MPAO Mobile Application - Pension Administration
Contents
1. 11 Page al Contact National ID Passport Email Mobile Number Comment Type Feedback Suggestion Comment Figure 3 4 Contact Form Comment Type Feedback Suggestion Feedback Suggestion RSA Balance Issue Death Report Report Non Compliance Software Issue Other pa Figure 3 5 Comment type selection box This screen provides basic contact information ofthe MPAO and its address A Q About MPAO CONTACT CENTER 1441 Maldives Pension Administration Office Machan Goalhi 20379 Ameenee Magu Male Rep of Maldives F 960 3307759 E info pension gov mv Phone 1441 MPAO App Version 1 3 0 Figure 3 6 About Screen Logging in to the Retirement Savings Account RSA will require that the user is already registered with the MPAO A registration feature is implemented in the application for unregistered users Please refer to the registration section of this document for more information In order to log in the user must enter the ID Card number and a mobile number to obtain a token number We will send the token number via an SMS The users may experience unexpected delays in receiving the SMS due to unforeseen delays caused by SMS provides This may be a more frequent occurrence in hours of congested mobile network traffic 13 Page Please request a token to login We will SMS the token Request Token If you want to register or update a mobile n2. 0 Figure 3 14 Monthly payments page This statement shows the history of pension payouts paid to you and the month for which they are accounted for For people who receive monthly payments they will see page similar to Figure 3 14 which shows a monthly breakdown of the payments they have been receiving For people who do not receive any payments the application will simply show a message stating that 21 Page This page will give an introduction to what RSA account is and how it is structured Users will be able to get most of the information they require using this help page and the FAQs 22 Page lt RSA Help Your retirement statement shows your balance st a particular date Your Retirement Savings Account RSA is composed of contributions interest charges on late contributions pension payouts and distributions other debits administration fees In addition eligible members would have Recognition Bonds and adjustments hence Your RSA balances are based on units purchased and sold The net units are then multiplied by fund price Members buy units from the fund when contributions are made to the scheme and sell units when payouts distributions management fee and other debits are processed Fund price is calculated based on the investment performance Fund prices are increased when investment performance is positive and decresse when investment performance is negative Fund price reflects investment performance Fu
3. User Manual MPAO Mobile Application Contents 1 2 3 4 General information ide 4 A PP ene a aaaea aan e AR aE a E bene a a a 4 Document SOY A a aia 4 System Summary o 5 System PEU adn aliados edo e ne ed an ed 5 APPLICATION VERSION Sii A at 6 Getting tati 7 Getting ta a eres Sain cots aceasta een te 7 O O ae ae 7 Installation Guide iii cda 7 A OOOO 8 INStall OMG a 8 Usingithe Application 9 System O a 9 Main MAA a I ED EAA did 9 AMM e da a cot a 10 O AN 10 COMA A A AA A ERA AE RAS 11 A aia 12 Logging POCOS nin A A a Nada 13 REGUS Cra th OM WERO ed alee a a eee PS teeta stu ohne ended ete toed A aan Eaa aN aienea 15 User Profile iaa aa 16 RSA UA ada 17 RSACOMPOS Ni A iras 19 NS Y O 19 CONtTIDUTIONS ima 21 PA DUES rs 21 ASA A A AR E 22 Troubl Shooting viii 24 SUP POM ONO 24 2 Page 3 Page 1 GENERAL INFORMATION INTRODUCTION This is the user manual for the mobile application developed by the Maldives Pension Administration Office MPAO This manual is organized into four sections which are System Summary Getting Started Using the Application and Troubleshooting DOCUMENT HISTORY Version Changes Authors Date 1 0 Initial Document Application 23 6 2015 Developer 4 Page 2 SYSTEM SUMMARY SYSTEM FEATURES The application provides an interface for the public to use some services provided by the MPAO to the clients The features impleme
4. administration and investment management of MRPS e Distributions This item refers to lump payments to courts in settlement of claims by heirs of the deceased member e Closing Balance Closing balance of the portfolio up to this date RSA Activity e movements within the portiolos that comprise re inflows outfiows and gains losses and transfers Amount Inflows 0 594 07 Gain Loss 975 60 Transfers 0 00 Fees 209 88 Dstrbutions 0 00 Portfolios MRPS investment Credited Balance Description Amount Inflows 10 594 07 GaniLoss 975 60 Transfers 0 00 Fees 209 88 Dstrbutions 0 00 Figure 3 13 RSA activity page 20 Page This statement shows the history of contributions made by you and your employer and the month for which they are accounted for The percentage contributed is also shown next to the contribution type in brackets By default this is 7 of you basic salary However this value may differ for some people who have arranged to contribute a different percentage every month Please read FAQ for further information LAZ Contributions This statement shows the history of contributons made by you and your employer and the month for which they are accounted for Apr 2015 Date Type Amount Makives Pension Administration Ofte 06 06 2015 Mandatory Employee Contributions 7 1 120 00 06 05 2015 Mandatory Employer Contributions 7 1 12 Mar 2015 2240 00 E Feb2015 Dec 2010 84 May 201
