Posts in Overseas Pension Transfer
Baillie Gifford Takes Out Top Prize at FTA Investment 100 Club Award
Baillie Gifford Takes Out Top Prize at FTA Investment 100 Club Award

For the third consecutive year, Ranfurly Superannuation’s Fund Manager, Baillie Gifford has won the Financial Times Adviser top award. The Edinburgh-based investment management firm bet out nearly 100 other nominees to take out first place in the coveted Large Investment Group category.

 The criteria are based on short-term and long-term outperformance and firms are to demonstrate real potential for the next five years. Judges noted that they felt that Baillie Gifford’s numbers were simply “too good to ignore”, after a year going from strength to strength.

Read More
Awards, Baillie Gifford, Fund Manager, New Zealand, Overseas Pension Transfer, UK Defined Benefit SchemeEmilie GallaugherRanfurly Strategic LimitedBaillie Gifford, awa, new, New Zealand, UK Pension Transfer to NZ, UK Pension Transfers, Pension Scheme, Ranfurly
UK Snap Election Could Drive Pension Uncertainty
UK Snap Election Could Drive Pension Uncertainty

Following numerous bids by the U.K. Prime Minister Boris Johnson to call a snap election, the deadlock has finally been broken. MP’s voted 438-20 in favour of the general election and the date has been set for 12 December. This near-unanimous support for the general election following three prior failed bids comes after the second Brexit deadline of 31 October passing with no deal yet in place between the European Union and the U.K.

Read More
Brexit, New Zealand, Overseas Pension Transfer, Pension Transfer Advice, QROPS NZ, UK Snap Election 2019Emilie GallaugherRanfurly Strategic Limited Brexit, Defined benefit pension scheme, Defined contribution, UK Snap Election 2019, Retirement, UK Pension Transfer to NZ, News
Baillie Gifford Attends Innovative Ethical Finance Summit
Baillie Gifford Attends Innovative Ethical Finance Summit

The Ethical Finance 2019 Summit is being held in Edinburgh and is being attended by over 200 leading finance experts, institutions,  government officials and business representatives from around the world. Amongst those attending include Scotland's First Minister Nicola Sturgeon and the Archbishop of Canterbury and Baillie Gifford, who is the underlying fund manager of the Ranfurly Superannuation Scheme.

Read More
Baillie Gifford, Brexit, New Zealand, Overseas Pension Transfer, QROPS NZ, Fund Manager, Pension Transfer AdviceEmilie GallaugherRanfurly Strategic LimitedUK Pension Transfers, UK Pension Transfer to NZ, QROPS NZ, Baillie Gifford, New Zealand, investment manager, Fund Manager, Overseas Pension Transfer, Brexit, Green Investing
Baillie Gifford Nominated for Investment Company of the Year Award
Baillie Gifford Nominated for Investment Company of the Year Award

Earlier this week, financial news and industry magazine Investment Week announced their finalists for the Investment Company of the Year Award 2019. Baillie Gifford is nominated in three categories including Best New Issue, Single Country and Group of the Year.

Read More
Awards, Baillie Gifford, New Zealand, Overseas Pension Transfer, Pension Transfer AdviceEmilie GallaugherBaillie Gifford, award, asset managers, Overseas Pension Transfer, Pension Scheme, Ranfurly
How a No-Deal Brexit Could Affect Your Pension
How a No-Deal Brexit Could Affect Your Pension

With on-going uncertainty surrounding Brexit, the talks of dramatic policy changes under the new Government, being aware of the potential impacts Brexit could have on your UK-based pension may help you get and remain ahead with your pension. Prime Minister Boris Johnson has signalled that Britain will leave the EU by the October 31 extended deadline with or without a deal if no agreement has been reached.

