Acorn Life Master Trust

A Smarter Way to Manage Workplace Pensions

The Acorn Life Master Trust is a multi-employer occupational pension scheme, governed by a single legal trust and overseen by an independent trustee board. It offers a streamlined and secure solution for employers looking to provide workplace pensions without the complexity of managing a standalone scheme.

What is a Master Trust?

A Master Trust brings together multiple employers under one professionally governed pension structure. Each participating employer maintains its own scheme identity, while key responsibilities—such as compliance, governance, and regulatory reporting—are handled centrally by experienced trustees.

In Ireland, Master Trusts have become the leading structure for Defined Contribution (DC) pension schemes, especially in light of the IORP II Directive, which introduced stricter governance and risk management standards. By joining a Master Trust, employers benefit from professional trustee oversight, helping to ensure that employee pension plans are compliant, well-managed, and future-ready.

Key benefits of a Master Trust include:

Simplified Pension Management

Leave the complexities of pension administration, compliance, and governance to the experts. Our professional trustee board manages these elements on your behalf, giving you more time to focus on your business.

Strong Governance & Oversight

Acorn Master Trustee DAC provides independent oversight of investments and regulatory compliance. Your employees' pensions are supported by robust governance structures designed to protect their long-term financial wellbeing.

Cost Efficiency

Through shared services and economies of scale, the Master Trust keeps running costs competitive compared to setting up and managing your own scheme. This means better value for you and your employees.

Ready to Join or Learn More?

If you're an employer looking for a future-proof pension solution, the Acorn Life Master Trust could be the right fit for your business. Get in touch with our team today to find out how we can help you support your employees’ retirement planning—securely, efficiently, and confidently.

Download our Master Trust Brochure here

 

 

Important: Please note that the above are only brief summaries of the features of Acorn Life Pension Plans. The full terms and conditions are set out in the relevant Policy Provisions. Some of the charges on certain regular contribution pension products are not applied uniformly throughout the life of the product but are deducted in the early years. If you withdraw from the policy in the early years the surrender value, if any, is likely to remain below the level of contributions paid into the policy. 

For a summary of our Fees and Charges please click here.

Warning: The value of your investment may go down as well as up.
 
Warning: If you invest in this product you may lose some or all of the money you invest.
 

Warning: This product may be affected by changes in currency exchange rates.
 

Warning: If you invest in this product, you will not have access to your money until age 60 and/or you retire.
 

Warning: The income you get from this investment may go down as well as up.