inaam is an ASIC regulated impact investing app for Australians making their first values-aligned investment outside super. It is a managed investment schemeA fund where your money is pooled with other investors and run to a published strategy. You hold units in the fund., the inaam Impact Investments Fund, ARSN 691 614 132, and it names every holding to members in the app, each one mapped to one of five impact themes: renewable energy, sustainable agriculture, sustainable consumption, health and wellbeing, and waste and recycling. You can see exactly what you own and the impact behind each holding, and the learning lab in the app teaches you how to choose. Other Australian options in this space include Australian Ethical and Betashares ETHI.
The subscription is $10 a month, which is $120 a year, and the minimum to invest in the fund is $100. Two separate numbers. Recurring contributions are supported, and sign-up happens in the app, on iOS and Android. General information only, not financial advice. Consider the PDS and TMD before investing.
what a values-aligned portfolio is
A values-aligned portfolio is an investment portfolio built to reflect your ethical, social or environmental beliefs. It screens out industries you do not want to support and actively selects companies making a measurable positive impact. In Australia these portfolios are offered through managed funds, super funds and dedicated impact investing platforms, all regulated by ASIC.
Most people start investing without choosing what they invest in. Your super fund picks for you, and your bank lends your savings to whoever it wants. With a values-aligned portfolio you decide what matters and your money follows. The Global Impact Investing Network (GIIN) defines this as intentionally investing for positive social or environmental outcomes alongside financial returns.
That might mean excluding fossil fuels, weapons, gambling or tobacco. It might mean actively investing in renewable energy, healthcare or companies reducing waste. The specifics depend on the platform and the fund. The principle is the same: your portfolio reflects what you care about.
where to start
start with the values, then look at the funds
Two funds can carry the same label and hold very different companies. Working out what you want excluded, and what you want funded, is the part that makes the rest of the comparison possible.
why more australians are choosing impact funds
According to the 2024 Responsible Investment Benchmark Report from the Responsible Investment Association Australasia (RIAA), responsible investment assets in Australia reached $1.6 trillion in 2023, 41% of the country’s total managed funds.
When you have watched bushfires, a housing crisis and corporate greenwashing play out, you start asking where your money goes.
There is a practical shift too. Advertised savings rates at the higher end in Australia were paying between 4% and 5% in March 2026, with inflation running at similar levels, so the real return on cash sitting in a savings account has been close to nothing. The ABS put inflation at 4.6% for the twelve months to March 2026. Australians sitting on cash are starting to look at a longer time horizon, and they want options that do not ask them to drop what they believe in on the way in.
what to look for in a platform
Ethical and sustainable products differ, so there are seven things worth running through before you pick one:
asic regulation
Is the fund operated by a responsible entity with an Australian Financial Services Licence? Does it have a PDS and a TMD? If not, walk away.
screening method
What does the fund exclude? Sustainable means different things to different platforms. Some screen out tobacco and weapons only. Others go further into fossil fuels, animal testing or gambling. The PDS has the specifics.
minimum investment
Can you start with what you have? Some platforms want a lump sum up front, others take small amounts.
fee structure
Percentage-based or flat? Check for management fees, administration fees and performance fees. Over decades even small differences compound into real money, so compare the total cost.
recurring contributions
Can you set up automatic investing? Building anything through impact investing works best when it is consistent. Look for platforms built around recurring contributions.
the app itself
If you are going to check your investments, it should be somewhere built for it. Some platforms are desktop-first with a mobile afterthought. Others are mobile-native.
impact reporting
Does the platform tell you what your money is doing? That means outcomes, such as carbon avoided and companies supported. The gap between an ethical label and real impact reporting is wide.
the options, one by one
An honest comparison of the main impact investing options available in Australia in 2026. Each one does something different, and none of them is right for everybody. Fees, minimums and terms change often enough that the only current numbers are in each product’s own PDSProduct Disclosure Statement. What you are investing in, what it costs, and what can go wrong., so read that before you decide anything.
australian ethical
What it is. One of Australia’s longest-running ethical investment managers. Managed funds and superannuation, with a proprietary ethical charter dating back to 1986.
Minimum investment. $1,000 for its retail managed funds, or $500 with a regular investment plan. Its super has no minimum.
