Secure Their Future.
Strengthen Your Business.
A robust Pension or Provident Fund is the cornerstone of a competitive employee value proposition. We help businesses design, implement, and manage high-performing retirement funds that attract top talent and ensure financial wellness.
The Business Case
Why Establish an Employer Fund?
Beyond the moral imperative of helping your staff retire with dignity, offering a structured retirement fund provides significant strategic advantages for your company.
Talent Attraction & Retention
Top professionals expect comprehensive retirement benefits. A well-structured fund reduces staff turnover and positions you as an employer of choice.
Tax Efficiency
Employer contributions are tax-deductible as a business expense. For employees, contributions are deducted before tax, lowering their overall tax burden.
Financial Wellness
Employees with secure financial futures are less stressed, more productive, and less likely to rely on the company for loans or financial bailouts.
Structuring Your Fund
Understanding Your Options
The retirement landscape has evolved. We help you navigate the complexities of modern fund structures to find the perfect fit for your workforce.
Umbrella Funds (Recommended)
Instead of creating a standalone fund, multiple employers participate in a single, large 'Umbrella' fund. This drastically reduces administration costs, compliance burdens, and audit fees while offering institutional pricing.
Pension vs. Provident Funds
While recent legislation has harmonized these two structures (both now require 2/3rds to be annuitized at retirement), we will advise on the best historical and practical fit for your specific employee demographic.
Integrated Group Risk Cover
We seamlessly integrate Life Cover, Disability, and Severe Illness benefits into the retirement fund structure, providing a comprehensive safety net for your employees and their families.
The EBC Corporate Advantage
We act as your independent partner, ensuring your fund remains compliant, cost-effective, and highly valued by your staff.
Independent Market Reviews
We are not tied to any single provider (like Sanlam, Old Mutual, or Allan Gray). We regularly tender your fund to the market to ensure you are getting the lowest administration fees and best investment returns.
Member Education
A benefit is only valuable if employees understand it. We conduct regular on-site and virtual workshops to educate your staff on their investments, tax benefits, and retirement planning.
Management Committee Support
We sit on your internal Management Committee, providing expert guidance on legislative changes, investment performance, and fund governance to protect the employer from liability.
Ready to build a better employee value proposition?
Whether you are setting up a new fund or want an independent review of your existing Umbrella Fund's fees and performance, our corporate consultants are ready to assist.
Expert, independent corporate retirement consulting.