Read More
Brexit, Overseas Pension Transfer, Pension Transfer Advice, Superannuation, UK 2022 Election, UK Defined Benefit SchemeEmilie GallaugherRanfurly Strategic LimitedSuperannuation, financial news, Brexit, Retirement, Pension Scheme, Overseas Pension Transfer, Defined benefit pension scheme, Defined contribution, QROPS NZ, UK Pension Transfer to NZ
A Rise in the Number of QROPS Pension Transfers in 2018-19
A Rise in the Number of QROPS Pension Transfers in 2018-19

Her Majesty’s Revenue and Customs (HMRC) has recorded an increase in the number of individuals that have transferred their pensions to a Recognised Overseas Pension Scheme (QROPS) in the 2018-19 financial year. The released data shows that there has been a 6% increase in the volume of transfers out of registered UK pension schemes, a total value of £640 million.

Read More
Overseas Pension Transfer, UK Defined Benefit Scheme, Pension Transfer AdviceEmilie GallaugherRanfurly Strategic Limited Defined contribution, Defined benefit pension scheme, Pension Scheme, Overseas Pension Transfer, Bonds, Ranfurly, QROPS NZ, Superannuation, UK Pension Transfer to NZ
Former Execs at US Investment Advisory Firm Accused of Conflict of Interest in Recommending Malta-based Overseas Pension Schemes
Former Execs at US Investment Advisory Firm Accused of Conflict of Interest in Recommending Malta-based Overseas Pension Schemes

Two former employees of a New York-based investment advisory firm DeVere USA Inc, are accused by the US Securities and Exchange Commission(SEC), of providing pension transfer advice to hundreds of clients that may go against their best interest. In a conflict of interest which would see the employees receiving higher compensation from the pension transfer.

Read More
New Zealand, Overseas Pension Transfer, Pension Transfer Advice, MaltaEmilie GallaugherRanfurly Strategic LimitedMalta, News, financial news, Overseas Pension Transfer, Pension Scheme, Transfer Advice, QROPS NZ, UK Pension Transfer to NZ
Australian and New Zealand Residents with Malta-based Overseas Pensions, find out if you are you prepared for the coming changes to Maltese pension laws.
Australian and New Zealand Residents with Malta-based Overseas Pensions, find out if you are you prepared for the coming changes to Maltese pension laws.

After receiving the go-ahead, the Malta Financial Services Authority (MFSA) is implementing amendments that change the way QROPS providers handle transfers and deal with financial advisers. The amendments bring in stringent new rules both for advisers and asset/investment restrictions. Following news of these regulatory changes, Australian and New Zealand pensioners with their pensions in Malta-based overseas schemes are being urged to check whether their pension pots are at risk and whether their financial advisers can still act and work on their behalf.

Read More
New Zealand, Overseas Pension Transfer, Pension Transfer AdviceEmilie GallaugherRanfurly Strategic Limited Malta, Overseas Pension Transfer, Pension Scheme, New Zealand, Australia, Retirement, Financial Times, Changes, QROPS NZ, UK Pension Transfer to NZ
Have an Malta-based Overseas Pension? Changes Being Made to Maltese Pension Regulations and What You Need to Know.
Have an Malta-based Overseas Pension? Changes Being Made to Maltese Pension Regulations and What You Need to Know.

The Malta Financial Services Authority (MFSA) published a newsletter in January confirming amendments to the country’s Retirement Pensions Act. The amendments bring in stringent new rules both for advisers and asset/investment restrictions. Following news of these regulatory changes, pensioners with their pensions in Malta-based overseas schemes are being urged to check whether their pension pots are at risk.

Read More
Overseas Pension Transfer, Pension Transfer Advice, Superannuation, Overseas transfer chargeEmilie GallaugherRanfurly Strategic Limited QROPS NZ, Overseas Pension Transfer, Pension Scheme, UK pension transfer tax, Malta, New Zealand, Ranfurly, asset managers, investment manager, UK Pension Transfer to NZ
The Investment Philosophy of the Investment Manager behind Ranfurly Superannuation’s Underlying Fund
The Investment Philosophy of the Investment Manager behind Ranfurly Superannuation’s Underlying Fund

 Iain McCombie is the investment manager of the Baillie Gifford Managed Fund that Ranfurly invests in. McCombie is an AA-rated manager, meaning that McCombie has beaten his bench-mark over a three-year period. This coveted rating is assigned to fewer than 25% of fund managers and provides a clear sign of their performance.

