How your pension can build a better world (ad)

Picture of a bird and a nest in a tree

Use your retirement nest egg to build a better world

Want to change the world? Use your pension.

This may seem a strange place to start.

Loads of people don’t even know their pension is invested in the stockmarket, let alone where. A pension is just some black box, sucking money out of payslips each month, which might possibly help pay the bills in some far distant future.

Yet right now more than £3 trillion is invested in UK pensions.


That’s a mind-bending amount of money, and it could make a massive difference to more than just your retirement.

It could destroy lives and damage the planet, by funding companies that produce things like tobacco, weapons, gambling and fossil fuels.

Or it could make a positive difference to society and the environment, by investing in things like clean energy, green transport, healthcare and companies that support human rights.

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Pinterest size image of bird and nest in a tree

So consider whether you want your pension to reflect your values. Maybe you’ve switched to reusable shopping bags, carry a refillable water bottle and recycle religiously – but do your investments match up?

Previous post: 10 simple swaps for plastic-free products around the house 

The Church of England was hauled over the coals when it turned out to be investing in Wonga, the payday lender. Panorama also revealed that Comic Relief used to invest the fundraising in weapons, fags and booze.

Individuals may also face a clash between their principles and their investments. One example cited by the Make My Money Matter campaign really resonated with me – the oncologist who discovered that her pension was invested in tobacco companies, and therefore her retirement savings might well kill more people than the lives she saved while working.

If you want your pension to make a positive difference, here’s what you can do:

Picture of a gate and a path over a field for my post on using your pension to build a better world

Your path to a greener pension

Check where your work pension is invested now

If you have a pension at work, dust off your log in details and check where it is invested.

Nowadays, most employers offer defined contribution pensions, and most of us just end up in the ‘default fund’, unless we actively choose a different option.

Previous post to help with pension jargon: What is a pension and why you should care 

If you’d like to know where your money is going, click around to find the name of the fund, and then the fund factsheet. That’s where you can see the investment objectives and lists of the top 10 holdings and biggest industry sectors.

Similarly, if you’re lucky enough to have a ‘defined benefit’ pension, often known as a final salary scheme, you should also be able to find a breakdown of the biggest investments.

Some workplace pensions have already moved towards more sustainable investing. Nest, for example, the workplace pension scheme set up by the Government which has more than 9 million members, confirmed that it became tobacco free earlier this year.

See if there’s an alternative that could make a difference

Many work pensions offer a choice of funds. The default fund everyone gets shoved into is unlikely to be world-changing.

However, you may also find the fund choices include a more ethical option, with environmental, sustainable and governance (ESG) aims.

Nest for example offers a Nest Ethical fund, designed for people with ‘specific concerns about the impact organisations have on the environment and society, in areas such as human rights and environmental damage’.

If you have a final salary scheme, you’re unlikely to have much choice – so move to the next step.

Tell your work

Maybe your workplace scheme doesn’t offer an ethical fund. Or maybe you’d like the default option or final salary scheme to be more sustainable.

If you care where your money is invested, do something about it.

Tell your employer. Contact HR. If your company has a specific mission and values, ask for the company pension scheme to share them.

Picture of a tea and cake in front of a woodburner

Investing free from fossil fuels

Check your private pension

Stuck with choosing your own pension, whether you’re self-employed or want something on top of your work scheme?

The good news is a private pension gives you more control about how your money is invested, and whether it’s invested ethically.

Basically, you face a couple of choices: a pension where you can pick your own investments and manage your own money, and a pension where you get someone else to do it for you.

Using a pension from an investment platform with thousands of funds and shares means you can pick out more sustainable options, from specialist funds to trackers that follow ethical indices. However, it could also cost more and take more work to manage in future.

Alternatively, you could opt for an easy life and pick a pension company that does it for you. Many of the new breed of online money managers, often called ‘robo advisers’, offer ethical options, where you just pick the level of risk you are comfortable with, and they take care of the rest.

