AOS GOLDEN YEARS UMBRELLA FUND
Helping you retire with certainty
by Another Outstanding Solution!
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
How can AOS help you?
A presentation by Bongiwe Mbatha
Business Development Manager
Another Outstanding Solution TM
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
• 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
• 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…
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
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
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 firstname.lastname@example.org
Compliance Officer Warren Neale
Telephone number 082 923 6260
E-mail address email@example.com
Professional Indemnity Actuarial Outsourcing Solutions CC has Professional Indemnity cover with AIG South Africa Limited.
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.
Only 6% of
can retire with
To help people retire with certainty…Why?
Over 40% of
their children to
when they retire.
ratio of less than
Retirement with Uncertainty – Why?
• 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?
• There is a lack of connection between an employees retirement fund and their personal
• Trustees focus on managing a retirement fund using disintegrated delivery models.
• Financial advisors are motivated by selling products with high fees.
• 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.
• 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.
Our value proposition
• We actuarially calculate a target retirement outcome for each individual employee at a
selected retirement date or until the end of their lifetimes.
• 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.
• We provide members with a regular Member Accountability Statement so they know how
they are tracking to their retirement target.
• 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!
Experience that proves our competence.
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)
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
Three packages tailored to your needs
We do all the things brokers are supposed to do with more than 50 services on offer…
Basic brokerage service plus value
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
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.
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
annuitization and investment
solutions for your employees
We advise your employees on
how to plan holistically and
achieve Personal Financial
We open your employees on
innovative ways to generate
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.
What is the way forward?
Are we the right solution provider for you?
Review your current arrangements
Presentation and agreement on the
Implementation of the
Thank you for your time!
3 Coram Park, 86 Ferero Avenue
Randpark Ridge, Johannesburg 2169
Tel +27 11 792 2921 Fax 086 500 6347
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