Your retirement savings have a carbon footprint.

The Intentional Investing Lens shows it in about five minutes, from a few questions you can answer from memory. Every employee leaves with a shortlist they can take to their plan.

In 2024, only 5 in 100 plan participants without an adviser made a single trade in their retirement plan (Vanguard, How America Saves 2025). The Intentional Investing Lens gives them a reason to look.

Button: Try it on your phone

Button: Try it on a laptop

Why employees open it

Employees can put their own savings behind the commitments their organization has already made in public. That gives them a reason to open the tool that a reminder email does not.

Participants can already reallocate within the plan's options whenever they like. What they usually lack is a clear view of the choice in front of them.

The tool needs no account linking, recordkeeper integration, or credentials unless the employer wants them.

How it works

Your funds. Tap the kinds of fund you hold, such as target date, large-cap, international, or bonds. "Not sure" is a valid answer.
One question. Choose returns first, both together, or impact first. Your answer changes the order in which options appear, not the numbers.
Your footprint. See the tonnes of CO2 your savings finance each year, compared with the average fund of the same kind.
One swap. Compare ranked alternatives in the same category, before and after.

The method is available in the app. Holdings that report emissions have the participant's share counted directly, gaps are filled with sub-industry averages, and the total is compared against the average fund in the same Morningstar category.

What the employee leaves with

A footprint figure in tonnes of CO2 a year, with the comparison against a typical fund of the same type.
A before-and-after view of the one swap they are considering.
A shortlist to take to their own plan. Nothing is executed inside the tool.

Candidates only appear if they sit in the same fund category, carry lower carbon, and clear a minimum data-coverage bar.

Three numbers, side by side

Every comparison shows carbon in tonnes a year (one tonne is roughly one return flight between London and New York), the three-year return, and the fee, before and after. When an alternative costs more in fees, the screen says so as plainly as it shows the improvements.

Two ways to run it

On a phone. The walkthrough most employees start with, shared by link or QR code at a team meeting, a benefits fair, or an all-hands.
On a laptop. The same method, with room to paste your actual holdings, import a statement, compare several swaps, and keep a personal plan.

One employee at a time

The Intentional Investing Lens is the fast route to action: each participant can act on their own number this week, within the menu the plan already offers, with no committee decision and no lineup change. The slower route moves the whole plan at once, when the plan committee reviews the menu itself. Both start from the same data.

Part of a complete offering

Intentional Investing Lens for Plans. Measures the plan as a whole: the Category 15 total for climate reporting and the carbon intensity of every fund in the menu. See the Intentional Investing Lens for Plans page.
Employer Sponsored Plan Review. A professional services engagement that prepares the plan committee to review the lineup and its lower-carbon options. See the Employer Sponsored Plan Review page.

Employers can roll the Intentional Investing Lens out alongside the Intentional Investing Lens for Plans, so participants and the committee work from the same numbers. The full picture is on the Solutions page.

What the Intentional Investing Lens will not do

It does not give personalized recommendations or account for an individual's full circumstances, and it does not move money, connect to the plan, or take custody of anything. It does not claim lower carbon means better returns, because a lower-carbon fund sometimes costs more in fees, and the screen shows both. It produces estimates rather than statements, built on reported emissions where available and sub-industry averages where not.

Bring it to your workplace

Roll the Intentional Investing Lens out to your participants, on its own or as part of a financed emissions assessment of your plan.

Button: Bring it to your workplace