About International Retirement Plans (IRPs)

Sovereign has developed the Conservo International Retirement Plan (IRP) as a flexible and tax efficient savings vehicle for internationally mobile individuals wishing to optimise planning possibilities whilst working overseas.

Conservo is a Guernsey-based multi-member Retirement Annuity Trust Scheme (RATS), which qualifies for an exemption from Guernsey Income Tax under Section 40(ee) of the Income Tax (Guernsey) Law 1975, as amended. Conservo is open solely to non-Guernsey resident members is designed with three entry levels tiered to suit a variety of retirement planning budgets.

The trustee of the plan is Sovereign Trust (Guernsey) Limited, a trust company licensed and regulated by the Guernsey Financial Services Commission.

The Conservo IRP – Key Information

The Conservo IRP – Key Information

Investment OptionsVery flexible and accepts most assets
Benefit commencement 50 years of age
Maximum Lump Sum Up to 100%
Guernsey tax rate applicable to pension Exempt
Death Benefits Assets may be passed to any nominated beneficiary or into trust

The Conservo IRP – Frequently Asked Questions

The Joint International Retirement Plan

Sovereign can also establish a bespoke multi-member retirement annuity trust scheme, the Joint International Retirement Plan, for individuals who are resident outside of the Bailiwick of Guernsey. This would also qualify for an exemption from Guernsey income tax, should this be preferred.

Get in Touch

Please contact us if you have any questions or queries and your local representative will be in touch with you as soon as possible.