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'Only buy something that you’d be perfectly happy to hold if the market shut down for 10 years'

Warren Buffet

Our investment philosophy

Limit the risk

Judicious use of investment capital is integral to us making good on our pledge to provide rising lifelong incomes for our clients.

For this reason, our investment process prioritises the preservation of the value of our clients’ contributions while at same time achieving a return that keeps pace with inflation.

We are confident in our ability to deliver upon our generous payout forecasts while running a highly conservative portfolio due to the fact that the majority of the income paid to members derives from 'tontine credits'.

This contrasts with many other types of pensions which are forced to take on substantially more risk in their portfolios because of their need to generate higher income and capital growth.

We are committed to working with the best-in-class

We believe a depth and longevity of expertise is vital in delivering the best investment outcomes for our members.

To this end, our investment policy is overseen by a board of trustees with many decades of combined investment industry experience.

Their focus is to appoint and manage relationships with world-class asset managers who have proven ability to build well-diversified portfolios that both preserve capital and generate steady income across economic cycles.

In line with our commitment to absolute transparency, we will shortly start publishing full details of the asset management firms selected by the board of trustees.

The fiduciary duty of care

Our trustees are required to act in a 'fiduciary' capacity.

This means that they must always act in the best interests of our members and adhere to the prudent person rule.

No conflicts of interest are permitted, such as the receipt of commissions or 'kickbacks' from fund managers or investment banks.

Any fee rebates etc. negotiated by the trustees must be credited to the portfolio for the benefit of the members.

Tontine Trust follows PEPP Regulations as set by EIOPA

A strong regulatory backstop

Our members benefit from the peace of mind that the capital contributions they make will be managed in accordance with strict EU-wide regulation.

We adhere to the PEPP ‘prudent person’ rules which stipulate that, among other requirements, our portfolio must be broadly diversified, limited in its use of derivatives, not exposed to excessive leverage and invested predominantly in regulated markets.

We invest sustainably

The regulations we adhere to also stipulate that funds we invest on our members’ behalf should be invested according to environmental, social and governance (ESG) principles.

While there is still a perception that investing sustainably means potentially sacrificing returns, studies have suggested that ESG compliant portfolios already tend to marginally outperform non-ESG portfolios with slightly less risk.

It should also be considered that investing sustainably will help create a better world for us to enjoy to the full our expected retirement benefits.


European long-term investment funds or "ELTIFs" are an initiative of the European Commission to safely boost the level of non-bank investment in the 'real economy' across Europe.

ELTIFs are highly regulated funds which are designed to provide a steady income stream and produce attractive long-term yields.

ELTIFs achieve these returns by channelling capital into a broad range of asset classes such as infrastructure projects, real estate as well as listed and unlisted SMEs which are suitable for long-term capital investment.

Are you an ELTIF provider?

© 2021 Tontine Trust Retirement Technologies Limited ('TTRT'), Tontine Pensions Administration Platform Limited ('TontineTrust') and Tontine Pension Trustees Designated Activity Company ('TontineTrustees'). All rights reserved.

The information in this site is informational and of general guidance only. Nothing in this website should be taken as constituting individual advice to you. The choices you make, or do not make, around the investment of your retirement account are your own responsibility.

Neither TontineTrust nor TontineTrustees can be held responsible for any financial loss arising from your investment choices or lack of them. Values can fall as well as rise whatever type of pension is chosen and no particular level of retirement benefit from a pension can be guaranteed.

TontineTrust is building a platform which supports the issuance of risk sharing lifetime income products such as tontine pensions. TontineTrustees is a Designated Activity Company operating as a Pensions Institution engaged in the business of granting lifetime income pensions linked to human life. It's first pension when launched will also seek approval to be classified as one of Europe's first Pan-European Personal Pension Products or 'PEPPs'.

PEPPs are a new generation of personal pension products which comply with the European Union’s latest regulations creating the gold standard of personal pension product design in terms of value for money, transparency and governance. Once TontineTrustees's pension product completes it's registrations, it will be launched on the TontineTrust platform with the support of best of breed investment service providers with the aim to be available in 27 countries by the end of 2022. Neither TontineTrust, TontineTrustees nor TTRT offer or provide investment services.

Certain activities carried out by TontineTrust will be subject to the supervision of the Pensions Authority. Such activities include acting as a Registered Administrator for occupational pension schemes and group personal pensions. As these services are not regulated by the Central Bank of Ireland they are not covered by the Investor Compensation Scheme.