Horizon Guernsey QROPS

A retirement savings plan for your UK Pension transfers

This plan is designed for Bailiwick residents who wish to transfer existing UK pension arrangements back to Guernsey. It lets them supplement their existing Guernsey pension savings through a cost-effective QROPS, consolidating both pension pots so that they can be managed locally.


Horizon QROPS is the perfect solution for Guernsey residents who are also in possession of a UK pension, and want to hold it alongside their Guernsey pension scheme. Because of its unique structure, this scheme is more in-line with the UK registered pension framework than our other Guernsey resident products

This plan is open to anyone between 18 and 75 years of age who is a Bailiwick of Guernsey resident, and plans to remain in the Bailiwick for at least 5 years after any pension transfer from the UK is arranged.


Horizon QROPS is only able to invest in standard asset classes, and must be managed by a professional investment manager. You can 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 55 and 75 years of age, and an initial lump sum of between 25% and 30% of your fund value is available on retirement. Once certain time frames have lapsed it may also be possible to seek flexible benefit drawdown from the plan. This allows greater flexibility when planning for retirement.

To apply for the Horizon Guernsey QROPS Pension Plan download the application or enquire online

Alternatively contact us by

Horizon Guernsey QROPS FAQs

At what age can benefits be taken from a pension?

This will normally be defined in the deed based around the parameters of the scheme's approval/acceptance/exemption.

  • Section 157A & 150: From age 50 (unless ill health would apply) and normally the latest being age 75 (or as the law may allow and as may be amended). Some Section 150 Corporate schemes may stipulate a later retirement age, perhaps in line with a contract of employment.

  • QROPS: From age 55 with no defined upper age in law, though from age 75 a benefit calculation must have taken place.

  • Section 40ee: There is discretion on the retirement age of the member which will normally be agreed on establishment but then that may be altered at a later date if agreed between the member and the Trustee.