The responsibility of having a pension has never been more important in providing for you and your family when you retire.

Optimus have vast experience in administering pension schemes as well as working with partnering scheme administrators in a variety of jurisdictions. By working with our network of advisers, administrators and trustees you can be assured of the highest standard of choice backed up by exceptional client servicing.

Pensions are a specialised area of financial planning. It is therefore imperative that you take appropriate professional advice in your present and, if appropriate, intended country of residence. We can provide assistance in sourcing this.

A QROPS offers clients the opportunity to preserve and enhance their pension in a tax efficient manner to protect your accumulated wealth.

Benefits of a QROPS can include a broader range of appetite-appropriate investments, No Lifetime Allowance test once transferred, Lump sum flexibility and the ability to pool existing pension pots. A QROPS is designed to accept transfers from a UK registered pension scheme.

SFDR Disclosures

In terms of Regulation (EU) 2019/2088 – the Sustainable Finance Disclosure Regulation, OFML also referred to as the Company, is subject to certain requirements relating to sustainability‐related disclosures. The relevance of sustainability risks has been considered by the Board of Directors, and whilst OFML recognises environmental, social and governance (ESG) matters as contributors to creating and generating sustainable financial value, sustainability risks are not the primary focus of the products offered.

Whilst it is OFML’s policy to promote the awareness and integration of ESG matters, it may not always be appropriate or possible to integrate sustainability risks into internal processes and activities, thus no consideration of adverse impacts are taken on sustainability factors during the limited investment decisions/powers granted to the Company in accordance with the Standard Licence Conditions of a Retirement Scheme Administrator. OFML is actively pursuing on how it can include ESG factors and consider adverse impacts and sustainability risks into its investment decision process to achieve the Sustainable Development Goals outlined in the Paris Agreement. Kindly contact us on enquiries@optimus.com.mt for a full copy of our ESG Policy.

Remuneration Policy: “No variable remuneration is paid to our staff unless it is determined to be justified following a performance assessment based on quantitative (financial) as well as qualitative (non – financial) criteria. The Company deems that there is no risk of misalignment with the integration of the sustainability risks, if any, in our investment decision making process with respect to any investment decisions in lieu of the Schemes. As such, the Company believes that the existing structures are sufficient to prevent excessive risk taking in respect of sustainability risks, if any.”

For the Optimus Retirement Benefit Scheme No 1 (“the scheme”), the following applies: OFML is a Retirement Scheme Administrator for the Optimus Retirement Benefit Scheme No.1. In terms of Regulation (EU) 2019/2088, presently, there no consideration of adverse impacts on sustainability factors and risks and the investments underlying the financial product do not take into account the EU criteria for environmentally sustainable economic activities This is due to the limited powers of the Company in accordance with the S.L.C of a Retirement Scheme Administrator. OFML is actively pursuing on how it can include ESG factors and consider adverse impacts and sustainability risks into its investment decision process to achieve the Sustainable Development Goals outlined in the Paris Agreement