Our Story

What kind of future do you imagine?

The story of Grünfin started with our founders – Triin and Karin. They both cared about their children and the sustainable development of the world. We all know the world is on an unsustainable track – we’re fighting the climate crisis, health challenges and growing inequality, all at once.

Impact

The impact of money

As a consumer, “greening” your finances has a huge impact compared to other environmental choices. A UK study found that a green pension is 21× more effective at cutting carbon footprints than stopping flying, becoming a vegetarian and moving to a renewable energy provider combined. The problem? There are more than 3000 sustainable funds in the world, but only a few are focused on real impact.

Our mission

Investing in a more sustainable planet is more likely to succeed if more of us do so. We hope to see a future where all investment decisions are based not just on profit, but also on impact.

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Empowering women to invest

In a world of FOMO, women are the more responsible investors. They are more likely than men to sacrifice potential upside in exchange for lower risk. Also, 88% of women want their investments to promote social well-being and sustainable development of the planet.. Our goal is to provide a financial product aligned with the values for the future that female investors appreciate.

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The founders

Karin Nemec

As a mother of two, Karin cares strongly about the sustainability of the planet. She thinks investing through the lens of ESGs and UN Sustainable Development Goals is not only the right and good thing to do, but also leads to better risk-return ratios as climate change intensifies and physical risks increase. Before becoming an investment manager and impact-focused investor, she worked for more than 10 years at Swedbank, the largest retail bank in Sweden, as a Director of the Corporate Products division. She holds a Global Executive MBA degree from the IESE Business School since 2011. She’s an expert in Sustainable Finance certified by the Frankfurt School of Finance and Management.

Triin Hertmann

With 20 years of experience in the international finance and technology world, Triin has helped to build companies like Skype and TransferWise from very early stages to worldwide unicorns. As a mother of two small children and a long-time investor, she’s convinced that every technology product should strive to make the world a better place. Prior to joining the Skype’s finance team in 2005, she worked in private equity and corporate finance. As the second employee at (Transfer)Wise in 2011, she helped set up the startup's payment operations and finance processes, and later was in charge of the company's global offices and people operations. She holds an MA degree in Organizational Behavior, and degrees in International Finance and Accounting.

Alvar Lumberg

Over the last two decades, Alvar has worked in banking and fintech, building product development teams, fintech systems and integrations. As an early employee of (Transfer)Wise, he built and managed product engineering teams there for 7 years. Prior to that he worked with the CRM, lending and online banking teams at Swedbank Estonia, led the technical launch of a new internet bank in Latvia and Lithuania and architected a flexible loan applications processing and scoring system. Throughout the past few years, he felt more and more inclined to embark on an effort in sustainable development. He strongly believes in mission-driven products and his personal mission at Grünfin is to empower people to make values-based investments in sustainable businesses. He is a father of three, an avid traveller, runner and hiker.

Our team

Impact
A team united by its desire to make the world a better place, with previous experience at Wise, Skype, and JPMorgan.
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