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🌱 Impact Investing Made Simple

Money With a Mission.

To Change The Future Of Investing. Join thousands of young Australians investing in what matters.

Money With a Mission

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How It Works

Start investing with purpose in four simple steps

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Choose Your Values

Tell us what causes matter most to you.

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Build Your Portfolio

We curate investments aligned with your values.

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Watch Your Impact Grow

Track your returns and real-world impact.

93%of young Aussies say the impact of their investments matters

Not sure where to begin?

You are not alone. Take our Money Values Quiz and discover how you want your money to matter.

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FAQs

inaam is a multi class, multi asset Unit Trust Fund. The Fund is a registered managed investment scheme: inaam Fund ARSN 691 614 132. The PDS for the Fund is issued by Primary Securities Ltd AFSL 224107. The investment manager is inaam Impact Investment Pty Ltd (inaam).

Think of it like a big shared piggy bank. Everyone puts their money in and together we invest in lots of different things like companies, farms, or clean energy projects, not just one type. That is what multi asset means.

We divide the fund into seven buckets, each focused on a theme like renewable energy or recycling. When you join, we build your own mix of five buckets based on what matters most to you. You can trust the process because it's like grandma's recipe but for your money.
You are investing in a curated mix of global listed companies that are publicly traded on major exchanges. The companies are chosen for their strong financial fundamentals such as profitability and resilience, their record of creating meaningful social or environmental impact, and their alignment with your values. We are not a trading app and we are not chasing fads. This is long-term investing with purpose.
There is a $10 per month (inc GST) platform fee.

That covers the portfolio curation, the app, the impact tracking, and access to the Learning Lab. We don't charge based on how much you invest. It is transparent and simple, just as it should be.

In the Fund itself, we don't charge any other fees based on how much you invest. There is a buy-sell spread of 0.1% when you invest and when you leave or withdraw from the fund.

Brokerage fees are paid by the Fund, not you. There is a performance fee if inaam invests well for you (this begins once the Fund has more than $10m or unless otherwise specified by the Investment Manager (inaam)). The Fund will pay expenses of the Fund if inaam fails to do so. All this is explained in the PDS. For a full explanation of the fees and costs of investing in the Fund refer to the PDS.
No. Everything we provide is general information only.

inaam doesn't know your full personal financial situation, so we can't give personal financial advice. If you're unsure, we always recommend speaking to a licensed financial adviser before making any big decisions.
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Learning Lab Articles

📊
Learning Lab

The Three Pillars of Sustainable Investing

What are ESG, SRI and Impact Investing?

🌱
Learning Lab

The Beginners Guide to Sustainable Investing

Everything you need to know to get started.

💡
Learning Lab

What Are Thematic ETFs?

Building blocks of modern investing.

View All Articles →

As Featured In

Raising $500K for an impact investment platform that does not greenwash

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How money can be a force for good

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101 South Asian Australian Startup Founders

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Innovating fintech to empower the next generation

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Methodology

Pillar 1: Financial Robustness

Impact only works if the businesses behind it are financially strong. We make sure every company we invest in has the scale and stability to deliver returns and keep driving change over the long term.

Here's what that looks like in practice:

  • Companies are already established players in their markets, valued at over $500 million.
  • They're not just growing - they're profitable, with EBITDA above $100 million.
  • They generate at least $500 million in annual revenue, showing proven demand for what they do.
  • Profit margins sit in a healthy 5–10% range, enough to reinvest while still rewarding investors.
  • All companies are publicly listed, which means transparency, liquidity, and accountability.

By setting these standards, we focus on businesses that can ride out economic ups and downs and continue making a positive impact for years to come.

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Pillar 2: Purposeful Impact

At inaam, impact is not a side project. It's at the core of the businesses we back. We use leading frameworks like the Impact Management Project (IMP) and Impact Frontiers to understand not only who benefits but also how deeply.

Our portfolio companies fall into two impact categories:

  • Category B: Businesses that benefit people and the planet through sustainable practices, environmental stewardship, or inclusive products.
  • Category C: Companies that contribute to and deliver solutions tackling global challenges such as renewable energy, decarbonisation, or the circular economy.

Our approach to impact:

  • We prioritise companies whose core business model drives impact, not just CSR initiatives.
  • We evaluate them across five dimensions of impact: What, Who, How Much, Contribution, and Risk.
  • We continuously monitor sustainability metrics, externalities, and industry benchmarks to keep standards high.

Examples of portfolio companies:

  • Category C: Brookfield Renewable Partners, First Solar, NextEra Energy
  • Category B: Xylem Inc., Beyond Meat, Ecolab, e.l.f. Beauty

This way, you can be confident that your investments are not only financially robust but also delivering measurable impact where it matters most.

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Pillar 3: Leadership Calibre & Intentionality

Great companies are built by great leaders. At inaam, we know that lasting impact comes not only from strong business models but also from the people behind them. That's why we screen leadership teams carefully, focusing on three areas:

  • Integrity & Transparency: Leaders with a proven record of ethical governance and responsible decision-making.
  • Vision for Impact: Executives who are committed to creating long-term value for society and the planet, not just shareholders.
  • Diversity & Inclusion: Boards and teams that reflect gender, ethnic, and experiential diversity - often linked to stronger innovation and better outcomes.

We avoid companies led by individuals tied to ESG controversies, regulatory violations, or greenwashing.

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See our impact themes

Discover the five pillars where your investments create real change.

Explore Pillars of Change

Our Five Pillars of Impact

A simple way to understand the areas where your money creates real change. Each pillar reflects a global movement shaping our future and highlights the companies leading that progress.

❤️

Health & Wellbeing

People are prioritising healthier lifestyles every day. This pillar explores the global shift toward safer products, stronger wellbeing, and innovations that help communities live longer, healthier and more confident lives.

Learn more →
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Renewable Energy

The world is accelerating toward cleaner power. This pillar highlights the technologies and systems reshaping how we generate, store and use energy as we move away from fossil fuels.

Learn more →
♻️

Waste Recycling

Waste systems are being redesigned for a circular future. This pillar looks at how we reduce landfill, rethink single-use materials and tackle the growing challenge of electronic waste.

Learn more →
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Sustainable Agriculture

Food systems are entering a new era of responsibility. This pillar focuses on ethical farming, healthier ecosystems and better practices that protect animals, forests and water.

Learn more →
🛒

Sustainable Consumption

Everyday choices shape our planet. This pillar explores conscious living, from fashion and food to the products we use daily, and how smarter habits can reduce our environmental footprint.

Learn more →

See How We Measure Real Impact

Our methodology explains how each company is evaluated across financial strength, purposeful impact and leadership calibre.

Explore Our Methodology

Learning Lab

Build your financial literacy with our guides and insights.

📊
Learning Lab

The Three Pillars of Sustainable Investing

What are ESG, SRI and Impact Investing?

🌱
Learning Lab

The Beginners Guide to Sustainable Investing (2025 edition)

Everything you need to know to get started.

💡
Learning Lab

What Are Thematic ETFs?

Understanding the building blocks of modern investing.

📈
Learning Lab

What is a PE Ratio and Why Should You Care?

Understanding valuation basics.

🌍
Learning Lab

What Does "Sustainability" Actually Mean?

Cutting through the jargon.

💭
Learning Lab

What I Wish I Knew about Investing at 22

Lessons from experience.

📊
Learning Lab

EBITDA Explained for First-Time Investors

Financial metrics made simple.

💼
Learning Lab

What is a Portfolio and Why Should Young Investors Care in 2025?

Building your investment foundation.

📚
Learning Lab

A Simple Guide to ETFs for New Investors

Exchange-traded funds explained.

🇦🇺
Learning Lab

Impact Investing in Australia: A 2025 Guide for Young Investors

Your local guide to making a difference.

Learning Lab • 5 Nov

The Three Pillars of Sustainable Investing

Written by Adrian Samuel

ESG SRI IMPACT Filter Curator Inspirer

If you've ever felt like your investment money is stuck doing the same old thing, chasing profits without a purpose, you're not alone. Welcome to the world of Sustainable investing. It's where your money earns a return and works to build a better world. Within this movement, there are three key approaches often mentioned: ESG, SRI, and the most powerful of all, Impact Investing.

Let's break this down.

What are ESG, SRI and Impact Investing?

ESG, SRI, and Impact Investing are all ways to align your investments with your values.

