Your retirement plan has power. Through its funds, your organization owns slices of thousands of companies, and some release far more carbon than others. For most employers that makes the plan the largest emissions line nobody has measured, and one you can shrink without new spending. See what the plan finances today, what a lower-carbon lineup would have meant, and what to bring to the people who decide.
This is a pre-release prototype of the Investature Employer Tool, shared with you for evaluation and feedback only. Please do not share access, screenshots, or contents with anyone else without Investature's written consent.
This tool is a research prototype. Nothing in it is investment advice or a recommendation to buy, sell, or hold any security. Figures are estimates built from third-party and public data and may be incomplete or out of date. Consult a qualified adviser before making any investment decision.
Your interactions and feedback notes in this prototype are recorded to Investature's research log, associated with the email you enter below, and used only to improve the product. At the end of this experience, we'll ask you a few quick questions — your feedback shapes what we build next.
Step 1 · About youStep 1 · About your plan
This sets up the whole walkthrough — language, emphasis, and the report at the end. It locks in when you continue to the next step; to switch later, start a fresh walkthrough.
Locked for this walkthrough — your steps, comparisons, and report are all built for this audience.
Seven short steps: who you are, your funds, your carbon, your options, what it would have meant, your plan, and how it was. Nothing here is investment advice.
Employer view: this walkthrough treats your organization's retirement plan as a company decision, not an individual one. The lineup is chosen by the plan's fiduciaries; what it finances is Scope 3, Category 15 of the organization's footprint, a line in the benefit budget, and part of the employee experience. Nothing here is investment advice, and nothing here places trades: the output is material for the people who decide the lineup.
Three quick answers shape the order of what you see. The defaults are fine.
Three quick answers set the emphasis, the report framing and the ask at the end; no number changes, and the lineup never leaves this page. Your answers ride along with any feedback you send, as the research-logging term says. In a hurry? The defaults are fine; go straight to the lineup.
Roughly when you plan to retire, or otherwise draw on this portfolio.
There's no wrong answer — this only affects how we frame comparisons.
This decides what you see first: your financial picture, your carbon picture, or both together.
Each seat gets its own framing, report and ask at the end. It never changes a number.
Used only to express the footprint per participant, a number employees and leaders can picture.
This decides what leads on every page: the disclosure-grade number, the employee story, the cost-and-return picture, or the fiduciary comparison. Your seat sets a default; change it if the driver differs.
Two-minute FinWell reads picked from your answers — learn as you go, act when ready.
Step 2 · Choose your fundsStep 2 · Your plan lineup
Employer view: add the funds in the plan's lineup and enter approximate plan-level allocations. Totals are what the organization's plan finances: Scope 3, Category 15 of its footprint. Nothing here is investment advice.
Not sure what you hold? Use the typical mix. Otherwise, search by the type of investment (“target date”, “large blend”, “bond”), pick the funds that match what you hold, and enter roughly how much you have invested. Estimates are fine. If you'd like the fuller picture, you can also add other personal holdings — a brokerage account or an IRA — but that part is optional.
Search by the type of investment in your plan's lineup — “target date”, “large blend”, “bond” — add each fund, and enter roughly how much of the plan's assets sit in each. Estimates are fine.
Export the fund list with plan balances from your recordkeeper (Fidelity, Empower, Vanguard, Alight and TIAA all offer one), then drop the file here or paste the rows. We look for a fund ticker and a dollar amount on each line; anything we can't match, you can add with the search above. Like everything on this page, the file is read right here and never uploaded anywhere.
Step 3 · Your carbonStep 3 · The plan's footprint
Through these funds, you own slices of companies. That makes you responsible for a slice of the carbon they emit, which warms the planet. With what you entered, your slice of that carbon comes to:
Worried that lower carbon means lower returns? See the data →
Step 4 · Compare your optionsStep 4 · A menu for your committee
For each fund you hold, here are lower-carbon funds of the same kind: same asset class, same style, same job in your portfolio, not a generic ESG label. Investature doesn't pick for you. Compare the numbers side by side and choose what belongs in your scenario, or keep what you have. Nothing moves unless you make the changes on your plan's website.
One click on a card adds it to the agenda; Details opens the numbers. Not sure how to read the cards? How to read a fund → · Skeptical of green labels? Green label ≠ green fund →
Expecting pushback on returns? The performance question → · Ready to raise it? Running the committee conversation →
Every fund in the same category is a dot: return across, carbon up (lower is better). The dashed edge joins the funds no other fund beats on both. Click a dot to see it and pull it into the comparison.
Step 5 · See what would have happenedStep 5 · What the plan would have financed
A simple look back: your portfolio as it is, versus your portfolio with the alternatives you chose in Step 4, held steadily over the last 12 months. Two answers, no jargon: what it would have done to your money (using real fund prices) and to your carbon.
The evidence page for your committee conversation: the plan as it stands, versus the plan with the agenda options from Step 4, held steadily over the last 12 months. Two answers — what it would have meant for plan value (real fund prices) and for the plan's financed emissions.
Ready when you are. This look-back uses real fund prices and each fund's latest measured footprint. Past performance does not predict future returns, holding funds involves market risk, and carbon data is a snapshot — fund holdings change over time.
Step 6 · Your planStep 6 · Target, report & the committee ask
What you chose, what it saves, and what to do next. Take it with you, and set a target below if you want one.
One note first: the projection is a modeled estimate, not a guarantee, produced by Investature's extrapolate-allocation methodology. Nothing in this prototype is a recommendation; the plan's fiduciaries and adviser decide, through the plan's own review process.
One note first: the numbers in your plan are modeled estimates, not guarantees. Investature is not your investment adviser. Consider your full financial picture, and consult a professional before making changes.
Forward carbon trajectory from Investature's proprietary extrapolate-allocation step — modeled, clearly not guaranteed. The “do nothing” line holds your current mix; the goal path applies the alternatives you selected, then a straight glidepath to your targetthe current lineup; the goal path applies the committee menu, then a straight glidepath to the plan's target.
A look at the recurring digest, event alerts, and annual year-in-review we're building, filled in with the plan's numbers. Like a utility bill for the plan's carbon: even if the lineup doesn't change, you'll see what a different one would have meant.
Your retirement plan is one room in the house. Where does the rest of your money sleep at night? →The plan is one room in the house. Where does the rest of the organization's money sleep? →
Step 7 · How was it?
Three quick questions. Your answers go straight to the build list.