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Guernsey RATS for Employers

Our pension products and client service solutions are built specifically with members in mind.

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The Blue Riband Guernsey Retirement Annuity Trust Scheme (RATS) for Employers

The Blue Riband Guernsey RATS for Employers is a solution for Guernsey Employees to save for their retirement and to amalgamate their pension savings, including those held in UK registered arrangements, to provide a cost-effective, flexible, trouble-free, well-designed retirement savings vehicle.

The Blue Riband Guernsey RATS is managed by BWCI Pension Trustees Limited and provides a positive retirement solution for Guernsey employers and employees.

Features of the Blue Riband Guernsey RATS

The Blue Riband Guernsey RATS can be tailored to meet individual employers’ specific needs.

We recognise that companies have varying objectives for their pension savings vehicle. As a result, we offer flexibility within the Blue Riband Guernsey RATS so that each company can select a pension savings vehicle ideally suited for their needs. In addition, each company may operate a different RATS type for different categories of employees.

As investment values are not guaranteed and may fluctuate, the Blue Riband Guernsey RATS provides a range of funds to enable contributions to be invested across a diverse range of assets.

We set out below the key features of the different options.

1: STANDARD OPTION

 

Suitable for organisations which are looking for a company pension savings vehicle that offers a core set of low cost index-tracking investments and exceptional value for money.

Set-up

Rules
Already established – no customisation

Deed of Adherence
Produced from standard documents

Investment Strategies

Lifestyle (1) or Self Select.

Investment Funds

12 core funds across a broad range of asset classes. These funds are index-tracking

Member Communication
  • Employer’s Factsheet: Customised
  • Member Booklet
  • Investor’s Guide
  • Member forms
  • Website

2: ENHANCED OPTION

 

suitable for organisations which are looking for a company pension savings vehicle that has access to both index-tracking and additional actively managed funds selected from a range of investment managers whilst still offering exceptional value for money.

Set-up

Rules
Already established – no customisation

Deed of Adherence
Produced from standard documents

Investment Strategies

Lifestyle (3) or Self Select.

Investment Funds

12 core funds across a broad range of asset classes. These funds are index-tracking. Also, 9 additional actively managed funds selected from a range of investment managers across the major asset classes.

Member Communication
  • Employer’s Factsheet: Customised
  • Member Booklet
  • Investor’s Guide
  • Member forms
  • Website

3: SPECIALIST OPTION

 

Similar to the Enhanced RATS but also including a number of selected funds in specialist asset classes. This option is only suitable for individuals with knowledge of the investment markets.

 
Set-up

Rules
Already established – no customisation

Deed of Adherence
Produced from standard documents

Investment Strategies

Lifestyle (3) or Self Select.

Investment Funds

12 core funds and 33 additional actively managed funds selected from a range of investment managers. These represent a wide set of asset classes including specialist categories.

Member Communication
  • Employer’s Factsheet: Customised
  • Member Booklet
  • Investor’s Guide
  • Member forms
  • Website

4: TAILORED OPTION

This is a company specific RATS that allows you to tailor the RATS to your requirements including your own branding on member communications and the member website. An “open architecture” fund choice is also an available option (subject to Trustee consent). More details are available on request.

Contact us for further details on the
Blue Riband Guernsey RATS for Employers

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Key Principles

The three key principles behind the BWCI Blue Riband Guernsey RATS for Employers are:

EMPLOYER ASSISTANCE

Acts as a tool for recruitment, motivation and staff retention

Easy to setup and cost-effective with the ability to choose who pays the ongoing fees

Employer contribution rate flexibility

No social security payments on contributions to the Blue Riband RATS

Dedicated client team and Email facility to answer all member questions

EMPLOYEE ENGAGEMENT

Simple and easy to understand

Members Booklet setting out the benefits and an Investor’s Guide setting out investment options

Employee contributions eligible for valuable tax relief (subject to limits) and flexible regular or lump sum payment

Dedicated website

Pension projector available to help plan for retirement

DESIGN SIMPLICITY

Defined contribution

Lifestyle Strategy which automatically switches investments as the member gets closer to retirement

Transfers in from other pension arrangements enable employees to bring all their pension savings together

RATS continue on an individual basis for leavers/retirees

Full transparency on costs, no hidden charges

Our Approach

Product Simplicity

Too much choice and complexity confuses everybody.

We keep it simple
Expertise and Experience

We have a knowledgeable and enthusiastic team to support you and your employees.

We support you
Simple Communications

Product descriptions are in a language that everyone understands.

We make it clear
Web Access For All

We provide 24 hours a day secure access with up to date valuations, pension projections and the ability to switch between investment funds.

We support you
Help For Employers

It is important that you are able to run your business without distractions and do what you do best. We do all the administration in a simple and trouble free manner.

We take the strain
Transparency of Charging

To help build trust in pensions we believe it is vital that charges are simple and transparent.

We tell you

BWCI Pension Trustees Limited
PO Box 68
Albert House
South Esplanade
St Peter Port
Guernsey
GY1 3BY

Tel: +44 (0) 1481 728432
Fax: +44 (0) 1481 724082

Website: https://pensions.bwcigroup.com

Email: menhir@bwcigroup.com

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