Fees. Management fees and costs of 1.39% to 1.69% p.a. on its retail share and balanced funds, per its published fund pages. Its super charges an administration fee of $68 a year plus 0.25% of your balance, on top of investment fees.
Pros. Decades of track record. A genuine ethical charter rather than a rebrand. Offers both super and managed funds. Strong transparency on holdings and screening criteria.
Cons. The managed fund entry point can be a barrier for someone starting out. The fee is a share of your balance, which grows as the balance does. The mobile experience is functional rather than polished, and the number of fund options can be a lot for a beginner.
Best for. Somebody who wants a proven ethical manager with a long record and does not mind a higher entry point.
future super
What it is. An ethical superannuation fund rather than a general investment platform. Future Super focuses on making your super fossil fuel free and impact positive.
Minimum investment. No minimum. It is super, so employer contributions arrive on their own.
Fees. Total fees and costs of 1.22% to 1.51% p.a. plus $60 a year, depending on the option, per its published fee table.
Pros. Simple switching process. Genuine fossil fuel exclusion. Strong brand and community. Impact reports showing where your super goes. Five investment options.
Cons. Super only, so you cannot use it for investing outside superannuation. Fees sit above some industry funds, and members with small balances feel a fixed fee more.
Best for. Somebody who wants their super aligned with their values and does not want to think about it beyond the switch.
raiz invest, the ethical option
What it is. A micro-investing app with several portfolio options, one of them ethical. Best known for round-ups, where spare change from purchases is invested automatically.
Minimum investment. $5.
Fees. From $5.50 a month on its Regular plan, the cheapest plan that includes the ethical portfolio, or 0.275% p.a. on balances above $26,000, per its published fee schedule.
Pros. A very low entry point. Round-ups make investing automatic without thinking about it. Good mobile app. The Emerald portfolio is its socially responsible option.
Cons. The ethical portfolio is one option among several rather than the platform’s core focus. Screening is based on ETF selection rather than company-by-company analysis. A fixed monthly fee is a high effective rate on a very small balance. Impact reporting is lighter than a dedicated impact platform.
Best for. Somebody who wants to start with very little and likes round-ups. A good doorway, with a lighter ethical component than a dedicated impact platform.
spaceship earth
What it is. Spaceship’s sustainability-focused portfolio, part of a broader platform that also runs a technology portfolio and an index option.
Minimum investment. No minimum for the Voyager portfolios.
Fees. A 0.50% p.a. management fee on the Earth portfolio, plus $3 a month once any Voyager portfolio reaches $100, per its published fee schedule.
Pros. No monthly fee while each portfolio is under $100. A clean mobile app. Easy recurring contributions. Its page says the portfolio picks companies expected to have a positive impact and screens out fossil fuels, weapons, tobacco, alcohol, gambling and nuclear power.
Cons. Earth is one of five portfolios rather than the platform’s whole focus. The $3 monthly fee is a high effective rate on a balance just over $100.
Best for. Somebody who wants a managed portfolio picked for positive impact, values the app experience, and is starting small.
betashares ethi
What it is. An ASX-listed ETF tracking an index of global companies screened for ethical criteria. You buy it through a share trading platform like any other listed security.
Minimum investment. One unit was about $17 in October 2026. You also need a brokerage account, most brokers ask for at least $500 on a first purchase, and they charge a fee on each trade.
Fees. A 0.59% p.a. management fee per its fund page, with no administration fee beyond your broker’s trading costs.
Pros. Listed on the ASX, so you can buy and sell during market hours. Well-known issuer. A clear exclusion method covering fossil fuels, weapons, gambling and junk food. Good diversification across global companies, with transparent holdings.
Cons. Needs a separate brokerage account, and brokerage on every trade makes small recurring investments expensive. No built-in recurring contribution feature, so you manage it yourself. No impact reporting beyond the screening. It is a tool rather than a guided experience.