They shift the central question from just "How much money will I make?" to "What kind of world am I helping to build?" These are frameworks that help investors make decisions aligned with their values, global sustainability, and long-term impact, without ignoring financial performance.

ESG - The Filter

ESG stands for Environmental, Social and Governance. ESG Investing evaluates companies based on three core factors:

  • Environmental: How a company manages its impact on the planet like emissions, waste, renewable energy use, and resource efficiency.
  • Social: How it treats its employees, suppliers, customers, and communities.
  • Governance: How it operates through leadership ethics, transparency, board diversity and fair executive pay.

It is like a filtered feed on YouTube. ESG filters out the bad content (polluters, unethical firms) from your video feed, so you get clean recommendations that you might like. ESG is primarily focused on managing risk.

SRI - The Curator

Socially Responsible Investing (SRI) takes ethical considerations one step further. It focuses on excluding industries or companies that conflict with moral or social values. SRI investors apply what's called negative screening, which is intentionally avoiding "sin" sectors such as:

  • Tobacco
  • Weapons
  • Fossil fuels
  • Gambling
  • Adult entertainment

In contrast, positive screening highlights companies making meaningful progress in areas like renewable energy, fair labour, and diversity.

Think of it like a curated Youtube playlist. SRI helps you curate your content playlist that fits your purpose and values and ensures no awkward "why is this in my recommendations?" moments. SRI is focused on aligning with values.

Impact Investing - The Inspirer

This is where it gets exciting. Impact Investing refers to investments made with the intention of generating measurable, positive social or environmental outcomes, alongside financial returns. While ESG manages risk and SRI avoids harm, Impact Investing actively creates solutions. Impact investments target crucial sectors where capital can drive demonstrable change, such as:

  • Clean energy: Funding new solar, wind, and geothermal power projects.
  • Affordable housing: Investing in developments that address housing shortages in underserved communities.
  • Education technology: Backing tools that make quality learning accessible worldwide.

Think of it like a feel-good podcast. This content moves you and leaves you inspired, not drained. You feel good when you invest your time (or your money!) into it and get a great experience out of it. Imagine going from "I recycle" to "I fund the recycling company." That's Impact Investing, where purpose meets profit in motion.

Impact investing is the way forward

The future of finance is about action. Investors, particularly those from the younger generations, are no longer content with simply avoiding bad investment. They want their money to actively solve global challenges. The focus on clear, measurable outcomes is what gives Impact Investing its edge and why it represents the future of responsible wealth building.

How to select what works?

Like any other investment approach, these strategies help you choose which companies or funds your money supports, but the selection criteria go beyond profits.

When you invest through funds or platforms that offer these approaches, you can often choose between ready-made portfolios (curated by fund managers) or build your own by picking companies that match your beliefs.

Benefits of impact focused investing

When you focus on genuine Impact Investing, you gain unique advantages that go beyond traditional portfolio management.

Aligning wealth with a deeper purpose

This is your Emotional ROI (Return on Intention). You're not just growing your money, you're growing your influence. For many modern investors, the confidence of knowing their capital is solving problems they care about, is just as valuable as the financial return.

Access to future-proof markets

By directing your investments toward innovative solutions in areas generating positive impact like clean water and air, you gain exposure to markets that are set up for significant, long-term growth. As global sustainability becomes a necessity, companies solving these problems are naturally more resilient and future-proof.

How to evaluate the risks?

In Impact Investing, assessing risks means looking beyond standard financials. It means asking: "Is this company's impact claim genuine?" You should always look for a clear connection between the investment and the outcome. Always check the data, not just the buzzwords, to ensure a company's impact claims are backed by measurable performance, a concept that is now becoming easier than ever.

How inaam makes impact investing simple

Building an investment portfolio that actively creates measurable impact shouldn't feel like navigating a complex maze. At inaam, we are dedicated to making Impact Investing intuitive, accessible, and transparent, so you can stop wondering and start acting.

We make Impact Investing easy by simplifying the entire process through guided, impact-focused features.

  • Select your impact themes: Start by choosing the causes that matter most to you. From tackling climate change to promoting health and well-being, inaam helps you identify the specific outcomes you want your money to support.
  • Define your action: Using our guided tools, you decide where you want to make a difference. These selections inform inaam exactly where to direct your money for measurable change.
  • Get curated portfolios: inaam curates diversified investment "buckets" tailored to meet your financial goals and your specific impact outcomes. We simplify the complexity, matching your desire for change with high-quality, impact-focused funds.

Create an investment portfolio without the endless "what now?" moments and finally feel confident that you're doing it right.

A note for the future 'you'

Impact investing is changing what it means to grow your money. It proves that strong financial returns and positive change can go hand in hand. Instead of chasing short-term gains, it's about using your capital to support the world you want to live in. At inaam, we are making that journey simple and clear. Our platform helps you see exactly where your money goes and the difference it makes, dollar for dollar.

Ready to start investing for good? Take our Money Values Quiz to see how inaam can help you take that first step.

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Learning Lab • 18 Sept

The Beginners Guide to Sustainable Investing (2025 edition)

Written by Adrian Samuel

$ YOUR JOURNEY STARTS HERE

In a world dealing with climate emergencies, rising inequality, and corporate scandal fatigue, more young Australians are looking at investing as a way to do more than just grow wealth. They want to grow change and that's where sustainable investing comes in.

Whether you're a complete beginner or someone who's toyed with the idea of investing ethically, this guide is here to help. No jargon, no stock-picking hype, just a plain English explainer on how to start sustainable investing in 2025, with real tools and real relevance.

What is Sustainable Investing?

Sustainable investing means choosing investments that take into account environmental, social, and governance (ESG) factors. It's about asking: what kind of businesses am I funding with my money?

Think renewable energy instead of fossil fuels. Think companies that support diversity instead of exploitative labour. Think technology that's solving global issues, not creating more of them.

But sustainability isn't just a buzzword. In 2025, it's a market driver. According to Bloomberg, ESG assets globally are on track to exceed US$50 trillion by 2025. In Australia, it's now mainstream, not niche.

Why It Matters in 2025

Let's look at what's happening around us:

  • Climate events are intensifying. Australia's recent floods and heatwaves have prompted urgent calls for green transitions.
  • Gen Z and Millennials are projected to control over 70% of disposable income by 2030, and they care about values.
  • Ethical superannuation funds are outperforming traditional peers.

This isn't about feeling good. It's about being ahead of the curve.

Sustainable vs Ethical vs Impact Investing

These terms often get jumbled. Here's a quick guide:

  • Sustainable Investing: Looks at how companies care for the environment, people, and good management (ESG), as well as their profits. It's often used in investment funds like ETFs, and it's not always about personal values. Sometimes it's just about reducing risk and finding stronger companies.
  • Ethical Investing: is when you choose investments that match your personal morals or beliefs. The main goal is to avoid putting money into industries or companies you see as harmful, such as tobacco, gambling, weapons, or fossil fuels. Instead, the focus is on supporting businesses that do less harm and act responsibly.
  • Impact Investing: Impact investing means putting money into businesses or projects that do measurable good for society or the environment while also earning a financial return.

Sustainability is the floor, not the ceiling. Use it to build portfolios, not define them.

How to Start Sustainable Investing (Even With $100)

Step 1: Pick a Platform

Look for investing platforms that support fractional investing and include ethical or sustainability filters. Choose one that aligns with your values and provides transparency on where your money is going.

Step 2: Set Your Budget

You don't need thousands to begin. Start with whatever amount fits your budget each month. Even $100 is plenty. What matters is consistency, not the size of your investment.

Step 3: Diversify

Avoid putting all your money in a single stock. Instead, use ETFs or building a mixed portfolio so that it spreads your risk. Here are some beginner friendly ETF's to include:

  • ETHI - Global ethical leaders
  • FAIR - Australian ethical fund

Step 4: Track Performance and Impact

Good platforms let you see not only your financial returns but also your real world impact, such as:

  • CO₂ emissions avoided
  • Jobs supported
  • Diversity and inclusion metrics

Sustainable Investment Themes for 2025

Investing in themes allows you to focus your money on the areas driving the biggest change in society and the economy, while still aiming for solid returns. Here are some suitable themes for your portfolio:

  • Clean energy: investing in solar, wind, and hydrogen to replace fossil fuels.
  • Circular economy: supporting recycling, re-use, and turning waste into energy.
  • Health equity: making healthcare more affordable and accessible for everyone.
  • Financial inclusion: giving more people access to banking, credit, and financial tools.
  • First Nations enterprise: backing Indigenous-led businesses to grow and strengthen communities.

