Retirement and Savings Solutions for Your Employees Worldwide

An IRSP helps attract and retain talent, particularly globally mobile employees who value consistent benefits across locations. They are also commonly used by companies with employees in countries with limited retirement provision.

An IRSP offers administrative and cost efficiency by standardising retirement provision across countries with a single service provider. Employers benefit from flexible contribution and investment options, while employees can maintain their savings when relocating internationally. Multi-currency investment options help mitigate currency risk, ensuring more stable and predictable retirement outcomes.

IRSPs are ideal for globally mobile employees, expatriate populations, and locally contracted employees in countries with limited retirement provisions or economic and political instability. They are also beneficial for companies seeking to streamline retirement provision through a single retirement savings arrangement instead of managing multiple plans across different locations.

An IRSP is a single arrangement that can cover multiple countries, payrolls and currencies, making it suitable for both expatriate and locally contracted employees. It ensures consistent retirement provision across jurisdictions while reducing internal and third-party costs. The plan operates with a straightforward and fully transparent pricing model and allows multi-currency contributions, investments, and distributions.

Employees benefit from a cost-effective, long-term savings solution that can follow them if they move location. Multi-currency options help mitigate foreign exchange risk, and a variety of investment choices cater to diverse financial needs. Online tools offer full support, including financial education and retirement planning, helping employees feel more confident about their financial futures.

JTC provides both trustee and administration services. We can provide these services either on a bundled basis – where we act as trustee and administrator – or unbundled basis – where we provide one function and work with your preferred vendor for the other function.

Your IRSP assets will be held in an dedicated trust structure, which are separate from JTC’s own assets and protected from the corporate sponsor’s creditors.

The trustee hold trust assets on behalf of the members of the plan, ensures ongoing compliance with the trust deed, plan rules, and relevant laws and regulations. The trustee is also responsible for the performance of the administrator and investment adviser and has a fiduciary duty to act in the best interests of the members.

The administrator is responsible for day-to-day plan operations, which includes record-keeping, processing contributions, handling investment change requests, providing members online services, member communications and support, processing benefit payments, and reporting.

JTC offers off the shelf or fully customisable one-stop solution, including: trustee, administration, investment processing, and record-keeping services either as a fully bundled package or on an unbundled basis.

Your employees will have full control of their plans, including access to wide range of retirement planning and financial education tools. As one of the largest and most experienced IRSP providers globally, we understand how to build long-term partnerships with our clients and help their employees secure their financial futures.