Elsewhere, online pension provider PensionBee offers plans (affiliate link) including a Future World plan, which invests in companies that pledge to move to an environmentally-friendly economy, and engages with companies to change their business practices and reduce their carbon footprint.

PensionBee has also just launched a brand-new Fossil Free Fuel plan (affiliate link) which goes even further, by excluding fossil fuel producers. It avoids investing in companies with proven or probable reserves in oil, gas or coal and tobacco companies, manufacturers of controversial weapons, nuclear weapons and persistent violators of the UN Global Compact.

Find out more about PensionBee’s new Fossil Free Fuel Plan here (affiliate link)

Move your money

 Remember, if you don’t like the options available in your pension, you could always move your money.

It’s worth sticking with any pension scheme in your current job, to benefit from the free money added by your employer. Final salary schemes should usually be left well alone too.

But if you have old defined-contribution pensions hanging around, that don’t have valuable benefits like extra tax-fee cash, access at a younger age or guaranteed annuity rates, you could vote with your feet and move the money to a pension that offers ethical options.

Picture of acer leaves for my post on using your pension to build a better world

Choose your shade of green


What to watch out for

 In the past, investors were concerned that investing ethically was more risky, more expensive and might result in lower returns.


It’s true that typically ethical and sustainable investments tend to have higher fees than ordinary funds.

The process of screening out certain companies, challenging management to raise ESG standards, or selecting companies that make a positive difference, can all push charges up. However, the gap has narrowed in recent years.

Over at PensionBee for example, the Future World plan costs 0.95% a year all in, almost twice as much as the 0.5% for the lowest cost Tracker plan. However, the new Fossil Free Fuel plan is more cost effective, charging just 0.75% a year. 

You can also cut costs by saving more – if your pension pot is larger than £100,000, PensionBee halves the fee on savings above that amount.


 You don’t necessarily need to sacrifice good returns to support good causes.

In fact, research studies have repeatedly shown ethical investments have done rather well recently. For example, Good With Money found that sustainable funds have outperformed the sector average over the last five years, and throughout the coronavirus crisis.

Obviously, performance will depend on the specific investments you choose, and when investing there’s always a risk that you might get back less than you put in. But when stashing cash for retirement many years ahead, your pension contributions do have plenty of time to bounce back.

Shades of green

 Ethical and sustainable investing comes in many shades of green.

At one end, some funds put pressure on companies to behave more ethically and sustainably. Others refuse to invest in companies that do harm, knocking out investments that don’t pass their tests. At the other extreme, some funds choose companies that actively do good, such as generating clean energy or making products from recycled materials.

Always look behind any green/eco/ethical/environmentally friendly label, to see if the investment’s approach matches yours.

Where to find out more

If you’d like to find out more about sustainable investing, good places to start include the Good With Money website, Boring Money’s guide to sustainable and ESG investing and (if you really want to dive deep) Fund Eco Market’s fund selector tool. 

Now – over to you. Ever checked whether your pension matches your principles? Take control of your pension, and make your money matter!


This is a collaborative post with PensionBee

 PensionBee is authorised and regulated by the Financial Conduct Authority. With pensions, your capital is at risk. The value of your pension with PensionBee can go down as well as up and you may get back less than you started with.

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  37. Kelvin Starz
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  38. Richard Carlson
    13th August 2023 / 3:49 pm

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  39. Tina Rosemary
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  40. Nancy Mark
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  41. 18th August 2023 / 4:43 pm

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  42. Donna Charles
    18th August 2023 / 7:42 pm

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  43. Barbara William
    20th August 2023 / 11:18 pm

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  45. Olivia
    28th August 2023 / 1:04 am

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  46. Cheryl Edward
    28th August 2023 / 2:33 am

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  47. Gideon Otto
    28th August 2023 / 10:42 pm


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  48. 2nd September 2023 / 10:13 pm

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  49. Lisa Roger
    3rd September 2023 / 7:48 pm

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  50. Alvir Hernandes
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  51. 18th September 2023 / 4:47 pm

