We invest sustainably

In addition to wanting our members to live long and rewarding retirements we want them to be able to enjoy the world that they retire in which is why we prefer to work with asset managers that keep an eye on the future as well as on the bottom line.

happy retirees
esg investment

Our Environmental, Social, and Governance Policy

In Europe, the regulations dictate that the capital of our members should be invested according to 'ESG' principles.
This should be neutral financially because recent studies indicate that ESG compliant portfolios tend to be at least in line with non-ESG portfolios for a similar level of risk.

How we take care of investors?

target icon

Diversification is the only free lunch in investing

Our trustees are tasked with preserving the value of the capital held in the trusts.

Third-party guarantees could help but they are expensive.

Given the fact that the majority of the income paid to members derives from 'Tontine Credits' we are perfectly comfortable with our trusts investing in well diversified 'boring' portfolios.

growing bar chart icon

We are committed to work 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 find & select asset managers who have proven their ability to build well-diversified portfolios that both preserve capital and generate steady income across economic cycles.

settings icon

A strong regulatory backstop

Our members benefit from the peace of mind that the capital contributions they make will be managed in accordance with the latest EU-wide regulations.
We adhere to the PEPP ā€˜prudent personā€™ 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.

shields icon

Our Fiduciary Duty of Care

Our European pension 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.

Unlike many other pensions institutions, we prohibit conflicts of interest 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.

We ā¤ ELTIFs

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.

european investment fund
private jet + app

Are you an ELTIF provider or an ESG fund manager?

If you want to help millions of people to have a better retirement as much as we do, get in touch. We will be happy to hear from you!