5. cation is 1003636891 8 Page 4 USING THE APPLICATION SYSTEM INTERFACE WELCOME Maldives Pension Administration Office MPAD Figure 3 0 Home Screen of the application 9 Page Users can open the side menu by clicking the menu button on the header The side menu will help users to navigate more easy than using back buttons D RE Login A FAQ gt Information z A Withheld k Contact gt count Balance is 2 About WELCOMI FAQ 32 80 Maldives Pension r Administration Off Contact About Figure 3 1 The side menu of the application Frequently Asked Questions FAQ has a list of common questions that the users asked and they might need to know It also explains and gives a brief set of information about each basic types of pensions managed by the MPAO 10 Page w Maldives Retirement Pension Sche Basic Pension Accrued Pension Rights Senior Citizens Allowance Other Pensions Figure 3 2 Frequently Asked Questions The contact form can be used to contact MPAO directly for any type of assistance a user may require We have grouped comment types to a set of comment types expected from the users We encourage the use of this form to report issues such as death of an individual non compliance of an employee a problem with the RSA statement to MPAO MPAO will contact the user for further verification or information in necessary cases
6. ement shows the change in your RSA balance in summary form It shows how the current balance is arrived from the initial balance in RSA 17 Page RSA Summary This statement shows the change n your RSA balance in summary form t shows how the current balance is arrwed from the nial balance n RSA Description Amount OpeningBalanes 31229 Employer contrbutions 5204 05 Employee contributions 4 044 42 interest charge on late contributons 0 00 Investment Gan Loss 975 69 Payouts 0 00 Transfers 0 00 Fess 200 88 Adjustment o RB 0 00 Interest charge on late contributions This em refers do interest charged for not comtibuing on time as a compensation for he member The charges ae pad by employees and credted to members account Payouts This Rem refers do monthly pension payouts made to members Monty pension payouts are calculated based on fe expectancy annually and prorated on monthly oasis Distribution This Rem refers to ump payments to courts N sefSement of claims by ners of Me deceased member Other Debits This hem refers to refunds and other outfiows due to clams errors and alternatives LPs Figure 3 11 RSA summary page Opening Balance This is the amount of money present when the member opened his or her account For example by Government Recognition Bonds Employer Contributions This is the aggregate value of all the contributions by the employer to this date Employee Contributions This is the ag
7. gregate value of all the contributions by all the employees employed by the member to this date Interest Charged on Late Contributions This item refers to interest charged for not contributing on time as a compensation for the member The charges are paid by employees and credited to members account Investment Gains Loss Total investment gains and losses for all portfolios Payouts This item refers to monthly pension payouts made to members Monthly pension payouts are calculated based on life expectancy annually and prorated on monthly basis Transfers This is the amount of money transferred between potfolios 18 Page e Distribution This item refers to lump payments to courts in settlement of claims by heirs of the deceased member e Other Debits This item refers to refunds and other outflows due to claims errors and alternatives e Fees This item refers to administration fee charged by MPAO on members The administration fee is charged towards recovering the cost of administration and investment management of MRPS e Adjustments to R B This item refers to Recognition Bonds RB issued by Ministry of Finance and Treasury MoFT in recognition of accrued service rights of eligible members The bond is based on service period and salary The initial value of the bond is subject to change when there is a valid claim on changes to service period and salary Please see FAQ for more details This statement shows the different po
8. nd prices can be used to measure rate of return of your portfolio A portfolio is a collection of investments which has specific risk return profiles Maldives Retirement Pension Scheme MRPS currently offers two portfolio choices investment and shana After retirement members portfolo is transfered to conservative portfolio where pension payouts start ti kick in The RSA statement is made up of a summary composition Summary This statement shows the change in your RSA balance in summary form It shows how the current balance is arrived from ke ita atar ic MOA Figure 3 15 RSA Help page 23 Page 5 TROUBLESHOOTING SUPPORT Please contact MPAO for additional support Users can contact MPAO either by hotline 1441 or by email info pension gov mv 24 Page
