These 6 points help you to harmonise money and values

Get clarity about your priorities, e.g. through questions about environmental protection, health, sustainable energies, consumer behaviour etc. - but also: What future developments do I want to be involved in?

Making your money work can also mean actively investing in new, innovative solutions for the future. These include megatrends such as population growth, urbanization, resource scarcity, automation, health, transport, etc. The UN's 17 sustainability goals and overviews of global megatrends can serve as inspiration.

Such a discussion can also take place as a family, with a partner or as an exchange with friends.

Defining what you don't want at all and then using this as a filter can help to sharpen the strategy and make it easier to select products, e.g. you can directly exclude certain industries, companies or practices. The three most popular exclusion criteria or private investors are violation of human rights, poor working conditions and deterioration of the environment.

This includes fundamental questions about financial planning, but also points such as:

• Should all my money be invested sustainably or only part of it?
• What expectations do I have regarding return? Various studies have shown that sustainable investments do not have a yield disadvantage - but they should fit your personal situation.
• How much risk am I willing to take? Investing sustainably can also reduce risks, e.g. because companies with bad practices are "filtered out". Studies show that real estate is the most common form of sustainable investment, with equities coming second.
• Do I want a direct, measurable social impact in addition to returns, as is the case with impact investing, for example?

Depending on the subject area and objective, additional knowledge can reveal new possibilities and ways forward. These could be rankings of sustainable companies or other sustainability indices. You can find an overview in this index database. There you can filter indices by country or category. Further sources of knowledge with in-depth information are, for example, the Global Sustainable Investment Alliance. Specialised financial providers and banks also offer knowledge forums and reports.

A review of your actual situation and, if necessary, adjustments can already achieve a great deal without having to immediately look for new financial products, e.g.:

• In Switzerland, how is my 3a pillar invested?
• In the UK, how are my ISAs invested?
• How does my pension fund invest the money and are there sustainable options?
• What investments do I have today, and do they still match my values?
• Do I have current donations to e.g. non-profit organizations and do they still fit?

A list of ideas

• Investment in specific industries, regions or even companies with corresponding products
• Sustainable ETFs and funds
• Develop a strategy and portfolio with specialists, e.g. with personal advice or a Robo-Advisor
• Crowdfunding - for projects or initiatives, e.g. Funders, Kickstarter
• Support social or innovative start-ups, e.g. as an angel investor or private lender
• Donations to charitable organizations
• Other possibilities such as social impact bonds

There is a huge range of possibilities. What and how depends on your personal situation and goals. What fascinates us about sustainable investments, apart from all the advantages, is the fact that you deal with the world and what is important to you.