Verdict up front: M. J. Life & Pensions (mjlifepensionsltd.com) describes itself as “a Central Bank of Ireland-authorised firm founded in 1991”. Its domain was registered on 19 December 2025. The Dutch regulator, the AFM, warned about the site on 15 September 2026.
| Website | mjlifepensionsltd.com |
|---|---|
| What it claims | Fixed-income pension plans “fully aligned with European regulatory standards” |
| Regulation claimed | “Central Bank of Ireland-authorised firm founded in 1991”; “Fully Regulated & Authorised” |
| Also shown | “Australia Branch: CT & MJ HOLDINGS PTY LTD; ABN: 70 696 445 851; ACN: 696 445 851” |
| Regulator | AFM (Netherlands) warning, 15 September 2026 (via IOSCO I-SCAN) |
| Domain registered | 19 December 2025 — about nine months old |
| Status | Live — page loads today |
Thirty-five years on a nine-month-old domain
The homepage says: “As a Central Bank of Ireland-authorised firm founded in 1991, we offer clients access to a curated range of pension-focused investment-grade bonds, alternative investment funds, and tailored portfolio solutions.” It promises “capital preservation, predictable returns, and regulatory protection”.
The web address the firm uses was registered in December 2025. And the regulator that has spoken about it is not a friendly one: the Dutch AFM has put the site on its warning list.
Contacted by someone from M. J. Life & Pensions?
✎ FILE A COMPLAINT ABOUT M. J. LIFE & PENSIONS
The complaint form goes straight to our case team — include the website, what you paid and any screenshots. Never send passwords or seed phrases.
An Irish firm with an Australian branch
A banner across the top of every page reads “Australia Branch: CT & MJ HOLDINGS PTY LTD” with an ABN and ACN. So the site claims Irish authorisation, targets pension savers in Europe, is warned about by the Netherlands and names an Australian company in its header. Genuine pension providers do not need three jurisdictions to explain who they are.
If a firm claims Central Bank of Ireland authorisation, look it up on the Central Bank’s own register by name before sending anything — and check that the web address listed there is the one you are on.
⚠ Verified evidence
- The Dutch AFM warned about mjlifepensionsltd.com on 15 September 2026.
- The site claims to be a Central Bank of Ireland-authorised firm founded in 1991.
- The domain was registered on 19 December 2025.
- Its header names an Australian company, CT & MJ Holdings Pty Ltd.
- It promises “predictable returns” and “capital preservation”.
What the AFM warning means
The AFM warns the public about parties offering financial services in the Netherlands without the required licence. It is a regulator warning, not a court ruling.
What to do if you have dealt with M. J. Life & Pensions
- Stop sending money, including any “fee”, “tax” or “release charge” asked for before a withdrawal.
- Keep every record: payment receipts, wallet addresses, chats, emails and screenshots of your account.
- Tell your bank or card provider straight away and ask about a chargeback or recall.
- Report it to the AFM (afm.nl) or your own national regulator and to your local police or fraud centre.
- Be wary of anyone who contacts you offering to recover the money for an upfront fee.
Contacted by someone from M. J. Life & Pensions?
✎ FILE A COMPLAINT ABOUT M. J. LIFE & PENSIONS
The complaint form goes straight to our case team — include the website, what you paid and any screenshots. Never send passwords or seed phrases.
Sources, checked 29 September 2026: AFM (Netherlands) warning via IOSCO I-SCAN (15 September 2026) · RDAP registration record for mjlifepensionsltd.com · the live page at mjlifepensionsltd.com, read in full. A regulator warning is not a court ruling. Educational content — not financial advice.
