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Learn more.Your super should grow your retirement savings, not fund climate destruction.
While many super funds invest in industries fuelling the climate crisis, we look for solutions. So your money works to build a better future for you and the planet.
What's in
impactful investments creating systems change.
What's out
investments we believe to have harmful impacts on people or the planet.
In addition to investing for your financial benefit, the aim is to create systemic change through investment, by harnessing the power of your super to build a future without climate change or inequality.
Fossil fuels are hydrocarbon containing materials of biological origin occurring within the Earth’s crust and which can be used as a source of energy. This is coal, oil and gas. The investment manager sets a 0% threshold for direct exposure to fossil fuel companies in the investments, meaning all companies identified as owning fossil fuel reserves and/or engaged in the mining, extraction or burning of fossil fuels are screened out.
The portfolio is regularly reviewed to ensure compliance to the ethical screens. Assets will be removed from the portfolio if they no longer meet this standard.
Please see the PDS and How Super Works Guide for more information on how your money is invested.
Future Super is a division of the Smart Future Trust. The fund is legally overseen by Equity Trustees Superannuation Limited (ETSL), a corporate trustee responsible for managing the fund on behalf of members. With a board and dedicated staff, ETSL ensures everything is run with integrity and in line with regulations. Learn more about ETSL here.
Managing a super fund means looking after billions of dollars and thousands of members, while navigating strict rules and responsibilities.
That’s where Future Group Investment Management Pty Ltd (FGIM) comes in. Appointed by ETSL, FGIM leads the investment strategy and day-to-day management of the Future Super portfolio, ensuring your super is focused on building a future worth retiring into.
Want to know more? See who’s involved here.
Every investment has an impact on people, communities, and the planet. This investment approach is built on three core strategies designed to help create a more sustainable future.
It’s not just about what you invest in, it’s what you leave behind.
It’s not just about what you invest in, it’s what you leave behind. Future Group Investment Management uses a negative screening process, known as divestment, to exclude assets believed to be harmful, unsustainable, or a risk to your super and your future.
That means no exposure to fossil fuel companies, including those involved in extraction, financing, or support services like transport and infrastructure.
Divestment is a powerful tool for change. It cuts the social licence of polluting industries and sends a clear message to markets: it’s time to shift toward a cleaner, more sustainable economy.
As the world works to limit global warming to 1.5°C, many fossil fuel companies are expected to lose value. This approach helps protect long-term returns while supporting a future worth retiring into.
Reinvestment is a mechanism to create impactful change by redirecting divested money into more sustainable investments and impact opportunities.
The investment manager seeks to identify investment products that avoid or reduce harm. When these don't exist, They partner with like-minded investors to create them. Impact investments try to directly address climate change or inequality to realise the potential of divestment.
Driving change from the inside, the investment manager uses tools like voting and engagement to influence companies on key issues, from reducing climate impact to improving supply chains.
This happens through direct conversations, shareholder voting, and collaboration with other investors to push for meaningful progress where it matters most.
Want to know where your money goes? This is where you'll find every investment available through Future Super, and how much is allocated to each one. It's all here: transparent, ethical, and focused on building a future worth retiring into.
Every investment goes through a careful screening process to meet high ethical standards and support a cleaner, fairer future.
No matter which option you choose, your money avoids fossil fuel companies.
The tool below gives examples of the core negative screens in action. Click on each to see real examples of companies that don’t pass the screens.
All investments are screened to ensure they align with our documented values. The investment manager considers how each investment and asset class may have exposure to ethical risks or impact opportunities, as well as how they can work together to produce the best possible return. Therefore, adapting screening, stewardship and impact strategies for each investment leverages it for the best effect on climate change and equality while also reflecting broader investment and risk management strategies. Refer to the Screening Approach for specific thresholds for each screen.
Stewardship is an important part of the way your super can create change.
The investment manager votes on shareholder resolutions presented at investee Annual General Meetings (AGMs), and engages with companies throughout the year to improve their ESG policies.
