Bourse Pension Trustees

An independent review by our team of experts.

Review summary

Bourse Pension Trustees

The Bourse group of companies has been providing a range of trust, pension and company services from their offices in St Peter Port, Guernsey since 1999. 

Bourse Pension Trustees Limited provides a range of individual and company pension products and services.

Bourse offers a number of proprietary pension schemes established under the laws of Guernsey, Malta and Gibraltar.

They also provide services in respect of other, non-proprietary schemes, where trustee and/or administration services are required.

Overview

Bourse Pension Trustees Limited provides a wide range of individual and company pension products and services.

They offer comprehensive, solution-orientated pension administration services to meet the growing demand for international schemes.

Bourse has a team of specialists who provide clients with conservative and accurate implementation.

Bourse offers a number of proprietary pension schemes established under the laws of Guernsey, Malta and Gibraltar. They also provide services in respect of other, non-proprietary, schemes where trustee and/or administration services are required.

For non UK residents and individuals who are about to leave the UK there's the Bourse Qualifying Recognised Overseas Pension Scheme (QROPS) available via two jurisdictions.

The Bourse Retirement Scheme (Malta) is a QROPS with Bourse Pension Administrators (Malta) Limited who are registered as an Administrator for Retirement Schemes with the Malta Financial Services Authority.

The scheme is registered in the UK with HM Revenue and Customs with number 504314. There exists no statutory provision for compensation where the Scheme is unable to satisfy the liabilities attributable to it.

The License of the Scheme is not an endorsement by the MFSA of the Scheme’s financial performance.

Bourse Retirement Scheme (Gibraltar) is a QROPS and is also eligible to receive transfers of UK pension rights without attracting a tax charge.

Bourse Retirement Scheme (Gibraltar) is registered with HMRC reference QROPS 900051.

Bourse also offer Qualifying Non UK Pension Schemes (QNUPS) and Recognised Overseas Pension Scheme (ROPS).

The Bourse Qualifying Recognised Overseas Pension Scheme (QROPS) is available via two jurisdictions.

The Bourse Retirement Scheme (Malta) is a QROPS with Bourse Pension Administrators (Malta) Limited, who are registered as an Administrator for Retirement Schemes with the Malta Financial Services Authority.

The scheme is registered in the UK with HM Revenue and Customs.

The Bourse Retirement Scheme (Gibraltar) is a QROPS and is also eligible to receive transfers of UK pension rights without attracting a tax charge.

Bourse Retirement Scheme (Gibraltar) is also registered with HMRC.

Bourse also offer Qualifying Non UK Pension Schemes (QNUPS) and Recognised Overseas Pension Scheme (ROPS).

Bourse Life and Pensions Limited is part of the Bourse Group, and is licensed by the Guernsey Financial Services Commission to operate as a long term insurance company, and to write bonds and unit-linked annuities. 

Guernsey is a well-regulated British Crown Dependency, and remains a jurisdiction of choice for companies and individuals seeking trust, corporate and pension products and services.

Guernsey has long been considered a centre of excellence for the provision of offshore financial services.

The island is renowned for its robust yet pragmatic regulatory environment, and is on the G20 ‘white list’ as having substantially implemented internationally agreed tax standards. 

Guernsey is not part of the United Kingdom however, and has autonomy of internal government, including taxation.

The legal system is derived in part from the customary laws of Normandy, but has been strongly influenced by English law.

In addition, Guernsey is not part of the European Union and therefore EU directives on fiscal harmonisation, financial services and company law do not have effect in Guernsey.

In this respect, Guernsey enjoys significant advantages over other jurisdictions.

The pros

  • Based in Guernsey
  • Offers QROPS in Malta and Gibraltar
  • Longevity in this business area

The cons

  • Very limited information available online
  • This lack of overt transparency concerns us
FAQs
Is Guernsey a good jurisdiction?

Guernsey is a well regulated British Crown Dependency and remains a jurisdiction of choice for companies and individuals seeking trust, corporate and pension products and services.

Guernsey has long been considered a centre of excellence for the provision of offshore financial services.

The island is renowned for its robust yet pragmatic regulatory environment and is on the G20 ‘white list’ as having substantially implemented internationally agreed tax standards.

Guernsey is not part of the United Kingdom and has autonomy of internal government, including taxation.

The legal system is derived in part from the customary laws of Normandy but has been strongly influenced by English law.

In addition, Guernsey is not part of the European Union and therefore EU directives on fiscal harmonisation, financial services and company law do not have effect in Guernsey.

In this respect, Guernsey enjoys significant advantages over other jurisdictions.

All aspects of the island’s financial services industry are carefully regulated by the Guernsey Financial Services Commission (“GFSC”).

Financial services businesses such as Bourse are licensed by the GFSC according to their activities.

Customer reviews
Have you used Bourse's pension trustee services or QROPS solutions?

Are you a current or former client of Bourse Pension Trustees Limited?

If so, we would welcome your review of their products, services, solutions and customer service.

Contact us today with your own review - be the first to comment!

Expert verdict
Expert Assessment of Bourse Pension Trustees

On the surface the Bourse pension offering looks robust, however, information seems limited and opaque.

We have requested further information from the firm, and hope to be able to make further judgement once we have received this.

From what we have seen however, we do believe that there are better providers and solutions in the market.

Read the UK regulators advice on pension transfers hereNEVER deal with an IFA that isn’t authorised as a UK pension transfer specialist.

If you already hold a pension plan with Bourse Pension Trustees, we recommend you get a free, no obligation X-Ray Review™ of the underlying investments to give you the information you need to make a decision on the best way forward.

“Thank you AES International for helping me and my family with your low cost no-nonsense approach. It is refreshing!”

Kristian Petersson

“With this sort of service you also expect to be paying very high fees, but it’s just not the case. I would definitely recommend AES.”

Jake van den Dries

“In the short time that I’ve been using AES I’ve made nearly ten thousand pounds and couldn’t be happier!”

Jackie Pym

    Request your X-Ray Review™ today!

    Because you deserve better results - nothing less.