A pension that's personal
Our mission is to revolutionise pensions. With a TILLIT Pension, you are in control of your money and how it is invested. No more one-size-fits-all.
With TILLIT you are empowered to build a pension that’s right for you.
Capital at risk.
Your pension, your choice
Your pension is your nest egg for the future. It is one of the most important and powerful assets most of us will have, and yet many of us don’t know much about it. How you will be able to live your life in the future depends on the decisions you make in your pension today.
By taking control of your pension, you can make decisions about how and where your pension is invested and ensure that it’s optimised for your needs and aligned with your values.
Build a bespoke portfolio
With TILLIT you can take full control over how your pension is invested and build a bespoke portfolio from our range of handpicked funds. From well-known classics to trailblazers and wildcards, you have access to the best-in-class active and passive funds across asset classes, regions and styles.
Whether you want to invest with purpose and use your money to drive change in the world, want exposure to specific long-term growth sectors like healthcare or technology, or are looking to explore different flavours of bonds or alternative asset classes, you can build a portfolio that suits your interests and requirements in the TILLIT Universe.
…or leave it on autopilot
Not sure what you want to invest in yet? No problem! With TILLIT, you don’t have to jump in with both feet. When you open your account you are automatically placed in our ‘default fund’. This is a professionally managed fund which automatically adjusts what you are invested in over time to balance growth in the early years with downside protection as you get closer to retirement. Essentially, by staying in the default fund you are leaving your pension on autopilot.
Best of all, you don’t have to pick either extreme. You can leave part of your pot in the default fund and pick your own funds for the rest and get the best of both worlds.
The pension gender gap
Women retire with less. It’s time for change. Learn why the pension gender gap exists and how TILLIT can help bridge the gap.
What our customers say
Frequently Answered Questions
You can find the full list of Pension FAQs here.
What makes the TILLIT Pension different compared with other pensions?
TILLIT is all about empowering you to take control of your pension savings.
Compared to most other pensions, with TILLIT you have the freedom to invest your hard-earned savings in line with your values and your requirements to achieve your retirement goals.
We have built the pension with one goal in mind - to help you make good decisions today, which your future self will thank you for. That is why the TILLIT Pension comes with innovative features and nudges to help you make the most of your pension today, and in the future.
There are a few general differences with personal pensions (like the TILLIT Pension) compared to many traditional workplace pensions. For example, you can access your money earlier (at 55 compared to 60-65). It also offers greater flexibility for how you access your pension pot when you come to draw from it.
What type of pension is the TILLIT Pension?
The TILLIT Pension is a Self-Invested Personal Pension (SIPP) account. The main difference between a SIPP and some other pensions is that you can take full control of your retirement savings by picking your investments in line with your goals and values.
The TILLIT Pension is available direct as well as a workplace pension via employers who want to offer their employees more freedom of choice and the chance to take ownership of their pension.
If you want to find out more about how you can get TILLIT for your workplace pension, email us at groupsipp@tillitinvest.com.
What can I invest in with a TILLIT Pension?
Anything you like in the TILLIT Universe! And if you're not ready to build your own portfolio yet, you can leave your pension on autopilot, which means any contributions will be automatically invested in our default fund.
Can I transfer other pensions to TILLIT?
Yes, once you have opened a pension on TILLIT you can use the transfers card on your Dashboard to start your transfer.
Please note that the process may vary by provider and there are limitations to what kind of pension schemes we can accept. For instance, we are unable to accept transfers from a Defined Benefit (or ‘Final Salary’) scheme or from a pension that’s been crystallised (accessed and cashed-in), or that has any guarantee or safeguarded rights. If you are unsure about your scheme please refer to your paperwork from your current provider before proceeding.
Can my employer pay into my TILLIT Pension?
If you don't currently have access to the TILLIT Pension through your employer and you would like to, you can ask them if they would consider paying your pension to TILLIT instead of your current provider.
Alternatively, we'd be delighted to speak to your employer to tell them more about TILLIT and how the TILLIT Pension can benefit you and your colleagues. Just send us an email at pensions@tillitinvest.com with the name of your employer and we'll take it from there!
What are the fees?
As an early adopter of the TILLIT Pension, you will be charged a flat TILLIT platform fee of 0.25% pa on the assets in your account(s).
We don't charge you on contributions, withdrawals or transfers (in or out) and there are no dealing commission charges.
The funds you choose to invest in have their own fees (starting at 0.06% pa). Stamp duty and PTM levies may apply.
Open a TILLIT Pension
Take control and build a pension that’s right for you.
Capital at risk.
Regulated and FSCS protected
TILLIT Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our custodian, Seccl Custody Ltd, is also authorised and regulated by the FCA, and any eligible deposits are protected (up to £85,000) by the Financial Services Compensation Scheme.