PENSION – MAKE YOURS PERFORM BETTER

 

Starting a pension is one of the smartest decisions you can make. No matter what age you are, planning for your retirement or making sure your pension is on track should be a priority. After all, retirement is one of the most important phases in your life. And you do not want stress and strain from under performing pensions and investments. We offer a Personalised Pension Portfolio Program or the Trillium Capital Pension Fund.

 Personalised Pension Portfolio Program

Let us help you to build your pension portfolio with our buy and hold strategy – with a twist!  There are many factors to consider when building a pension portfolio; your own risk tolerance, time horizon and stock selection, for example. With our help we can build a strategy especially for you that is driven by fundamental data and top-tier research.  This strategy is back tested, adjusted and rebalanced regularly with you.  Once the historical performance meets your expectations you can invest in the strategy and track it’s performance.

Our focus is on the criteria of the investment strategy rather than any one individual company or stock. We look at a variety of aspects of a stock before including it within our pension portfolio strategies. All the portfolios are weighted proportionally depending on the specific criteria selected for your individual strategy.  Our key criteria are:

  • S&P 500: The stock must be a component of the S&P 500 index. Why? These are 500 of the largest US publicly traded companies on the US stock market. It is not strictly the largest by market capitalisation as there are other factors taken in to consideration by the index.  It is widely regarded as the best single gauge of US equities and many funds are designed to track the performance of the S&P.  Basically, if it is good enough for the S&P then it is good enough for Trillium Capital.
  • Market Capitalisation: This refers to how much a company is worth as determined by the stock market – the total market value of all outstanding shares.  We generally stick to the top 20 – 25 companies.
  • Dividend Yield: This is a financial ratio, expressed as a percentage that shows how much a company pays out in dividends each year relative to it’s stock price.  We look at stocks who have paid a minimum of 2% in the last year.
  • Variance: We look at variance to see how much risk the investment carries.
  • Return on Equity: Considers the measure of the profitability of a corporation in relation to stockholders’ equity.  It is expressed as a percentage and we look at stocks with an ROE of 5%+.
  • Price to Earnings Ratio: This relates a company’s share price to its earnings per share.
  • Sharpe Ratio: This is used to help investors understand the return of an investment compared to its risk.

Taking a blend of all of the above into consideration and depending on your own risk tolerance, financial goals etc,  the end product will be a well-balanced, diversified strategy or number of personalised strategies within your portfolio.

Below, see enlargeable examples of three different Personalised Portfolio Strategies and their performance over the last 3 years.

Momentum Strategy
sharpe-Ratio-S&P500-investing-Irish-self-driected-pension

Trillium Capital Pension Fund

The US is both a mature and attractive market to investors and our expertise and experience within it has led us to establish The Trillium Capital Pension Fund.  We trade, on a daily basis, using a unique set of technical parameters.  Our distinctive criteria make for a more consistent and stable return.

The fund is a basket of 50+ of the most actively traded U.S. company stocks listed on the Nasdaq stock exchange. Several of them are also listed on the Dow Jones 30 and the S&P 500.  The companies are from various industries including technology, health care, industrials and many others. Although they are U.S. companies, 27 countries are tied to companies represented in the index

It is constructed on a modified capitalisation methodology.  This modified method uses individual weights of the companies according to their market capitalisation.  Weighting allows constraints to limit the influence of the largest companies and balance the index with all constituents. The stock list is reviewed each quarter and weightings adjusted if the distribution requirements are not met.

All stocks within the index need to have an average daily trading volume of 200,000 and publicly report earnings quarterly as well as annually.  They also must be a component of the Nasdaq index for at least 5 years to be included this eliminates the smaller companies that come in and out of the Nasdaq from time to time.

Check out our FAQ below?

Who can avail of a Trillium Capital Pension fund?

  • Company Director
  • Self Employed
  • Employee
  • About to Retire
  • Retired

Basically anyone with a Self-administered pension can invest with Trillium. This includes Small Self-Administered Pension Schemes (SSAPS), Self-Invested Personal Pensions (SIPP), Approved Retirement Funds (ARF), Approved Minimum Retirement Funds (AMRF), and Self-Administered Personal Retirement Bonds (PRB). Self-administered or self-directed pensions and investments allow you to have direct control of investment policy and management of funds.

One of the main differences between long term savings plans and a pension is that you can claim Tax relief on the money you pay in to your pension. Another major factor that makes investing in your pension different to your other savings is ‘time horizon’.  These are the main benefits of starting and investing in a pension.

With Trillium Capital you will have access to the fund managers who can explain the pensions and investments strategies.

It is time you ensured that your retirement years are spent doing the things you always wanted to do, not regretting the opportunities missed. Sit back and let our highly experienced fund managers take care of your pensions and investments. We keep our pension promises.

Check out our FAQ’s below.

How your investment can grow over time.

Trillium Compounding Your Investment

Frequently asked questions about investing your pension

What fees do you charge for the Personalised Pension Portfolio Program?

