BANKING
PENSIONS
INSURANCE
INVESTMENTS

The BEIGE Pension Trust (TBPT)

The BEIGE Pensions Trust (TBPT) is a Corporate Trustee licensed to carry out the business of Pension Trusteeship and Administration by The National Pensions Regulatory Authority ( NPRA) to manage Pension Funds in line with the National Pensions Act, 2008 (ACT 766). We operate in line with global best practices and aim to be the pre-eminent Pension Trust Company in Ghana and beyond.

STATUTORY PENSION PLAN

These are mandatory pension plans for all individuals and corporate entities.

Description
Traditional mandatory Tier 2 occupational pension plan designed to provide superior returns and retirement benefits to employees. This is a plan focused on aggressive growth and capital preservation.
Target Market
• Corporate Institutions
• Formal Sector workers
Documentation & Process
• Employer Master Trust Participation
• Completion of employee application form
• Acceptance of scheme rules

Eligibility
• All corporate inst.
• All formal sector workers
Features & Options
• Lump Sum Payment
• Optional Inheritance Reserve (10% min)
• Tax Deductible
• Annual Retiree Retreat at BV
Benefits
• Optional Payroll Integration
• Superior Return (T-bill + 3%)
• Online Reports
• Fund Security
• Retirement Income Security
• Tax Benefits
• Retirement Advisory
Accessibility & Terms Retirement Age 60 or in accordance with the provisions of the pensions act

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Description
Enhanced mandatory Tier 2 occupational pension plan designed to provide moderate returns coupled with complimentary services essential during retirement.
Target Market
• Corporate Institutions
• Formal Sector workers
Documentation & Process
• Employer Master Trust Participation
• Completion of employee application form
• Medical examination report • Acceptance of scheme rules
Eligibility
• Min. of 20 employees

• GHS 1,000 min Tier 2 contrib.

Features & Options
• Annuity Conversion
• Optional Lump Sum Payment
• Life Cover
•Annual Retiree Benefit at BV
• Health & Medical Cover
• Non-Assigned Flexible Loans
• Non-Collateral
• Inheritance Reserve Tax Deductible
Benefits
• Optional Payroll Integration
• Moderate Return (T-bill + 1%)
• Online Reports
• Fund Security
• Retirement Income Security
• Tax Benefits
• Retirement Advisory

Accessibility & Terms
• Non-Assigned Loans and Life Insurance benefits are accessible after 6 months of consistent contribution
• All other benefits are applicable at age 60 or in accordance with the pensions act

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Description
Innovative mortgage-backed mandatory Tier 2 occupational pension plan designed to provide a primary residential property in accordance with Section 103(2) of the Pensions Act (2008) Act 766

Target Market
• Corporate Institutions
• Formal Sector workers

Documentation & Process
• Employer Master Trust Participation
• Completion of employee application form
• Medical examination report
• Actuarial Feasibility Assessment
• Acceptance of scheme rules Eligibility
• Min. of 50 employees
• GHS 2,000 min. Tier 2 contrib.

Features & Options
• Assignment of Tier 2
• Home Purchase
• Land Acquisition
• Foundation Construction
• Home Completion
• Life Cover/Mortgage Protection
• Tax Deductible
• Limited Portability

Benefits
• Optional Payroll Integration
• Appreciable Return (T-bill + 2%)
• Online Reports
• Fund Security
• Retirement Income Security
• Mortgage Loans
• Tax Benefits
• Retirement Advisory
• Labour Subsidies where applicable
• Credit purchase of building materials where applicable

Accessibility & Terms
• Employee benefit application age limit = 50 years unless level of income is supportive
• No prior liabilities or facility repayment • Valid documentation in applicant’s name Retirement age = 60 or in accordance with the pensions act

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VOLUNTARY PENSION PLAN

These are occupational pension plans recommended for registered entities. They are however voluntary in nature and usually refereed to as “Provident Funds”

Description
Traditional Tax deductible voluntary Tier 3 provident fund plan designed to provide additional retirement benefits to employees. This is a plan focused on aggressive growth and capital preservation.
Target Market
• Corporate Institutions
• Formal Sector workers