9. nted in the current version of the app are 1 2 gory View Retirement Savings Account RSA Balance View RSA Values a This statement shows the change in your RSA balance in summary form It shows how the current balance is arrived from the initial balance in RSA View RSA Composition a This statement shows the different portfolios that comprise your RSA It shows the units you hold in each of the portfolios you belong to and the price of the portfolio The product of the units and price would be equal your RSA balance View RSA Activity a This statement shows the movements within the portfolios that comprise your RSA Movements are inflows outflows and gains losses and transfers from to portfolios Contributions a This statement shows the history of contributions made by you and your employer and the month for which they are accounted for Payouts a This statement shows the history of pension payouts paid to you and the month for which they are accounted for View Frequently Asked Questions FAQ Contact MPAO via a contact form Caching of network data on the client side to reduce network load 0 Registering a new user account 5 Page APPLICATION VERSIONS Version Change Log 1 0 0 Initial application launched Main features listed above are present 1 1 0 Fixed the BackButton Header not showing issue for some phones Improvements to the Login Screen 1 2 0 Further optimizations More improvements to the L
10. ogin Screen Help texts added to the App Comment types added 1 3 0 iOS optimized release currently only for iOS 6 Page 3 GETTING STARTED GETTING STARTED This section explains how to install the application and the types of devices supported by the application This section also gives an overview of the version history and what is new in the latest version of the application ANDROID The application is supported on Android devices with Android version greater than 4 0 code named Ice Cream Sandwich However for optimal user experience we recommend Android versions above 4 4 currently both 4 4 KitKat and 5 0 5 1 Lollipop In order to install the application please visit Google Play Store and search for MPAO Mobile App or navigate directly to the URL https play google com store apps details id mv gov pension app Note that the unique ID for our application is mv gov pension app This will help to distinguish our application from other third party pension fund related applications found in the market MPAO Mobile App MPAO June 1 2 St AN pol mean Add to Wishlist AY You dont have any devices died 25 8 1 2 Recon E i Figure 2 0 MPAO Mobile App available is in Google Play Store 7 Page IOS For iOS devices we recommend iOS version 8 or above The application is available on Apple App Store The unique ID to identify our appli
11. rtfolios that comprise your RSA It shows the units you hold in each of the portfolios you belong to and the price of the portfolio the product of the units and price would be equal your RSA balance e Units Your RSA balances are based on units purchased and sold Members buy units from the fund when contributions are made to the scheme and sell units when payouts distributions management fee and other debits are processed e Price The price of each unit is calculated periodically based on financial indicators e Market Value The amount of money present in the portfolio is the product of number of units and the price of each unit RSA Composition Units x Price Market Value MRPS nvestment Credited Balance 100 This statement shows the movements within the portfolios that comprise your RSA Movements are inflows outflows and gains losses and transfers from to portfolios The first section is an aggregate of activity in all the portfolios combined After the subheading portfolios users can view RSA activity separate for each portfolio e Inflows This is the amount of money flowing into the portfolio For example by contributions or investment profits e Gains Loss This is the investment profits or loss to the member e Transfers This is the money transferred between the portfolios e Fees This item refers to administration fee charged by MPAO on members The administration fee is charged towards recovering the cost of
12. umber Register Now Figure 3 7 The Login form 14 Page Login Login You will recieve the SMS shortly There might be unexpected delays by SMS service providers during certain hours Figure 3 8 The form to enter the token received by via SMS The current version of this application only supports the registration of Maldivian Citizens since registration by Passport is not fully implemented yet A user will require a valid National ID card valid mobile number registered under the user s name and the user s date of birth The MPAO will contact the user within a reasonable timeframe once the registration information is received by the MPAO If a user likes to update the mobile number the user is required to complete the registration process again 15 Page Register National ID Passport Date of Birth 01 01 1997 Mobile Number The mobile number must be registered under your name Register Now Figure 3 9 Registration form Once successfully logged in the user must be able to view the user s name ID Card and the RSA balance If this balance is not the expected balance please try viewing the balance after few hours since internal synchronization of data might cause some delays However if an issue persists the user is advised to use the contact form to contact MPAO regarding the issue 16 Page Information Withheld Your Retirement Savings Account Balance is MVR 12 299 90 This stat
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