At One Day In July, we invest using low-cost, diversified index funds, an approach rooted in Nobel-Prize winning research and decades of empirical academic studies. This is sometimes called "passive" investing. Rather than attempting to outperform a given market index, passive strategies seek to replicate the return of the index by purchasing all or most of the stocks or bonds in that index. Five decades of research show that it is extremely difficult for actively managed strategies to beat the index over a long period of time.

As we evaluate environmental investing, we supplement our traditional criteria of cost, diversification, and liquidity with an analysis of a fund's exposure to companies that own fossil fuel reserves or are heavy carbon emitters. We seek to utilize funds that have either no exposure to these companies or much smaller exposure relative to traditional index funds.

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