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  52. 21st September 2023 / 7:15 pm

    Fatima Barsan

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  53. 23rd September 2023 / 6:53 pm


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  54. 23rd September 2023 / 6:54 pm


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  55. Gayle Rollant
    5th October 2023 / 1:51 am

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  56. Gift Dee
    5th October 2023 / 10:28 pm

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  57. Recovery Intel
    8th October 2023 / 1:14 pm

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  58. Olivia Dolly
    19th October 2023 / 7:40 pm

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  59. Phillips Williams
    26th October 2023 / 11:59 pm

    was so dissatisfied to carry out necessary probing but i really wanted to leap on the crypto trading and investment aim. Unfortunately for me, I invested 53,450 GBP worth of bitcoin with a fraudulent company. I was delighted to observe my account increase to 230,200 GBP within a couple of weeks. But i didn’t realize i was dealing with a diddle company, until i tried to make an attempt to withdraw. I made a withdrawal request, and noticed my account was suddenly blocked for no apparent reason. I tried contacting their customer support, but all to no avail. I needed my money back at all cost, because I couldn’t afford to let it go. So i tried all possible means to make sure i recovered my scammed bitcoin. I did a lot of online search for help, and tried to see if there were other people who had any similar experience. I stumbled upon a cryptocurrency forum were a couple of people mentioned that they had been through the same process but were able to recover their lost cryptocurrency, funds with the help of CryptocyberNet at gmailcom. So i file a report and he was able to help me get back all my lost funds within 1 week i feel indebted to him. Apart from trying to express my gratitude to them once again using this medium, I will commend anybody who wants to recover scammed bitcoin, stolen cryptocurrency, funds lost to binary options forex, investment and any other form of online scam reach out to CryptocyberNet @ gmail . Com

  60. 27th October 2023 / 4:17 pm

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  61. Martin Aidan
    2nd November 2023 / 5:24 am

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  62. Bianca Colman
    2nd November 2023 / 8:59 pm


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  63. Latonia Powell
    2nd November 2023 / 11:25 pm

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  64. Jan Hellens
    3rd November 2023 / 7:42 pm

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  65. Harry Garnet
    3rd November 2023 / 10:45 pm

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  66. Leilah Abdullahi
    6th November 2023 / 8:03 pm

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  67. Sheila Hagan
    8th November 2023 / 6:25 am

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  68. 8th November 2023 / 6:23 pm

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  69. Raoult Anicette
    9th November 2023 / 10:57 am

    It all began innocently enough. One day, while enjoying a cup of tea and a scone (yes, I like to pretend I’m British sometimes), a tiny seed of doubt crept into my mind. Call it intuition or a sudden overdose of reality, but I couldn’t shake the feeling that something fishy was going on. Suddenly, my trust in my wife’s faithfulness took a nosedive faster than a rollercoaster ride. With my internal alarm bells ringing, I started to notice a few peculiar things. Late-night phone calls, suspicious whispers, and strange text messages that would make your grandma blush – the evidence was adding up. Panic ensued, and I knew I had to either confront my wife or take matters into my own hands. And let’s be honest, who can resist the temptation of playing detective. In my quest for answers, I stumbled upon a website called CYBERPUNK PROGRAMMERS. Now, I must admit, at first, I half expected Gandalf himself to pop up on the screen and perform a magic trick. But alas, it was a tech-savvy company offering phone hacking services for skeptical partners like me. CYBERPUNK PROGRAMMERS has a team of experts who know their way around the ins and outs of smartphones. No password or lock screen can stand in their way to ensure that the truth is uncovered. Email CYBERPUNK@PROGRAMMER.NET if your doubt is certain.