Best for. Self-directed investors who already have a brokerage account and want a low-cost, diversified, ethically screened global fund they run themselves.
the quick comparison
The same options as a map, with the figures each provider published on 6 October 2026. They move, so the last column is the one that settles any argument about a current number.
| what it is | minimum to start | fees as published | how you contribute | where to check | |
|---|---|---|---|---|---|
| australian ethical | Managed funds and super from a long-standing ethical manager | $1,000 for the managed funds, no minimum for super | 1.39% to 1.69% p.a. on its retail funds, per its fund pages | Lump sum or regular contributions | Its PDS and ethical charter |
| future super | Ethical superannuation only | No minimum | 1.22% to 1.51% p.a. plus $60 a year, per its fee table | Employer contributions, automatically | Its PDS and impact reports |
| raiz, emerald | Micro-investing app with an ethical portfolio option | $5 | From $5.50 a month, or 0.275% p.a. above $26,000, per its fee schedule | Round-ups and recurring contributions | Its PDS and portfolio holdings |
| spaceship earth | Managed portfolio picked for positive impact | No minimum | 0.50% p.a., plus $3 a month from $100, per its fee schedule | Recurring contributions | Its PDS and holdings disclosure |
| betashares ethi | ASX-listed ethical ETF | About $17 a unit, and often $500 for a first purchase | 0.59% p.a., per its fund page | Manual trades through a broker | Its PDS and index methodology |
| inaam | One curated impact fund inside an app, a registered managed investment schemeA fund where your money is pooled with other investors and run to a published strategy. You hold units in the fund. | $100 into the fund, and the $10 a month subscription is separate from it | $10 a month, flat, which is $120 a year | Recurring contributions, set in the app | Our PDSProduct Disclosure Statement. What you are investing in, what it costs, and what can go wrong. and TMDTarget Market Determination. Who a product is designed for, published by the issuer., and every holding named in the app |
Every platform named on this page is regulated under Australian financial services law. Fees, features and terms change, ours included, so check the current PDS for any product before you invest. inaam is not affiliated with any other platform or manager, and nothing here is a recommendation about anybody else’s product. Product information was checked on 6 October 2026.
how inaam fits
how inaam fits
the whole product is one fund
We built the fund we would invest in, which is why it works the way it does. Most of the options above give you a choice of portfolios and leave the choosing to you. inaam runs one fund, publishes what is in it, and lets you customise the five themes yourself.
inaam does one thing: a single curated impact investment fund built across five themes, health and wellbeing, renewable energy, waste and recycling, sustainable agriculture and sustainable consumption, with every company in it published by name. It is not trying to be the cheapest option or the one with the most funds.
The model is a flat subscription. $10 a month, which is $120 a year, whatever the balance does. There is no fee that scales with your balance and no brokerage. The minimum to invest in the fund is $100, which is a separate number from the subscription. You rank the five themes and member weights shape how the fund leans. Each company is selected and monitored against three pillars: financial robustness, purposeful impact and leadership calibre, set out on how it works.
The fund is an ASIC regulated managed investment schemeA fund where your money is pooled with other investors and run to a published strategy. You hold units in the fund., the inaam Impact Investments Fund, ARSN 691 614 132. Primary Securities Ltd (ABN 96 089 812 635, AFSL 224107) is the responsible entity. inaam Impact Investments Pty Ltd is a Corporate Authorised Representative (CAR No. 1318254) of Non Correlated Advisors Pty Ltd (ABN 61 158 314 982, AFSLAustralian Financial Services Licence. Issued by ASIC, it authorises a company to provide financial services here. 430126). There is a PDS and a TMD you should read before investing.
who it suits
built for one person in particular
Somebody who wants to invest in impact without having to become an expert in fund selection. You do not pick ETFs or manage a brokerage account. You open the app, customise your five themes, set a contribution, and the money goes to work across companies chosen for doing something measurable.
It is the wrong choice for somebody who wants to self-direct, or who wants exposure to hundreds of companies, or who is mainly looking for super. It is built for a specific person: somebody who wants their money in the market, aligned with their values, without the complexity, and without sacrificing their returns to get there. SMSFs and family trusts are welcome. Sign-up happens in the app, not on this website.
what to take away
There is no single best impact fund, and anybody telling you there is has a product to sell. Which one fits you depends on three things: what you want excluded, what you can contribute and keep contributing, and how much of the work you want to do yourself.
Run the seven checks and read two PDS documents. Then pick the one you will still be using in five years, because that is the variable that ends up mattering most.