Follow the impact, not the hype. Companies like Canadian Solar and Lemonade are examples of businesses that are not just growing fast, but also contributing meaningfully to global solutions.

What to Watch Out For

Greenwashing

Greenwashing is when a company or organization makes itself look more environmentally friendly than it really is. Some funds label themselves sustainable but hold shares in mining or big oil companies. Always check the actual holdings.

Short-Term Thinking

Sustainable investments may not deliver huge gains overnight. They often take longer to show results but that patience pays off with stronger resilience and ethical impact over time.

Risk Still Exists

Even ethical investments carry risks. It's important to research them carefully, just as you would with any other financial decision.

FAQs

  • Is sustainable investing profitable? Yes. Multiple reports, including from RIAA and Morningstar, show sustainable portfolios match or outperform traditional ones.
  • Can I invest through my super? Absolutely. Most super funds offer an ethical or sustainable option. Just ask.
  • Do I need a financial advisor? Not to start. But if your portfolio grows or you want personal advice, it's worth considering.
  • Will I sacrifice returns for values? Not necessarily. Research shows sustainable funds often perform as well as or better than traditional ones over time.

How inaam Helps

inaam makes sustainable investing simple and transparent. Instead of digging through complex reports, you get clear insights into which investments truly align with your values. We help you cut through greenwashing, focus on long-term opportunities, and understand the risks so you can invest with confidence. Best of all, inaam lets you track your real-world impact showing how your money contributes to cleaner energy, fairer work, and a more sustainable future.

Final Thought

Sustainable investing isn't a trend. It's a transition. And like any transition, it starts with a first step.

With the right tools, a curious mindset, and platforms that do the heavy lifting, you can grow your wealth without compromising your values.

If your money has power, make sure it's building the kind of world you actually want to live in.

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Learning Lab • 16 Sept

What Are Thematic ETFs?

Written by Adrian Samuel

CLEAN TECH HEALTH AI THEMATIC ETF One investment, many companies

Investing has evolved far beyond just picking individual stocks or broad market index funds. One of the most exciting developments in recent years has been the rise of thematic exchange-traded funds (ETFs). These funds allow investors to align their portfolios with long-term trends, disruptive innovations, and themes that reflect their personal beliefs about the future of the economy, technology, or society.

Understanding Thematic ETFs

A thematic ETF is an exchange-traded fund that invests in companies tied to a specific theme or trend, rather than focusing on a region (e.g., Australian shares) or a broad sector (e.g., healthcare). These themes are often based on long-term structural changes in the economy or society.

For example, a thematic ETF might focus on:

  • Clean energy (solar, wind, battery technology)
  • Artificial intelligence and robotics
  • Cybersecurity
  • Aging populations and healthcare innovation
  • Space exploration

Instead of holding a wide mix of unrelated companies, a thematic ETF narrows its scope to businesses directly connected to the chosen theme. Think of a thematic ETF like watching Netflix, you don't just watch one show - you get access to a whole collection built around a theme. For example, you might click on the "Sci-Fi & Fantasy" category. Inside, there's Stranger Things, Black Mirror, The Witcher, and a bunch of other titles that all fit the vibe.

That's what a thematic ETF does with investing. Instead of putting your money into just one company (like buying the stock of Stranger Things only), it groups together a bunch of companies tied to the same trend whether it's streaming, clean energy, or AI.

So buying a thematic ETF is like saying: "I don't just want one show, I want the whole category because I believe this theme is going to stay popular."

How Thematic ETFs Work

Like all ETFs, thematic ETFs are traded on stock exchanges just like individual stocks. Investors can buy and sell shares throughout the trading day, making them liquid and flexible.

The fund manager selects companies based on the theme, which could include:

  • Pure-play companies are businesses that are primarily focused on the theme itself. Their main products, services, and revenue streams come directly from that trend.
  • Supporting players are businesses that may not be fully centered on the theme but still benefit from it in important ways. They provide the tools, infrastructure, or complementary services that help the theme grow.

For example, the BetaShares Global Cybersecurity ETF (ASX: HACK) includes leading cybersecurity firms like CrowdStrike and Palo Alto Networks, but also exposure to broader tech providers that support secure digital ecosystems.

Benefits of Thematic ETFs

  • Targeted Exposure: Investors can focus on specific areas they believe will grow in the future.
  • Diversification Within a Theme: Unlike picking a single stock, thematic ETFs spread risk across multiple companies within the theme.
  • Accessibility: They provide exposure to complex or niche sectors without requiring deep expertise.
  • Alignment with Personal Values: Many investors like backing themes such as sustainability, innovation, or diversity.

Risks to Keep in Mind

While thematic ETFs can be exciting, they come with unique risks:

  • Concentration Risk: Because they zoom in on one theme, you don't get the same spread of companies that a broad index fund gives you.
  • Volatility: New or fast-changing themes, like space exploration or streaming, can rise and fall in value very quickly.
  • Hype Risk: Some themes get a lot of attention for a while but may not last in the long run.
  • Higher Fees: Thematic ETFs often charge slightly more in fees than traditional ETFs.

How to Evaluate a Thematic ETF

Not all thematic ETFs are created equal. You might find it useful if you add a short checklist on what to look for, such as:

  • Clarity of Theme: Is the theme well-defined and not overly broad?
  • Holdings Quality: Are the underlying companies true innovators, or just tangentially related?
  • Geographic Exposure: Some themes may be more prominent outside the U.S. (e.g., EV supply chains in Asia).
  • Fund Size and Liquidity: Larger ETFs with higher trading volume are usually more stable.
  • Expense Ratio: Compare costs across similar funds.

Who Should Consider Thematic ETFs?

Thematic ETFs may suit investors who:

  • Want to add growth potential through emerging trends.
  • Have high conviction about certain industries or innovations.
  • Are looking to complement a core portfolio of broad index funds with more targeted bets.

However, they may not be ideal as the foundation of a portfolio - rather, they work best as a satellite holding to add flavor and future-focused exposure.

How inaam Helps

At inaam, we use the concept of thematic ETFs as a way to align investing with what matters most to you. Instead of just looking at numbers, we start with your values whether that's sustainability, technology and healthcare innovation. From there, we match those values to themes and curate a custom micro-portfolio for you - consider it your personal thematic ETF generator!

Our goal is to make it easy for you to see how your money can follow the future you believe in. By breaking down each theme in simple terms and comparing investments side by side, inaam helps you build a portfolio that isn't just about returns, but also about reflecting who you are and what you stand for.

Final Thoughts

Thematic ETFs are an exciting way to invest in tomorrow's big ideas today. From renewable energy to artificial intelligence, they offer investors a chance to align their portfolios with innovation and long-term global shifts.

Still, like all investments, it's important to balance enthusiasm with caution. Do your research, understand the risks, and consider how a thematic ETF fits into your broader financial strategy.

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Learning Lab • 9 Sept

What is a PE Ratio and Why Should You Care?

Written by Adrian Samuel

P/E Share Price ÷ Earnings Per Share $10 ÷ $2 = 5 $ ÷ =

If you've ever looked at a stock chart and wondered, "What's a P/E?' you're not alone. For new investors, the Price-to-Earnings ratio (P/E) is one of the most misunderstood terms in finance. Yet, understanding it can help you decide whether a stock is overhyped, fairly valued, or even a hidden gem waiting to be discovered.

What is PE Ratio?

PE stands for Price-to-Earnings ratio. It's a measure of how much investors are willing to pay for each dollar of a company's earnings. In other words, it connects a company's stock price to its profits.

PE = Share Price / Earnings Per Share (EPS)

Example:

Let's say a company's share price is $10 and its Earnings per share (which is a key financial metric that shows how much profit a company makes for each share of its stock) is $2.

Its PE ratio is $10 / $2 = 5. That means investors are paying $5 for every $1 of earnings.

Why Does It Matter?

The P/E ratio is a quick snapshot of how the market values a company relative to its profits:

  • High PE means the stock looks "expensive" relative to its earnings. This could mean investors expect rapid growth in the future. But it might also mean the stock is overvalued.
  • Low PE might mean the stock looks "cheap". This could signal undervaluation and a bargain opportunity, or it could reflect deeper problems with the business.

What's a "Good" PE?

It depends on the industry:

  • Tech companies often trade at higher P/E ratios because investors expect strong innovation and growth.
  • Utilities and banks usually have lower P/Es because they grow more slowly and have steadier earnings.