  70. McCrory Grove
    12th November 2023 / 8:14 pm

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  71. Frank Green
    12th November 2023 / 8:47 pm

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  72. 18th November 2023 / 2:43 pm

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  73. 19th November 2023 / 7:51 pm

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  75. Michele
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  77. 19th December 2023 / 10:51 pm

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  78. 5th January 2024 / 11:50 pm

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    6th January 2024 / 1:34 am


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  80. 9th January 2024 / 1:31 am


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  81. Chief Ben cook
    24th January 2024 / 10:39 pm

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  82. Ben Skiadas
    30th January 2024 / 11:20 pm

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    31st January 2024 / 11:54 pm

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  84. 8th February 2024 / 1:39 am

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  85. Mark Heltor
    9th February 2024 / 11:31 am

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  86. Gregory Sanders
    11th February 2024 / 6:24 pm

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  89. José Garcez
    24th February 2024 / 9:38 pm

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  90. Brittney Jean
    24th February 2024 / 10:37 pm

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  91. 24th February 2024 / 11:54 pm

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  92. Winnie Huffel
    25th February 2024 / 12:23 am


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  93. Jessica Aniston
    26th February 2024 / 3:34 pm


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    26th February 2024 / 10:36 pm

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    27th February 2024 / 5:17 pm

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  96. 15th April 2024 / 12:34 am

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  98. 19th April 2024 / 9:59 pm


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  99. Jordan Scarlett
    21st April 2024 / 4:02 pm

    I’ve read many stories about people recovering their funds after losing them to scammers and I thought it was another scam, but after losing all my funds to a cryptocurrency investment scam, I had no other choice but to research a recovery platform that can help me with the recovery of my funds. I stumbled upon Bitcoin Recovery Wizard online and contacted them immediately. I was very impressed by their service and how quickly they helped me recover my cryptocurrency funds. Truly their service is top-notch. I’m highly recommending them to everyone who wishes to recover their funds.


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  100. 21st April 2024 / 4:47 pm

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  101. 24th April 2024 / 4:46 pm

    I’m willing to talk about my experience investing in bitcoin. You can, however, get your stolen bitcoins back. I was taught that recovering bitcoin was impossible, therefore I never thought it was conceivable. I recently lost close to $195,000 after falling for a forex scam that promised absurdly large returns. I looked everywhere for assistance before finding a Recovery Nerds article online. When I contact Recovery Nerds, my excitement was once more total. Get in touch with Recovery Nerds as soon as possible. They are a registered hacking group that can help with a quick and efficient bitcoin recovery. Contact Recovery Nerds at:
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    25th April 2024 / 8:40 am

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  103. 25th April 2024 / 1:00 pm


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  104. 25th April 2024 / 8:22 pm

    Envision discovering one day that your 30,000 cryptocurrency coins, which you worked so hard to get, had disappeared without a trace. After realizing my cryptocurrency had been taken, that dread turned into a sad reality for me. The theft left me feeling helpless and vulnerable, unsure of where to turn or how to recover what was rightfully mine. Little did I know that my journey to reclaim my stolen crypto was about to take an unexpected turn. As soon as I discovered how big of a theft it was, panic struck. To stop more harm, I froze all of my accounts as soon as I reported the occurrence to the police. I reached out to law enforcement agencies and contacted various exchanges in a bid to trace my stolen crypto. However, the process proved to be more challenging than I had anticipated. Tracking the stolen crypto proved to be a daunting task, with the digital trail leading me in circles and dead ends. It seemed like reclaiming my lost assets was slipping further out of reach. Communicating with exchanges and authorities posed its own set of challenges, as I struggled to convey the urgency and complexity of my situation. It felt like I was speaking a different language in a foreign land. I searched the internet endlessly in a desperate attempt to find a solution that would help me get my stolen cryptocurrency back. I came into PRO WIZARD GIlBERT RECOVERY at that point since it looked to have a hopeful name. After thorough research and consultation, I learned that PRO WIZARD GIlBERT RECOVERY specialized in recovering stolen cryptocurrencies through advanced techniques and expertise. Could this be the key to unlocking my lost fortune? I felt as though I had discovered a ray of hope amid the shadows when I first contacted PRO WIZARD GIlBERT RECOVERY. They paid close attention, made all the appropriate inquiries, and carefully considered every aspect of the case. Watching PRO WIZARD GIlBERT RECOVERY swing into action felt like witnessing a digital magic show. Their expertise and precision in executing the recovery plan were nothing short of impressive. With every step taken, I could feel my stolen Crypto inching closer to being back in my possession. I was ecstatic to hear from PRO WIZARD GIlBERT RECOVERY that my 30,000 Crypto had been successfully restored. It was as exhilarating and relieving as winning the cryptocurrency lotto! The skill of their recovery approach allowed me to feel empowered again and regain control over my possessions. Email PRO WIZARD GIlBERT RECOVERY on: Email: prowizardgilbertrecovery(@)engineer .com And Telegram: @Pro_Wizard_Gilbert_Recovery

