Continued uncertainty surrounding Brexit and the implications of a potential change in Government

The UK Parliament will hold a second day of indicative votes today where different Brexit options will be explored. This comes after the UK Parliament rejected the withdrawal agreement on March 29th, following two previous rejections of the entire deal. A power vacuum is being created in the government and if this instability continues in the following years, it could result in a change in government following the next general election in May 2022 or even sooner.

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Baillie Gifford's "Extremely Impressive" Performance Over Decade

FundCalibre, an independent fund research ratings agency, released their annual index which determines the top asset managers that have consistently outperformed over the past five years.

 They announced that, Baillie Gifford placed third in their index, following Morgan Stanley and Man GLG. FundCalibre noted that Baillie Gifford and T. Rowe Price have been among the top ten companies in each of the five annual surveys and both firms have outperformed over "almost a decade" despite having larger product offerings, and "maintaining such a level of consistency… is extremely impressive".

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New Zealand Named Most Comfortable Country for Retirement

According to US News, New Zealand was ranked first place for the best country for a comfortable retirement in 2019. Chosen for its high quality of life, retirement and social support, climate, culture and natural beauty, New Zealand is already a popular destination for those looking to retire. With some planning and help from a reputable pension transfer services firm, make your retirement journey smooth and efficient. 

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Are You Brexit Ready?

For many of those with their pensions tied up in UK schemes and looking to get out, the looming threat of a no-deal Brexit, may mean being even more proactive in planning your future in retirement.

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Baillie Gifford Managers Named Top Performing Fund Managers

Two fund managers at Baillie Gifford have made the Financial Times Adviser’s list of top performing fund managers for 2019. Mark Urquhart and Torcail Stewart were named on the esteemed list as being some of the best performing managers dating back to the year 2000. These performances have been based on risk adjusted returns in during times of economic growths and down-turns.

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‘Suitable’ pension transfer advice may be becoming harder to come by

The Financial Conduct Authority (FCA) has recently released findings on the quality of pension transfer advice given by specialist advisory firms. These findings show that less than half of the advice given to clients regarding their defined benefit pension scheme was deemed ‘suitable’, based on new rules set by the FCA regarding pension transfers.

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Ranfurly Investment Schemes Announcement

We at Ranfurly are pleased to announce that we are offering two brand new investment options for new and existing members. The Sterling Growth Fund and the New Zealand Dollar Balanced Fund are replacing the Sterling Dollar Fund and the Australian Dollar Cash Fund. These funds have been  available to members to invest from the 28th December 2018.

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Ranfurly Superannuation Scheme Fund Manager Wins People’s Choice Award.

Leading investment news brand, Portfolio Adviser has announced the 2019 winners of their annual Fund Awards. Baillie Gifford received the coveted Readers’ Choice award. Baillie Gifford is the underlying fund manager for the Ranfurly Superannuation Scheme.

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Financial News Announces Baillie Gifford as Equity Manager of the Year.

Financial News revealed the winners of their 17th annual Asset Management Awards Europe. The awards were to celebrate the successes and innovation in the institutional sector in 2018.


Bailie Gifford, for the second year in a row, took out the coveted Equity Manager of the Year award. Under its management, Baillie Gifford’s funds grew by 12% to £177.6bn during 2018.

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Baillie Gifford Wins Top Prize in Prestigious Financial Times Advisor Award

For the second year in a row, Baillie Gifford has won the top prize at the FT Advisor’s Investment 100 Club, after being named the winner of the Large Investment Group category.

 This is notable as Baillie Gifford is the Ranfurly Superannuation Schemes underlying investment manager.

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25% Levy for Overseas Pension Transfers a Failure

Around 4,700 qualifying recognised overseas pension scheme (QROPS) transfers were carried out during 2017/18. Of these, only 30 transfers were required to pay the 25% Overseas Transfer Charge (OTC) that was introduced in March of 2017. Her Majesty’s Revenue and Customs had predicted £65 million in tax revenue from the tax, however, only £1.4 million has been raised since the enactment of the charge.

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New Changes to UK Pension Rules

A recent report by the UK Financial Conduct Authority (FCA) found that 47% of advice on defined benefit  to defined contribution pension schemes was 'unsuitable’. Following this, the FCA has introduced new rules and guidelines for pension transfer specialists and consultants.

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Copy of UK Government Proposes E-Signatures to Increase Competitiveness Post Brexit

The Law Commission has recently proposed a programme of reforms that would allow Britain to remain competitive globally in the increasingly likely event that Britain will leave the European Union. One area of focus has been the integration of electronic signatures in the signing of documents.

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Changes In Pension Transfer Advice Prompts Those Wanting Transfers To Act Now.

With the recent confirmation by a number of UK advisory firms that they will not be giving advice to clients looking to transfer out if their pension schemes, it is recommended that those considering transferring out of their UK defined pension scheme do so sooner rather than later.

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Ongoing Brexit Uncertainty Ignites Fears of a Hard Exit

With Brexit negotiations having resumed in the past few weeks, fears of a ‘hard exit’ have ignited.  A ‘hard’ Brexit is the option favoured by those strongly supporting Brexit. Likely resulting in the UK giving up full access to the single market and significantly tightening immigration.

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