Personal deposit rates comparative schedule
Schedule of monthly deposit rates in Ireland
Deloitte total reward and benefits
Holistic solutions for pensions and rewards
A multidisciplinary team at your service to help you on the strategy, design, implementation and management of your pension and benefits plan.
How we can help
Deloitte total reward and benefits is a multidisciplinary team of actuaries, pension and HR consultants, communication specialists, tax experts and accountants who bring commercial and holistic solutions to our clients’ pension and reward challenges. We will work with you on the strategy, design, implementation and management of your pension and benefits plan. We have the expertise to advise our clients in relation to funding, investment, effective communication processes and strategies to mitigate the associated risks and maximise potential tax savings.
Our services include:
- Defined Contribution (DC) scheme solutions
- Defined Benefit (DB) pension risk reduction
- Pension scheme windups
Defined Contribution (DC) scheme solutions
DTRB has extensive experience in helping employers design and implement 'next generation' Defined Contribution (DC) pension schemes and savings solutions.
Our services include:
- Pension scheme design, set up, management and client support
- Benchmarking pension schemes against the market
- Design and management of effective employee engagement and communication processes
- On-going monitoring and oversight of the effectiveness and service delivery of the existing provider(s)
Defined Benefit (DB) pension risk reduction
We have a market-leading, multi-disciplinary pensions advisory team that works with companies to consider and agree the objectives of an integrated pension strategy with a view to designing and implementing innovative pension solutions in the areas of funding, benefits and operational matters.
- Funding strategy – Deficit financing, risk reduction and valuation advisory
- Benefits strategy – Benefit design and tax efficiency
- Operational strategy – Efficient investing, governance and administration strategy and support
- Employer covenant assessment
Pension scheme windups
Our experienced consultants can work with companies to obtain an in-depth understanding of their objectives for wind up and help define their "End Game" target. We can guide them through various innovative and proven ideas to help them formulate a strategy that will lead them towards a significant reduction in their defined benefit pension risk at minimal capital, reputational and operational cost to their businesses.
Corporate transaction support
Understanding the pension implications of any proposed corporate transaction is essential to reduce the risk associated with your pension obligations post transaction and the overall risk posed to your business. Our dedicated actuaries and pension strategy consultants deliver advice and solutions within the tight timescales imposed by mergers and acquisitions. We investigate the nature of all pension schemes involved, whether in Ireland or overseas, and enhance understanding of the benefit-related costs of any mergers, acquisitions, flotation or disposals. Post transaction, we can advise the new company on its employee benefit arrangements, objectives and strategies and assist in the implementation of any new pension arrangements (or amalgamation of existing arrangements post deal).
Accounting for pensions
For many companies, the pensions accounting costs and liabilities are amongst the most significant and volatile items in their accounts. Recently implemented and upcoming changes to pensions accounting standards are only likely to increase their impact. Taking control of these items and, where necessary, robustly challenging the status quo may have significant benefits for your company and its stakeholders. We have extensive experience in the production and audit of pensions accounting figures and in helping clients manage and de-risk their accounting costs. Our experience covers international, Irish and US accounting standards and is backed up by Deloitte’s global accounting experts and infrastructure.
Group risk benefits
Deloitte can help you identify and implement the most appropriate risk package for your employees, ensuring that this is cost effective and designed to be consistently relevant to the needs of your business. This may include:
- Death in service
- Permanent health insurance
- Premium protection