Save the future while saving for yours.
The first climate-friendly fund made for 401(k)s.





Save the future while saving for yours.
The first climate-friendly fund made for 401(k)s.
As seen on







That means
billion
is invested in fossil fuels just through 401(k)s.
Believe it or not,
of Americans with 401(k)s are invested in fossil fuels.

84%
of Americans are worried about climate change.
81%
didn’t know they’re investing in fossil fuels through their 401(k).
70%
are not happy their 401(k) is invested in fossil fuels when they find out.
Source: Pew Research, Sphere survey
401(k) investments in fossil fuels
Amounts invested in fossil fuels via company 401(k)s
Source: DOL

Together we are changing this.
For the first time, there’s a climate-friendly 401(k) option that employees at any company can invest in. It’s called SPFFX.
There are a lot of climate-friendly investment funds out there. There are even climate-friendly 401(k) plan platforms. But it can be really hard to get a climate-friendly investment option on the 401(k) platform that your company already uses. And switching 401(k) platforms can be a headache.
We created SPFFX to make it easy to add a climate-friendly option to every 401(k) and 403(b) plan. It offers a simple and transparent approach to sustainability, and it checks all the boxes that employers and plan providers look for when qualifying an investment fund for a 401(k) or 403(b) retirement savings plan.
We don't invest in fossil fuels
The first step in addressing climate change is to send a message to fossil fuel companies loud and clear: no more business as usual. It’s time for the status quo to change.
We do vote your shares for the planet.
Did you know that mutual funds vote on company shareholder proposals on your behalf? Most funds automatically vote however the board recommends. SPFFX votes for the planet.
A fund that checks all the boxes

Improved returns
Data shows that excluding fossil fuel companies—most of which are found in the S&P 500 Energy sector—can offer greater returns. With Sphere, you get a fund that aligns your values with your pocketbook.
S&P 500 without fossil fuels*
S&P 500
10 year returns
199%
178%
* Energy sector removed from the S&P 500. Source: S&P 500 Ex-Energy Index. Past performance is no guarantee future results.

Affordable
Environmentally-friendly funds often are priced at a premium. SPFFX is priced 10-30x lower than most climate-friendly funds, and is more in line with standard index funds. This pricing is intended to make it appropriate for 401(k) plans.
Expense ratio comparison
Sphere 500 Climate Fund (SPFFX)
A typical climate-friendly fund. Source
Source
Simple to start
SPFFX is designed to be added to existing 401(k) plans, so you don't have to switch providers to offer a climate-friendly choice.
The top 500 minus fossil fuels
SPFFX is the top 500 US companies by market capitalization, minus 86 companies. The independent non-profit As You Sow creates the list of fossil fuel, utility, and other companies that is excluded from the Sphere 500 Fossil-Free Index.
Learn more414 / 500
Holdings