Documentation & Process
• Employer Participation Form
• Completion of employee application form
• Acceptance of scheme rules
Eligibility
• All corporate inst.
• All formal sector workers
Features & Options
• Contributory Scheme up to 16.5%
• Defined Contribution
• Lump Sum Payment
• Optional Inheritance Reserve (10% min)
• Tax Deductible
• Annual Retiree Retreat at BV

Benefits
• Superior Return (T-bill + 3%)
• Online Reports
• Fund Security
• Retirement Income Security
• Tax Benefits

Accessibility & Terms
• Retirement Age 60 or in accordance with the provisions of the pensions act
• Funds invested for a min. of 10 years

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Description
Enhanced voluntary Tier 3 provident fund plan designed to provide additional retirement income, moderate returns coupled with complimentary services essential during retirement. It is Non-Tax Deductible
Target Market
• Corporate Institutions
• Groups & Associations
• Projects i.e. USAID
• Formal Sector workers
Documentation & Process
• Corporate Participation Form
• Completion of employee application form
•Medical examination report
• Acceptance of scheme rules
Eligibility
• Min. of 20 employees/members GHS 2,000 min Tier 3 contrib.
Features & Options
• Annuity Conversion
• Optional Lump Sum Payment
• Unscheduled Payments allowed
• Life Cover
• Annual Retiree Retreat at BV
• Health & Medical Cover
• Collateralized Loans
• Hire Purchase Schemes
• Group Loan/Corporate Loans
• Inheritance Reserve
• Non-Tax Deductible

Benefits
• Moderate Return (T-bill + 1%)
• Online Reports
• Fund Security
• Flexible withdrawal terms
• Retirement Income Security

Accessibility & Terms
• Non-Assigned Loans, Medical cover, Collateralized Personal Loans and Life Insurance benefits are accessible after 6 months of consistent contribution
• All other benefits are applicable at age 60 or in accordance with the pensions act

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Description
Innovative mortgage-backed voluntary Tier 3 provident fund plan designed to provide a primary residential property in accordance with Section 103(2) of the Pensions Act (2008) Act 766. This is a blend of both Tax Deductible & Non-Tax Deductible options
Target Market
• Corporate Institutions
• Groups & Associations
• Projects i.e. USAID, etc.
• Formal Sector workers
Documentation & Process
• Corporate Participation Form
• Completion of employee application form
• Medical examination report
• Actuarial Feasibility Assessment
• Acceptance of scheme rules Eligibility
• Min. of 50 employees
• GHS 5,000 min. Tier 3 contrib.

Features & Options
• Assignment of Tier 3
• Private Investment Sub-account
• Unscheduled Payments allowed
• Home Purchase
• Land Acquisition
• Foundation Construction
• Home Completion
• Life Cover/Mortgage Protection
• Tax Deductible/Non-Tax Deductible

Benefits
• Appreciable Return (T-bill + 2%)
• Online Reports
• Fund Security
• Flexible withdrawal terms
• Retirement Income Security
• Mortgage Loans
• Tax Benefits up to 16.5%
• Labour Subsidies where applicable
• Credit purchase of building materials where applicable
Accessibility & Terms
• Employee benefit application age limit = 50 years unless level of income is supportive
• No prior liabilities or facility repayment
• Valid documentation in applicant’s name Retirement age = 60 or in accordance with the pensions act

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SPECIALISED PENSION PLAN

These are occupational pension plans recommended for specialised occupational groups only. They also voluntary in nature.

