Rossborough Personal Retirement Plan

A flexible and tax efficient way to accumulate wealth and make financial provision for retirement.

The Rossborough Personal Retirement Plan is designed to help you take control of your retirement planning and provide a capital sum and income when you stop working.

  • Specifically designed for Jersey residents
  • Low cost pension savings plan
  • Flexible contributions
  • Wide range of funds available for investment
  • Online access to information and retirement planning tools
  • Flexible options at retirement
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We're with you every step of the way

We believe everyone should have access to retirement planning advice, from setting up your pension through to taking benefits, we are with you every step of the way.
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Contribute when it suits you

Easily set up regular monthly or quarterly contributions directly from your bank account. Lump sum contributions can also be paid.
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Flexible contribution amounts

Things change in life. That's why you can reduce, increase, stop and re-start your contributions at any time.
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Clear and transparent charges

Simple low cost charges, administration fees are fixed regardless of the level of contribution being paid and annual charges are calculated as a percentage of the fund value.
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Take as much control as you want

Access a wide range of investment funds managed by leading fund managers. Choose your own funds for investment or leave it to our experienced team to help grow your pension.
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Online tools to track performance

Keep track of your fund performance online, we'll also send you a pension statement each year.

Ready to talk pensions? 

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Start a new pension

Take the first step to a secure financial future. Speak to our team today.

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What's the minimum contribution?

The minimum regular contribution is £150 per month, regular contributions can be paused at any time and there is no charge to change, stop or re-start contributions.

When can I access my pension?

Pension benefits can be accessed at any age between 50 - 75.

The minimum age benefits can be accessed may increase to age 55 if your fund includes any transfers from a UK approved pension, or includes benefits accrued in the UK.

What are the options when I retire?

You will be able to take 30% of your pension fund as tax-free lump sum. You will then choose one of the following options for the remaining funds:

  • Take cash
  • A guaranteed income for life
  • A flexible income
  • A pension drawdown contract

View our retirement section for more information.

Can I choose where I invest my pension fund?

Yes. If you wish to maintain full control of your pension, you can choose to self select from the wide range of funds available for investment within the plan.

If you do not want to self select, you can invest in a Pre-Set Investment Strategy or the Asset Allocation Strategies.

What are the fees?

Initial Set Up Charge

A ‘one off’ fee may be charged for advising on and setting up your Plan. We will inform you of any charge and the amount before setting up your plan.

Ongoing Administration Fees

The Administration Fee contributes towards the cost of maintaining your Plan, reconciling and uploading your contributions as well as investment and financial advice.

Total Annual Charges

The Total Annual Charges represents the cost of investing in the Plan and varies depending on the underlying investment fund selected. Please refer to the Member Guide & Key Features for further details.

Claiming Pension Benefits

At the time you elect to access your pension fund i.e. tax free lump sum and/or income in retirement an administration and advisory fee may apply, please refer to Rossborough Financial for further information.

Termination Fee

If you elect to transfer your benefits to another approved pension arrangement a termination fee may apply.

How do I start a pension?

Call us on 01534 502000 or use our contact form and we'll give you the advice you need to secure your financial future.

We give our clients clear, practical advice that helps them reach their financial goals. One day we all want to stop working, and we can help you prepare for that.

Advice you can trust


Clarity with integrity