You have just started working and your employer asks you to choose a superannuation fund that they can deposit your employer superannuation contributions into. You want your superannuation savings to earn a good financial return to help fund your future retirement, but you also want your money to be invested in a way that doesnt cause harm to people or the planet and contributes to positive economic, social and environmental outcomes.

a) One of the superannuation funds you are looking at integrates environmental, social and governance (ESG) risks into its investment approach. Explain whether this fund is likely to meet your financial and social return objectives.

b) Describe two responsible investment approaches that might be more aligned with your financial and social return objectives.