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Elphinstone

Corporate retirement plan platform based on the Voluntary Pension Scheme (VPS) for company

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Elphinstone provides a VPS-based corporate retirement plan for companies in Pakistan with more than 10 employees, replacing Gratuity and Provident Fund arrangements. The platform handles onboarding and FBR paperwork, manages employee questions, requests and transactions, and offers Shariah-compliant investment products from partner asset managers including UBL Fund Managers and MCB-Arif Habib. Individual US stock investing is directed to a separate site, Elphinstone.us.

The service is packaged as a tiered fee structure based on assets under management, with the percentage fee decreasing as AUM rises. Fees apply only to VPS assets, though employees' non-retirement investments count toward tier calculation. The plan is available to companies of any size in Pakistan meeting the employee threshold.

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