Multi Fund

All you need to know about our multi-fund service
Guaranty Trust Pension Managers offer different pension fund options to match our client’s risk appetite. Depending on your risk tolerance, you can direct your pension to be conservative or aggressive investments where you can either accumulate modest returns or maximize your returns.

With these available RSA multi-fund options, everyone can invest something towards their future.

You can invest in one or more fund options we offer.

To initiate a transfer among funds, kindly fill the Multi-fund Transfer Form and upload a copy of the Interfund Transfer request letter on the form.


Fund I Fund II Fund III Fund IV Fund V Fund VI (Active) Fund VI (Retiree)
Aggressive Modest Conservative Super-conservative Modest Ethical Fund Ethical Fund
Not accessible to Contributors over 50 Default RSA fund for people who are 49 and below Default RSA fund for people who are 50 and above yet to retire Default RSA fund for retirees For contributors in the informal sector For non-interest/sharia-compliant contributors For non-interest/sharia-compliant contributors who have retired
Contributors can move funds to Fund II, III or VI (Active) on request Contributors can move funds to Fund I or VI(Active) on request Contributors can move funds to Fund II on request Contributors can move  to Fund VI(Retirees) on request 50% can be withdrawn for contingencies Contributors can move between Fund I, II or III based on request Contributors can move to Fund IV based on request
Sharpe Ratio = 1.0725 Sharpe Ratio = 0.9113 Sharpe Ratio = 0.2987 Sharpe Ratio = -0.5457 Sharpe Ratio = -0.2445 Sharpe Ratio = -0.2812 N/A
Admin. fee = ₦100 Admin. fee = ₦100 Admin. fee = ₦100 Admin. fee = ₦50 Admin. fee = N/A Admin fee = ₦100 Admin fee = ₦50

Why Choose Us

We’ve helped Millions of Customers with their Savings and Financial Plans