Your company is mission-driven.
Shouldn't your 401(k) be too?

~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 a time to talk
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Climate-focused portfolios: Built for retirement.

Our green 401(k) portfolios are built to go head-to-head with standard retirement portfolios: 

01

Diversified

Carbon Collective's 401(k) portfolios cover over 80% of the US stocks by market cap.

02

Low-Fee

Even though we're green, our management fee is the same as generic online investment advisors. 

03

Competitive Performing

Our climate-focused strategy is built to replace traditional index-based portfolios.

Offer a range of portfolios to your team:

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Why do we include generic portfolios?
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Average Fund Fees: Carbon Collective's fund fees range from 0.17% - 0.23%. Vanguard's ESG from 0.11% - 0.13%. Vanguard Target Retirement Date Mutual Funds are all 0.15%. 

Climate Solutions: The % of the portfolio is made of companies Carbon Collective has identified as climate solutions companies in the Climate Index. 

Fossil Fuels: The % of assets flagged as fossil fuel stocks by FossilFreeFunds.org. Vanguard ESG is 1.09% fossil fuel companies. 

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All made easy with:
Simple pricing & automated contributions

We work with two of the top 401(k) providers: Vestwell & Ubiquity

  • They work with over 25,000 small businesses like yours.
  • They integrate with your payroll + provide a software portal for you and your employees.
  • It's your choice whether to set up employer contributions

What is Carbon Collective’s relationship with Vestwell + Ubiquity?
Carbon Collective is an SEC registered investment advisor. We create and manage the three categories of investment portfolios you see above: climate-focused, ESG, and generic retirement date. Once you’re set up, you’ll be a client of either Vestwell or Ubiquity as well as Carbon Collective. They'll help with plan setup and support. We'll help with portfolio management. 

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What people are saying about Carbon Collective

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Ben,

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.

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Ashton,

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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Edwin,

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.

401k's w/ Carbon Collective:
Common Questions

What are the fees?

Platform Fee: Vestwell and Ubiquity both charge a flat platform fee plus a fee per employee per month. The exact amount depends on the size of your company and complexity of your plan.  

Management Fee: Carbon Collective charges our standard management fee of 0.25% of all assets under management per year.

How do the fees compare?

If you shop around, you'll find that most of the 401(k) platforms for SMBs charge a similar amount. The range between them isn't that big. Even with Carbon Collective's management fee, we've found the total you'll pay in working with us is somewhere in the middle of the range: higher than some and lower than others, but pretty close to everyone.  

Any tax credits?

Yes! Assuming you're starting a new 401(k) plan. The federal government in 2019 added new incentives (you can read about them here). 

The tax credit you'll receive depends on the specific nature of your company. If you have questions on this front, we suggest you contact a tax professional 

Are there ONLY green portfolio options?

Nope! We include a range of portfolio options from standard index-tracking to ESG to climate-impact.

We don't want to tell you or your team how to invest, but we do want to give them options. 

I have an existing plan. Can I just add Carbon Collective?

Not yet. For now, the only way for us to offer our 401(k) portfolio lineup is to have your plan hosted by one of our partner 401(k) platforms. 

 

 

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Learn About Our Robo-Advisor

Looking for an individual IRA? Check out our robo-advisor for climate-impact portfolios.

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Answer a few questions about your company and we'll schedule a time to go over what costs and tax credits you can expect.

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