Posts in Superannuation
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.

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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.

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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.

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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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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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‘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 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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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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