Multi-Member Pension

You're young, footloose and fancy free. You have years until you need to start thinking about your retirement.

WRONG!! The earlier you start saving for your pension the better. Find out how Granite RATS can help you.

Granite RATS logo


Build for your future in Granite

If high costs and too many choices have been putting you off starting a pension, Granite Retirement Annuity Trust Scheme (“Granite RATS”) could be the solution for you.


Strong 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 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.



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 meaning you can access the benefits of a Retirement Annuity Trust without the costs involved in an individual bespoke scheme.

You can invest from as little as £100 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 

  • Save from as little as £100 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 Ravenscroft
  • 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

Money in the scheme is invested by local investment experts, Ravenscroft, in a range of their managed funds, full details of which are on the following pages.

Depending on your risk appetite you can choose from the following:

Huntress Global Income Fund                               Lower risk

Huntress Global Balanced Fund                           Lower to medium risk

Huntress Global Growth Fund                               Medium risk

Huntress Global Blue Chip Fund                            Medium to Higher risk

Bailiwick Investments Limited                                 Medium to Higher risk

Channel Island Property Fund Limited                  Medium to Higher risk


Please contact Krista Doggett ( for further information on how Granite RATS can help you realise your retirement plans.




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