123RF KiwiSaver now has $70 billion of New Zealanders’ savings. Not buying factory farmed eggs or cosmetics tested on animals. Choosing fair trade, less carbon intensive or lower waste products. Walking more and driving less. These are all small changes in our lives that collectively put pressure on companies to change their behaviour. Investing is no different. How we choose to invest our money makes a real impact. Close to $20 trillion is invested around the world in low carbon intensity funds. This starves the worst climate change enabling companies of low-cost capital and forces them to change if they want to remain a destination for investment capital.