Even though the Horizon Choice Pension Plan is a multi-member approved scheme, it has been designed in such a way that it can offer you most of the features available within a Retirement Annuity Trust Scheme. However, you will only be expected to pay for the features you choose to use. This results in “choice” – a tailor-made pension scheme where you have an element of control over both the product and the costs.
The Horizon Choice Pension Plan is open to anyone between 18 and 75 years of age who is a Bailiwick of Guernsey resident or those who already have a Guernsey-based pension scheme and are looking to transfer to a RATS.
Horizon Choice has a flexible investment structure and holds standard asset classes. If you’re an experienced investor, it also lets you manage your own investments through its Member Directed investment approach. You can also request that we provide an investment manager through the use of our sister company Gower Financial Services Limited or one of our many other professional relationships.
Retirement benefits may commence at any time between age 50 and 75 years, and it also allows for a personal loan to be drawn from the retirement fund. This gives you maximum flexibility over how and when you access your pension. Horizon Choice also gives you the freedom to contribute to your plan regularly, or through ad-hoc payments, and can be used to consolidate existing pensions into a single arrangement.
Horizon Choice is the perfect plan for Guernsey residents who know what they want from a pension, and require the freedom to get it.
If you are interested in investing via non‑standard assets please revert to our Bespoke offering for further details.
Alternatively for smaller arrangements you may wish to consider the Horizon Guernsey Pension Plan