Description
Enhanced voluntary Tier 3 provident fund plan designed to provide additional retirement income, moderate returns coupled with complimentary services essential during retirement. It is Non-Tax Deductible
Target Market
• Musicians, Actors, Actresses, Producers, Directors etc
• Via Creative Arts Ministry and Actors Guild, Musiga etc
Documentation & Process
• Corporate Participation Form
• Completion of member application form
• Medical examination report
• Actuarial Feasibility Assessment
• Acceptance of scheme rules
Eligibility
• All creative arts, entertainment and media houses
• All artistes, producers etc
Features & Options
• Annuity Conversion
• Optional Lump Sum Payment
• Unscheduled Payments allowed
• Life Cover
• Annual Retiree Retreat at BV
• Health & Medical Cover
• Collateralized Loans
• Hire Purchase Schemes
• Group Loan/Corporate Loans
• Inheritance Reserve
• Defined Contribution
• Non-Tax Deductible
• Mortgage Solutions i.e. Home acquisition, home completion, land acquisition, foundation construction
Benefits
• Superior Return (T-bill + 3%)
• Online Reports
• Fund Security
• Flexible Withdrawal Terms
• Retirement Advisory
• Retirement Income Security
•Tax Benefits
• Labour Subsidies where applicable Credit purchase of building materials where applicable
Accessibility & Terms
• Retirement Age 60 or in accordance with the provisions of the pensions act
• Funds invested for a min. of 10 years

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Description
Enhanced voluntary Tier 3 provident fund plan designed to provide additional retirement income, moderate returns coupled with complimentary services essential during retirement. It is Non-Tax Deductible

Target Market
• Health Service Providers
• Health Sector Unions/Assoc.
• Via Health Ministry
Documentation & Process
• Corporate Participation Form
• Completion of member application form
• Medical examination report
• Actuarial Feasibility Assessment
• Acceptance of scheme rules
Eligibility
• All Health institutions
. • All Health sector workers
Features & Options
• Annuity Conversion
• Optional Lump Sum Payment
• Unscheduled Payments allowed
• Life Cover
• Annual Retiree Retreat at BV
• Health & Medical Cover
• Collateralized Loans
• Hire Purchase Schemes
• Group Loan/Corporate Loans
• Inheritance Reserve
• Defined Contribution
• Non-Tax Deductible
• Mortgage Solutions i.e. Home acquisition, home completion, land acquisition, foundation construction

Benefits
• Superior Return (T-bill + 3%)
• Online Reports
• Fund Security
• Flexible Withdrawal Terms
• Retirement Advisory
• Retirement Income Security
•Tax Benefits
• Labour Subsidies where applicable Credit purchase of building materials where applicable
Accessibility & Terms
• Retirement Age 60 or in accordance with the provisions of the pensions act
• Funds invested for a min. of 10 years

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Description
Enhanced voluntary Tier 3 provident fund plan designed to provide additional retirement income, moderate returns coupled with complimentary services essential during retirement. It is Non-Tax Deductible

Target Market
• Footballers, sportsmen and women, coaches, technical personnel etc.
• Via Sports Ministry
Documentation & Process
• Corporate Participation Form
• Completion of member application form
• Medical examination report
• Actuarial Feasibility Assessment Acceptance of scheme rules
Eligibility
• All Sports Institutions and clubs
• All sports personnel
Features & Options
• Annuity Conversion
• Optional Lump Sum Payment
• Unscheduled Payments allowed
• Life Cover
• Annual Retiree Retreat at BV
• Health & Medical Cover
• Collateralized Loans
• Hire Purchase Schemes
• Group Loan/Corporate Loans
• Inheritance Reserve
• Defined Contribution
• Non-Tax Deductible
• Mortgage Solutions i.e. Home acquisition, home completion, land acquisition, foundation construction

Benefits
• Superior Return (T-bill + 3%)
• Online Reports
• Fund Security
• Flexible Withdrawal Terms
• Retirement Advisory
• Retirement Income Security
•Tax Benefits
• Labour Subsidies where applicable Credit purchase of building materials where applicable
Accessibility & Terms
• Retirement Age 60 or in accordance with the provisions of the pensions act
• Funds invested for a min. of 10 years

 

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Personal Pension Plans

These are Voluntary Pension Plans recommended for individuals.