The key is to compare a company's P/E to:

  • Industry peers: A company's P/E should be compared with others in the same industry. What looks expensive in one sector (like utilities) may be perfectly normal in another (like tech).
  • Historical average: It's useful to compare a company's current P/E with its own past levels, because a ratio much higher than its historical average may suggest strong growth expectations, while a lower-than-usual P/E could point to undervaluation or slowing performance.
  • The broader market: Comparing a company's P/E to the overall market average helps you see how it's valued in a wider context, with a higher ratio often reflecting stronger growth prospects and a lower ratio suggesting more stability or potential undervaluation.

Limitations

While useful, the P/E ratio has blind spots. It doesn't account for:

  • Future growth potential: A company may look expensive now but grow into its valuation later
  • Debt levels: A highly indebted company might look cheap but carry high risks.
  • Earnings consistency: Profits can go up and down. Volatile profits can make the ratio misleading.

Use P/E With Other Tools

P/E should never be your only measure. You can pair it with:

  • Growth forecasts: This means looking at how much a company's sales or profits are expected to grow in the future. It helps you figure out whether the current share price makes sense. If a stock looks expensive compared to today's profits (a high price-to-earnings ratio), that might be fine if earnings are expected to rise quickly. If growth looks slow, then the high price is harder to justify.
  • Debt ratios: Debt ratios show how much a company relies on borrowed money. A little debt can be helpful because it funds expansion, but too much can make a company vulnerable if profits fall or interest rates go up. These ratios are used to judge how financially healthy and stable a business is.
  • Industry comparisons: Companies need to be judged in the context of their industry. What's "normal" in one sector can look completely unusual in another. Airlines, for instance, usually carry heavy debt because planes are so expensive, while software firms often carry very little. Comparing a company's numbers to its peers helps you see if it's strong, weak, or average within its field.

How inaam helps

inaam ensures we teach you more terms such as P/E ratio on the Wiki page of our soon-to-be launched app so you can understand whether a stock aligns with your strategy and values. We help you to learn and grow continually just like your portfolios, so you stayed informed and secure throughout your financial journey.

Final Thought

The P/E ratio is just one number, but learning to read it can transform how you invest. It's not about chasing "cheap" or "expensive" stocks, but about understanding what the market is telling you and deciding if that story fits your goals.

Note: This is general information, not financial advice. Always do your own research or speak to a licensed advisor before investing.

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Learning Lab • 3 Sept

What Does "Sustainability" Actually Mean?

Written by Adrian Samuel

ENV ECON EQUITY THE THREE E's

We hear "sustainability" all the time, but it can feel like a vague buzzword. At its core, though, it is simple: sustainability is about balance - ensuring what we do today does not break tomorrow.

The Three E's: Environment, Economy, Equity

These three pillars, often called the Three E's, are the foundation of sustainability.

  • Environment: Protecting natural systems, biodiversity, and the climate, so future generations can thrive. This really means meeting today's needs without compromising tomorrow's - think of it as "living lightly on Earth."
  • Economy: Building systems that are resilient and lasting, not just chasing short-term profit. Profitable, yes, but in a way that supports long-term success for communities and businesses.
  • Equity: Fairness in how benefits and burdens are shared. It is about social justice and ensuring everyone, including the vulnerable and marginalised, can thrive.

This framework is not new. It traces back to the Bruntland Commission, which in 1987 defined sustainable development and inspired global efforts like Agenda 21.

Why It Matters: It Is More Than Just Recycling

Here is what it means in real life: if something helps the planet but exploits communities, it is not sustainable. If it boosts the economy but wrecks First Nations land, it is not sustainable either.

Even small choices like where your salmon bagel comes from or how your superannuation is invested can connect to all three pillars of sustainability. If the café takes care to ensure that the fish is ethically sourced, it speaks to environmental responsibility by protecting ecosystems and supporting sustainable fisheries. At the same time, the way the café treats its staff reflects the social pillar, demonstrating fairness, dignity, and respect in the workplace. On the financial side, your super fund plays a role in shaping the future economy, whether it channels investments into clean energy projects that drive the transition to renewables, or into coal and gas industries that lock in environmental harm. These everyday decisions, often taken for granted, actually ripple outward into environmental, social, and economic systems, showing how intertwined our values and consumption choices really are.

Your decisions, even the small ones, have ripple effects.

The Dirty Secret: Australian Banks and Fossil Fuel Financing

You might be doing everything right; cycling to work, cutting waste - but if your money is parked in a fossil-fuel-investing bank, it might be undoing your good intentions.

A report by Market Forces reveals Australia's big four banks - ANZ, NAB, Commonwealth Bank, and Westpac have loaned over AU$61 billion to fossil fuel companies since the Paris Agreement in 2015. That includes $3.6 billion in 2023 alone.

  • ANZ is the biggest contributor, lending over AU$20 billion to fossil fuel activities during this period.
  • NAB was the largest lender in 2023, extending AU$1.4 billion
  • Commonwealth Bank lent the least in 2023 - around AU$271 million - yet still supported projects like the Beetaloo Basin pipeline.
  • Westpac lent about AU$784 million, including AU$533 million directed toward companies expanding fossil fuels

These loans are estimated to have enabled the release of an additional 9 billion tonnes of CO₂. That is like wiping out Australia's emissions cuts for 2021 to 2030 21 times over.

What Should You Do? Divest, Switch, and Make Your Money Work for Good

Here is how to make your financial choices support sustainability:

Check your super fund

Super is often your largest investment pool. Market Forces estimates around AU$150 billion of Australians' retirement savings could be tied to climate-damaging companies. Use tools like comparison tools to find funds that exclude fossil fuels.

Switch to greener banking

Many Aussies stick with the big four without realising they are funding pollution. You can switch to banks or credit unions that do not invest in fossil fuels - or at least write to your current provider to demand better.

Invest with transparency and purpose

If you are into shares, ETFs, or managed funds, watch out for greenwashing. Check for certification from the Responsible Investment Association Australasia or the Ethical Advisers' Co‑op Leaf rating.

Use your power as a shareholder

You can buy into companies causing harm and push for change from the inside via platforms like the Sustainable Investment Exchange.

The good news? Ethical funds often perform well. The RIAA's 2024 report shows responsible investment funds outperformed mainstream ones by 3 percent over 10 years, 1.5 percent over five.

How inaam Can Help

Sustainability is all about making choices today that protect the planet, support people, and build a fair economy for tomorrow. inaam was built to help you invest in ethical companies that prioritise people and the planet. Even better, it tracks the impact of your investments so you can actually see how your choices are contributing to clean energy, fair wages, and a more sustainable future. With inaam, your money doesn't just grow, it creates change.

Final Word: Let Your Money Speak for the Future

Sustainability is not just about what is in your bin. It is ethics, it is economics, it is equity and it applies to your money too.

If you align your cash with clean energy, fair wages, and ethical investing, your dollars do not just sit. They speak.

This is not personal financial advice, it's just a nudge: when you look at money through the lens of the three E's, even a small switch can start making a big difference.

Note: This is general information, not financial advice. Always do your own research or speak to a licensed advisor before investing.

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Learning Lab • 28 Aug

What I Wish I Knew about Investing at 22

Written by Adrian Samuel

22 32 42 TIME IS YOUR SUPERPOWER

If you're in your early 20s, investing might feel like something future-you will worry about. But here's the truth: your 20s are one of the most powerful times to start. Not because you have loads of cash, but because you have something far more valuable - time.

This blog reflects on the key investing lessons most people wish they learned earlier. It's a candid guide for anyone just starting out in 2025.

Lesson 1: Starting Small Is Still Starting

You don't need to wait until you've saved thousands.

Thanks to fractional investing and zero-commission trading platforms now common in Australia, including inaam, getting started in investing is easier than ever. You can begin with as little as $20.

The key isn't the amount - it's the habit. Regular, small investments compound over time, turning spare change into serious money. That's the power of compound interest.

Lesson 2: Risk Isn't Always a Bad Word

At 22, time is on your side. That means you can take on more risk than someone approaching retirement. While "risk" sounds scary, in investing it often just means volatility, not necessarily losses. The way to manage that volatility? Diversification. Which is an investing strategy where you spread your money across a range of different assets (like shares, bonds, property, or even different industries and countries rather than putting it all into one. By spreading your investments across different assets, you reduce the chance of one bad bet derailing your progress.

