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Under this scheme, the Pension Reform Act requires an employer to pay a minimum of 10.0 % of an employee's total emoluments as monthly retirement contribution. The employee is also required to contribute 8.0% to the scheme. The funds within this account are invested by us to yield a good return and multiply the funds available to members on retirement.

Annual statement of accounts are sent to account holders at year end and account holders CAN NOW view their accounts online.


This is a savings account into which employee can make additional payments if the regular pension contribution will not be sufficient to meet his or her personal retirement goals. The funds in this account will also be invested on the contributors instruction, ensuring that the money works better for the contributor.

The rates in this case is not fixed as in the case of the above counterpart. It is dependent solely on the discretion of the contributor.


We are guided by an investment policy drawn up by our Management and approved by the Board. Our investment as at 31st December was over 13.2 Billion by market value' by market valuation.

We have investments in the following areas:

  • Equity- quoted and unquoted
  • Real Estate
  • Government Bonds
  • Treasury Bills
  • Fixed Deposits