The International Savings Plan for Employers
The International Savings Plan provides a positive savings solution for international employers and employees.
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The Blue Riband International Savings Plan for Employers
The Blue Riband International Savings Plan is a solution for international employers – whether a small or large employer – providing a cost-effective, flexible, trouble-free, well-designed plan that provides a solution for retirement savings for international employers and employees.
The Blue Riband International Savings Plan is managed by BWCI Pension Trustees Limited.
Features of the Blue Riband International Savings Plan
The Blue Riband International Savings Plan can be tailored to meet individual employers’ specific needs.
We recognise that companies have varying objectives for their savings plans including End of Service Benefit Plans and Gratuity Schemes. As a result, we offer flexibility within the Blue Riband International Savings Plan so that each company can select a savings plan ideally suited for their needs. In addition, each company may operate a different plan type for different categories of employees.
We set out below the key features of the different options.
1: STANDARD OPTION
Suitable for organisations which are looking for a company savings plan 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
Self Select.
Investment Funds
11 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 savings plan 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
Self Select.
Investment Funds
11 core funds and 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 plan but also including a number of selected funds in specialist asset classes.
Set-up
Rules
Already established – no customisation
Deed of Adherence
Produced from standard documents
Investment Strategies
Self Select.
Investment Funds
11 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
As investment values are not guaranteed and may fluctuate, the Blue Riband international Savings Plan provides a range of funds to enable contributions to be invested across a diverse range of assets.
4: TAILORED OPTION
This is a company-specific plan that allows you to tailor the plan 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 International Savings Plan
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Key Principles
The three key principles behind the BWCI Blue Riband International Savings Plan 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
Savings product fully regulated by the Guernsey Financial Services Commission
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
Switching available online
DESIGN SIMPLICITY
Defined contribution
Three different cash funds available
Transfers in from other saving arrangements enable employees to bring all their savings together
International personal pension plan available for retirement savings
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
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: blueribandisp@bwcigroup.com