Taking on some volatility in your 20s gives you the chance to capture higher long-term returns, because you've got the time to ride out the bumps.

Lesson 3: Understand Where Your Money Goes

Your money isn't sitting comfortably, its building the world. Every dollar invested is funding something, whether that's fossil fuels, renewable energy, fast fashion, or healthcare.

Most funds publish their holdings and impact reports. By learning how to read a fund's holdings and impact metrics, you can make informed choices about where your money works. For example, the Responsible Investment Association Australasia (RIAA) benchmarks which funds are truly responsible.

Lesson 4: Your Values Belong in Your Portfolio

There's a myth that investing is just about chasing returns, and that ethics don't matter. But you don't have to check your values at the door when you put your money to work. Ethical and impact investing has exploded in recent years, giving you more options than ever to support causes you care about like clean energy, gender equality, or affordable housing. Investments in companies like Canadian Solar or Patagonia show that you can back businesses making a difference and earn strong returns.

Investing isn't just about growing your net worth… it's about helping shape the future you want to live in.

Lesson 5: Avoid the Hype

From crypto crashes to TikTok investing tips, there's a lot of noise. One of the best things you can do at 22 is learn to think long-term.

The problem is, chasing the hype often leads to big losses and disappointment. Instead of chasing the next big thing, focus on a simple, diversified, and values-aligned strategy. It's less exciting, but far more effective. The best move you can make at 22? Think long-term. Instead of trying to outsmart the market, focus on a simple, diversified, values-aligned strategy and stick to it. History shows that "boring" investments (like index funds) often outperform the flashy picks over time.

Lesson 6: Ask Questions, Always

No one expects you to know everything about investing, especially not at 22. The smartest investors are the ones who keep asking questions, challenging what doesn't make sense, and building their knowledge step by step.

There are free, credible resources to start with: Ask questions, challenge what doesn't make sense, and build your literacy one step at a time.

How inaam Helps

At 22, your biggest advantage isn't your salary or savings…it's time. inaam was built to support young people in exactly this stage of life. Whether you're investing $20 or $500, the platform curates custom impact portfolios based on your values. It also shows you exactly how your investments are performing both financially and in terms of social or environmental impact. Beyond investing, inaam is designed to teach you the fundamentals of building wealth and making smart financial decisions, so you grow as an investor over time. Our goal is to give you the tools, knowledge, and opportunities to build long-term, sustainable returns while aligning your money with what matters most to you

Final Thought

The earlier you start investing, the more freedom you give your future self. Not just financial freedom, but the freedom to shape the world you want to live in.

At 22, you don't need to know everything. You just need to begin.

Note: This is general information, not financial advice. Always do your own research or speak to a licensed advisor before investing.

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Learning Lab • 22 Aug

EBITDA Explained for First-Time Investors

Written by Adrian Samuel

EBITDA Earnings Before Interest, Taxes, Depreciation and Amortisation -INT -TAX -DEP -AMO Pure Operating Profit

Heard the term EBITDA and tuned out? You're not alone. This confusing acronym actually holds some of the most important clues about how financially healthy a business really is. Let's break it down without the jargon.

What Does EBITDA Mean?

EBITDA Stands for 'Earnings Before Interest, Taxes, Depreciation, and Amortisation'. In plain English, it's a measure of how much money a company earns from its core operations before factoring in government taxes, debt repayments, or accounting adjustments.

Think of it as the "pure" profit number.

Example: The Fitness Studio

Imagine a boutique fitness studio that makes $1 million a year from memberships, training, and merchandise. After covering salaries, rent, equipment upkeep, and marketing, its operating costs total $600,000. That leaves an EBITDA of $400,000, showing how profitable the studio's core operations are before taxes or loan repayments.

For investors, this number makes it clear the studio is more than just popular with clients - it's financially strong and built for growth.

Why Use EBITDA and What's it Useful For?

It gives a clearer picture of how profitable a company is from its core operations - ignoring the noise.

  • Company Valuations: If we want to compare companies from different industries, such as Beyond Meat and ELF, we can use EBITDA to see which one is more profitable. Because EBITDA focuses only on earnings from a company's main operations, it strips away the effects of taxes, debt, and other financial factors.
  • Investment Decisions: EBITDA shows how efficiently a company runs its core operations, without being influenced by taxes, debt, or financial strategies that can make profits look higher or lower than they really are.
  • Growth Tracking: EBITDA is not only used to value businesses during acquisitions or investment decisions, but also to measure how a company's core operations are performing over time.

It's especially useful for start-ups or global businesses operating in countries with very different tax systems.

Formula: How to calculate it

There are two common ways to calculate EBITDA:

1. EBITDA = Revenue – Operating Expenses (excluding interest, taxes, depreciation, amortisation)
2. EBITDA = Net Income + Interest + Taxes + Depreciation + Amortisation

*Depreciation: spreading out the cost of physical things like machines or buildings as they wear out.

*Amortization: spreading out the cost of non-physical things like patents or software over time.

EBITDA Margin: Measuring Efficiency

EBITDA Margin = EBITDA / Total Revenue

This shows how good a company is at turning sales into profit. A higher margin is better because it means the company is keeping more money from its sales, showing it runs more efficiently.

Limitations

While EBITDA is helpful, it isn't perfect.

  • Doesn't assess debt repayments or tax burdens: A company might appear profitable on the surface, but in reality, a large portion of its earnings could be going toward paying off loans or covering its tax obligations.
  • It overlooks long term costs: EBITDA also ignores depreciation and amortization, which are ways of accounting for the wear and tear of assets over time.
  • It's not the same as cash flow: While EBITDA is often used as a shortcut to estimate cash flow, it isn't a true reflection of the money moving in and out of a business.

How Inaam Helps

Inaam we combine financial indicators like EBITDA with impact data. We will provide and incorporate the definition and real life reflection of what that amount is for each company in the portfolio. That way, you don't just see whether a company is making money, you also see how it makes money, and the broader social and environmental impact of its operations.

Final Thought

You don't need to be an accountant. By knowing this one metric, you can cut through complexity and get a clearer view of a company's true health - beyond the headlines.

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Learning Lab • 16 Aug

What is a Portfolio and Why Should Young Investors Care in 2025?

Written by Adrian Samuel

STOCKS ETFs CASH CRYPTO YOUR PORTFOLIO = YOUR MIX

Let's be real: if you've ever opened an investing app and seen the word "portfolio," you might have thought, "Cool, but what is that actually?"

A portfolio is one of those finance words that sounds complex but is actually very simple. Once you understand it, you can start building wealth in a way that reflects both your goals and your values.

So, What Is a Portfolio?

A portfolio is simply the collection of investments you own like stocks, crypto, property, bonds, cash, or ETFs. It's your personal mix of assets that grow in value over time and help you build wealth.

Think of it like a playlist: Instead of songs, you have shares in companies, ETFs, or other investments. You can mix it up with different "genres" including stocks, crypto, bonds, property, or even cash.

Why You Should Care (Even If You're Broke)

Your portfolio is basically your financial future in one snapshot. It shows where your money is working for you and whether it's set up to grow over time. It's pretty much the engine driving your financial future.

Portfolios are not just for finance professionals. If you have ever bought Bitcoin or put money into an investment app, you already have a portfolio.

What Makes a Good Portfolio?

  1. Diversified: Not putting all your money in one place. Spreading your money across different types of investments like stocks, bonds, crypto, or property.
  2. Aligned with goals: Are you saving for a house, or building long-term wealth? Your portfolio should match your timeline.
  3. Reflects your values: Money talks. Use ethical, impact, and climate-focused companies you care about.
  4. Trackable: You want to see how your money's doing, both your returns and the impact you're making.

Types of Assets in a Portfolio

  • Stocks: When you buy a stock, you're buying a tiny piece of a company.
  • ETFs: An ETF is like buying a playlist of stocks instead of just one song.
  • Superannuation: Your super isn't just retirement money sitting around. It's invested in different assets to grow for your future.
  • Bonds: Loans you give to governments or companies. They pay you interest and are usually more stable.
  • Crypto: Digital money like Bitcoin or Ethereum. High risk but some see it as a chance for big returns.
  • Property: Owning real estate. It can grow in value over time and may earn rental income.
  • Cash: Even money in a high-interest savings account counts as part of your portfolio.

