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Getting Started

How it Works

ADVISORY SERVICES

Our approach to advisory services seeks to ensure, through collaboration with all the necessary stakeholders, employee benefits are designed and managed in the most appropriate way. We will ensure that such benefits are administered and managed cost-effectively in terms of good retirement fund practice and governance.

01

GENERAL RETIREMENT FUND CONSULTING

  • Benefit Design and implementation
  • Review of existing benefit structure
  • Advice and implementation of fund policies and procedures
  • Tendering specifications and assistance with the selection of service providers
  • Advice on the implications of mergers and acquisitions on benefit arrangements
  • Change from Defined Benefit to
  • Defined Contribution
  • Managing the change of service providers to the fund
  • Benchmarking of services on an industry basis
  • Monitoring of and feedback in respect of developments in the employee benefits environment
  • Guidance to stakeholders in respect of all aspects related to good governance
  • Distribution of death benefits (Sec 37C of the Pension Funds Act)
  • Trustee Election Process
  • Trustee Training
  • Rate and benefit reviews
  • Packaging products where required

How it Works

ACTUARIAL SERVICES

Our actuarial team provides the full spectrum of actuarial services for defined benefit and defined contribution funds. This includes the provision of statutorily required certificates as well as assisting Trustees with the determination and assessment of risk, costs and advice on the declaration of bonuses, where required.

02

STANDARD SERVICES FOR A DEFINED CONTRIBUTION FUND INCLUDE THE FOLLOWING:

  • Verifying the data for the assessment of financial soundness
  • Issuing the required triennial financial soundness certificates
  • Availability to answer any queries and discussing matters related to the bonus declaration

03

OTHER SPECIALIST ACTUARIAL CONSULTING SERVICES INCLUDE:

  • Development of AIDS risk strategies
  • Assessment of pensioner risks
  • Health care funding for retired staff
  • Self-insurance or partial self-insurance of risk benefits
  • Defined Benefit Actuarial Services
  • Valuations
  • Asset Liability Matching

04

RISK BENEFIT CONSULTING SERVICES

We provide innovative actuarial and consulting support to clients for them to manage their risk benefits optimally.

 

  • Development of a Risk Management Policy
  • Advice on the advantages and disadvantages of self-insurance and other alternative risk management strategies and practices
  • Benefit Design and implementation
  • Disability management services
  • Claims management services
  • Claims dispute management services
  • Independent risk re-broking services

How it Works

INVESTMENT CONSULTING SERVICES

To address the complex and changing investment environment, our investment consulting service provides comprehensive solutions to stakeholders, to assist them in addressing their financial and investment responsibilities.

 

01

ASSET AND LIABILITY MATCHING

We will conduct an asset and liability modelling exercise. This will be the basis of the process to determine an appropriate investment policy. This ensures that the investment strategy takes into account the funds current and future liability profile

02

INVESTMENT POLICY

We will review the current investment policy and assist Trustees to re-define manager mandates, performance benchmarks and monitoring criteria. We will ensure that the policy document clearly specifies the investment objectives of the fund including “how” and “against which benchmarks” performance will be measured.

03

DRAFT MANDATES

The policy document should also provide guidelines and parameters from which asset managers receive their mandates within which they are expected to perform.

04

INVESTMENT PROCESS

We will monitor the investment process of the selected asset manager(s) and ensure professional service delivery.

05

PERFORMANCE MONITORING

We continuously monitor the performance of fund investments and can provide reports regarding the different bases. Asset managers and insurers provide us with their investment returns for different investment periods to be analysed and provide feedback to Trustees. We will make use of various investment surveys and compare them. These comparisons serve as the basis for a bi-annual presentation to Trustees, enabling them to compare the performances of their own investments relative to the market.

06

ASSET MANAGER SELECTION

Where necessary, we will provide assistance regarding the possible selection, change of investment managers and the moving of funds between portfolios. The implications of these changes will be discussed in depth with Trustees to enable them to make an informed final decision, all with full independence.

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Enjoy comprehensive financial advice and simple solutions to help you create, grow and protect your wealth and assets.

AIB. Aspire To Inspire.

AIB is an independent consulting and actuarial practice that provides stakeholders with a support structure
to manage their employee benefits arrangements. AIB was born in January 1997, a few years after our country  achieved democracy.