Fossil Fuel Pensions: Why your pension could be harming the planet

Are you worried that your pension is invested in fossil fuels? If you have a pension, you’re already looking after your and your family’s future. But unknowingly, your pension might be destroying the planet’s.

At The Path, we can help. We are the first financial advisers set up in the UK specifically to tackle the climate crisis.

Climate change is one of the biggest threats we face today. Your financial choices shouldn’t cost the earth. Join us and save the planet as you save for your retirement.


Many people’s savings are invested in FTSE 100 companies. But it’s widely recognised that a third of FTSE 100 stocks are damaging to the environment, investing in fossil fuels, oil and gas, airlines and other businesses contributing to greenhouse gases. What’s more, even ethical pensions might not do the good you think.

If you want to invest your pension to help tackle the climate crisis it’s important to know the difference between positive impact and ethical pensions.

Ethical Pensions Explained

An ‘ethical’ pension fund aims to achieve positive returns while screening out companies involved in harmful or exploitative activities. Ethical investing generally excludes investments such as alcohol, tobacco, armaments, gambling, and pornography. However, polluting companies that cause damage to the environment are often seen as acceptable in ethical investment portfolios.

At The Path, we can offer a better solution.


Our Positive Impact Pensions take place within an ethical framework, not only excluding companies that actively the planet or people, but purposefully investing with companies and funds that make a positive impact on the environment.

Our Positive Impact funds are compiled to strict criteria to ensure that your money is only invested in socially responsible companies that pass our social, environmental and ethical tests.

We can help you to clearly understand your pension options, take control of your money and invest it in line with your ethical values to get the best possible returns.


It seems to us that disinvesting from damaging and destructive companies is the only moral and practical choice. But far more impactful beyond that is reinvesting that money into clean and sustainable companies.

We think choosing a pension that will make a difference to the climate crisis makes good financial sense now, and that financial returns will only increase as concern about the climate intensifies. You will generally be exposed to investment in companies that are part of the solution and will be avoiding investments in companies that are part of the problem. So you will be aligned to the companies that are positioned for success and avoid those that are doomed to fail. For more on this see our blogs page.

The returns we offer are comparable to conventional funds. And we would expect the risks of investing where funds are causing damage to the environment will only increase in the coming months or years meaning it makes sense to look sooner rather than later at having investments that help the climate, rather than harm it.

We’re here to help the planet while at the same time ensuring that your savings grow – it doesn’t have to be one thing or the other.


We’ll arrange for you to meet or speak with one of our pension experts. Your adviser’s primary focus is to help you make the right financial decisions for you. Your adviser will consider your current wealth and financial circumstances, along with your life and financial goals, so that they can offer you the best pension advice possible.

This advice is not restricted to our products and services – it takes into account all of your circumstances, irrespective of whether they ultimately interact with The Path’s pension or investment proposition.

It might be that what we offer means The Path is not right for you – we will explain why this is the case and we will always try to point you in the right direction if we can’t help.

How easy is it to transfer my pension?

Transferring your existing pension to The Path is straightforward. Typically, it can take around 8 weeks for a pension transfer to complete. In some cases, this can be as long as 12 weeks. We can help you find where your existing pensions are held if you are not sure how to locate them.

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It seems inevitable that financial returns will be found in the solutions to the climate crisis. Not in the dying industries that are causing the problems.
David Macdonald, Founder, The Path

Risk warning:
As always with investments, your capital is at risk. The value of your investment can go down as well as up, and you may get back less than you invest. This information should not be regarded as financial advice.

The Path Financial Ltd. Registered in England. Company No. 11583740. Registered office address: The Path Financial Ltd, Watch Oak, Battle, TN33 0YD

Authorised and regulated by the Financial Conduct Authority.

The Path is entered on the Financial Services Register under reference 827270.

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

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