Open an account with Carbon Collective

Are you a new member or an existing member?

is required

Are you a new member or an existing member? (required)

I'm new to Carbon Collective I'm already a memberYou already have an account with us

Before we start

To invest with us, you need all three

A valid US address (no PO boxes)
A valid US Social Security number
US citizenship, permanent residency, or one of these visas: E1, E2, E3, F1, G4, H1B, L1, O1 or TN1, valid for at least 90 days from the date you apply

First, a few details about you.

Use your legal name.

is required

Legal first name (required)

Legal last name (required)

Phone number (required)

Email (required)

Do you go by another name?

Preferred name (optional)

What is your home address?

US addresses only.

is required

Address (required)

Where you live. Altruist cannot open an account to a PO box.

Address line 2

City/Town (required)

State/Region/Province (required)

Two letters, e.g. CA

Zip/Post Code (required)

How do you want your money invested?

Learn more about the different portfolio options in our portfolio breakdown.

is required

How do you want your money invested? (required)

CoreMost similar to a typical index portfolio. Fossil fuel free and overweights climate solutions. Climate OnlyMost different from a typical index portfolio. 100% of your money invested in companies building climate solutions. CC YieldA mix of green and government bonds for generating yield. Not sure? Book a time with James

What are you saving for with this account?

This and the next two answers suggest a risk level for this account.

is required

What are you saving for with this account? (required)

Retirement Building wealth A large purchase An Emergency

How long until you expect to withdraw and use this investment?

is required

How long until you expect to withdraw and use this investment? (required)

1 year or less 1 to 3 years 3 to 10 years More than 10 years

What is your desired risk level for this account?

Unlike a bank account, investments can lose value. Lower risk means smaller drops. Higher risk means more room to grow, and to fall.

is required

What is your desired risk level for this account? (required)

Low Medium-Low Medium-High High

Avoid losses, even if growth is slowerGrow as much as possible, even with bigger swings

Bars are illustrative of relative ups and downs, not a projection of returns.

Are you open to some day-to-day volatility if it means your account has greater upside potential?

Green bonds pay a higher yield but carry more interest rate risk. If rates rise, their near-term value could fall.

is required

Are you open to some day-to-day volatility? (required)

Not reallyI want this account to rarely drop in value, even if it earns less. SomewhatI'm somewhere in the middle. DefinitelyI want more green bonds for higher potential yield and more of my money in green debt.

How long until you expect to withdraw and use this investment?

is required

How long until you expect to withdraw and use this investment? (required)

Less than 6 months 6-12 months Not sure, rainy day

How important is the climate impact of this account to you?

is required

How important is the climate impact of this account to you? (required)

Not very SomewhatIt's certainly important but not the main reason I'm adding a CC Yield account. A lotI want to see my funds generating as much climate impact as possible.

We believe the right CC Yield portfolio for you is % Green Bonds. Does that seem right for you?

Pick one. We marked the one your answers suggest.

is required

Select the portfolio you want assigned to your account (required)

Mostly Treasuries – 20% Green Bonds More Treasuries – 40% Green Bonds More Green – 60% Green Bonds Mostly Green – 80% Green Bonds

Mostly Treasuries – 20% Green Bonds

Green Bonds20%
Government Bonds79%
Cash1%

More Treasuries – 40% Green Bonds

Green Bonds40%
Government Bonds59%
Cash1%

More Green – 60% Green Bonds

Green Bonds60%
Government Bonds39%
Cash1%

Mostly Green – 80% Green Bonds

Green Bonds80%
Government Bonds19%
Cash1%

Choose a portfolio to see what is in it.

We believe the right Climate Only portfolio for your goal is . Does that seem right for you?

Pick one. We marked the one your answers suggest.

is required

Select the portfolio you want assigned to your account (required)

90/10 – Very Bold 80/20 – Bold 70/30 – Moderately Bold 60/40 – Moderately Cautious 50/50 – Cautious 40/60 – Very Cautious

90/10 – Very Bold

Climate Solution Stocks90%
Green Bonds9%
Cash1%

80/20 – Bold

Climate Solution Stocks80%
Green Bonds19%
Cash1%

70/30 – Moderately Bold

Climate Solution Stocks70%
Green Bonds29%
Cash1%

60/40 – Moderately Cautious

Climate Solution Stocks60%
Green Bonds39%
Cash1%

50/50 – Cautious

Climate Solution Stocks50%
Green Bonds49%
Cash1%

40/60 – Very Cautious

Climate Solution Stocks40%
Green Bonds59%
Cash1%

Choose a portfolio to see what is in it.

We believe the right Core portfolio for you is . Does that seem right for you?

