Your retirement fund should be invested in:
A future you actually want to live in

~20% of the US stock market is fueling climate change

From coal, to fracking, to petrochemicals, your ownership of these companies helps keep these dirty industries running.

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100’s of companies are building climate solutions

We replace the companies making climate change worse with the companies building climate solutions.

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~80% of the US stock market could decarbonize

Without changing their core businesses. We pressure these companies to switch to 100% clean energy, electric vehicles, and more.

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Schedule Your Intake Call

Transferring is complicated. Let us do the hard work.

Here’s how our free ‘Rollover Concierge’ service works:


You talk with us

We’ll get all your necessary info and open you up a Carbon Collective account for the transfer.



We call your provider

We’ll call your provider and patch you in (as needed) for security questions.



You get paid!

After the transfer is complete we’ll send you a welcome bonus.


Your old 401(k) could cost you $354,858 over its lifetime

(in fees and lower returns)

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Why do 401(k)'s charge such high fees?

With an initial investment of $100k, the average 401k's annual compounding returns would result in $1,289,105 after 40 years with Carbon Collectives being $1,643,963. 

Assumes a 7.6% total average annual growth rate for both. Given the 1.0% fees of the average 401k (source), the assumed return for the average 401k provider is 6.60%. Carbon Collective's management fee is 0.25% and their average fund fee is 0.10%, making a total average fee of 0.35% and an assumed annual return of 7.25% net of fees. 


This month only!
We’ll send you up to $25 / $10k you transfer

Have a $100k 401(k) or IRA? That's $100 - $250 in your pocket!

  • Initiate your transfer before September 30th
  • We’ll send you a welcome bonus!
  • The more we all transfer, the more everyone’s bonus goes up.

The minimum bonus is $10 per each $10,000. Each time the total passes another $1m, the bonus goes up by $1.00. If we get to $10 million, everyone gets the full bonus of $25/$10k! Once the campaign is complete and your transfer has arrived in your Carbon Collective account, we’ll mail you your welcome bonus check. 

The more who join, the better it gets for everyone. But don't wait too long!

We'll be capping the campaign after we reach $10 million in transfers.

What people are saying about Carbon Collective



Grad Student

I've used robo-advisors like Betterment and Wealthfront for years but I always felt like I was putting money into a black box. Carbon Collective changes that dynamic - I know why and where my investments are making an impact while getting great returns.



Climate Scientist

The discovery of James, Zach, and the Carbon Collective team has allowed me total peace of mind knowing that my money is being invested in climate solutions by a thoughtful group of knowledgeable investors... This is exactly the kind of work we need now.

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Environmental Manager

Very different from the impersonal approach of other investment firms. The transfer itself didn't take much time.... The personal attention will spoil you and the ethical investment strategy will permit you to feel good about your investments.

Ready to get to know Carbon Collective a bit better?

How we build our diversified, low-fee portfolios

Our portfolios divest from the ~20% of the market that depend on fossil fuels and reinvest that share in the 100+ companies building climate solutions in the Climate Index. Our Core portfolios then diversify across the remaining companies who do not depend on fossil fuels for their core business. See our full portfolio and fee breakdowns. 

Our historical performance vs. benchmarks

We believe smart investing = tracking the market with as low fees as possible. Backtesting our climate-focused strategy yielded results that largely tracked the market, with significant outperformance in 2020. See graphs, statistics, and the full breakdown of our historical performance

Is it safe to invest in a new(ish) company like Carbon Collective?

You've worked hard for your retirement savings. You may like what we're doing, but what would happen to your account if CC doesn't make it? Your stocks and bonds are held by one of the largest custodians in the country and are insured for up to $150 million if they go out of business. So the worst case scenario for you is that you'll experience a mild hassle. You have our Transfer Guarantee that if anything happens to CC, we will work with you to move your account to a new custodian of your choice. Learn more here

Attend Our Next Webinar

Attend Our Next Webinar

Join our next Sustainable Investing 101 webinar, get our favorite DIY options, and walk through how we build our portfolios.

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Go a level deeper with us and investigate the potential impacts of climate change on investments like your retirement account.

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Talk To A Human

Talk To A Human

Joining a new investment service can be intimidating. We’re here for you. Click below to email us a question or book a quick call.

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