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Which type of Sustainable Saver are you?

Sustainable saving is a long way from being one-size-fits-all. Some people seek out investments with the biggest positive environmental impacts. Others simply want to know they're not funding wars or lining the pockets of dodgy CEOs. 

If you're not sure which type you are yet, take the Sustainable Saver quiz to find out. Then jump back here to compare sustainable approaches and discover a few independent investment fund suggestions.

 


Eco Warriors are a force for change in the natural world. Armed with their savings and their conscience, they invest in green companies and tackle environmental issues like the climate crisis, carbon neutrality and renewable energy. All while aiming to grow their savings too.

  • 3.4 million in the UK
  • Mostly younger (18-34)
  • Fairly even gender split

More than half…

  Recycle

  Limit single use plastic

  Reduce food waste

  Shop locally

More than a third…

  Cut down on meat

  Buy from sustainable brands

  Shop second hand

  Cut down travel carbon

Funds suggested by Morningstar

Selected for being categorised as the environmental sector, with a high Morningstar sustainability rating, a good Morningstar rating overall, and good performance.


Future Focus savers are champions of positive change. They know investments have the power to help people in society, improve the environment, build better businesses. And although they still aim to grow their savings, they put impact first, returns second. For their family, their world, their future.

  • 4.8 million in the UK
  • Mixed ages (18-54)
  • More men than women

More than half…

  Recycle

  Limit single use plastic

  Reduce food waste

 

More than a third…

  Shop locally

  Buy from sustainable brands

  Limit air travel

  Cut down on meat

Funds suggested by Morningstar

Selected based on high Morningstar sustainability rating, high Morningstar rating overall, low carbon risk score, and good performance.


Moderate Greens invest to prepare for their own financial futures, but know their investments can do more. So they welcome opportunities to have a positive impact while they save, especially if it’s good for the environment. After all, we make the world we leave for our kids and family.

  • 5.8 million in UK
  • All ages
  • Fairly even gender split

More than half…

✓ Recycle

✓ Reduce food waste

✓ Shop locally

✓ Limit single use plastic

 

Funds suggested by Morningstar

Selected based on high Morningstar sustainability rating, high Morningstar rating overall, good carbon risk score, impact considerations, and good performance.


Diligent Savers see sustainable investments as ones that are likely to stand the test of time. Investments in companies that do better, think forward, don’t get caught up in scandalous headlines and don’t have power-hungry CEOs. It’s a case of supporting the respectable and losing the wild cards.

  • 5 million in the UK
  • Mostly older (55+)
  • Fairly even gender split

More than half…

✓ Recycle

✓ Reduce food waste

✓ Shop locally

More than a third…

✓ Limit single use plastic

 

 

Funds suggested by Morningstar

Selected based on strong performance, governance considerations, high Morningstar sustainability rating, high Morningstar analyst rating, and high Morningstar rating overall.


No Nasties savers say enough is enough. They don’t want to be involved in the profits if an investment causes harm, so ‘sin stocks’ such as tobacco or weapons have no place in their portfolios. With these excluded, No Nasties savers can grow their savings with peace of mind.

  • 3.1 million in the UK
  • Mixed ages (35 and over)
  • Mostly women

More than half…

  Recycle

  Reduce food waste

  Limit single use plastic

  Shop locally

More than a third…

  Limit air travel

 

 

 

Funds suggested by Morningstar

Selected based on exclusions of alcohol, tobacco, arms, gambling, weapons, porn or animal testing. With a high Morningstar sustainability rating, high Morningstar rating overall and good carbon risk score.


Pure Returns is the name of the game here. It’s all about growing your savings as much as possible, without much concern for what you’re invested in. However, that doesn’t have to mean ruling out sustainable investments – which often outperform their non-sustainable counterparts.

  • 3.8 million in the UK
  • Mostly older (55 and over)
  • Mostly men

  More than half…

   ✓  Recycle

   ✓  Reduce food waste

Funds suggested by Morningstar

Selected based on very strong performance and high Morningstar rating overall. Also filtered for good Morningstar sustainability rating, as a pure returns approach doesn't mean you have to rule out sustainable investing.


How did Morningstar pick the suggested funds?

Morningstar is an independent financial research giant that tracks and analyses investment funds (among other things). To create the suggested fund lists on this page, they used their advanced filtering tools to search for funds that fit each Sustainable Saver's typical preferences and approach. You can see the main search criteria just above each fund list.

There are thousands upon thousands of funds in Morningstar's constantly-updating database, so to hone in on the most suitable handful the analysts also considered each Sustainable Saver's demographic profile. Do they tend to be older? More open to risk? These bits of data further filtered each of the fund shortlists. 

Remember that these fund lists are only suggestions - they're tailored to a type of Sustainable Saver, not to you as an individual. Make sure you do your own checks before you invest in any of these funds, to be sure they make sense for you and your portfolio.

And as always, investments are not guaranteed and you have to accept the risks. They will go up and they will go down and you might not get back what you put in.


Based on Boring Money research sponsored by Aberdeen Standard Investments and supported by Morningstar

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