Pick one. We marked the one your answers suggest.

is required

Select the portfolio you want assigned to your account (required)

90/10 – Very Bold 80/20 – Bold 70/30 – Moderately Bold 60/40 – Moderately Cautious 50/50 – Cautious 40/60 – Very Cautious

90/10 – Very Bold

Low-Carbon Sector Stocks73.7%
Climate Solution Stocks16.3%
Green Bonds5.9%
Government Bonds3.2%
Cash1%

80/20 – Bold

Low-Carbon Sector Stocks65.5%
Climate Solution Stocks14.5%
Green Bonds12.4%
Government Bonds6.7%
Cash1%

70/30 – Moderately Bold

Low-Carbon Sector Stocks57.3%
Climate Solution Stocks12.7%
Green Bonds18.9%
Government Bonds10.2%
Cash1%

60/40 – Moderately Cautious

Low-Carbon Sector Stocks49.1%
Climate Solution Stocks10.9%
Green Bonds25.4%
Government Bonds13.7%
Cash1%

50/50 – Cautious

Low-Carbon Sector Stocks40.9%
Climate Solution Stocks9.1%
Green Bonds31.9%
Government Bonds17.2%
Cash1%

40/60 – Very Cautious

Low-Carbon Sector Stocks32.8%
Climate Solution Stocks7.2%
Green Bonds38.4%
Government Bonds20.7%
Cash1%

Choose a portfolio to see what is in it.

A retirement account (IRA) or a general account (taxable)?

is required

What are you opening? (required)

Retirement (IRA) General brokerage (Taxable) Rolling over a 401(k) from a former employer

Who is this account for?

is required

Who is this account for? (required)

Individual accountJust me. Joint accountThere are two of us. Trust accountAn account for a legal trust.

What type of retirement account (IRA) do you want to open?

is required

What type of retirement account (IRA) do you want to open? (required)

Traditional IRAPay taxes on gains at retirement. Roth IRAPay taxes now but not on gains. SEP IRAIf you are self employed. SIMPLE IRAIf your employer offers it. Beneficiary IRAIf you inherited an IRA. Beneficiary Roth IRAIf you inherited a Roth. Rollover IRAOption to roll a 401(k) back to a 401(k). Not sure? Book a time with James

How do you want to fund this account?

is required

How do you want to fund this account? (required)

Depositing Cash Transfer existing investments Rolling over a 401(k) from a former employer

Do you pay more than 0.60% in combined fund fees and platform fees for your current 401k?

Our average combined fee is 0.60%. The most you could pay is 0.80%.

is required

Do you pay more than 0.60%? (required)

Yes No I don't know

Carbon Collective may be a more expensive platform than your current one.

If our climate focus is worth the extra cost to you, we may be a good fit. If not, consider other options.

is required

What would you like to do? (required)

I still want to roll my 401(k) into a Carbon Collective account. I am not sure, can I review my fees with a team member? I no longer want to roll my 401(k) into a Carbon Collective account.

Where to find what you are paying

It is on your statement

Add your provider's plan fee to your funds' expense ratios. Some plans also charge an administration fee. Investopedia has a guide to finding them.

Knowing the relative cost is important in determining if Carbon Collective is the right place for your old 401(k).

is required

What would you like to do? (required)

Can you help review my current fees? I dont mind if I end up paying more, I still want a Carbon Collective account.

Is your old 401(k) a regular 401(k) or a Roth 401(k)?

Regular (traditional) is the most common, and the default unless your statement says Roth.

is required

Which kind is it? (required)

I have a regular 401(k) - this is the most common! I have a Roth 401(k) I have both a regular and a Roth 401(k)They are two pots with different tax treatment, so they need two accounts. We will set both up. I'm not sure! I'll upload a recent statement so someone at Carbon Collective can help me out!

Keep it as a Rollover IRATick this only if you may want to move the money into a future employer's plan. It keeps that option open, and it means not mixing these funds with other IRA contributions.

Perfect. Here is what we will open.

What we will open

A regular 401(k) rolls into a Traditional IRA and a Roth 401(k) rolls into a Roth IRA, unless you asked us to keep it as a Rollover IRA. If you have both, we will open one of each. We confirm all of this before anything is opened.

Help us make your transfer easy by uploading your most recent statement.

Every provider handles rollovers differently. Your statement lets us check everything first.

is required

Your most recent statement (required)

A PDF or a photo of your latest 401(k) statement.

Choose a file or drag it here PDF, JPEG or PNG, up to 12 MB

Your partner's details

Use their legal name.

is required

Legal first name (required)

Legal last name (required)

Phone number (required)

Email (required)

They get their own invitation and have to accept it, so this cannot be yours.

Is their primary address the same as yours?

is required

Is their primary address the same as yours? (required)

Same Different

What is their address?

is required

Address (required)

City/Town (required)

State/Region/Province (required)

Zip/Post Code (required)

Do you have a Legal Trust already established?

Your trust must already be legally established before we can open its account.

is required

Is the Trust established? (required)

Yes, I've already established my Trust No, I'll come back when I've set up a Trust Take me back to Account Selection

Is anyone besides you a trustee? You add the trust's details after the account opens.

is required

Is anyone else a trustee? (required)

Yes No

What is the additional trustee's information?

is required

Legal first name (required)

Legal last name (required)

Phone number (required)

Email

Anyone else? (optional)

One name per line. Altruist allows up to nine trustees.

