TILLIT REVIEW – What makes TILLIT different?


In this TILLIT review we’ll examine the pros and cons of the platform and explain what makes TILLIT different from other fund based investing platforms. We’ll also delve into the TILLIT fees and account options, to help you decide if TILLIT could be the right choice for you.


TILLIT* was founded by Felicia Hjertman who is also the CEO of the company. Felicia spent 8 years managing multibillion dollar portfolios at the renowned asset management firm Baillie Gifford.

TILLIT are also financially backed by fund managers with over 90 years of combined experience.

You can see then why TILLIT are so focused on investing via funds. The company passionately believe that funds are the best choice for DIY investors who want value.

TILLIT means ‘Trust’ in Swedish by the way, in case you were wondering where the name comes from.

What Makes TILLIT Different?

Many investors know there are a variety of investment platforms around that focus on funds as route to success. So how are TILLIT different?

If we compare TILLIT with many of the popular investment platforms around, we will see that TILLIT allow you to invest in a wide variety of funds, not just ETFs (Exchange Traded Funds) as many robo advisors focus on. This is the first key difference.

A second key difference with TILLIT is that they have sifted through the MASSIVE amount of funds in the investment world to find the ones that they believe to be the best. So, when you invest in a fund offered on the TILLIT platform, you will know that it has already been vetted by the company and received the TILLIT seal of approval. This doesn’t mean that it’s impossible to lose money of course, any investment carries a degree of risk.

TILLIT also stand out as different in the way they present these funds to you the investor. Rather than having to trawl through a load of financial jargon to understand what a fund is really about, each fund comes with a snappy headline and a simple to understand summary of what the fund is and why it might be right for you.

Finally, TILLIT receive no commissions or other financial incentives from the funds they choose to include on the platform. This offers peace of mind that TILLIT have chosen the fund because they feel it is worthy of their platform, not because they have a financial incentive to do so.

Choosing Funds with TILLIT

Now you know what makes TILLIT different, you may be wondering how to find funds to invest in on the platform.

This again is where TILLIT stand out as different in the way they have presented and organised the funds. Funds on the platform are classified by region, theme, equity style, bond style, sustainability and whether they are active or passive funds. There are also drop down filter menus on the TILLIT website which allows you to easily include or eliminate funds in a search based on their various classifications.

Don’t forget, only funds that are deemed to be best-in-class are included in the TILLIT Universe as they call it.

TILLIT also has a quite unique way of guiding you to funds you might like using a hexagonal pattern on their website.

As you can see, you can invest in funds in a variety of asset classes such as property, technology, sustainability, government bonds and the list goes on. You can also invest in many different regions with the US, UK and Asia being just a few.

If you like the look of a fund, simply type in the amount you’d like to invest and then add the fund to your basket. If you then decide to open a TILLIT account* your selected funds will be waiting for you in your basket.

TILLIT Account Options

TILLIT offer several different account types which can help you to make the most of your money through tax efficient investing. These include a General Investment Account (GIA) , Stocks and Shares ISA and you can sign up to be notified when they launch their Self-Invested Personal Pension (SIPP).

TILLIT General Investment Account

The standard account you can opt for with TILLIT would be their General Investment Account. There are no tax benefits attached to this type of account but it can be useful for those who might already have reached their ISA allowance maximum investment amount – currently £20,000 annually.

TILLIT Stocks and Shares ISA

Investing via a TILLIT Stocks & Shares ISA offers certain tax benefits. The main benefits are that there are no taxes to pay on capital gains or income generated via dividends or interest received.

However, you can only invest up to £20,000 per tax year in a Stocks and Shares ISA – or in any of your ISAs for that matter. So if you’ve already added £5000 during this tax year to a Cash ISA, Lifetime ISA or Innovative Finance ISA (IFISA), then you will only be able to invest £15,000 into a Stocks and Shares ISA. While this ISA limit might be more than suitable for a lot of investors, it may not be enough for others. This is where the General Investment Account mentioned above might come into use.

Transferring Existing Accounts to TILLIT

One worry you may have is whether you can transfer your existing accounts to TILLIT? Especially given that they only have a selected number of best-in-class funds on the platform.

The good news here is that it’s easy to transfer existing holdings to TILLIT and they will help you with every step of the process via their Transfer Concierge service. Don’t worry, this is a free service.

TILLIT have even created something they call the Dark Universe which will allow you to bring funds across which they don’t currently have available for selection and then hold these in your account.

Cash transfers usually only take a few days to complete but other types of transfers may take between 4 and 8 weeks depending on your current provider.

TILLIT don’t charge any fees to transfer in or out of the platform but your current provider might, so it’s worth checking that.


We’ve now come to the point in our TILLIT review where we look more closely at TILLIT’s fees.

The TILLIT fee structure is probably one of the simplest pricing structures I’ve seen. TILLIT only charge one simple flat fee which starts at 0.4% in the first year. Then for each year you stay with TILLIT they will reduce your platform fee by 0.01%. So if you stay with TILLIT for 10 years, you will only pay 0.3% in year 10, 0.29% in year 11 and so on. This will continue until you reach the lowest fee level of 0.25% in year 15.

(Individual fund fees, stamp duty, and the Panel of Takeovers and Mergers (PTM) levy may apply)

It really doesn’t get much simpler than that, with many companies only offering decreasing fees when you invest higher amounts.

Opening an Account

To open an account with TILLIT you need to be a UK resident with a UK address and bank account. You’ll also need to be over 18.

TILLIT Minimum Investment Amount

TILLIT also don’t have a minimum investment amount. Well, there sort of is one but it’s only £1 which I’d imagine will be affordable for anyone looking to invest.

It’s worth mentioning here that you will also earn interest on uninvested cash in your TILLIT account. TILLIT pass on 100% of the interest they receive on cash to you the investor.

Is Your Money Safe with TILLIT?

TILLIT is authorised and regulated by the Financial Conduct Authority (FCA). Your money is protected by the Financial Services Compensation Scheme up to £85,000, protecting your money should TILLIT or its custodian Seccl Custody Ltd go into administration. Of course this does not mean that you cannot lose money due to your investment decisions or market movements. All investments carry risk and the value of investments can rise and fall.


We hope you have found this TILLIT review helpful in deciding whether they are the right investment platform for you. I personally like the TILLIT approach. It really can be overwhelming at times to think about having to trawl through many thousands of funds to find the best ones, so to have only the TILLIT best-in-class funds on the platform available for selection seems to me to be a great idea. I also really like that the initial annual fee is quite low at 0.4% and decreases by 0.01% for each year you stick with TILLIT. This really does reward the investor for loyalty.

If you think that TILLIT are the right choice for you then you can sign up here*.

Please note – If you sign up with TILLIT via a link in this post we will receive a small commission at no extra cost to you. This helps us to keep this website operational and free to use. Thanks 🙂

* Capital at risk

*Tax treatment is dependent on your individual circumstances

*Subject to HMRC requirements

*Past results do not guarantee future results

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