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What is APT Master Trust
The APT Master Trust allows employers to operate their pension plans under the umbrella of a Master Trust.
Each employer has a ring-fenced section within the trust and gets to decide upon their own level of contributions and benefits. But one trustee board makes the key decisions around investment, governance, administration, and communications and undertakes the legal and compliance responsibilities of the trust.
The Master Trust offer employers the benefit of a “built in” governance function with generally low operating costs, greater simplicity and expediency than a single employer plan, which requires its own trust and trustees.
Why Master Trust
The case for having your workplace pension managed through a Master Trust has become more compelling:
Many employers are coming to the realisation that having their own employees act as a trustee to their pension plan is inefficient and taking valuable time away from their roles within the business. Similarly, the time commitment required to deal with a professional trustee in a single trust plan can be onerous.
The APT Master Trust provides a single professional trustee board equipped to undertake all of the regulatory and fiduciary responsibilities.
Many employers recognise the need to manage pension plan risks, but with increasing regulation and compliance standards, it is becoming more challenging.
The APT Master Trust takes on full legal and fiduciary responsibilities by removing responsibility for pension plan governance away from your own employees to the Master Trust trustees, which reduces risks considerably.
Trusteeship Leveraging from the collective – The APT Master Trust provides governance standards designed to meet the demands of the regulatory regime together with state of the art administration, investment and online facilities.
Value for money – The trustees can negotiate competitive investment charges based on the overall amount of assets under management in the trust. Therefore, plans of all sizes may benefit from pricing normally associated with larger funds.
Optimising member outcomes
The APT Master Trust offers investment strategies which are designed to optimise the outcome for members based on the manner in which each individual will draw down their pension pots.
Information at the click of a mouse
APT online provides employees with a secure personal portal which allows each member to follow the progress of their investments. The portal provides a range of useful tools which include:
- Pension calculators
- A daily benefit statement
- Performance measure tools
- A library of reference material
- Video tutorials
- A fund switch facility
Approved By
Approved by the Revenue Commissioners and licensed by the Pension Authority, the APT Master Trust meets the highest of governance standards. The APT Master Trust has been awarded the Pension Quality Standard by the Irish Association of Pension Funds
Client Testimonials
We appointed APT to manage our workplace pension in 2005. In our experience, APT have combined state of the art systems with a personal approach to deliver service to our 2,000 plan members. The service is exactly what you would expect from a dedicated service provider.
APT have managed our pension plans since 2004. The innovative approach adopted by APT has helped us to deliver a state of the art pension plan for our employees. The APT online portal is a very effective way for our employees to keep in touch with their pension investments.
As a UK company coming to Ireland, we were keen to choose the right pension provider. APT were recommended to us by a firm who use APT in Ireland. The APT Master Trust was an ideal solution for us and the the service is efficient, reliable with a personal touch.
We appointed APT in 2016 to amalgamate a number of legacy pension plans and design a new plan suitable for our business in Ireland. APT were excellent in handling the communications and consultation process and delivered on time as promised. APT online has proved very effective in delivering information to members in a simple,easy to understand way.
When I was retiring from my workplace pension, I sought advice from APT Wealth Management in relation to the various retirement options available. I met a dedicated advisor who took the time to come to my home, meet my spouse and listen to our story. He was then happy to give us advice, and keeps in touch on a regular basis.
Our Clients
We work with a range of multinational and indigenous companies, with whom we have developed deep relationships. A large number of our customers have been with us for a considerable period of time.