How to Build a Portfolio in 2025

  • Step 1: Define Your Goals - Think about what you want to achieve with your investments.
  • Step 2: Pick the Right Platform - Choose an investing app or service that fits your needs.
  • Step 3: Invest Consistently - Set up a direct debit. Even small amounts add up.
  • Step 4: Monitor and Adapt - Check in quarterly. See what is performing well.

What are some Risks?

All investments carry risk. A well-diversified portfolio helps you manage that.

  • Market Fluctuations: What goes up can also come down. These dips are often temporary.
  • Overconfidence in One Theme: Putting all your money into a single type of investment is a big risk.
  • Platform Risks: Not all platforms are created equal. Research carefully.
  • Emotional Decisions: Don't panic sell when prices drop.

How Inaam Helps

Inaam lets you build your portfolio around on what matters the most to you. You choose your values, and it finds listed impact stocks from around the world that match. Inaam creates a balanced mix designed to grow your money while making a positive impact.

Final Thoughts

A portfolio is not just something fancy for older generations. It is your power tool.

Your portfolio is proof that your money means something. Do not just invest. Intentionally build.

Note: This is general information, not financial advice. Always do your own research or speak to a licensed advisor before investing.

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Learning Lab • 8 July

A Simple Guide to ETFs for New Investors

Written by Adrian Samuel

A B C D ETF Many companies, one investment INSTANT DIVERSIFICATION

Exchange-Traded Funds - ETFs for short - are one of the simplest ways for young Australians to invest. But what exactly are they, and how do you find ones that match your values?

What Is an ETF?

An ETF is like a shopping basket filled with investments - shares, bonds, or both - that you can buy and sell on the stock market. Instead of buying one company's shares, you get a slice of many at once.

Why ETFs Are Popular

  • Lower cost than buying individual shares
  • Instant diversification
  • Easy to access through most investing or trading platforms
  • Available in ethical or sustainable themes

Types of ETFs

  • Index ETFs: Track well-known indices like the ASX200 or S&P 500. Buying an Index ETF is like buying a little piece of all 500 companies at once, instead of picking just one.
  • Thematic ETFs: Focus on trends or industries such as clean energy, robotics, cybersecurity, or future mobility. Great if you want your investments to align with where you think the world is headed.
  • Ethical ETFs: Aim to include companies that meet certain social, environmental or governance standards. Try researching ethical ETFs such as FAIR, DBBF and ETHI.

Examples of Popular ETFs

  • VOO: Vanguard S&P 500 ETF
  • IVV: iShares Core S&P 500 ETF
  • QQQ: Invesco QQQ Trust Series 1 ETF
  • GRNV: VanEck MSCI Australian Sustainable Equity ETF

How to Start Investing in ETFs

  1. Pick a platform – Choose an investing app or broker that offers the ETFs you want.
  2. Decide your budget – Start with an amount you're comfortable with - even as little as $50.
  3. Set your timeframe – ETFs work best over years, not weeks, because of compound interest.
  4. Keep an eye on performance and fees – Occasionally check how your ETF is performing.

How to Evaluate an ETF

  • What's inside it? Look at the holdings and see what companies are inside it.
  • What's the fee? This is called the Management Expense Ratio (MER). This can eat into returns.
  • Does it match your values? See if it uses ESG, SRI, or Impact screening.

Beware of Greenwashing

Not all ethical ETFs are truly impactful. Some "ethical" ETFs still include questionable companies. Always look under the hood before investing.

How Inaam Helps

Instead of sifting through endless ETFs yourself, Inaam curates a portfolio for you. You tell us your values and we will build you a mix of impact-first investments, including ETFs where they make sense.

Final Thought

ETFs can be a smart, accessible first step into investing. Just make sure your ETF is as ethical as it claims to be.

Note: This is general information, not financial advice. Always do your own research or speak to a licensed advisor before investing.

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Learning Lab • 7 July

Impact Investing in Australia: A 2025 Guide for Young Investors

Written by Adrian Samuel

AUSTRALIA Impact + Returns INVESTING FOR GOOD, LOCALLY

Investing isn't just about returns anymore; it's about making a difference.

In 2025, Australian Gen Z and Millennials are leading a shift in investment priorities. They're not only seeking financial growth but also aiming to align their investments with their values. This approach, known as impact investing, focuses on generating positive social and environmental outcomes alongside financial returns.

What is Impact Investing?

Impact investing involves allocating funds to ventures that aim to produce measurable positive effects on society and the environment. This could include renewable energy projects, affordable housing initiatives, or companies promoting gender equality.

According to the Responsible Investment Association Australasia (RIAA), 88% of Australians expect their investments to be responsible and ethical, reflecting a growing trend towards responsible investing.

Why It Matters in 2025

With challenges like climate change and social inequality becoming more pressing, impact investing offers a way for individuals to contribute to solutions. Investors are increasingly looking for transparency and tangible results from their investments.

The global impact investment market is expanding rapidly, presenting opportunities for investors to support initiatives that align with their values.

Getting Started with Impact Investing

You don't need a large sum to begin. Here's how you can start:

1. Identify Your Values

Determine what causes matter most to you - be it environmental sustainability, social justice, or economic development. The United Nations Sustainable Development Goals (SDGs) can serve as a framework to guide your investment choices.

2. Choose the Right Investment Vehicles

Consider various options such as:

  • Ethical ETFs and Managed Funds: Funds like Australian Ethical's Managed Funds and BetaShares Australian Sustainability Leaders ETF (ASX: FAIR) focus on companies with strong ethical practices.
  • Direct Investments: Invest directly in companies or projects that align with your values.
  • Superannuation Funds: Review your super fund's investment options to ensure they reflect your ethical preferences.

Platforms like inaam are also emerging to help bridge this gap. Designed for young Australians, inaam is building a values-based investment platform that curates custom portfolios aligned to your ethics and tracks real-world impact like carbon saved or equality outcomes achieved.

3. Monitor the Impact

Utilize tools and frameworks to assess the social and environmental impact of your investments. Organizations like inaam and Impact Frontiers provide resources to help investors measure and manage impact effectively.

Real-World Example

Canadian Solar exemplifies a company making significant strides in sustainability. In 2023, they achieved substantial reductions in greenhouse gas emissions and energy usage, demonstrating a commitment to environmental responsibility.

Be Aware of Greenwashing

Not all investments labeled as "ethical" or "sustainable" meet rigorous standards. It's essential to research and verify the claims of investment products to avoid greenwashing. Look for certifications from reputable organizations and scrutinize the actual holdings of funds to ensure they align with your values.

Final Thoughts

Impact investing empowers young Australians to align their financial goals with their personal values, contributing to positive societal and environmental change. By starting with clear values, choosing appropriate investment vehicles, and diligently monitoring impact, investors can make meaningful contributions to the world while pursuing financial returns.

Note: This information is general in nature and does not constitute personal financial advice. Always consider seeking advice from a qualified financial advisor before making investment decisions.

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Frequently Asked Questions

Everything you need to know about investing with inaam.

inaam is a multi class, multi asset Unit Trust Fund. The Fund is a registered managed investment scheme: inaam Fund ARSN 691 614 132. The PDS for the Fund is issued by Primary Securities Ltd AFSL 224107. The investment manager is inaam Impact Investment Pty Ltd (inaam).

Think of it like a big shared piggy bank. Everyone puts their money in and together we invest in lots of different things like companies, farms, or clean energy projects, not just one type. That is what multi asset means.

We divide the fund into seven buckets, each focused on a theme like renewable energy or recycling. When you join, we build your own mix of five buckets based on what matters most to you. You can trust the process because it's like grandma's recipe but for your money.
You are investing in a curated mix of global listed companies that are publicly traded on major exchanges. The companies are chosen for their strong financial fundamentals such as profitability and resilience, their record of creating meaningful social or environmental impact, and their alignment with your values. We are not a trading app and we are not chasing fads. This is long-term investing with purpose.
Your returns come from growth in your investment units and dividends paid by companies in your portfolio. Track both financial returns and real-world impact in the app.
Overview of your investment in the fund based on your values, real-time performance tracking, impact metrics, goal-setting tools, and our Learning Lab. Invest monthly, pause anytime.
inaam is a Corporate Authorised Representative 1318254 of Non Correlated Advisors Pty Ltd AFSL 430126. inaam manages the Fund under an agreement with Primary Securities Ltd AFSL 224107.
There is a $10 per month (inc GST) platform fee.

That covers the portfolio curation, the app, the impact tracking, and access to the Learning Lab. We don't charge based on how much you invest. It is transparent and simple, just as it should be.

