Util’s vision is to transform the way we measure success in mainstream investing. For too long, investors have focused almost exclusively on bottom-line financial returns, often at the expense of wider societal and planetary value creation. At Util, we are developing a new bottom-line for the responsible investor; one that incorporates returns for people, planet and pocket. We will leverage the state of the art in big data and machine learning, coupled with enhanced company disclosure and a world-class impact assessment methodology, to provide investors with a series of new metrics that will help them make decisions that maximise financial, environmental and social returns. Our vision is to see this 21st century bottom-line integrated into mainstream investing; a future with Util sees asset owners selecting managers based on Total Returns, managers selecting companies based on Total Returns, staff being incentivised to maximise Total Return, and passive investment products benchmarking to key environmental and social themes.