White Ensign RATS for Individuals

You can select and direct investment decisions. This may include appointing a discretionary investment manager (normally Channel Island based) or managing the investments yourself (subject to any regulatory restrictions)

You appoint a financial advisor (subject to agreement from BWCI) who has the power to make, select and direct investments

BWCI has the power to make, select and direct investment decisions having regard to your wishes

• Any Bailiwick of Guernsey resident or
• Non Bailiwick of Guernsey resident who has earned benefits in a Guernsey approved pension arrangement or
• Non Bailiwick of Guernsey residents with no previous pension benefits.

You can retire at any age between 50 (or earlier due to ill health) and 75.

You can elect to receive up to 30% of your account as a lump sum payable as a series of lump sum payments, if required. Your residual account will be used to provide you with regular draw down payments over your lifetime. Transfers in from UK pension arrangements may be subject to different restrictions.

On death before or after retirement, your account can be paid to your dependants as a lump sum or regular draw down payments.