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Horizon

Pensions for International Clients

Gower Pensions Management offers a diverse range of pension and retirement saving solutions using retirement annuity trust schemes (RATS) for both Guernsey residents and international clients. We appreciate that individual circumstances may differ and it may even be appropriate for you to have more than one pension plan with us to accommodate your retirement savings needs. 

Please click on the links below for further information. Alternatively use our Pension Wizard to help find the right pension solution for you. Alternatively please contact us to discuss your pension requirements. 

Horizo‚Äčn International Pension Plan (HIPP Equus / HGIB) – Gibraltar QROPS

Multi‑Member Gibraltar QROPS; Open to International Clients

A multi‑member retirement plan with flexible investments via investment platforms. Suitable for UK pension transfers. Offered via Equus RATS. 

Horizon QNUPS Plan

Multi‑Member; Open to Guernsey Residents & Internationals

A supplementary multi‑member retirement plan with open architecture investments via investment platforms. Investment into Standard Asset Classes only.

Horizon QNUPS Plus (Bespoke)

Individuals / Families; Open to Guernsey Residents & Internationals

A bespoke/tailored supplementary retirement plan for individuals and/or families. Open architecture investments which is able to hold both standard and non‑standard assets classes (i.e. private company shares and property).

Vision International (VIPP)

Multi‑Member 40ee; Open to non‑Guernsey residents (employer options for employees)

Vision International Pension Plan (VIPP) is designed to facilitate flexible retirement saving. It is suitable for individuals or for employers to establish an individual pension arrangement for their employees, especially whilst employees are overseas. These type of retirement savings schemes generally offer greater flexibility with regard to investment options and when benefit may be taken compared to Guernsey approved schemes.

Vision Bespoke Plans

Multi‑Member 40ee; Open to non‑Guernsey residents (employer options for employees)

Vision Bespoke International Retirement Savings Plans (Vision Bespoke) are retirement annuity trust schemes established by way of trust deed and designed to facilitate flexible retirement saving in a more tailored approach for an individual or employer. These type of retirement savings schemes generally offer greater flexibility with regard to investment options and when benefit may be taken compared to Guernsey approved schemes.

 

 

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