ClimateSmart Target Date Funds.
A climate-focused compliment
to your existing TDF
ClimateSmart enables 401(k) plans to diversify around climate risk and opportunity:
Divest from oil and the sectors of the stock market that depend on the status quo fossil fuel system.
Reinvest that share into rapidly innovating climate solutions.
Broadly hold the rest of the global stock market.
Balance stocks against a combination of green and government bonds.
Portfolio visualiser
Portfolio type:
ClimateSmart TDF (2020 - 2040)
Climate solutions and the low-carbon economy.
Select portfolio:
Additional description for ClimateSmart TDF 2020 portfolio.
Visualiser:
39
%
Green Bonds
32.8
%
Low-Carbon Sector Stocks
21
%
Government Bonds
7.2
%
Climate Solution Stocks
ClimateSmart TDF
2020/Income
Detailed breakdown:
As of May 15, 2025.
Sector:
Green Bonds
Carbon Collective Short Duration Green Bond ETF
Ticker:
CCSB
Allocated:
39.00
%
CCSB is a collection of short duration green bonds that is actively managed by Artesian in partnership with Carbon Collective
Sector:
Technology
iShares Global Tech ETF
Ticker:
IXN
Allocated:
11.04
%
IXN passively track the largest tech companies around the globe
Sector:
US Gov Bonds
iShares 0-5 Year TIPS Bond ETF
Ticker:
STIP
Allocated:
9.00
%
STIP passively track a collection of inflation-protected US Treasury bonds
Sector:
Climate Solutions
Carbon Collective Climate Sol US Eq ETF
Ticker:
CCSO
Allocated:
7.24
%
CCSO holds US listed companies that generate >50% of their revenue from climate solutions.
Sector:
Non-US Gov Bonds
SPDR Int'l Treasury ETF
Ticker:
BWX
Allocated:
6.00
%
BWX passively track a collection of governmental bonds from non-US countries
Sector:
Healthcare
iShares Global Healthcare ETF
Ticker:
IXJ
Allocated:
4.49
%
IXJ passively track the largest healthcare companies around the globe
Sector:
Communications
iShares Global Comm Services ETF
Ticker:
IXP
Allocated:
3.53
%
IXP passively track the largest communications companies around the globe
Sector:
Consumer Discretionary
Fidelity MSCI Consumer Discret ETF
Ticker:
FDIS
Allocated:
3.08
%
FDIS passively tracks a collection of consumer discretionary companies listed on US exchanges.
Sector:
US Gov Bonds
SPDR® Portfolio Long Term Treasury ETF
Ticker:
SPTL
Allocated:
3.00
%
SPTL passively track a collection of US Treasury bonds with 10-30 years until maturity
Sector:
US Gov Bonds
Schwab Intermediate-Term US Trs ETF™
Ticker:
SCHR
Allocated:
3.00
%
SCHR passively track a collection of US Treasury bonds with 5-10 years until maturity
Sector:
Consumer Staples
iShares Global Consumer Staples ETF
Ticker:
KXI
Allocated:
2.43
%
KXI passively tracks a collection of the largest consumer staples companies around the globe.
Sector:
Financials
iShares MSCI Europe Financials ETF
Ticker:
EUFN
Allocated:
2.43
%
iShares manages this fund
Sector:
Financials
SPDR® S&P Regional Banking ETF
Ticker:
KRE
Allocated:
1.21
%
KRE passively tracks an index of regional banks listed on US exchanges
Sector:
Financials
SPDR® S&P Insurance ETF
Ticker:
KIE
Allocated:
1.21
%
KIE passively tracks an index of insurance companies listed on US exchanges
Sector:
Financials
SPDR® S&P Capital Markets ETF
Ticker:
KCE
Allocated:
1.21
%
KCE passively tracks an index of capital markets companies listed on US exchanges
Sector:
Real Estate
Vert Global Sustainable Real Estate ETF
Ticker:
VGSR
Allocated:
1.10
%
VGSR invests in global REITs, but excludes those with higher levels of climate-related risks.
Sector:
Consumer Discretionary
Global X MSCI China Consumer Discretionary ETF
Ticker:
CHIQ
Allocated:
1.03
%
CHIQ tracks an index of consumer discretionary companies (like EV manufacturers) in China.
Additional description for ClimateSmart TDF 2025 portfolio.
Visualiser:
40.9
%
Low-Carbon Sector Stocks
32.5
%
Green Bonds
17.5
%
Government Bonds
9.1
%
Climate Solution Stocks
ClimateSmart TDF
2025
Detailed breakdown:
As of May 15, 2025.
Sector:
Green Bonds
Carbon Collective Short Duration Green Bond ETF
Ticker:
CCSB
Allocated:
32.50
%
CCSB is a collection of short duration green bonds that is actively managed by Artesian in partnership with Carbon Collective
Sector:
Technology
iShares Global Tech ETF
Ticker:
IXN
Allocated:
13.80
%
IXN passively track the largest tech companies around the globe
Sector:
Climate Solutions
Carbon Collective Climate Sol US Eq ETF
Ticker:
CCSO
Allocated:
9.06
%
CCSO holds US listed companies that generate >50% of their revenue from climate solutions.
Sector:
US Gov Bonds
iShares 0-5 Year TIPS Bond ETF
Ticker:
STIP
Allocated:
7.50
%
STIP passively track a collection of inflation-protected US Treasury bonds
Sector:
Healthcare
iShares Global Healthcare ETF
Ticker:
IXJ
Allocated:
5.61
%
IXJ passively track the largest healthcare companies around the globe
Sector:
Non-US Gov Bonds
SPDR Int'l Treasury ETF
Ticker:
BWX
Allocated:
5.00
%
BWX passively track a collection of governmental bonds from non-US countries
Sector:
Communications
iShares Global Comm Services ETF
Ticker:
IXP
Allocated:
4.41
%
IXP passively track the largest communications companies around the globe
Sector:
Consumer Discretionary
Fidelity MSCI Consumer Discret ETF
Ticker:
FDIS
Allocated:
3.84
%
FDIS passively tracks a collection of consumer discretionary companies listed on US exchanges.
Sector:
Consumer Staples
iShares Global Consumer Staples ETF
Ticker:
KXI
Allocated:
3.03
%
KXI passively tracks a collection of the largest consumer staples companies around the globe.
Sector:
Financials
iShares MSCI Europe Financials ETF
Ticker:
EUFN
Allocated:
3.03
%
iShares manages this fund
Sector:
US Gov Bonds
SPDR® Portfolio Long Term Treasury ETF
Ticker:
SPTL
Allocated:
2.50
%
SPTL passively track a collection of US Treasury bonds with 10-30 years until maturity
Sector:
US Gov Bonds
Schwab Intermediate-Term US Trs ETF™
Ticker:
SCHR
Allocated:
2.50
%
SCHR passively track a collection of US Treasury bonds with 5-10 years until maturity
Sector:
Financials
SPDR® S&P Regional Banking ETF
Ticker:
KRE
Allocated:
1.52
%
KRE passively tracks an index of regional banks listed on US exchanges
Sector:
Financials
SPDR® S&P Insurance ETF
Ticker:
KIE
Allocated:
1.52
%
KIE passively tracks an index of insurance companies listed on US exchanges
Sector:
Financials
SPDR® S&P Capital Markets ETF
Ticker:
KCE
Allocated:
1.52
%
KCE passively tracks an index of capital markets companies listed on US exchanges
Sector:
Real Estate
Vert Global Sustainable Real Estate ETF
Ticker:
VGSR
Allocated:
1.38
%
VGSR invests in global REITs, but excludes those with higher levels of climate-related risks.
Sector:
Consumer Discretionary
Global X MSCI China Consumer Discretionary ETF
Ticker:
CHIQ
Allocated:
1.28
%
CHIQ tracks an index of consumer discretionary companies (like EV manufacturers) in China.
Additional description for ClimateSmart TDF 2030 portfolio.
Visualiser:
49.1
%
Low-Carbon Sector Stocks
26
%
Green Bonds
14
%
Government Bonds
10.9
%
Climate Solution Stocks
ClimateSmart TDF
2030
Detailed breakdown:
As of May 15, 2025.
Sector:
Green Bonds
Carbon Collective Short Duration Green Bond ETF
Ticker:
CCSB
Allocated:
26.00
%
CCSB is a collection of short duration green bonds that is actively managed by Artesian in partnership with Carbon Collective
Sector:
Technology
iShares Global Tech ETF
Ticker:
IXN
Allocated:
16.56
%
IXN passively track the largest tech companies around the globe
Sector:
Climate Solutions
Carbon Collective Climate Sol US Eq ETF
Ticker:
CCSO
Allocated:
10.87
%
CCSO holds US listed companies that generate >50% of their revenue from climate solutions.
Sector:
Healthcare
iShares Global Healthcare ETF
Ticker:
IXJ
Allocated:
6.74
%
IXJ passively track the largest healthcare companies around the globe
Sector:
US Gov Bonds
iShares 0-5 Year TIPS Bond ETF
Ticker:
STIP
Allocated:
6.00
%
STIP passively track a collection of inflation-protected US Treasury bonds
Sector:
Communications
iShares Global Comm Services ETF
Ticker:
IXP
Allocated:
5.29
%
IXP passively track the largest communications companies around the globe
Sector:
Consumer Discretionary
Fidelity MSCI Consumer Discret ETF
Ticker:
FDIS
Allocated:
4.61
%
FDIS passively tracks a collection of consumer discretionary companies listed on US exchanges.
Sector:
Non-US Gov Bonds
SPDR Int'l Treasury ETF
Ticker:
BWX
Allocated:
4.00
%
BWX passively track a collection of governmental bonds from non-US countries
Sector:
Consumer Staples
iShares Global Consumer Staples ETF
Ticker:
KXI
Allocated:
3.64
%
KXI passively tracks a collection of the largest consumer staples companies around the globe.
Sector:
Financials
iShares MSCI Europe Financials ETF
Ticker:
EUFN
Allocated:
3.64
%
iShares manages this fund
Sector:
US Gov Bonds
SPDR® Portfolio Long Term Treasury ETF
Ticker:
SPTL
Allocated:
2.00
%
SPTL passively track a collection of US Treasury bonds with 10-30 years until maturity
Sector:
US Gov Bonds
Schwab Intermediate-Term US Trs ETF™
Ticker:
SCHR
Allocated:
2.00
%
SCHR passively track a collection of US Treasury bonds with 5-10 years until maturity
Sector:
Financials
SPDR® S&P Regional Banking ETF
Ticker:
KRE
Allocated:
1.82
%
KRE passively tracks an index of regional banks listed on US exchanges
Sector:
Financials
SPDR® S&P Insurance ETF
Ticker:
KIE
Allocated:
1.82
%
KIE passively tracks an index of insurance companies listed on US exchanges
Sector:
Financials
SPDR® S&P Capital Markets ETF
Ticker:
KCE
Allocated:
1.82
%
KCE passively tracks an index of capital markets companies listed on US exchanges
Sector:
Real Estate
Vert Global Sustainable Real Estate ETF
Ticker:
VGSR
Allocated:
1.65
%
VGSR invests in global REITs, but excludes those with higher levels of climate-related risks.
Sector:
Consumer Discretionary
Global X MSCI China Consumer Discretionary ETF
Ticker:
CHIQ
Allocated:
1.54
%
CHIQ tracks an index of consumer discretionary companies (like EV manufacturers) in China.
Additional description for ClimateSmart TDF 2035 portfolio.
Visualiser:
57.3
%
Low-Carbon Sector Stocks
19.5
%
Green Bonds
12.7
%
Climate Solution Stocks
10.5
%
Government Bonds
ClimateSmart TDF
2035
Detailed breakdown:
As of May 15, 2025.
Sector:
Green Bonds
Carbon Collective Short Duration Green Bond ETF
Ticker:
CCSB
Allocated:
19.50
%
CCSB is a collection of short duration green bonds that is actively managed by Artesian in partnership with Carbon Collective
Sector:
Technology
iShares Global Tech ETF
Ticker:
IXN
Allocated:
19.32
%
IXN passively track the largest tech companies around the globe
Sector:
Climate Solutions
Carbon Collective Climate Sol US Eq ETF
Ticker:
CCSO
Allocated:
12.68
%
CCSO holds US listed companies that generate >50% of their revenue from climate solutions.
Sector:
Healthcare
iShares Global Healthcare ETF
Ticker:
IXJ
Allocated:
7.86
%
IXJ passively track the largest healthcare companies around the globe
Sector:
Communications
iShares Global Comm Services ETF
Ticker:
IXP
Allocated:
6.18
%
IXP passively track the largest communications companies around the globe
Sector:
Consumer Discretionary
Fidelity MSCI Consumer Discret ETF
Ticker:
FDIS
Allocated:
5.38
%
FDIS passively tracks a collection of consumer discretionary companies listed on US exchanges.
Sector:
US Gov Bonds
iShares 0-5 Year TIPS Bond ETF
Ticker:
STIP
Allocated:
4.50
%
STIP passively track a collection of inflation-protected US Treasury bonds
Sector:
Consumer Staples
iShares Global Consumer Staples ETF
Ticker:
KXI
Allocated:
4.25
%
KXI passively tracks a collection of the largest consumer staples companies around the globe.
Sector:
Financials
iShares MSCI Europe Financials ETF
Ticker:
EUFN
Allocated:
4.25
%
iShares manages this fund
Sector:
Non-US Gov Bonds
SPDR Int'l Treasury ETF
Ticker:
BWX
Allocated:
3.00
%
BWX passively track a collection of governmental bonds from non-US countries
Sector:
Financials
SPDR® S&P Regional Banking ETF
Ticker:
KRE
Allocated:
2.12
%
KRE passively tracks an index of regional banks listed on US exchanges
Sector:
Financials
SPDR® S&P Insurance ETF
Ticker:
KIE
Allocated:
2.12
%
KIE passively tracks an index of insurance companies listed on US exchanges
Sector:
Financials
SPDR® S&P Capital Markets ETF
Ticker:
KCE
Allocated:
2.12
%
KCE passively tracks an index of capital markets companies listed on US exchanges
Sector:
Real Estate
Vert Global Sustainable Real Estate ETF
Ticker:
VGSR
Allocated:
1.93
%
VGSR invests in global REITs, but excludes those with higher levels of climate-related risks.
Sector:
Consumer Discretionary
Global X MSCI China Consumer Discretionary ETF
Ticker:
CHIQ
Allocated:
1.79
%
CHIQ tracks an index of consumer discretionary companies (like EV manufacturers) in China.
Sector:
US Gov Bonds
SPDR® Portfolio Long Term Treasury ETF
Ticker:
SPTL
Allocated:
1.50
%
SPTL passively track a collection of US Treasury bonds with 10-30 years until maturity
Sector:
US Gov Bonds
Schwab Intermediate-Term US Trs ETF™
Ticker:
SCHR
Allocated:
1.50
%
SCHR passively track a collection of US Treasury bonds with 5-10 years until maturity
Additional description for ClimateSmart TDF 2040 portfolio.
Visualiser:
65.5
%
Low-Carbon Sector Stocks
14.5
%
Climate Solution Stocks
13
%
Green Bonds
7
%
Government Bonds
ClimateSmart TDF
2040
Detailed breakdown:
As of May 15, 2025.
Sector:
Technology
iShares Global Tech ETF
Ticker:
IXN
Allocated:
22.08
%
IXN passively track the largest tech companies around the globe
Sector:
Climate Solutions
Carbon Collective Climate Sol US Eq ETF
Ticker:
CCSO
Allocated:
14.49
%
CCSO holds US listed companies that generate >50% of their revenue from climate solutions.
Sector:
Green Bonds
Carbon Collective Short Duration Green Bond ETF
Ticker:
CCSB
Allocated:
13.00
%
CCSB is a collection of short duration green bonds that is actively managed by Artesian in partnership with Carbon Collective
Sector:
Healthcare
iShares Global Healthcare ETF
Ticker:
IXJ
Allocated:
8.98
%
IXJ passively track the largest healthcare companies around the globe
Sector:
Communications
iShares Global Comm Services ETF
Ticker:
IXP
Allocated:
7.06
%
IXP passively track the largest communications companies around the globe
Sector:
Consumer Discretionary
Fidelity MSCI Consumer Discret ETF
Ticker:
FDIS
Allocated:
6.15
%
FDIS passively tracks a collection of consumer discretionary companies listed on US exchanges.
Sector:
Financials
iShares MSCI Europe Financials ETF
Ticker:
EUFN
Allocated:
4.86
%
iShares manages this fund
Sector:
Consumer Staples
iShares Global Consumer Staples ETF
Ticker:
KXI
Allocated:
4.85
%
KXI passively tracks a collection of the largest consumer staples companies around the globe.
Sector:
US Gov Bonds
iShares 0-5 Year TIPS Bond ETF
Ticker:
STIP
Allocated:
3.00
%
STIP passively track a collection of inflation-protected US Treasury bonds
Sector:
Financials
SPDR® S&P Regional Banking ETF
Ticker:
KRE
Allocated:
2.43
%
KRE passively tracks an index of regional banks listed on US exchanges
Sector:
Financials
SPDR® S&P Insurance ETF
Ticker:
KIE
Allocated:
2.43
%
KIE passively tracks an index of insurance companies listed on US exchanges
Sector:
Financials
SPDR® S&P Capital Markets ETF
Ticker:
KCE
Allocated:
2.43
%
KCE passively tracks an index of capital markets companies listed on US exchanges
Sector:
Real Estate
Vert Global Sustainable Real Estate ETF
Ticker:
VGSR
Allocated:
2.21
%
VGSR invests in global REITs, but excludes those with higher levels of climate-related risks.
Sector:
Consumer Discretionary
Global X MSCI China Consumer Discretionary ETF
Ticker:
CHIQ
Allocated:
2.05
%
CHIQ tracks an index of consumer discretionary companies (like EV manufacturers) in China.
Sector:
Non-US Gov Bonds
SPDR Int'l Treasury ETF
Ticker:
BWX
Allocated:
2.00
%
BWX passively track a collection of governmental bonds from non-US countries
Sector:
US Gov Bonds
SPDR® Portfolio Long Term Treasury ETF
Ticker:
SPTL
Allocated:
1.00
%
SPTL passively track a collection of US Treasury bonds with 10-30 years until maturity
Sector:
US Gov Bonds
Schwab Intermediate-Term US Trs ETF™
Ticker:
SCHR
Allocated:
1.00
%
SCHR passively track a collection of US Treasury bonds with 5-10 years until maturity
Portfolio type:
ClimateSmart TDF (2045 - 2065)
Climate solutions and the low-carbon economy.
Select portfolio:
Additional description for ClimateSmart TDF 2045 portfolio.
Visualiser:
69.6
%
Low-Carbon Sector Stocks
15.4
%
Climate Solution Stocks
9.8
%
Green Bonds
5.3
%
Government Bonds
ClimateSmart TDF
2045
Detailed breakdown:
As of May 15, 2025.
Sector:
Technology
iShares Global Tech ETF
Ticker:
IXN
Allocated:
23.46
%
IXN passively track the largest tech companies around the globe
Sector:
Climate Solutions
Carbon Collective Climate Sol US Eq ETF
Ticker:
CCSO
Allocated:
15.40
%
CCSO holds US listed companies that generate >50% of their revenue from climate solutions.
Sector:
Green Bonds
Carbon Collective Short Duration Green Bond ETF
Ticker:
CCSB
Allocated:
9.75
%
CCSB is a collection of short duration green bonds that is actively managed by Artesian in partnership with Carbon Collective
Sector:
Healthcare
iShares Global Healthcare ETF
Ticker:
IXJ
Allocated:
9.55
%
IXJ passively track the largest healthcare companies around the globe
Sector:
Communications
iShares Global Comm Services ETF
Ticker:
IXP
Allocated:
7.50
%
IXP passively track the largest communications companies around the globe
Sector:
Consumer Discretionary
Fidelity MSCI Consumer Discret ETF
Ticker:
FDIS
Allocated:
6.53
%
FDIS passively tracks a collection of consumer discretionary companies listed on US exchanges.
Sector:
Consumer Staples
iShares Global Consumer Staples ETF
Ticker:
KXI
Allocated:
5.16
%
KXI passively tracks a collection of the largest consumer staples companies around the globe.
Sector:
Financials
iShares MSCI Europe Financials ETF
Ticker:
EUFN
Allocated:
5.16
%
iShares manages this fund
Sector:
Financials
SPDR® S&P Regional Banking ETF
Ticker:
KRE
Allocated:
2.58
%
KRE passively tracks an index of regional banks listed on US exchanges
Sector:
Financials
SPDR® S&P Insurance ETF
Ticker:
KIE
Allocated:
2.58
%
KIE passively tracks an index of insurance companies listed on US exchanges
Sector:
Financials
SPDR® S&P Capital Markets ETF
Ticker:
KCE
Allocated:
2.58
%
KCE passively tracks an index of capital markets companies listed on US exchanges
Sector:
Real Estate
Vert Global Sustainable Real Estate ETF
Ticker:
VGSR
Allocated:
2.35
%
VGSR invests in global REITs, but excludes those with higher levels of climate-related risks.
Sector:
US Gov Bonds
iShares 0-5 Year TIPS Bond ETF
Ticker:
STIP
Allocated:
2.25
%
STIP passively track a collection of inflation-protected US Treasury bonds
Sector:
Consumer Discretionary
Global X MSCI China Consumer Discretionary ETF
Ticker:
CHIQ
Allocated:
2.18
%
CHIQ tracks an index of consumer discretionary companies (like EV manufacturers) in China.
Sector:
Non-US Gov Bonds
SPDR Int'l Treasury ETF
Ticker:
BWX
Allocated:
1.50
%
BWX passively track a collection of governmental bonds from non-US countries
Sector:
US Gov Bonds
SPDR® Portfolio Long Term Treasury ETF
Ticker:
SPTL
Allocated:
0.75
%
SPTL passively track a collection of US Treasury bonds with 10-30 years until maturity
Sector:
US Gov Bonds
Schwab Intermediate-Term US Trs ETF™
Ticker:
SCHR
Allocated:
0.75
%
SCHR passively track a collection of US Treasury bonds with 5-10 years until maturity
Additional description for ClimateSmart TDF 2050 portfolio.
Visualiser:
73.7
%
Low-Carbon Sector Stocks
16.3
%
Climate Solution Stocks
6.5
%
Green Bonds
3.5
%
Government Bonds
ClimateSmart TDF
2050
Detailed breakdown:
As of May 15, 2025.
Sector:
Technology
iShares Global Tech ETF
Ticker:
IXN
Allocated:
24.84
%
IXN passively track the largest tech companies around the globe
Sector:
Climate Solutions
Carbon Collective Climate Sol US Eq ETF
Ticker:
CCSO
Allocated:
16.30
%
CCSO holds US listed companies that generate >50% of their revenue from climate solutions.
Sector:
Healthcare
iShares Global Healthcare ETF
Ticker:
IXJ
Allocated:
10.11
%
IXJ passively track the largest healthcare companies around the globe
Sector:
Communications
iShares Global Comm Services ETF
Ticker:
IXP
Allocated:
7.94
%
IXP passively track the largest communications companies around the globe
Sector:
Consumer Discretionary
Fidelity MSCI Consumer Discret ETF
Ticker:
FDIS
Allocated:
6.92
%
FDIS passively tracks a collection of consumer discretionary companies listed on US exchanges.
Sector:
Green Bonds
Carbon Collective Short Duration Green Bond ETF
Ticker:
CCSB
Allocated:
6.50
%
CCSB is a collection of short duration green bonds that is actively managed by Artesian in partnership with Carbon Collective
Sector:
Consumer Staples
iShares Global Consumer Staples ETF
Ticker:
KXI
Allocated:
5.46
%
KXI passively tracks a collection of the largest consumer staples companies around the globe.
Sector:
Financials
iShares MSCI Europe Financials ETF
Ticker:
EUFN
Allocated:
5.46
%
iShares manages this fund
Sector:
Financials
SPDR® S&P Regional Banking ETF
Ticker:
KRE
Allocated:
2.73
%
KRE passively tracks an index of regional banks listed on US exchanges
Sector:
Financials
SPDR® S&P Insurance ETF
Ticker:
KIE
Allocated:
2.73
%
KIE passively tracks an index of insurance companies listed on US exchanges
Sector:
Financials
SPDR® S&P Capital Markets ETF
Ticker:
KCE
Allocated:
2.73
%
KCE passively tracks an index of capital markets companies listed on US exchanges
Sector:
Real Estate
Vert Global Sustainable Real Estate ETF
Ticker:
VGSR
Allocated:
2.48
%
VGSR invests in global REITs, but excludes those with higher levels of climate-related risks.
Sector:
Consumer Discretionary
Global X MSCI China Consumer Discretionary ETF
Ticker:
CHIQ
Allocated:
2.31
%
CHIQ tracks an index of consumer discretionary companies (like EV manufacturers) in China.
Sector:
US Gov Bonds
iShares 0-5 Year TIPS Bond ETF
Ticker:
STIP
Allocated:
1.50
%
STIP passively track a collection of inflation-protected US Treasury bonds
Sector:
Non-US Gov Bonds
SPDR Int'l Treasury ETF
Ticker:
BWX
Allocated:
1.00
%
BWX passively track a collection of governmental bonds from non-US countries
Sector:
US Gov Bonds
SPDR® Portfolio Long Term Treasury ETF
Ticker:
SPTL
Allocated:
0.50
%
SPTL passively track a collection of US Treasury bonds with 10-30 years until maturity
Sector:
US Gov Bonds
Schwab Intermediate-Term US Trs ETF™
Ticker:
SCHR
Allocated:
0.50
%
SCHR passively track a collection of US Treasury bonds with 5-10 years until maturity
Additional description for ClimateSmart TDF 2055 portfolio.
Visualiser:
73.7
%
Low-Carbon Sector Stocks
16.3
%
Climate Solution Stocks
6.5
%
Green Bonds
3.5
%
Government Bonds
ClimateSmart TDF
2055
Detailed breakdown:
As of May 15, 2025.
Sector:
Technology
iShares Global Tech ETF
Ticker:
IXN
Allocated:
24.84
%
IXN passively track the largest tech companies around the globe
Sector:
Climate Solutions
Carbon Collective Climate Sol US Eq ETF
Ticker:
CCSO
Allocated:
16.30
%
CCSO holds US listed companies that generate >50% of their revenue from climate solutions.
Sector:
Healthcare
iShares Global Healthcare ETF
Ticker:
IXJ
Allocated:
10.11
%
IXJ passively track the largest healthcare companies around the globe
Sector:
Communications
iShares Global Comm Services ETF
Ticker:
IXP
Allocated:
7.94
%
IXP passively track the largest communications companies around the globe
Sector:
Consumer Discretionary
Fidelity MSCI Consumer Discret ETF
Ticker:
FDIS
Allocated:
6.92
%
FDIS passively tracks a collection of consumer discretionary companies listed on US exchanges.
Sector:
Green Bonds
Carbon Collective Short Duration Green Bond ETF
Ticker:
CCSB
Allocated:
6.50
%
CCSB is a collection of short duration green bonds that is actively managed by Artesian in partnership with Carbon Collective
Sector:
Consumer Staples
iShares Global Consumer Staples ETF
Ticker:
KXI
Allocated:
5.46
%
KXI passively tracks a collection of the largest consumer staples companies around the globe.
Sector:
Financials
iShares MSCI Europe Financials ETF
Ticker:
EUFN
Allocated:
5.46
%
iShares manages this fund
Sector:
Financials
SPDR® S&P Regional Banking ETF
Ticker:
KRE
Allocated:
2.73
%
KRE passively tracks an index of regional banks listed on US exchanges
Sector:
Financials
SPDR® S&P Insurance ETF
Ticker:
KIE
Allocated:
2.73
%
KIE passively tracks an index of insurance companies listed on US exchanges
Sector:
Financials
SPDR® S&P Capital Markets ETF
Ticker:
KCE
Allocated:
2.73
%
KCE passively tracks an index of capital markets companies listed on US exchanges
Sector:
Real Estate
Vert Global Sustainable Real Estate ETF
Ticker:
VGSR
Allocated:
2.48
%
VGSR invests in global REITs, but excludes those with higher levels of climate-related risks.
Sector:
Consumer Discretionary
Global X MSCI China Consumer Discretionary ETF
Ticker:
CHIQ
Allocated:
2.31
%
CHIQ tracks an index of consumer discretionary companies (like EV manufacturers) in China.
Sector:
US Gov Bonds
iShares 0-5 Year TIPS Bond ETF
Ticker:
STIP
Allocated:
1.50
%
STIP passively track a collection of inflation-protected US Treasury bonds
Sector:
Non-US Gov Bonds
SPDR Int'l Treasury ETF
Ticker:
BWX
Allocated:
1.00
%
BWX passively track a collection of governmental bonds from non-US countries
Sector:
US Gov Bonds
SPDR® Portfolio Long Term Treasury ETF
Ticker:
SPTL
Allocated:
0.50
%
SPTL passively track a collection of US Treasury bonds with 10-30 years until maturity
Sector:
US Gov Bonds
Schwab Intermediate-Term US Trs ETF™
Ticker:
SCHR
Allocated:
0.50
%
SCHR passively track a collection of US Treasury bonds with 5-10 years until maturity
Additional description for ClimateSmart TDF 2060 portfolio.
Visualiser:
73.7
%
Low-Carbon Sector Stocks
16.3
%
Climate Solution Stocks
6.5
%
Green Bonds
3.5
%
Government Bonds
ClimateSmart TDF
2060
Detailed breakdown:
As of May 15, 2025.
Sector:
Technology
iShares Global Tech ETF
Ticker:
IXN
Allocated:
24.84
%
IXN passively track the largest tech companies around the globe
Sector:
Climate Solutions
Carbon Collective Climate Sol US Eq ETF
Ticker:
CCSO
Allocated:
16.30
%
CCSO holds US listed companies that generate >50% of their revenue from climate solutions.
Sector:
Healthcare
iShares Global Healthcare ETF
Ticker:
IXJ
Allocated:
10.11
%
IXJ passively track the largest healthcare companies around the globe
Sector:
Communications
iShares Global Comm Services ETF
Ticker:
IXP
Allocated:
7.94
%
IXP passively track the largest communications companies around the globe
Sector:
Consumer Discretionary
Fidelity MSCI Consumer Discret ETF
Ticker:
FDIS
Allocated:
6.92
%
FDIS passively tracks a collection of consumer discretionary companies listed on US exchanges.
Sector:
Green Bonds
Carbon Collective Short Duration Green Bond ETF
Ticker:
CCSB
Allocated:
6.50
%
CCSB is a collection of short duration green bonds that is actively managed by Artesian in partnership with Carbon Collective
Sector:
Consumer Staples
iShares Global Consumer Staples ETF
Ticker:
KXI
Allocated:
5.46
%
KXI passively tracks a collection of the largest consumer staples companies around the globe.
Sector:
Financials
iShares MSCI Europe Financials ETF
Ticker:
EUFN
Allocated:
5.46
%
iShares manages this fund
Sector:
Financials
SPDR® S&P Regional Banking ETF
Ticker:
KRE
Allocated:
2.73
%
KRE passively tracks an index of regional banks listed on US exchanges
Sector:
Financials
SPDR® S&P Insurance ETF
Ticker:
KIE
Allocated:
2.73
%
KIE passively tracks an index of insurance companies listed on US exchanges
Sector:
Financials
SPDR® S&P Capital Markets ETF
Ticker:
KCE
Allocated:
2.73
%
KCE passively tracks an index of capital markets companies listed on US exchanges
Sector:
Real Estate
Vert Global Sustainable Real Estate ETF
Ticker:
VGSR
Allocated:
2.48
%
VGSR invests in global REITs, but excludes those with higher levels of climate-related risks.
Sector:
Consumer Discretionary
Global X MSCI China Consumer Discretionary ETF
Ticker:
CHIQ
Allocated:
2.31
%
CHIQ tracks an index of consumer discretionary companies (like EV manufacturers) in China.
Sector:
US Gov Bonds
iShares 0-5 Year TIPS Bond ETF
Ticker:
STIP
Allocated:
1.50
%
STIP passively track a collection of inflation-protected US Treasury bonds
Sector:
Non-US Gov Bonds
SPDR Int'l Treasury ETF
Ticker:
BWX
Allocated:
1.00
%
BWX passively track a collection of governmental bonds from non-US countries
Sector:
US Gov Bonds
SPDR® Portfolio Long Term Treasury ETF
Ticker:
SPTL
Allocated:
0.50
%
SPTL passively track a collection of US Treasury bonds with 10-30 years until maturity
Sector:
US Gov Bonds
Schwab Intermediate-Term US Trs ETF™
Ticker:
SCHR
Allocated:
0.50
%
SCHR passively track a collection of US Treasury bonds with 5-10 years until maturity
Additional description for ClimateSmart TDF 2065 portfolio.
Visualiser:
73.7
%
Low-Carbon Sector Stocks
16.3
%
Climate Solution Stocks
6.5
%
Green Bonds
3.5
%
Government Bonds
ClimateSmart TDF
2065
Detailed breakdown:
As of May 15, 2025.
Sector:
Technology
iShares Global Tech ETF
Ticker:
IXN
Allocated:
24.84
%
IXN passively track the largest tech companies around the globe
Sector:
Climate Solutions
Carbon Collective Climate Sol US Eq ETF
Ticker:
CCSO
Allocated:
16.30
%
CCSO holds US listed companies that generate >50% of their revenue from climate solutions.
Sector:
Healthcare
iShares Global Healthcare ETF
Ticker:
IXJ
Allocated:
10.11
%
IXJ passively track the largest healthcare companies around the globe
Sector:
Communications
iShares Global Comm Services ETF
Ticker:
IXP
Allocated:
7.94
%
IXP passively track the largest communications companies around the globe
Sector:
Consumer Discretionary
Fidelity MSCI Consumer Discret ETF
Ticker:
FDIS
Allocated:
6.92
%
FDIS passively tracks a collection of consumer discretionary companies listed on US exchanges.
Sector:
Green Bonds
Carbon Collective Short Duration Green Bond ETF
Ticker:
CCSB
Allocated:
6.50
%
CCSB is a collection of short duration green bonds that is actively managed by Artesian in partnership with Carbon Collective
Sector:
Consumer Staples
iShares Global Consumer Staples ETF
Ticker:
KXI
Allocated:
5.46
%
KXI passively tracks a collection of the largest consumer staples companies around the globe.
Sector:
Financials
iShares MSCI Europe Financials ETF
Ticker:
EUFN
Allocated:
5.46
%
iShares manages this fund
Sector:
Financials
SPDR® S&P Regional Banking ETF
Ticker:
KRE
Allocated:
2.73
%
KRE passively tracks an index of regional banks listed on US exchanges
Sector:
Financials
SPDR® S&P Insurance ETF
Ticker:
KIE
Allocated:
2.73
%
KIE passively tracks an index of insurance companies listed on US exchanges
Sector:
Financials
SPDR® S&P Capital Markets ETF
Ticker:
KCE
Allocated:
2.73
%
KCE passively tracks an index of capital markets companies listed on US exchanges
Sector:
Real Estate
Vert Global Sustainable Real Estate ETF
Ticker:
VGSR
Allocated:
2.48
%
VGSR invests in global REITs, but excludes those with higher levels of climate-related risks.
Sector:
Consumer Discretionary
Global X MSCI China Consumer Discretionary ETF
Ticker:
CHIQ
Allocated:
2.31
%
CHIQ tracks an index of consumer discretionary companies (like EV manufacturers) in China.
Sector:
US Gov Bonds
iShares 0-5 Year TIPS Bond ETF
Ticker:
STIP
Allocated:
1.50
%
STIP passively track a collection of inflation-protected US Treasury bonds
Sector:
Non-US Gov Bonds
SPDR Int'l Treasury ETF
Ticker:
BWX
Allocated:
1.00
%
BWX passively track a collection of governmental bonds from non-US countries
Sector:
US Gov Bonds
SPDR® Portfolio Long Term Treasury ETF
Ticker:
SPTL
Allocated:
0.50
%
SPTL passively track a collection of US Treasury bonds with 10-30 years until maturity
Sector:
US Gov Bonds
Schwab Intermediate-Term US Trs ETF™
Ticker:
SCHR
Allocated:
0.50
%
SCHR passively track a collection of US Treasury bonds with 5-10 years until maturity
See what makes us different.
In our intro call, we'll go over your goals, limitations, and what's working (or not) with your existing offering.
FAQ
Frequently asked questions
The easiest can have your company/organization hire us as your 401(k) advisor as a part of our Better Together 401(k) Program. If you do not already have an advisor for your plan, you will need one to add our funds, so you might as well get the other perks of working with us.
If you have an existing advisor, send them this page and have them book a call with us. We generally recommend these funds be added as a supplemental option to an existing target date fund series, as ClimateSmart is a distinct investment philosophy and caters to different investors than a traditional passively managed target date fund.
We didn't build ClimateSmart to be right for everyone. We built it for those who believe that climate change should be a core theme for long-term investors.
Therefore, we always advise adding the ClimateSmart CITs as an option within the existing plan, rather than replacing any existing funds with it.
If you are an advisor and have access to financial terminal tools, you can also simply search "ClimateSmart" and they should pop up.
Our difference
We're clear eyed.
We think financial security and climate health are directly linked.
We're independent.
We're not owned by a big bank or Wall Street firm.
We're real people.
You'll feel it the moment you meet us.