Guernsey RATS for Individuals

Overview

Guernsey RATS offers flexibility so that each individual can tailor the RATS for their own needs.

The Blue Riband Guernsey RATS is a solution for Bailiwick of Guernsey residents to save for their retirement and to amalgamate their pension savings, including those held in UK registered pension arrangements. It also can bs used to met Guernsey Secondary pension requirements. Individuals can transfer on retirement and draw down on their account and receive regular pension payments .

Overall, the Blue Riband Guernsey RATS provides a:

  • cost-effective
  • flexible
  • trouble-free
  • well-designed retirement savings vehicle.

Plan Options

We recognise that individuals have varying objectives for saving for retirement. As a result, we offer flexibility within the Blue Riband Guernsey RATS so that each individual can tailor the RATS for their own needs.

Both options can use either our Lifestyle or Self Select investment strategies.

Enhanced
option

Suitable for individuals who are looking for a retirement savings vehicle that has access to a core set of low-cost index-tracking investments and additional actively managed funds selected from a range of investment managers whilst still offering exceptional value for money.

Investment funds

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

Also,  15 additional actively managed funds selected from a range of investment managers across the major asset classes.

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.

Investment funds

13 core funds and 33 additional active and passive managed funds selected from a range of investment managers.

These represent a wide set of asset classes including specialist categories.

Our Approach

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

Product Simplicity

We keep it simple.

Expertise & Experience

We support you.

Simple Communications

We make it clear.

Transparency of Charging

We tell you.

Help For Employers

We take the strain.

Web Access For All

We give you control.

Frequently asked questions

I am self-employed. Can I join and save for my retirement?

I am shortly going to retire and have a couple of different pension arrangements. Can I transfer them in and start taking benefits?

How can I pay contributions?

How can I keep track of my account?

Got questions? We've got the answers.

View our knowledge base

Ready to discuss your pension options?

Lets have a chat

Looking to transfer a pension plan?

We make it easy

Guernsey

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

Gsy: +44 (0)1481 728432

pensions@bwcigroup.com

Jersey

BWCI (Jersey) Limited
De Carteret House
7 Castle Street
St. Helier
Jersey, JE2 3BT

Jsy: +44 (0)1534 880112

pensions@bwcigroup.com

Pensions

Company

Trustee and administration services are provided through BWCI Pension Trustees Limited, which is regulated and licensed by the Guernsey Financial Services Commission under The Regulation of Fiduciaries, Administration Businesses and Company Directors, etc. (Bailiwick of Guernsey) Law, 2020. Guernsey Registered Company No. 8766.

Trustee services are provided by Blue Riband Trustees (Jersey) Limited, which is licensed under the Financial Services (Jersey) Law, 1998 for the conduct of Trust Company Business. Administration services are provided by BWCI (Jersey) Limited, which is not regulated by the Jersey Financial Services Commission.

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