Consumption models that make everyday goods cheaper to own and longer-lived: repair, resale, ethical sourcing, products built for their whole lifecycle.
Managers who have run an ethical charter for decades have a longer record than we do, and that is worth something. Ethical options inside super are the simplest way to move money you already have, as long as you accept that you cannot touch it until preservation age.
What inaam offers instead is a short list you can read in full, one flat price at $10 a month, and $100 to start. For someone contributing $50 to $200 a month who wants to know exactly whose business their money is in, that is the trade being made.
questions people ask about social impact.
how does impact investing address social inequality?
By pointing capital at companies that produce a measurable social outcome: improving healthcare access, expanding education technology, creating fair employment, making essential services affordable. ESG screening mainly excludes harmful companies. Impact investing goes looking for the companies reducing inequality through their core business, and then says which ones they are.
what is the difference between social impact investing and esg investing?
ESG investing uses environmental, social and governance scores to filter or rank companies inside an otherwise ordinary portfolio. Social impact investing asks for intent as well: measurable positive outcomes for communities and people. An ESG fund might score a company on its diversity policy. A social impact fund invests in companies whose products reduce inequality, improve access to healthcare, or create economic opportunity where there was not much.
can I invest in social impact funds with a small amount in australia?
Yes, and the numbers are worth separating before you compare anything. With inaam the minimum to start in the fund is $100, and the subscription that pays for inaam is $10 a month, or $120 a year. Elsewhere you will find micro-investing apps with very low entry points, managed funds with minimums in the thousands, and ethically screened options inside super. Ask which number is the fee and which is the minimum.
which kinds of funds address social inequality in australia?
Three shapes turn up. Ethically screened managers exclude companies causing social harm, often with decades of charter history behind them. Super funds screen for labour rights and community impact, though that money is locked until preservation age. Curated impact funds, inaam among them, pick a smaller list of companies for the outcomes they produce in health, food and access to essentials. Each one defines and measures social impact differently, so read the method before the marketing.
where do I sign up?
In the app. Download it on iOS or Android, follow the steps, and customise your five themes so your choices count from the start. Member choices are pooled, and the fund follows them. 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. Product information was accurate in October 2026 and changes. Verify current details with each provider.
keep reading
read the list before you back it.
Every company inaam holds is named to members in the app, with the reason it was chosen. $10 a month for the subscription, $100 to start in the fund.
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.
