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  1. 1. AOS GOLDEN YEARS UMBRELLA FUND Helping you retire with certainty Presentation to by Another Outstanding Solution! Date
  2. 2. GOLDEN YEARS How can AOS help your employees be more committed and loyal to your company? How do you and your employees stop making retirement contributions to a bottomless pit with uncertain outcomes? How can AOS help you? A presentation by Bongiwe Mbatha Business Development Manager Another Outstanding Solution TM
  3. 3. Who is Neerejh Ramlakhan and AOS? • AOS commenced business 7 years ago in April 2008 • AOS is a niche management and actuarial consultancy, focused on advising large retirement funds, on how best to help members achieve their savings and insurance goals • We advise retirement fund arrangements representing over 10 000 employers, 500 000 employees and over R120 billion of savings. • AOS was founded by Neerejh Ramlakhan, an employee benefits actuary, with over 25 years’ experience spanning the insurance, health, investment, retirement and consulting industries. • We are a small team of eight people who work with trust, care and humility to serve you. • Our vision… To help people retire with certainty… 3
  4. 4. FAIS DISCLOSURES Information on the Financial Service Provider Name Actuarial Outsourcing Solutions CC Telephone number 011 100 5098 Physical Address 86 Ferero Avenue, 3 Coram Office Park, Randpark Ridge, 2169 Postal Address P.O. Box 967, Cresta, 2118 FAIS License Number 43479 FAIS Category Category 1, Advisory and Intermediary Products* Long-Term Insurance:  Category A, B1, C , B2, Retail Pension Fund Benefits, Pension Fund Benefits. Securities and Instruments:  Shares, Money-market instruments, Debentures and securitized debt, Warrants, certificates and other instruments, Bonds, Derivative instruments, Deposits.  Participatory interest in one or more collective investment scheme. Key individual Neerejh Rajcoomar Ramlakhan B.Bus.Sc., FASSA Telephone number 083 256 3175 E-mail address neerejh@aossa.co.za Compliance Officer Warren Neale Telephone number 082 923 6260 E-mail address warrenn@askaricompliance.com Professional Indemnity Actuarial Outsourcing Solutions CC has Professional Indemnity cover with AIG South Africa Limited. Remuneration Actuarial Outsourcing Solutions CC did not receive more than the stated limit of its total remuneration including commissions from a specific product supplier in the last year.
  5. 5. Only 6% of South Africans can retire with adequate retirement income. To help people retire with certainty…Why? 5 Over 40% of working South Africans expect their children to support them when they retire. Current retirees have a replacement ratio of less than 30%
  6. 6. Retirement with Uncertainty – Why? Tangibility 6 • The “instant gratification” society of consumerism helps people spend not save. • Lack of trust in the financial services industry. • People don’t know what they will get out at retirement, so why save? Integration • There is a lack of connection between an employees retirement fund and their personal financial planning. • Trustees focus on managing a retirement fund using disintegrated delivery models. • Financial advisors are motivated by selling products with high fees. Government • No law focuses on the outcome for the individual at retirement. • No money available at National Government to build a national social security net. • Incremental reform in progress around passive investment, preservation andannuitisation. Accountability • Zero accountability from trustees, employers, asset managers, expert advisors and government to the individual employee • Defined contribution retirement funds place all the risk on the individual employee. • Individual employees vary in needs, education and financial sophistication to make sound long term decisions.
  7. 7. Our value proposition Tangibility 7 • We actuarially calculate a target retirement outcome for each individual employee at a selected retirement date or until the end of their lifetimes. Guarantees for performance • If we don’t get each individual employee to their target, we will give that individual employee an agreed refund of all the fees we charged them while in our care. Accountability • We provide members with a regular Member Accountability Statement so they know how they are tracking to their retirement target. Integration • We then create an integrated advice, investment, administration, audit and monitoring program to get each individual employee to their target. We are accountable to get every employee over the retirement line…Retire With Certainty!
  8. 8. Experience that proves our competence. 8 The following information is based on Neerejh Ramalkhan’s, current CEO of AOS: 1) B.Bus.Sc (UCT) (1991), FFA (UK) (2003), FASSA (2004) 2) 1991 Southern Life (Product Development) 3) 1997 Ginsburg Malan and Carsons (Healthcare Consultant) 4) 1999 m Cubed Capital Life (General Manager) 5) 2001 Bluepeter Management Consulting (Strategy Consultant) 6) 2004 Alexander Forbes (Retirement Funds Consultant) 7) 2006 Alexander Forbes Life (MD Elect) 8) 2007 Discovery Life Group Risk (General Manager) 9) 2008 AOS (CEO)
  9. 9. 7 key benefits to you and your employees 1.Employees know what they will get out at retirement. 2.This will inspire loyalty and longevity of employment. 3.As a result, staff turnover will reduce, lowering recruitment and retraining costs. 4.With the regular actuarial audits and monitoring of each employees progress to their target, your employee benefit program can become an active part of your employees total remuneration program. 5.Our selection of the best service provider for your employee benefits program is driven by securing the best value for money outcome for your employees, using our meticulous research. 6.We are prepared to guarantee our work by providing different levels of fee refunds to align our solution to the long term needs of your employees. 7.We can offer three different advice solutions to meet the long term needs of your employees 9
  10. 10. Three packages tailored to your needs 10 We do all the things brokers are supposed to do with more than 50 services on offer… Basic brokerage service plus value added services: We review your current retirement and insurance programs. We advise you on how to improve the value for money using our meticulous research of the provider market. We advise you on possible retirement outcomes based on your choice of product provider. We provide each member with a Member Accountability Statement to keep them on track We provide you with an integrated solution to optimise delivery of the target to each of your employees. Intermediate program: All the Basic brokerage services We advise you on how to integrate your retirement and insurance program to cater more closely to the savings and investment needs of your employees We advise you on how to introduce Timestage to enhance your employees retirement provision We advise you on how to ensure seamless preservation, annuitization and investment solutions for your employees Advanced program: We advise your employees on how to plan holistically and achieve Personal Financial Freedom. We open your employees on innovative ways to generate passive income
  11. 11. Why are we the right solution provider for you and your employees? Here are 8reasons… • We have been operating for over seven years with an enviable track record of success for our clients. • We collectively advise retirement fund arrangements representing over 10 000 employers, 500 000 employees and over R120 billion of savings. • We are a small team of eight people who work with trust, care and humility to serve you. • We have integrated in-house actuarial, investment and administration skills to deliver. • We have a strict accreditation system of third party providers, to support our delivery to each employee. • We embrace the principles of “Treating Customers Fairly” in everything we do. • We aim to make every solution for every client unique, innovative and outstanding! • We are prepared to enter into a client specific performance guarantee. If we don’t perform, we will rebate a agreed fee for you. We guarantee to treat you fairly, and if we don’t, we will work with you to correct any problem. 11
  12. 12. What is the way forward? 12 Are we the right solution provider for you? Review your current arrangements Diagnostic report Presentation and agreement on the way forward Implementation of the AOS solution
  13. 13. Questions? Thank you for your time! 3 Coram Park, 86 Ferero Avenue Randpark Ridge, Johannesburg 2169 Tel +27 11 792 2921 Fax 086 500 6347 Email bongiwe@aossa.co.za

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