In the Fund itself, we don't charge any other fees based on how much you invest. There is a buy-sell spread of 0.1% when you invest and when you leave or withdraw from the fund.

Brokerage fees are paid by the Fund, not you. There is a performance fee if inaam invests well for you (this begins once the Fund has more than $10m or unless otherwise specified by the Investment Manager (inaam)). The Fund will pay expenses of the Fund if inaam fails to do so. All this is explained in the PDS. For a full explanation of the fees and costs of investing in the Fund refer to the PDS.
No. Everything we provide is general information only.

inaam doesn't know your full personal financial situation, so we can't give personal financial advice. If you're unsure, we always recommend speaking to a licensed financial adviser before making any big decisions.
Five impact themes: Health & Wellbeing, Renewable Energy, Waste & Recycling, Sustainable Agriculture, and Conscious Consumption. We tailor your portfolio to what matters most to you.
Once profitable, we commit to reinvesting up to 50% of our profits into youth employment, climate solutions, and community projects led by underrepresented Australians.

Privacy policy.

Last updated: 20 July 2025

At inaam, we care about your privacy and are committed to being transparent about how we collect and use your personal information. This policy outlines how we handle your data when you use our website or services.

If you have any questions, please contact us at hello@inaam.me.

1. Who We Are

inaam is a digital platform designed to help people make smarter financial decisions. We collect personal information to provide our services, improve your experience, and keep you informed if you choose to hear from us.

2. What We Collect

When you join our waitlist, we collect your name and email address so we can keep you updated about inaam's launch and services. We may collect personal information such as:

  • Your name
  • Email address
  • Phone number
  • Information you provide via forms
  • Usage data from your interaction with our website

We use cookies and analytics tools (like Google Analytics) to understand how visitors use our site.

3. How We Use Your Information

We use your information to:

  • Provide and improve our services
  • Respond to your queries
  • Send you updates or marketing content (only if you've opted in)
  • Understand how people use our site

4. Marketing and Consent

When you sign up to the inaam app waitlist, you are giving us express consent to send you marketing emails and updates about our services. You can withdraw your consent at any time by:

  • Clicking "unsubscribe" in any of our emails
  • Contacting us at hello@inaam.me

We never send marketing messages without your permission, and we won't use pre-checked boxes or bundled consent.

5. Who We Share It With

We may share your information with trusted service providers who help us operate our website, email platform, or analytics tools. We'll never sell your data, and we only share what's necessary.

6. Your Rights

You can ask us to access or correct the personal data we hold about you. Just email us at hello@inaam.me.

7. Cookies

We use cookies and similar technologies to improve your experience on our site. You can manage cookies in your browser settings.

8. Data Security

We take reasonable steps to protect your data from unauthorised access, loss, or misuse using secure systems and trusted third-party tools.

9. Changes to This Policy

We may update this policy from time to time. The latest version will always be available on this page with the "last updated" date at the top.

Health and Wellbeing

The Global Shift to Wellness

The Global Shift to Wellness

Health and wellbeing have become powerful global movements reshaping how we live, work, and spend. Good health is the foundation of thriving communities. From access to essential healthcare to innovations in mental wellbeing, this is about ensuring people everywhere can live longer, healthier, and happier lives.

From digital health platforms in remote regions to biotech breakthroughs in early disease detection, inspiring innovations are creating a world where wellbeing is within reach for all.

Why it matters to us?

At inaam, we believe that feeling healthy shapes everything people do. When communities have access to safer products, cleaner environments, and better medical innovation, they are able to learn, grow, and live with confidence.

By supporting companies that remove harmful ingredients, improve access to care, and bring breakthrough health technologies to more people, we help build a future where wellbeing is not a luxury, but something everyone can reach.

What's Impacting Everyday Health?

🧊

Microplastics

Small plastic particles that end up in our food, water and environment. They can enter the body and may contribute to long term health concerns. We support brands creating safer materials and reducing plastic exposure.

🦠

Viruses and Bacteria

Exposure to harmful pathogens continues to shape global health. Companies focused on prevention, hygiene and medical innovation help create safer and healthier communities.

⚠️

Carcinogens

Substances that increase the risk of cancer can appear in foods, beauty products and household goods. Inaam backs companies promoting transparency, cleaner formulas and stronger safety standards.

How do we create healthy impact?

At inaam, each company we invest in is evaluated through three key pillars of our impact methodology: Financial Robustness, Purposeful Impact, and Leadership Calibre & Intentionality. These pillars guide us in backing businesses that not only deliver strong returns but also improve lives and strengthen community wellbeing.

Example Companies

e.l.f.

eyes lips face

Clean, affordable beauty brand offering cosmetics and skincare. Headquartered in Oakland, California

Financial Robustness

Market Cap: USD 4.3 B

A fast-growing global beauty brand with solid financial performance and consistent market expansion, reflecting the strength and scalability Inaam seeks in all investments.

Purposeful Impact

e.l.f. promotes healthier self-expression through affordable, vegan, and cruelty-free beauty products — empowering individuals to feel confident and prioritise wellbeing without compromising their values.

Leadership Calibre & Intentionality

A forward-thinking leadership team with a strong commitment to transparency, inclusivity, and social impact. Their initiatives around clean beauty and accessible confidence align directly with our mission to foster holistic wellbeing.

novocure®

Novocure Limited

Global oncology firm developing Tumor Treating Fields for solid tumors. Headquartered in Switzerland.

Financial Robustness

Market Cap: USD 1.27 B

A global medical technology company developing breakthrough cancer treatments. Their financial resilience reflects strong demand and strategic progress in a critical healthcare space.

Purposeful Impact

Novocure's therapies provide new options for patients facing some of the most challenging cancers. Their work represents the type of life changing innovation at the heart of this theme.

Leadership Calibre and Intentionality

A mission driven team focused on advancing clinical research, improving patient outcomes and expanding access to transformative cancer care. Their commitment to scientific integrity aligns with Inaam's intention behind Health and Wellbeing.

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Renewable Energy

A Global Shift Toward Clean Power

A Global Shift Toward Clean Power

Clean energy is reshaping the global economy. Solar, wind and emerging green technologies are rapidly replacing older and more harmful energy sources. Countries are rewriting their climate policies, businesses are investing in low carbon solutions and households are choosing energy efficient lifestyles.

This transition has created one of the fastest growing economic movements of our time, supported by trillions of dollars in global investment. Renewable energy is not simply an environmental choice. It is a worldwide commitment to protecting communities, lowering pollution and building modern energy systems that can support future generations.

Why it matters to us?

A sustainable future depends on how we power the world. Renewable energy helps protect the environment, improves air quality and creates long term stability for communities everywhere.

For Inaam, this pillar represents the shift toward smarter, cleaner and more responsible living. Supporting companies that prioritise renewable power means helping build a world where energy is accessible, affordable and far less damaging to people and the planet.

What's Powering This Energy Shift

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Climate Change

Extreme weather, rising temperatures and environmental instability highlight the need for clean power. We back companies helping reduce emissions and slow global warming.

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Fossil Fuels

Oil, gas and coal remain major contributors to global pollution. Reducing dependence on these fuels is essential for long term environmental health.

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Industrial Pollution

Factories and industrial sites produce harmful contaminants that affect both ecosystems and communities. Renewable energy solutions help reduce these impacts and promote cleaner production.

How do we power cleaner futures?

At inaam, each company we invest in is evaluated through three key pillars of our impact methodology: Financial Robustness, Purposeful Impact, and Leadership Calibre & Intentionality. These pillars guide us in backing businesses that not only deliver strong returns but also improve lives and strengthen community wellbeing.

Example Companies

First Solar

U.S. based solar company specializing in cadmium-telluride thin-film PV modules and utility-scale solar projects. Headquartered in Tempe, Arizona

Financial Robustness

Market Cap: USD 27.53 B

A globally recognised solar technology leader with strong financial performance and stable long term growth.

Purposeful Impact

First Solar produces advanced photovoltaic panels using cleaner manufacturing processes. Their innovations help reduce emissions and bring renewable power to regions around the world.

Leadership Calibre and Intentionality

A sustainability focused leadership team dedicated to responsible production, transparency and driving global adoption of clean energy technologies.

BROOKFIELD RENEWABLE

Publicly traded limited partnership that owns and operates renewable power assets such as hydro, wind, solar, storage and sustainable energy solutions. Headquartered in Toronto, Ontario, Canada.