Read More
Baillie Gifford, New Zealand, Overseas Pension Transfer, Pension Transfer Advice, SuperannuationEmilie GallaugherRanfurly Superannuation LimitedBaillie Gifford, QROPS NZ, equity manager, Investment, investment manager, Overseas Pension Transfer, Retirement, Ranfurly, Pension Scheme, Funds, Superannuation, Scheme Manager, UK Pension Transfer to NZ
Continued uncertainty surrounding Brexit and the implications of a potential change in Government
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.

Read More
Brexit, New Zealand, UK 2022 Election, Superannuation, Overseas Pension Transfer, Pension Transfer AdviceEmilie GallaugherRanfurly Strategic LimitedBrexit, UK 2022 Election, financial news, Pension Scheme, Defined benefit pension scheme, QROPS NZ, UK Pension Transfer to NZ
Are You Brexit Ready?
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.

Read More
Brexit, Overseas Pension Transfer, Pension Transfer Advice, UK Defined Benefit SchemeEmilie GallaugherRanfurly Strategic LimitedBrexit, Defined benefit pension scheme, Defined contribution, UK, Pension Scheme, Superannuation, Changes, UK pension transfer tax, New Zealand, QROPS NZ
‘Suitable’ pension transfer advice may be becoming harder to come by
‘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.

Read More
FCA, Financial Times, Overseas Pension Transfer, Superannuation, Pension Transfer AdviceEmilie GallaugherRanfurly Strategic LimitedOverseas Pension Transfer, Transfer Advice, Defined benefit pension scheme, FCA, financial news, UK Pension Transfer to NZComment
Ranfurly Superannuation Scheme Fund Manager Wins People’s Choice Award.
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.

Read More
Awards, Baillie Gifford, Overseas Pension Transfer, Superannuation, Portfolio AdviserEmilie GallaugherRanfurly Strategic Limited Baillie Gifford, award, Scheme Manager, Ranfurly, Su, Overseas Pension Transfer, UK Pension Transfer to NZ Comment
Financial News Announces Baillie Gifford as Equity Manager of the Year.
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.

Read More
Awards, Brexit, Superannuation, Overseas Pension TransferEmilie Gallaugheraward, Ranfurly, Baillie Gifford, financial news, equity manager, Overseas Pension Transfer, QROPS NZComment
Baillie Gifford Wins Top Prize in Prestigious Financial Times Advisor Award
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.

Read More
Superannuation, Overseas Pension Transfer, Awards, Baillie GiffordEmilie GallaugherRanfurly Strategic Baillie Gifford, award, Financial Times, Financial Times Advisor, Ranfurly, QComment
25% Levy for Overseas Pension Transfers a Failure
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.

Read More
FCA, Overseas Pension Transfer, Superannuation, UK Defined Benefit SchemeEmilie GallaugherRanfurly Strategic Retirement, Defined benefit pension scheme, Superannuation, QROPS NZ, Overseas Pension Transfer, UK pension transfer taxComment
New Changes to UK Pension Rules
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.

Read More
FCA, UK Defined Benefit Scheme, Superannuation, Brexit, Overseas Pension TransferEmilie GallaugherFCA, Overseas Pension Transfer, Superannuation, Defined benefit pension scheme, Pension Scheme, Retirement, Brexit, QROPS NZ, RanfurlyComment
Copy of UK Government Proposes E-Signatures to Increase Competitiveness Post Brexit
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.

Read More
Brexit, UK Defined Benefit Scheme, Overseas Pension TransferEmilie GallaugherRanfurly Strategic Limited Brexit, E-signatures, UK, Defined benefit pension scheme, Overseas Pension TransferComment
Changes In Pension Transfer Advice Prompts Those Wanting Transfers To Act Now.
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.

Read More
Overseas Pension Transfer, Superannuation, UK Defined Benefit SchemeEmilie GallaugherRanfurly Strategic LimitedOverseas Pension Transfer, Retirement, Defined benefit pension scheme, Updates, UK, FCAComment