EXECUTIVE PENSION PLANS

Description
It is a secured 3rd tier voluntary personal pension plan for
people in the informal sectors to contribute towards their
pension contributions and save for short to medium term
needs as well.
• It has a lump sum min contribution of
GHC 10,000 and monthly regular min of
GHC 1,000 and above
• Flexible payments of daily, weekly, or monthly
contributions
• Moderate Aggressive Fund
• The objective is to help people in the
informal sector (micro sector) retire
comfortably with excellent returns.
Target Market
Target Group – People in the informal sector, market
women, less privileged.
Features
• After tax deduction
• Made up of two(2) accounts:
a) investment/savings account
that allows you to withdraw
for short to medium term
needs after five years of
contribution
b) A retirement account to be paid
when you retire with special
conditions under which
money can be paid to you
before retirement.
Benefits
• Professionally managed
• Provides income security
• Accessibility to Primary Mortgage
• Access to loans
• Tax advantages
• Lump sum payment or annuity payments
at retirement
• Accepts Rollovers from other schemes
• Earnings grow tax free
• Life Insurance (Optional)
• Medical Insurance (Optional)
• Quick benefit processing
• SMS alert
• Periodic member statements
• Inflation protector options
• Valued added services like free pension consulting
Accessibility
• All categories of the income class:
a. Regular income
b. Earnings weekly or monthly
c. Age group 15+
• Payment Options
a. Direct debit deductions
b. Payroll deductions
c. Mobile money
d. Cash payments
e. Cheque
Documentation
Enrollment form, payment form, One (1) passport picture, a
copy of ID, Bank details if it is direct debit, beneficiary and
next of kin information.

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Description
It is a secured 3rd tier voluntary personal pension plan for widows/Widowers/Divorce in the informal sectors to contribute towards their pension contributions and save for
short to medium term needs as well.
• It has a lump sum min contribution of
GHC 7,000 and monthly regular min of
GHC 400 – 500
• Flexible payments of daily, weekly, or monthly contributions
• Balanced Fund
• The objective is to help you preserve and create wealth with higher returns for peace of mind and
comfort during retirement.
Target Market
Widows, Widowers and Divorcees both here
and abroad
Features
• Pretax or After tax deduction
• Made up of two(2) accounts:
a) investment/savings account that allows you to withdraw for short to medium term needs after five years of contribution
b) A retirement account to be paid when you retire with special
conditions under which money can be paid to you before retirement.

Benefits
• Professionally managed
• Provides income security
• Accessibility to Primary Mortgage
• Access to loans
• Tax advantages
• Life Insurance (Optional)
• Medical Insurance (Optional)
• Quick benefit processing
• SMS alert
• Periodic member statements
• Inflation protector options
• Valued added services like free pension consulting
Accessibility
• All categories of the income class:
a. Regular income
b. Earnings weekly or monthly
c. Age group 18+
• Payment Options
a. Direct debit deductions
b. Payroll deductions
c. Mobile money
d. Cash payments
e. Cheque
Documentation
Enrollment form, payment form, One (1) passport picture,
a copy of ID, Bank details if is direct debit, beneficiary and
next of kin information.

Sign Up Now
Description
It is a secured 3rd tier voluntary personal pension plan
for widows/Widowers/Divorce in the informal sectors to
contribute towards their pension contributions and save for
short to medium term needs as well.
• It has a lump sum min contribution of
GHC 5,000 and monthly regular min of
GHC 360 – 400
• Flexible payments of daily, weekly, or monthly
contributions
• Balanced Fund
• The objective is to help you preserve and create
wealth with higher returns for peace of mind and
comfort during retirement.
Target Market
Target Group – Widows, Widowers and Divorcees both here
and abroad
Features
• Pretax or After tax deduction
• Made up of two(2) accounts:
a) investment/savings account
that allows you to withdraw
for short to medium term
needs after five years of
contribution
b) A retirement account to be paid
when you retire with special
conditions under which
money can be paid
to you before retirement.
Benefits
• Professionally managed
• Provides income security
• Accessibility to Primary Mortgage
• Access to loans
• Tax advantages
• Lump sum payment or annuity payments
at retirement
• Accepts Rollovers from other schemes
• Earnings grow tax free
• Life Insurance (Optional)
• Medical Insurance (Optional)
• Quick benefit processing
• SMS alert
• Periodic member statements
• Inflation protector options
• Valued added services like free pension consulting
Accessibility
• All categories of the income class:
a. Regular income
b. Earnings weekly or monthly
c. Age group 18+
• Payment Options
a. Direct debit deductions
b. Payroll deductions
c. Mobile money
d. Cash payments
e. Cheque

Documentation
Enrollment form, payment form, One (1) passport picture,
a copy of ID, Bank details if is direct debit, beneficiary and
next of kin information.

