Products & Services

Voluntary Contributions

Make A Voluntary Contribution

AVC provides you the opportunity to grow your pension in addition to your mandatory contribution. It can be considered as a means of targeted savings that gives access to solve specific needs before retirement. Being tax exempt, your AVC is deducted before tax is applied, hence, reducing tax liability.


Extra Funds for Retirement
If the monthly contribution by your employer feels insufficient, AVC allows a smooth and easier transition into retirement in the form of extra funds into your pension.

Flexible options
As a voluntary saver, you are allowed to access a maximum of 50% of your AVC fund after 2 years of contribution.

Contribution is done at your convenience. Remittance could be weekly, monthly, quarterly or yearly. And with the online platform, you can easily track your contributions from the comfort of your home or office.

Diversity and Safety
With a focus on increasing the value of your funds, we are committed to keeping your pension funds safe in assets with low investment risks at substantial interest rates.

To initiate contribution, you should inform your employer to make the permitted deductions from your emolument while withdrawal is upon request.

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Fund Performance

We direct our investments towards earning you profitable returns while safeguarding your money. See how we’re performing today.

  • Fast

    We promise to give you the best retirement, but it will only happen because of our quick response to market opportunities and your needs.

  • Efficient

    We have built a reputation for efficiency and continue to do so with our checklist of value-adding innovations which we optimize to manage your pension.

  • Smart ROI

    Our investment decisions are smart and directed towards high-performing instruments that deliver profitable returns on your investment.

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Everything you need to know about our pension product and services. If you don’t find the answer you are looking for, you can reach out to our support team.

  • What is a Pension?

    Pension is a regular income received by a person at retirement when he/she stopped working because of having reached a certain age or based on health condition to cater for his/her needs at old age

  • What is an Retirement Savings Account (RSA)?

    A Retirement Savings Account (RSA) is an account opened by an employee or contributor with a PFA of choice into which all pension contributions and returns on investment are paid. Every contributor under the contributory pension scheme (CPS) is expected to open RSA in his/her name with a PFA of his/her choice into which all his/her contributions and returns on investment are paid

  • Can I withdraw from my Retirement Savings Account (RSA) at any time?

    Contributors cannot withdraw money except at retirement or upon temporary loss of job and in all cases, withdrawals are subject to approval by the National Pension Commission (PenCom). The PFA is required to invest the money in allowable investment outlets and the income generated is fully credited into the RSA.

  • Who is a Pension Fund Administrator (PFA)?

    A PFA is a company licensed by the National Pension Commission for the sole purpose of managing and administering pension funds contributed into the RSAs.

  • Who is a Pension Fund Custodian (PFC)?

    A PFC is a company licensed by the National Pension Commission to keep pension money and assets in the RSA on. trust for the employee on behalf of the PFA. The PFC receives pension contributions from employers on behalf of PFAs, settles investment transactions on the order of the PFA, effects payments of benefits and undertakes other administrative functions.

  • What is the Difference Between a PFA and a PFC?

    The PFA manages and invests the pension funds on behalf of contributors while the PFC keeps the pension funds and assets in safe custody and carries out transactions on behalf of the PFA.