> Invest your money (e.g. world passive mutual fund, or VT ETF).

i despise stock markets, investments etc., so i just kind of have accepted that i'll probably never grow my money passively. from time to time i stumble across advice like yours, talking about ETFs, and feel a bit left out again.

money just sits in my bank account with close to 0% interest. i know that ETFs would slowly generate more money, but i also know that my money would then be invested in a ton of companies i absolutely don't want to be a part of, even when considering that my sums would be a drop in an ocean.

There are ETFs that specifically exclude companies with lots of negative externalities (no Exxon, etc.). The term to look for is "socially responsible".

E.g. https://www.ubs.com/uk/en/assetmanagement/funds/etf/lu062945...