By: C.J. Lloyd December 20, 2024

In the investing world, the allure of high returns can sometimes overshadow the moral and ethical implications of where our money is placed. However, as stewards of God’s resources, we must invest with integrity and compassion. One guiding principle is Proverbs 22:22: “Do not exploit the poor because they are poor . . . .” This verse reminds us that the pursuit of profit should never come at the expense of the vulnerable.

What Are Exploitative Investments?

Exploitative investments are those that profit from the mistreatment, marginalization, or exploitation of people or the environment. These might include industries or companies that:

• Underpay or mistreat workers.

• Use child or forced labor.

• Harm communities through unethical practices, such as predatory lending or environmental destruction.

• Promote products or services that lead to addiction, harm, or moral compromise.

The Biblical Case Against Exploitation

The Bible consistently emphasizes God’s concern for justice and care for the vulnerable. Throughout Scripture, we see commands to protect the poor, uphold justice, and treat workers fairly (Micah 6:8, James 5:4). Investing in companies that exploit others for profit contradicts these values and undermines our role as stewards of God’s creation.

Aligning Your Investments with Biblical Values

Avoiding exploitative investments doesn’t mean abandoning financial growth—it means choosing growth that aligns with God’s principles. Here’s how you can make this shift:

1. Evaluate Your Portfolio

Take a close look at your current investments. Are there companies or industries that may be profiting at the expense of others? Common areas of concern include fast fashion, fossil fuels, gambling, and certain tech companies with questionable labor practices.

2. Biblically Responsible Investing (BRI)

Biblically Responsible Investing (BRI) goes further by screening investments based on biblical principles, such as avoiding industries tied to exploitation, addiction, or immorality.

Many financial advisors and funds specialize BRI, making aligning your portfolio with your values easier.

3. Support Ethical Businesses

Seek companies that promote fair wages, safe working conditions, and sustainable practices. These businesses often contribute to human flourishing while generating financial returns.

4. Consider Impact Investing

Impact investing involves capitalizing on ventures that generate measurable social or environmental benefits and financial returns. For example, you might invest in companies that provide clean water, affordable housing, or access to education in underserved communities.

5. Pray for Discernment

As with all financial decisions, seek God’s wisdom in your investing. Pray for clarity and guidance to make choices that honor Him and reflect His heart for justice.

Choosing not to exploit the vulnerable may require sacrifices, such as passing on higher-yield investments that don’t align with biblical values. However, the reward is far more significant: peace of mind, a clear conscience, and the joy of knowing your resources are being used to glorify God and uplift others.

Investing is more than a financial decision—it’s a spiritual one. By avoiding exploitative investments, we demonstrate our commitment to biblical principles and trust in God as the ultimate provider. As Proverbs 16:8 reminds us, “Better is a little with righteousness than great revenues with injustice.”