If you want to make a big difference in the world using your hard-earned money, you don’t have a lot of tools at your disposal if you’re not extremely wealthy.

But everyday people have an untapped multimillion-dollar advocacy opportunity staring them in the face each pay period: workplace retirement plans that haven’t added socially responsible investment funds.

Just 2.9 percent of 401(k) plans have even a single fund dedicated to environmental, social and governance issues, according to the Plan Sponsor Council of America’s most recent member survey. If your retirement money is not stashed in one of these so-called E.S.G. funds, you probably have invested in companies that extract or refine pollutants, mow down rain forests or mistreat people or animals. And that means that you’re endorsing their work with your dollars. Read Full Article - New York Times, January 10, 2020