Your retirement savings may be fueling the climate crisis. But they don't have to.

Ratings for thousands of investments on environmental and social sustainability issues.

401(k)s and similar retirement plans

We've rated 50+ employer-offered retirement plans for investments in fossil fuels, deforestation, weapons, private prisons, and more.

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New plans added regularly

Vanguard Target Retirement

Vanguard Target Retirement 2050 Fund (VFIFX)

Environment

Social

Capital American Target Date Retirement

American Funds 2050 Target Date Retirement Fund® (RFITX)

Environment

Social

TSP Lifecycle Funds

TSP L 2050

Environment

Social

Fidelity Freedom

Fidelity Freedom 2050 Fund (FNSBX)

Environment

Social

How retirement funds impact society

Companies like Amazon and Comcast offer employees a corporate retirement plan, to help them save for the future.

Asset managers like Vanguard and BlackRock take that money and invest it in the stock market via mutual funds.

The money is invested in fossil fuel companies like ExxonMobil, arms manufacturers like Raytheon, and private prison operators like CoreCivic.

Action center

Learn how to work with your employer to ensure your retirement plan is sustainably invested.

How unsustainable funds threaten your retirement

Environmental and social impacts

We rate retirement plans and mutual funds on environmental and social sustainability issues, from deforestation to gender equality. Read more

Financial risks of unsustainable investments

Unsustainable investments could be adding financial risk to your 401(k). Learn the facts about sustainable investing and performance. Read more

More from Invest Your Values

See how mutual funds and ETFs are rated on issues ranging from fossil fuels, to deforestation, gender equality, guns, prisons, weapons, and tobacco

Fossil Free Funds

Deforestation Free Funds

Gender Equality Funds

Retirement Plan Scorecard

Learn more about Invest Your Values

Tobacco
The World Health Organization describes tobacco as the most devastating, but preventable, epidemic of our time. Every day, more than 2,000 young Americans become daily smokers.
Learn more
Fossil fuels
Coal, oil, and gas release carbon pollution that accelerates the climate emergency. Rising temperatures will contribute to fires, floods, deadly heatwaves, and other environmental disasters.
Learn more
Prison industrial complex
Investor-owned companies are profiting from exploitative prison labor, immigration jails, and other economic systems of oppression and exploitation.
Learn more
Deforestation
Clearing rain forests for cattle grazing or palm oil production contributes to the climate crisis and threatens the rights of Indigenous peoples, traditional landowners, and local communities.
Learn more
Arms manufacturers
Through the global weapons trade, some arms manufacturers supply military goods to states at risk of using weapons for oppression or aggression.
Learn more
Gender equality
Collecting data and scoring companies on gender equality is the first step towards sustainable change.
Learn more
Civilian firearms
Over 90% of the country supports expanding background checks to all gun sales and the majority supports increased safety regulation, but many of these same people are invested their savings in firearm manufacturers and don’t even know it.
Learn more
Tobacco
The World Health Organization describes tobacco as the most devastating, but preventable, epidemic of our time. Every day, more than 2,000 young Americans become daily smokers.
Learn more
Fossil fuels
Coal, oil, and gas release carbon pollution that accelerates the climate emergency. Rising temperatures will contribute to fires, floods, deadly heatwaves, and other environmental disasters.
Learn more

Invest your values

We offer sustainable investment tools that highlight issues dealing with climate change, gender equality and more

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Disclaimer: As You Sow is not an investment adviser

As You Sow is not an investment adviser as that term is defined under federal and state (California) laws and regulations. As You Sow is a tax-exempt, nonprofit organization dedicated to educating and empowering shareholders to change corporations for the good through the collection, analysis and dissemination of relevant information to the public, free of charge. As You Sow does not provide financial planning, legal or tax advice. Nothing on this website shall constitute or be construed as an offering of financial instruments, or as investment advice or investment recommendations.
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Your retirement savings may be fueling the climate crisis. But they don't have to.

401(k)s and similar retirement plans

View as:

Get alerted when your employer's plan is rated

Check if your mutual funds and ETFs are climate safe

Target date fund series

How retirement funds impact society

Companies like Amazon and Comcast offer employees a corporate retirement plan, to help them save for the future.

Asset managers like Vanguard and BlackRock take that money and invest it in the stock market via mutual funds.

The money is invested in fossil fuel companies like ExxonMobil, arms manufacturers like Raytheon, and private prison operators like CoreCivic.

Action center

How unsustainable funds threaten your retirement

Environmental and social impacts

Financial risks of unsustainable investments

Tobacco

The World Health Organization describes tobacco as the most devastating, but preventable, epidemic of our time. Every day, more than 2,000 young Americans become daily smokers.

Fossil fuels

Coal, oil, and gas release carbon pollution that accelerates the climate emergency. Rising temperatures will contribute to fires, floods, deadly heatwaves, and other environmental disasters.

Prison industrial complex

Investor-owned companies are profiting from exploitative prison labor, immigration jails, and other economic systems of oppression and exploitation.

Deforestation

Clearing rain forests for cattle grazing or palm oil production contributes to the climate crisis and threatens the rights of Indigenous peoples, traditional landowners, and local communities.

Arms manufacturers

Through the global weapons trade, some arms manufacturers supply military goods to states at risk of using weapons for oppression or aggression.

Gender equality

Collecting data and scoring companies on gender equality is the first step towards sustainable change.

Civilian firearms

Over 90% of the country supports expanding background checks to all gun sales and the majority supports increased safety regulation, but many of these same people are invested their savings in firearm manufacturers and don’t even know it.

Tobacco

The World Health Organization describes tobacco as the most devastating, but preventable, epidemic of our time. Every day, more than 2,000 young Americans become daily smokers.

Fossil fuels

Coal, oil, and gas release carbon pollution that accelerates the climate emergency. Rising temperatures will contribute to fires, floods, deadly heatwaves, and other environmental disasters.

Disclaimer: As You Sow is not an investment adviser