Sign Up Now
Description
This has the same features as that of Standard.
• It has a lump sum min contribution of
GHC 3,000 and monthly regular min of
GHC 300 – 350
• Flexible payments of daily, weekly, or monthly
contributions
• Balanced Fund
• The objective is to help you preserve and create
wealth with higher returns for peace of mind and
comfort during retirement.
Target Market
Target Group – Widows, Widowers and Divorcees both here
and abroad
Features
• Pretax or After tax deduction
• Made up of two(2) accounts:
a) investment/savings account
that allows you to withdraw
for short to medium term
needs after five years of
contribution
b) A retirement account to be paid
when you retire with special
conditions under which
money can be paid
to you before retirement.
Benefits
• Professionally managed
• Provides income security
• Accessibility to Primary Mortgage
• Access to loans
• Tax advantages

Sign Up Now

Description
It is a secured 3rd tier voluntary personal pension plan
for widows/Widowers/Divorce in the informal sectors to
contribute towards their pension contributions and save for
short to medium term needs as well.
• It has a lump sum min contribution of
GHC 2,000 and monthly regular min of GHC 250
300
• Flexible payments of daily, weekly, or monthly
contributions
• Moderate Aggressive Fund
• The objective is to help you create wealth with
higher returns for peace of mind and maintain
comfortable lifestyle during retirement.

Target Market
Target Group – Women in decision making, Career women
public and private Sector women workers, self-employed
like doctors, lawyers, etc.), high earned informal sector
women workers.

Features
• Pretax or After tax deduction
• Made up of two(2) accounts:
a) investment/savings account
that allows you to withdraw
for short to medium term
needs after five years of
contribution
b) A retirement account to be paid
when you retire with special
conditions under which
money can be paid to you
before retirement.

Benefits
• Professionally managed
• Provides income security
• Accessibility to Primary Mortgage
• Access to loans
• Lump sum payment or annuity payments
at retirement
• Accepts Rollovers from other schemes
• Earnings grow tax free
• Life Insurance (Optional)
• Medical Insurance (Optional)
• Quick benefit processing
• SMS alert
• Periodic member statements
• Inflation protector options
• Valued added services like free pension consulting
• Free access to events

Accessibility
• All categories of the income class:
a. Regular income
b. Earnings weekly or monthly
c. Age group 18+
• Payment Options
a. Direct debit deductions
b. Payroll deductions
c. Mobile money
d. Cash payments
e. Cheque

Documentation
Enrollment form, payment form, One (1) passport picture, a
copy of ID, Bank details if it is direct debit, beneficiary and
next of kin information.

Sign Up Now

EVERYDAY PENSION PLANS

Description
This has the same features as that of Blue.
• It has a lump sum min contribution of
GHC 3,000 and monthly regular min of
GHC 260 – 300
• Flexible payments of daily, weekly, or monthly
contributions
• Balanced Fund
• The objective is to help you preserve and create
wealth with higher returns for peace of mind and
comfort during retirement.
Target Market
Target Group – Widows, Widowers and Divorcees both here
and abroad
Features
• Pretax or After tax deduction
• Made up of two(2) accounts:
a) investment/savings account
that allows you to withdraw
for short to medium term
needs after five years of
contribution
b) A retirement account to be paid
when you retire with special
conditions under which
money can be paid
to you before retirement.

Benefits
• Professionally managed
• Provides income security
• Accessibility to Primary Mortgage
• Access to loans
• Tax advantages
• Lump sum payment or annuity payments
at retirement
• Accepts Rollovers from other schemes
• Earnings grow tax free
• Medical Insurance (Optional)
• Quick benefit processing
• SMS alert
• Periodic member statements
• Inflation protector options
• Valued added services like free pension consulting
Accessibility
• All categories of the income class:
a. Regular income
b. Earnings weekly or monthly
c. Age group 18+
• Payment Options
a. Direct debit deductions
b. Payroll deductions
c. Mobile money
d. