Your money, your priorities
Investing may be all about the numbers – growth, returns and risk – to build a secure future but increasingly investors are interested in an even more meaningful approach.
“When life becomes busy, it’s easy for your financial priorities to slip into the background. Real progress happens when you pause, reflect, and make intentional decisions about where your money goes — and why. Clarity is the foundation of confident financial choices.” — Craig Banning, CEO, Navwealth Financial Group
Four out of five respondents to a 2024 survey wanted their investments to have a positive impact in the world.i
The survey, by the Responsible Investment Association Australasia (RIAA), found 79 per cent of investors would be more likely to invest in funds or products that have been independently verified as responsible or ethical. Animal cruelty was a top concern for 66 per cent, followed by human rights abuses – 60 per cent, gambling – 56 per cent, companies that don’t paid their fair share of tax – 55 per cent, as well as tobacco, weapons and firearms all at 55 per cent.ii
This growing interest in responsible investment saw assets under management in Australian funds rise 24 per cent to more than $1.6 trillion in 2024.iii
Meanwhile, a 2025 survey of 3,500 high net worth Australian investors found that sustainable investing is gaining traction as long as appropriate returns, clear risk and return profiles, and transparent performance reporting are in place.iv
Adding value
Aligning your investments with your values isn’t about changing the way you invest, it’s about adding an extra layer of meaning to the process and shaping your portfolio to reflect what’s important to you.
For some, that might mean supporting companies that innovate responsibly or treat employees well. For others, it could mean avoiding industries that don’t align with their principles. There’s no single ‘right’ approach because your values are unique to you.
And here’s the reassuring part: investing with your values doesn’t mean sacrificing returns. Many businesses that operate with strong governance and long-term strategies have shown to perform competitively over time. So, you can pursue financial growth while feeling confident that your money is working in ways that matter to you.
In fact, the RIAA noted in 2024 a ten-year return on RIAA-certified products of 13.9 per cent, compared with 9.19 per cent for the rest of the market (Australian share funds).v
Of course, fundamental investment rules apply. Diversification is one of the keys to successful values-based investing. But it’s not about limiting your choices, it’s about finding the right mix of investments that meet both your financial and personal criteria.
A well-constructed portfolio can include companies across different sectors that align with your principles while still delivering strong performance. This approach ensures you’re not only investing with purpose but also managing risk effectively.
Taking the first step
Turning this idea into reality can be complex. Investors’ priorities are different, and the investment universe is vast. That’s where a financial adviser adds value.
A good adviser doesn’t just manage numbers. They listen and take the time to understand what matters most to you, whether that’s supporting certain industries, avoiding others or balancing ethical considerations with performance goals.
From there, they help design a strategy that reflects your values without losing sight of your financial objectives.
Advisers also provide clarity. With so many investment options available, it’s easy to feel overwhelmed. We can help you navigate choices, evaluate trade-offs, and ensure your portfolio remains diversified and resilient. We can also monitor your investments regularly, making adjustments as markets change and your priorities evolve.
Final Thought
Your finances should support the life you want, not add pressure to it. When you understand your priorities and have a strategy that reflects your goals, you’re better equipped to make decisions with confidence, even as life shifts and evolves.
But you don’t have to figure it out alone. Speaking with a financial adviser can help you gain clarity, structure your priorities, and ensure your investment and wealth strategies align with your risk tolerance and long-term vision.
If you’re ready to take control of your money with greater confidence, reach out to the Navwealth team today. We’re here to help you build a plan that supports your goals, your lifestyle, and the future you’re working toward.
Meet Craig Banning, CEO, Director & Senior Wealth Adviser.
Craig has over 30 years of experience in financial services, backed by a Masters in Financial Planning; he leads the friendly and professional team at Navwealth. He is driven by seeing people grow and achieve their dreams and is extremely focused when helping clients define their lifestyle and financial goals.
Contact Craig here to discuss how he can help you.
