Building Wealth that Aligns with Your Beliefs

More Australians are looking for ways to ensure their money reflects what matters most to them. Ethical and ESG-aligned (Environmental, Social, Governance) investing has become an increasingly important consideration – but knowing how to incorporate these preferences into a well-constructed portfolio isn’t always straightforward. That’s why understanding your options, and the role of quality advice, is so important.

Four out of five respondents to a 2024 survey wanted their investments to have a positive impact in the world.ⁱ

The survey, by the Responsible Investment Association Australasia (RIAA), found 79% of investors would be more likely to invest in funds or products that have been independently verified as responsible or ethical. Animal cruelty was a top concern for 66%, followed by human rights abuses – 60%, gambling –  56%, companies that don’t pay their fair share of tax – 55%, as well as tobacco, weapons and firearms all at 55%.ⁱⁱ

This growing interest in responsible investment saw assets under management in Australian funds rise 24% to more than $1.6 trillion in 2024.ⁱⁱⁱ

Meanwhile, a 2025 survey of 3,500 high net worth Australian investors found that sustainable investing is gaining traction as long as appropriate returns, clear risk and return profiles, and transparent performance reporting are in place.^iv

Adding value:

Aligning your investments with your values isn’t about changing the way you invest, it’s about adding an extra layer of meaning to the process, and shaping your portfolio to reflect what’s important to you.

For some, that might mean supporting companies that innovate responsibly or treat employees well. For others, it could mean avoiding industries that don’t align with their principles. There’s no single ‘right’ approach because your values are unique to you.

And here’s the reassuring part: investing with your values doesn’t mean sacrificing returns. Many businesses that operate with strong governance and long-term strategies, have shown to perform competitively over time. So, you can pursue financial growth while feeling confident that your money is working in ways that matter to you.

In fact, the RIAA noted in 2024 a ten-year return on RIAA-certified products of 13.9%, compared with 9.19% for the rest of the market (Australian share funds).^v

Of course, fundamental investment rules apply. Diversification is one of the keys to successful values-based investing. But it’s not about limiting your choices, it’s about finding the right mix of investments that meet both your financial and personal criteria.

A well-constructed portfolio can include companies across different sectors that align with your principles, while still delivering strong performance. This approach ensures you’re not only investing with purpose but also managing risk effectively.

Taking the first step:

If you’ve ever wondered whether your investments truly reflect your values, this is your opportunity to start exploring what’s possible. Begin by considering the principles that matter most to you, the industries you’d like to support or avoid, and how you personally define success.

From there, having the right guidance can make all the difference. At Clear Sky Financial, our advisers take the time to understand both your values and your long-term objectives. We can help you navigate ethical and ESG-aligned investment options where appropriate, assess trade-offs, and build a strategy that stays focused on delivering sustainable, long-term outcomes.

If aligning your investments with your values is important to you, we’re here to help. Get in touch with our Team to start the conversation, and take the first step towards a portfolio that reflects what matters most to you – without losing sight of your financial future.

i, ii From Values to Riches 2024: Charting consumer demand for responsible investing in Australia – Consumer Research

iii, v Record $1.6 trillion committed to responsible investing, but greenwashing remains a major concern – Media Release

iv New EY survey: Australian investors more likely to stick with their adviser, though shifting expectations are reshaping the wealth management landscape | EY – Australia

Important Information:

Clear Sky Financial Pty Ltd (ABN 36 634 263 148) is a Corporate Authorised Representative No.1299668 of InterPrac Financial Planning Pty Ltd (Australian Financial Services Licence Number 246638).

Clear Sky Finance Pty Ltd (ACN 679 620 716) is authorised under Australian Finance Group Ltd ACN 066 385 822, Australian Credit Licence 389087.

The information in this document is true and correct at the time of publication. It is general in nature and does not take into account your objectives, financial situation or needs. Before acting on this information, consider whether it is appropriate to you, and seek personalised advice where required.