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realistic.  Even  the  great,  Asset  based  administration  fee,  where  your  real  administration  cost  is
               increasing as your funds grow, is a cost driver.

               Investment management may be the key driver of your success, but it needs to focus on your wealth
               creation and not that of the provider. Investments need to be bench marked against the various
               criteria that apply to you with applicable costs well understood. Question performance figures, are
               they actual number you received? Or a number that looks good but still includes costs?

               Common sense suggests that tackling the matter in bite size chunks, with an EB specialist for each
               aspect of your fund, will give factual results and tangible benefits.

               Welcome to Member-centric EB: Our clients, Employers and Employees will tell you a different story,
               simply  because  they  understand  what they  have  and  why  they  have  it,  every  aspect  is  cost,  and
               performance monitored. Our Support Services ensures that all record keeping is fully compliant and
               the reporting is value added in your decision making. Our Financial Wellness model insures that every
               employee has a sound understanding of their spend and benefit and have a clear understanding in
               today’s salary terms of what to expect at retirement. Never forget, the Company does not retire – you
               do.
               Prism Employee Benefits has a proud track record of over 20 years. In all cases, when we have taken
               over existing Funds, we have saved Employers money and improved benefits or investment – in every
               single case!

               You have nothing to lose by letting us investigate your fund and showing you where you could be at
               Retirement. This is one area where common sense tells you that nothing ventured, nothing gained.

               Prism Employee Benefits has a team of dedicated consultants that provide a client focused and cost-
               effective Employee Benefits service to employers, employees and their families. Our aim is to create
               simple, practical solutions that work, and not to sell “fashionable” products. Our core focus is to
               deliver the Benefit in Employee Benefits.

               We look forward to an opportunity to engage and show you that:
               “we do make the difference”.

               By Gary Van Den Bergh, Director at Prism Employee Benefits

               Contact us on – info@prismeb.co.za for more information
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