Save the future.
Save for yours.
Save the future.
Save for yours.
As seen on
1
We offer the first 401(k) climate impact platform.1
The average 401(k) has 33x more emissions than the company itself. The AtmoSphere helps sustainability teams measure the financed emissions from 401(k)s, report those emissions, and learn how to work with benefits teams to reduce those emissions.
Learn moreSource: Mercer—page 8
2
We run a climate-friendly fund made for 401(k)s.2
The Sphere 500 Climate Fund (SPFFX) tracks the Sphere 500 Fossil-Free Index. It invests in the biggest 500 US companies, minus fossil fuel companies. We vote our shares for climate action. It's designed to check the key boxes fiduciaries look for in a 401(k) offering.
Learn moreBelieve it or not,
of Americans with 401(k)s are invested in fossil fuels.3
That means
is invested in fossil fuels just through 401(k)s.
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
Together we are changing this.
It can be hard to get a climate-friendly investment option onto a 401(k) plan. The AtmoSphere platform helps sustainability teams understand how to reduce 401(k) emissions without having to change providers, and the Sphere 500 Climate Fund (SPFFX) is a climate-friendly fund option that can be added to existing retirement plans.
We created the Sphere 500 fund to offer a simple and transparent approach to sustainability that can check all the boxes that benefits teams look for when qualifying an investment fund for a 401(k) or 403(b) retirement savings plan.
We don't invest in oil & gas companies.
The first step in addressing climate change is to send a message to oil & gas companies loud and clear: no more business as usual. It’s time for the status quo to change.
We do reduce emissions.
The Sphere 500 Climate Fund has lower emissions than the S&P 500, because it excludes fossil fuel companies, which are the biggest contributor to global emissions.5
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 can check all the boxes.
Affordable
Environmentally-friendly funds often are priced at a premium(4). SPFFX is priced 8.5x 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
SourceSimple 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.
Platforms include:
See them allThe 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 more