Most people think their climate impact comes from things like driving an EV, installing solar panels, or reducing waste.

But what if the biggest climate impact you have is hidden inside your retirement account?

In this episode of Green Disruptors: Scaling the Future, Megan Kjar sits down with Ashwin Devnani, CTO and Chief Product Officer of Investiture, to explore one of the most overlooked levers in climate finance.

In the United States alone, nearly $10 trillion sits in employer-sponsored retirement accounts like 401(k)s. Most employees set them up once and rarely revisit them — but those investments may be funding industries that contribute heavily to carbon emissions.

Ashwin explains how Investiture is helping companies and employees understand the carbon footprint of their investment portfolios, and how simply reallocating a portion of those funds could unlock massive climate impact without sacrificing financial returns.

They also discuss:

• Why retirement investments are often called “zombie money”
• The hidden climate footprint of 401(k) and 403(b) plans
• Why service companies’ largest emissions may come from their investments
• How companies and employees can influence retirement fund options
• The opportunity to redirect even 10% of $10 trillion toward climate solutions
• The challenges startups face when disrupting large financial systems

This conversation highlights an important truth: solving climate change isn’t always about new capital — sometimes it’s about moving the money that already exists.

investature.com