This product is designed to enable the employee lead a normal life and at least maintain the standard of living that one had been used to after retirement. This scheme is designed to assist an employee to lead a normal life and maintain it.

Both the employee and employer will make a monthly contribution which is professionally invested and then through the power of time and compounding, it builds up into a big fund from which, the employee will be paid an attractive retirement benefit on attainment of retirement age.

This is a fund that targets small to medium-size pension schemes and Individual Pension Plans; it is designed to consistently perform in the top quartile of retirement benefits funds with an option of having up to 15% of the portfolio invested off -shore. The fund invests across equities, bonds and cash. It also has a bias towards equities offering long term value rather than those with more cyclical returns.

An advantage of this fund is that clients may make withdrawals at any time. However, a one calendar months’ written notice is required for clients who wish to make a full withdrawal.

The investments are in accordance with the investment limits prescribed the Retirement Benefits Authority (RBA) investment guidelines.