Reliable and local

Saving for your future is simple with Granite RATS, a local flexible pension scheme tailored for the residents of the Bailiwick of Guernsey.

Collenette Jones are Channel Island experts in local tax advice and we can help ensure that your RATS is as tax efficient as possible. We have administered and acted as trustee of RATS for almost 20 years. We are always happy to answer questions on how best to contribute funds to and how to withdraw funds from the scheme.

Affordable

It is never too early to plan for retirement and a RATS is an effective and affordable way to save for your future. Granite RATS is a multi member scheme. This means that you can access the benefits of a Retirement Annuity Trust without the costs involved in establishing an individual bespoke scheme.

You can invest from as little as £130 per month and can borrow up to 30% of the value of the fund, should you require funds prior to drawing your pension.Key advantages of the Granite RATs scheme

• Save from as little as £130 per month
• Tax relief is available on contributions (subject to limits)
• Consolidate existing pension funds into one scheme
• Invest in a range of funds managed by local experts Titan Wealth
• A purchased annuity is not compulsory
• Funds can be passed to your Estate beneficiaries on your demise
• 30% tax free lump sum accessible from age 50
• Borrow up to 30% of your fund value as a loan
  
  

Local investment expertise - additional support from Titan Wealth

Money in the scheme is invested by local investment experts, Titan Wealth, in a range of their managed funds, full details of which are available on request. Depending on your risk appetite you can choose from the following:

• Titan Global Income Fund - Lower risk
• Titan Global Higher Income Fund - Lower risk
• Titan Global Balanced Fund - Medium risk
• Titan Global Growth Fund - Higher risk
• Titan Global Blue Chip Fund - Higher risk
• Titan Global Solutions Fund - Higher risk
• Bailiwick Investments Limited - Medium to Higher risk
• Channel Island Property Fund Limited - Medium to Higher risk
  
  
  

About Titan Wealth

Titan Wealth (formerly Ravenscroft) is multi-jurisdictional wealth management firm. The organisation is well established and highly respected, employing more than 1,400 people across eight jurisdictions including Guernsey, and with £37bn of assets under administration for all types of clients; from individuals and families to charities, intermediaries and corporations.

Titan offer a range of services to help clients achieve their investment objectives; whether they are looking to trade directly, discuss investment opportunities, save over a longer period, invest in precious metals or achieve higher returns on their cash.

They aim to operate with exceptional customer service, integrity, transparency and accountability. You can find out more on the Titan website.

Next steps to establishing a Granite RATs pension

Please contact Krista Doggett (krista@cjco.gg) for further information on how the Granite RATS pension scheme can help you realise your retirement plans. 

Collenette Jones have been operating successfully on Guernsey and in the Channel Islands since 1978 - over forty years in practice. For further information and a personal discussion of your needs, please contact us.

Data protection

If you are an existing RAT client our terms of engagement are covered by the following data protection policies - Privacy Notice and Terms of Business - Data Protection (Controller to Individual).