Financial Robustness

Market Cap: USD 8.29 B

One of the world's largest renewable power platforms, offering diversified, long term and stable financial performance across global markets.

Purposeful Impact

Brookfield develops and operates hydro, wind, solar and energy storage assets that deliver clean and reliable energy to millions of people. Their work supports the global shift away from fossil fuels.

Leadership Calibre and Intentionality

A mission driven leadership group committed to expanding renewable infrastructure, investing in sustainable innovation and accelerating the transition toward a low carbon future.

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Waste Recycling

Redesigned for a Circular Future

A Global Shift Toward Circular Living

Waste systems are being redesigned for a circular future. This pillar looks at how we reduce landfill, rethink single-use materials and tackle the growing challenge of electronic waste.

Around the world, people are becoming more aware of how everyday waste impacts the environment. From overflowing landfills to plastic in our oceans, there's a growing need for systems that focus on reuse, smarter design and responsible disposal.

Why it matters to us?

The way the world handles waste has a direct effect on our health, environment and future. Recycling is more than separating bins. It is about protecting ecosystems, reducing harmful pollution and rethinking the products we use every day.

For Inaam, this pillar represents the shift toward smarter consumption and circular thinking. Supporting companies that reduce waste means helping build a world where resources are valued and reused.

What's Driving Better Waste Solutions?

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Landfill

Landfills continue to overflow with materials that take decades to break down. We back companies finding ways to reduce landfill waste and create cleaner disposal systems.

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E-Waste

Electronics are one of the fastest growing waste streams worldwide. Companies that safely process and recover materials from old devices help limit toxic pollution.

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Single-Use Consumables

Disposable products such as plastics and packaging create significant pollution. Brands working on reusable or low impact alternatives help reduce this burden.

How do we support circular solutions?

At inaam, each company we invest in is evaluated through three key pillars of our impact methodology: Financial Robustness, Purposeful Impact, and Leadership Calibre & Intentionality. These pillars guide us in backing businesses that not only deliver strong returns but also reduce waste and protect our environment.

Example Companies

BIRKENSTOCK

German footwear brand known for orthopedic sandals and shoes. Headquartered in London.

Financial Robustness

Market Cap: USD 7.42 B

A heritage brand with strong financial performance built on quality and durability rather than fast fashion cycles.

Purposeful Impact

Birkenstock designs durable footwear made to last, reducing the need for frequent replacements. Their materials and long product lifecycle support responsible consumption.

Leadership Calibre and Intentionality

A leadership team committed to timeless design, quality craftsmanship and sustainable production practices that reduce overall waste.

CLEAN HARBORS

Environmental and industrial services provider handling hazardous waste and emergency response. Based in Norwell, Massachusetts.

Financial Robustness

Market Cap: USD 10.91 B

A financially strong environmental services leader with consistent growth in a critical industry.

Purposeful Impact

Clean Harbors manages hazardous waste, industrial byproducts and e-waste, helping protect communities from harmful materials and enabling proper recycling of dangerous substances.

Leadership Calibre and Intentionality

A mission driven team focused on environmental protection, safe waste handling and expanding recycling infrastructure across North America.

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Sustainable Agriculture

A Global Shift Toward Responsible Food Systems

A Global Shift Toward Responsible Food Systems

Around the world, consumers are paying more attention to where their food comes from and how it is produced. Rising concerns about animal welfare, soil degradation, water use and deforestation are pushing brands and governments to adopt more sustainable agricultural practices.

From regenerative farming to plant-based alternatives, this pillar explores how food systems can nourish people without depleting the planet.

Why it matters to us?

Food systems shape the health of people, animals and the planet. Sustainable agriculture helps protect ecosystems, supports farmers and ensures future generations have access to nutritious and responsibly produced food.

For Inaam, this pillar represents the shift toward ethical food production and conscious consumption. Supporting companies that prioritise sustainable farming means helping build a world where food is produced responsibly.

What's Driving the Shift in Agriculture?

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Water Pollution and Consumption

Agriculture is one of the largest users of freshwater. Runoff from farms also pollutes rivers and oceans. Companies that improve water efficiency help protect global water systems.

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Animal Cruelty

Traditional farming can involve harmful and unethical treatment of animals. We support companies developing alternatives that reduce suffering and promote humane practices.

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Deforestation

Large areas of forest are cleared to create farmland, harming ecosystems and wildlife. Solutions that reduce land pressure help slow this trend.

How do we support sustainable food systems?

At inaam, each company we invest in is evaluated through three key pillars of our impact methodology: Financial Robustness, Purposeful Impact, and Leadership Calibre & Intentionality. These pillars guide us in backing businesses that not only deliver strong returns but also transform how food is produced and consumed.

Example Companies

BEYOND MEAT ®

U.S.-based food technology company that produces plant-based meat alternatives. Headquartered in El Segundo, California.

Financial Robustness

Market Cap: USD 0.45 B

A pioneer in the plant-based protein space, navigating market challenges while maintaining a leadership position in sustainable food innovation.

Purposeful Impact

Beyond Meat reduces the environmental footprint of traditional agriculture by offering plant based alternatives that use significantly less land, water and energy while eliminating animal suffering.

Leadership Calibre and Intentionality

A mission driven team committed to transforming the global food system, reducing environmental impact and providing sustainable protein options for a growing population.

Elders

Australian agribusiness that provides products, services, and advice to support farmers. Headquartered in Adelaide, South Australia.

Financial Robustness

Market Cap: USD 1.47 B

A financially stable Australian agribusiness with over 180 years of history supporting farmers and rural communities.

Purposeful Impact

Elders supports farmers through sustainable land management, water efficiency programs and responsible agricultural practices that protect the land for future generations.

Leadership Calibre and Intentionality

A leadership team deeply connected to Australian agriculture, committed to helping farmers adopt sustainable practices while maintaining profitable operations.

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Sustainable Consumption

A Global Shift Toward Conscious Living

A Global Shift Toward Conscious Living

Consumers everywhere are rethinking the true cost of their everyday habits. From the rise of ethical fashion to the demand for cleaner ingredients and responsible packaging, people want products that match their values.

This pillar explores how everyday choices can drive meaningful change - from what we wear to how we travel to what we eat.

Why it matters to us?

The way people buy, use and dispose of products shapes the health of the planet and the wellbeing of communities. Sustainable consumption is about making choices that value longevity, quality and responsibility instead of convenience and waste.

For Inaam, this pillar represents the shift toward mindful consumption and ethical purchasing. Supporting companies that create better products means helping build a world where quality matters more than quantity.

What's Influencing Everyday Choices?

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Day to Day

From household goods to personal care, everyday products have a major environmental footprint. Brands creating reusable, low waste or cleaner alternatives help people live more sustainably.

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Fast Fashion

The rapid production of low cost clothing leads to high waste and poor working conditions. We support solutions that prioritise durability, ethical sourcing and circular design.

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Fast Food

Convenient food options often rely on unsustainable ingredients, packaging and supply chains. Companies promoting healthier, low impact meals help shift this trend.

How do we support conscious consumption?

At inaam, each company we invest in is evaluated through three key pillars of our impact methodology: Financial Robustness, Purposeful Impact, and Leadership Calibre & Intentionality. These pillars guide us in backing businesses that not only deliver strong returns but also transform how products are made and consumed.

Example Companies

BYD

Leading Chinese multinational specialising in electric vehicles, batteries and clean energy technologies. Headquartered in Shenzhen, China.

Financial Robustness

Market Cap: USD 124.98 B

One of the world's largest electric vehicle manufacturers with exceptional financial growth and global market expansion.

Purposeful Impact

BYD reduces reliance on fossil fuel based transportation through electric vehicles, batteries and energy storage systems, making sustainable transport accessible to millions.

Leadership Calibre and Intentionality

A visionary leadership team committed to accelerating the global transition to electric mobility and clean energy solutions.

allbirds

U.S. based footwear and apparel company known for its natural materials and low carbon design. Headquartered in San Francisco, California.

Financial Robustness

Market Cap: USD 0.45 B

A sustainability pioneer navigating market challenges while maintaining leadership in eco-friendly footwear innovation.

Purposeful Impact

Allbirds uses natural materials such as merino wool and sugarcane based foam to reduce environmental impact, proving that sustainable products can be comfortable and stylish.

Leadership Calibre and Intentionality

A mission driven team committed to transparency, carbon footprint labeling and proving that business can be a force for environmental good.

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