  105. 28th April 2024 / 11:13 pm


    In February I lost about 15 BTC and $105,000 worth USDT to a fake MT5 trading platform. I got lured to this trading platform with the intent to earn 15percent of my investment in each trade I thought it was a good trading platform not knowing they were sneaky and manipulating to take away all my funds. After weeks of being sad I found the best cryptocurrency recovery pundit at OPTIMISTIC HACKER GAUIS whom I hired and spoke to their support team about my situation. They requested for some certain information and they swing into actions immediately. To my surprise within 12 hours they were able to trace and track my stolen funds then subsequently they recover each and every penny of my money back to me without hassle or hidden charges. This is the best recovery specialist to hire to recover all your stuck, missing or scammed funds and digital assets. They are the real deal
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  106. Sharon Addy
    1st May 2024 / 11:58 pm


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  107. tom chenko
    8th May 2024 / 3:36 pm


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  108. Baily Castle
    8th May 2024 / 3:37 pm

    I was so impatient to carry out some necessary research about crypto training and investing buzz. Unfortunately for me, I invested 65,000 GBP worth of bitcoin with a fraudulent company. I was happy to watch my account grow to 240,000 GBP within a couple of weeks.
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  109. 16th May 2024 / 12:35 am

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  110. 16th May 2024 / 2:32 am

    BITCOIN RECOVERY; The Expertise of Captain WebGenesis in Retrieving scammed Cryptocurrency.

    I was involved in a bitcoin trading scam, I came across a company website that promised a big return on investment. I was completely sold. The website was excellent, and after much coaxing, I opted to invest 278,000 USD, which unfortunately ended up in the wrong hands. I was frustrated until I sought the counsel of a Crypto Expert CAPTAIN WEBGENESIS. I had no notion there were techniques for reclaiming stolen funds. I emailed the highly rated expert. I explained my case to Expert and provided all the required information and to my amazement, CAPTAIN WEBGENESIS refunded 90% of my BITCOIN to my wallet within a few working days, which I didn’t think was possible. I was startled as well as relieved.
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  111. Yanira Alvarez
    23rd May 2024 / 2:57 pm

    Real spell casters are hard to find but I am happy to thank Lord Krish for helping me win the lottery successfully after trying so many spell casters and I found my happiness in Lord Krish. I was given the lottery numbers by him which made me the third highest lottery winner in history and this is all thanks to you sir. Winning the lottery is something everyone would like to feel especially with a trustworthy spell caster. I, Yanira Alvarez, won the Powerball lottery in Los Angeles and I really thank Lord Krish because after I contacted him, he told me to only provide the spiritual items for him to do it for me and I didn’t hesitate to give him what he required so I could win it. I have tried so many spell casters who seemed real but only Lord Krish numbers gave me the winnings. I won the Powerball Jackpot of $1.08 billion and I am here today to share my experience to those willing to win the lottery as well. Take this opportunity to contact Lord Krish Spiritual with his email: and also share your experience with others.

The contents of this blog are for information and ideas, and should not be viewed as financial advice. Use of the material is conditional on there being no liability for how you choose to use it. If you are unsure about any investments or financial issues, please contact a financial adviser.