Investing built forpeople who imaginea better future…And get to work.
You’re looking ahead with clear eyes. Your retirement money should be too.
Stand.Earth has organized and advocated for the rights of nature for over 25 years.
401(k) client since 2023
Nicole became a full-time artist so she could use her skills to make climate solutions beautiful.
Individual client since 2021
Aigen makes it possible (and profitable) to manage weeds without pesticides.
401(k) client since 2022
“Carbon Collective is a breath of fresh air in the advisory space.”
World Centric makes it possible to get that to-go coffee without the plastic.
401(k) client since 2023
Dow Janes helps women feel empowered to manage their financial goals.
401(k) client since 2023
CPEHN advocates every day for an equitable, accessible health system for all.
401(k) client since 2023
“Since switching to Carbon Collective, we’ve noticed more employees getting excited about their retirement savings.”
Sanchali built Commons so anybody could be greener by saving money.
401(k) client since 2022
Mast Reforestation makes it economically viable to replant burned forests.
401(k) client since 2022
ImpactAlpha helps philanthropists and investors invest in actually improving the world.
401(k) client since 2023
“Carbon Collective has been a win-win for us.”
OneEarth connects people, resources, and ideas to unlock global climate action.
401(k) client since 2022
Cleobella partners with global artisans to enable anyone to wear hand-stitched, ethically sourced clothing.
401(k) client since 2023
“Carbon Collective’s approach to climate-friendly investing is rare in that it satisfies the climate experts on our team, but what’s arguably even more valuable is their client support.”
Current clients · none compensatedRatings and testimonials are from current clients. No client was compensated for a rating or testimonial.
We love helping employers.
We help mission-driven businesses and nonprofits be strong fiduciaries.
401(k) and 403(b)
We serve 140+ businesses and nonprofitsAs of August 31, 2026 we served as the 3(38) investment manager for 147 retirement plans sponsored by businesses and nonprofits, based on internal records. Rounded down for simplicity. as their 3(38) fiduciary and general go-to guide for every part of the plan.
Illustrative. This conversation happens at a lot of our client organizations.
We love helping individuals.
We manage $62,000,000+As of August 31, 2026 we had $67,245,060 in regulatory assets under management for individual clients, based on internal records. Rounded down for simplicity. for 800+ householdsAs of August 31, 2026 we served 835 households of individual clients, based on internal records. Rounded down for simplicity. individual investors saving for retirement and building wealth.
Save for retirement
An IRA, a Roth, or a rollover from an old employer plan, invested on the same long-horizon thesis we run for plan sponsors.
Build long-term wealth
A taxable brokerage account for money you want working past the retirement accounts, on the same portfolios and the same reasoning.
Get high yields on cash
Not FDIC insured · Can lose valueOur cash sweep option is offered through Altruist Financial LLC, which uses BNY Mellon as an intermediary to place deposits at FDIC-insured program banks (participating bank list). Neither Carbon Collective nor Altruist is a bank. FDIC insurance covers the failure of a program bank, up to applicable limits, if certain conditions are met. Our yield accounts hold US Treasuries and green bonds. These are securities, not bank deposits. They are not FDIC insured, yields vary, and their value can go down.
Open a Yield account and choose how much sits in US Treasuries and how much in green bonds that finance renewable energy.
And fossil fuels…
We think they’re a
bad long-term investment.
Most people still think divestment is charity.
We want to change that.
They’re insecure
Energy security is now top priority for any government, and the most dependable route is to stop importing fuel.
They’re expensive
The cheap oil is already extracted or state-owned, meaning falling demand hurts oil majors hardest.
They’re less efficient
Electric engines convert over 75% of energySource: U.S. Department of Energy. into motion. Fossil fuel ones convert 12 to 30%. The rest is waste heat.
Our views on long-run sector economics.
Not a forecast, and not investment advice.
Zach’s newsletter is really good.
I’m Zach. I manage our investments at Carbon Collective. I write a monthly, free newsletter for our members and other folks exploring the intersection of climate change, retirement savings, and what the world could look like in 2050.
Questions we get asked
Short answers first.
If yours isn’t here, ask us directly.
Usually answered in 1–2 business days, by whoever knows the answer.
Why would I choose Carbon Collective over an index fund?
Index funds are great. But, in our opinion, they have a major flaw.
They track the overall stock market. And unlike when index funds were first invented in the 1970s, today almost all active stock traders have short-term investment horizons. They are trying to outperform next quarter, or this year.
Given this, our belief is that the overall market is now unable to accurately price in the risks and opportunities for long-term, slowly building trends like climate change.
At Carbon Collective, our goal is to build simple, long-horizon investment portfolios that correct for this flaw.
How is this different from ESG investing?
The financial rationale for ESG investing is sound, but we do not apply ESG filters ourselves.
ESG argues that traditional stock traders focus too heavily on balance-sheet evaluations of companies and ignore knowable environmental, social, and governance risks and opportunities that can materially affect returns. We respect the methodology.
Instead we ask: given what we know is coming for long-term trends like climate change, which companies face existential risks to their core business models, and which could see meaningful opportunities? Based on the answers, we avoid certain industries and overweight others.
How should I think about performance?
As the result of investment decisions, not values screens.
Our climate positioning, from excluding fossil fuel companies to overweighting climate solutions, is an investment decision about long-term risk and return. We believe fossil fuels face structural headwinds, and climate solutions structural tailwinds, over the coming decades. That’s our thesis, and it’s why we invest this way.
We don’t try to beat the market year to year. These are long-horizon positions. In some years, even several years in a row, our portfolios may trail a broad index. Our goal is that over decades our clients end up better off than they would have in a simple index fund. We could be wrong, and there’s no guarantee.
Can employees in your 401(k) and 403(b) service invest in traditional index funds?
Absolutely.
Our goal is to expand the range of options your team has to invest, not to shrink them.
Passive investing is a powerful investment philosophy, one which your team should absolutely have access to.
You can read more about our 401(k) and 403(b) service.
Can I talk to someone first?
Yes. We are real people, ready to help.
Trust is hard to build in our industry. We are very proud of what we have built so far.
If you are curious or have more questions, don’t hesitate to reach out or book a call. You will be talking directly with one of us. Not a bot, and not someone overseas.