CIRAS Pension

CIRAS a totally flexible QROPS registered, multi‑member Retirement Annuity Trust Scheme.

CIRAS was developed specifically for Bailiwick of Guernsey residents. CIRAS offers no less than six risk‑adjusted investment strategies which are constantly monitored and actively managed by professional investment managers. 

The advantages of joining a multi‑member RATS are numerous. Less complex than a private RAT scheme, the CIRAS multi‑member scheme dramatically reduces the costs of running a Trust, while retaining the services of a professional trustee and benefiting from pooled investment management.

With a minimum investment of just £100/month any Bailiwick person aged between 18 and 74 years can join CIRAS and may draw a pension between the 50th and 75th birthday, but there are no requirements to purchase an annuity.

CIRAS is approved by the States of Guernsey Income Tax Authority and governed under the Guernsey Law.

* subject to Income Tax limitations and restrictions

View CIRAS Performance Funds