0.5% of assets under managment with a minimum annual fee of €2000.00.

What is the minimum investment in the Personalised Portfolio Program?

There is no minimum invest amount for this program.

Can I add to my Pension in the Personalised Portfolio Program?

Yes, you can add to your initial investment on a monthly, quarterly or annual basis.

Can I withdraw from me Personalised Pension portfolio?

Yes, you can withdraw at the end of each month giving two weeks notice in advance.

What is the Sharpe Ratio?

The Sharp ratio can be used to evaluate the total perfomance of an individual stock or an aggregate portfolio.  It indicates how well an investment performs in comparison to the rate of return on risk-free investments. A high Sharpe ratio is good when compared to similar portfolios with lower returns.

What is Variance?

Variance is a measurement of the spread between numbers in a data set.  It is used to see how much risk an investment carries and whether it will be profitable.  It is also used to compare the relative performance of each asset in a portfolio to achieve the best asset allocation.

How secure is my money?

Clients assets are held off balance sheet. 

The funds are traded within the Interactive Brokers platform.  Interactive Brokers is a reputable company listed on the Nasdaq. It has over 1 million client accounts with over 2 million daily trades.  It  has equity capital of  $9 Billion and $6.9 Billion excess regulatory capital.

What is the minimum investment in the Trillium Capital Pension Fund?

€10,000 for a pension investor and €30,000 for a non pension investor.

What fees do you charge for the Trillium Capital Pension Fund?

There is an annual administration fee of 2% of the investment value, this is deducted at a rate of 0.5% per quarter.  We operate on a profit share basis, dividing all profits 70/30, you keep 70% and we take 30%.  The profit is calculated from the high water mark.

Can I make regular contributions to the Trillium Capital Pension Fund?

Yes, contributions can be made at the beginning of each quarter – January, April, July & October.

How long do I have to invest in the Trillium Capital Pension Fund?

We have a minimum investment term of 12 months,

What taxes do I pay?

We do not withhold exit taxes.  We are not tax advisors and recommend that you speak to your own tax consultant.

What is the high water mark?

The high water mark is the highest level in value an invesment fund has reached and is used as a demarcation point in determining performance fees that an investor must pay.  The purpose is to protect investors from repeatedly paying a fee every time the fund earns a profit.

What is a hedge fund?

A hedge fund is an investment partnership, made up of a professional fund manager or general partner such as Trillium Capital and the investors, such as you, who are also known as limited partners.  The limited partners put their investment money in to the fund.  The fund is the managed by the general partner on behalf of its limited partners.  The experience of the general partner allows them to manage investments and hedge where necessary to protect the investments of the limited partners.

What is the Nasdaq 100?

The Nasdaq is a basket of the 100 largest, most actviely traded stocks listed on the Nasdaq stock exchange.  It includes companies from a variety of different industreis except the financial industry.  Listed stocks need to publicly report earnings quarterly or annually and must ave an average daily trading volume of 200,000.  Exceptions are made for new public companies with extremely high market capitalisations.

What is the Dow Jones 30?

This is a stock market index is a widely watched benchmark in the US for blue chip stocks.  It is a price weighted index that tracks 30 large, publicly owned companies trading on the New York Stock Exchange and the NASDAQ.

What is the S&P 500?

The Standard & Poors Index is a market capitalisation-weighted index of the 500 largest U.S.  publicly traded companies.  It is a float-wieghted index which means the company market capitalisations are adjusted by the number of shares publicly traded.  It is widely regarded as the best gauge of large-cap US equities.

What is an ARF?

This is an approved retirement fund.  It is a post retirement investment plan for the proceeds of any of the following:

  • Defined Contribution Scheme
  • Additional Voluntary Contributions
  • Personal Retriement Savings Accont
  • Retriement Annuity Contract
  • Buy out  Bond (where the benefits from a definted bnefit or defined contribution scheme were transferred in to a buy out bond)
  • In the case of a 5% Director, other retirement benefits that are not taken in the form of a lump sum or pension on retirement.

Certain qualifying conditions must be met in order for you to be elegible to transfer your funds to an ARF.  Please check out The Pensions Authority for further information. 

What is a PRB?

A Personal Retirement Bond is a special type of personal pension contract, where the only premium payment comes from a transfer from an occupational pension scheme.  There are several rules around the transfer for such funds.  Please check out The Pensions Authority for more detailed information. 

What is a SSAPS?

It is a Small Self-Admisitered Pension Scheme which can also be refferred to as a Self-Invested Pension Plan (SIPP).   It is a pension backed by your employer, an employer can establish one for any employee.  Most commonly used for company directors and owners. It differes from other pension schemes where the contributions are given to a life assurance company or other financial investment company.  The owner of the pension is in control of the invesment decisions.

LET US HELP YOU RETIRE ON YOUR TERMS.

OUR PENSION PARTNERS INCLUDE:

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Our past Hedge Fund trading experience and expertise will help build YOUR better future

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