The Ranfurly Superannuation Scheme offers you control, proximity and tax advantages for your UK Pension with no hidden fees.
The scheme is a Qualifying Recognised Overseas Pension Scheme, so it can accept tax-relieved UK pension transfers. We can even transfer your UK pension from other QROPS schemes.
Here are the advantages:
We offer guidance through the pension transfer process.
Being closer to your money enables you to keep track of your funds, and provides easier access to your savings.
Take control of your investments. Ranfurly offer three different investment options to suit your needs.
Zero scheme entry, performance, or transfer fees.
Investment options in NZD and GBP.
Depending on your residency status, because the Ranfurly Superannuation Scheme is a QROPS, UK pension transfer monies may be able to be received tax-free into New Zealand.
Because the Ranfurly Superannuation Scheme is a New Zealand registered superannuation scheme, benefits paid from the scheme are tax free.
Scheme is registered as a Portfolio Investment Entity (PIE), offering tax efficiencies to investors.
Your savings are invested with a specialist international investment manager.
Transferring of a pension can be a complex process. Our process is clear and transparent and we are available to help you at every step. Depending on your specific needs the process might change slightly.
If you are seeking to transfer a defined benefit scheme UK pension greater than GBP 30,000, you are required to receive advice from a UK authorised financial adviser. We can assist with an introduction if you wish.
To transfer a pension to the scheme or from another QROPS to the scheme you need to complete an application form for the Ranfurly Superannuation Scheme and a transfer/withdrawal form for your existing scheme.
UK pension transfers are complex, and we recommend you use a transfer agent to assist with the process. Our partner, QROPS NZ, provides a transfer service to the scheme.
Yes, the scheme is a Qualifying Recognised Overseas Pension Scheme, so it can accept tax relieved UK pension transfers.
Yes, the Ranfurly Superannuation Scheme can accept transfer of UK pension and pension from other countries as long as there are no restrictions in that country. Please contact us if you want to find out if a transfer is possible.
For a scheme that ‘qualifies’ as an NZ QROPS, HMRC agrees that it is similar enough to UK pension schemes that UK pension holders can transfer their pension pot to the offshore scheme. This is in order that members can live abroad as an ex-pat without their pension being subject to UK rules.
A QROPS is a Qualifying Recognised Overseas Pension Scheme. For an overseas scheme to be deemed as such, it must satisfy criteria stipulated by HM Revenue & Customs (HMRC). The scheme ‘qualifies’ in that; HMRC agrees that it is similar enough to UK pension schemes that UK pension holders can transfer their pension pot to the offshore scheme. This is in order that members can live abroad as an ex-pat without their pension being subject to UK rules.
Take a look at our FAQs page to read answers from our most frequently asked questions. Or get in touch via our contact us page.
Our aim is to help you reach your retirement goals.
We understand that everybody has different goals, and offer three specialised strategies to suit your personal investment needs. Each fund has a tailored investment composition depending on your individual risk level, investment timeframe and retirement goals.
Balanced Fund
Offered in NZD & GBP
The objective is to balance capital preservation and capital growth, with a level of volatility that generates a positive return with a moderate level of risk associated with investing in a mix of equity, fixed interest and cash.
Fund Composition:
• International equities 52%
• International fixed interest 41%
• Cash and cash equivalents 4%
• Australian equities 2%
• Listed property 1%
Risk Category** 4
Suggested investment timeframe
5+ years
Conservative Fund
Offered in GBP
The objective is to preserve capital, with a reduced level of volatility generating positive returns with typically a lower level of risk by predominantly investing in fixed interest and cash.
Fund Composition:
• International fixed interest 64%
• International equities 30%
• Cash and cash equivalents 3%
• Listed property 2%
• Australian equities 1%
Risk Category** 4
Suggested investment timeframe
5+ years
Growth Fund
Offered in NZD & GBP
The objective is to provide capital growth, that generates higher returns with a level of volatility associated with investing predominantly in equity assets.
Fund Composition:
• International equities 73%
• International fixed interest 19%
• Cash and cash equivalents 6%
• Australian equities 2%
Risk Category** 4
Suggested investment timeframe
5+ years
To figure out which fund is best for you contact our specialist for a free no obligations assessment.
The fees and charges for investing the scheme are simple and transparent and fully disclosed in the Product Disclosure Statement – please take the time to read this.
** These funds came into existence on 30 November 2016, 26 May 2017 and (add new date). To calculate the risk indicator, actual return data and market index return data has been used. Using market index return data may make the risk indicator a less reliable indicator of how much fund values are likely to go up and down in future. See the latest Product Disclosure Statement for more information of the Risk Indicators.
What is the state of the Sterling Cash Fund and the Australian Dollar Cash Fund?
The two funds have been closed and wound up as they were not popular with members and were not invested. (add date of closure and windup.)
FAQs and Fund Documents
We’d love to hear from you. Let’s get in touch.
Transferring of a UK pension is a complex issue and it is important to seek professional financial advice. Our process is clear and transparent and we are available to help you at every step. Depending on your specific needs the process might change slightly.
Customer Service
+64 3 928 1440
ranfurly@mbfunds.nz
Ranfurly Strategic
Level 1, North Lobby
Awly Building
293 Durham Street
Christchurch 8013
New Zealand