Is their primary address the same as yours?

is required

Is their primary address the same as yours? (required)

Same Different

What is the additional trustee's address?

is required

Address (required)

City/Town (required)

State/Region/Province (required)

Zip/Post Code (required)

Transferring an account, or adding cash?

is required

How are you funding it? (required)

Depositing cash Transfer existing investments

Help us make your transfer easy by uploading your most recent statement.

We move it digitally (ACAT) when we can, or send you a form. Only our team can see the file.

is required

Which firm is it at now?

Fidelity, Schwab, Vanguard, whoever holds it today.

Your most recent statement (required)

A PDF or a photo of your latest statement.

Choose a file or drag it here PDF, JPEG or PNG, up to 12 MB

Are you looking to move all of your funds to Carbon Collective (full transfer) or just some (partial transfer)?

is required

All of it, or part? (required)

Full Transfer Partial Transfer

How did you hear about us?

This really helps us learn where to focus on growing Carbon Collective.

Give some love! Who recommended you?

Please share the name of your friend, news source, newsletter, social media account, influencer, or podcast, where you first heard about Carbon Collective.

Who should we thank? (optional)

What is the name of your company?

We give a discount to folks with 401(k)s managed by Carbon Collective. If your company has a 401k with us, you get that discount!

Company name

We like to add new individual members to our monthly newsletter, where we cover investment news and talk about performance, all with a climate lens.

Most people really like it, but inbox hygiene is also important, so we want to respect that.

is required

Newsletter (required)

Keep me subscribed Opt me out please

Check your answers

Nothing has been sent yet. Change anything that is wrong, then submit.

Submitted

You’re in.
We’ll take it from here.

Here’s what happens next

We set up your account
We add new accounts every Monday and Thursday.
Watch for an Altruist invite
Check your inbox
Accept it to finish opening your account.
Fund your account
Add money or start a transfer in Altruist.

Book a time Open another account

James Questions in the meantime, or companies you want kept out of your portfolio? Email support@carboncollective.co.

Let's talk it through.

Nothing you have filled in is lost. We have your details and we will pick up where you left off, so book a time that suits you or wait for us to email.

Book a time

Looking forward to helping de-carbonize your investments!

An account can only be opened for a Trust that has already been legally established. We have kept what you entered, so come back when the Trust is set up and we will carry on from here.

You opted to not rollover your 401(k) to Carbon Collective.

If you selected this option because you are unsure about your fees or our process, you can book a time to talk with a team member below.

Book a time

Welcome back.

Taking you to the form for opening another account.

Open an additional account

Open an account with Carbon Collective

Are you a new member or an existing member?

Before we start

First, a few details about you.

Do you go by another name?

What is your home address?

How do you want your money invested?

What are you saving for with this account?

How long until you expect to withdraw and use this investment?

What is your desired risk level for this account?

Are you open to some day-to-day volatility if it means your account has greater upside potential?

How long until you expect to withdraw and use this investment?

How important is the climate impact of this account to you?

We believe the right CC Yield portfolio for you is % Green Bonds. Does that seem right for you?

We believe the right Climate Only portfolio for your goal is . Does that seem right for you?

We believe the right Core portfolio for you is . Does that seem right for you?

A retirement account (IRA) or a general account (taxable)?

Who is this account for?

What type of retirement account (IRA) do you want to open?

How do you want to fund this account?

Do you pay more than 0.60% in combined fund fees and platform fees for your current 401k?

Carbon Collective may be a more expensive platform than your current one.

Where to find what you are paying

Knowing the relative cost is important in determining if Carbon Collective is the right place for your old 401(k).

Is your old 401(k) a regular 401(k) or a Roth 401(k)?

Perfect. Here is what we will open.

Help us make your transfer easy by uploading your most recent statement.

Your partner's details

Is their primary address the same as yours?

What is their address?

Do you have a Legal Trust already established?

Is anyone besides you a trustee? You add the trust's details after the account opens.

What is the additional trustee's information?

Is their primary address the same as yours?

What is the additional trustee's address?

Transferring an account, or adding cash?

Help us make your transfer easy by uploading your most recent statement.

Are you looking to move all of your funds to Carbon Collective (full transfer) or just some (partial transfer)?

How did you hear about us?

Give some love! Who recommended you?

What is the name of your company?

We like to add new individual members to our monthly newsletter, where we cover investment news and talk about performance, all with a climate lens.

Check your answers

You’re in.We’ll take it from here.

Here’s what happens next

We set up your account

Watch for an Altruist invite

Fund your account

Let's talk it through.

Looking forward to helping de-carbonize your investments!

You opted to not rollover your 401(k) to Carbon Collective.

Welcome back.

You’re in.
We’ll take it from here.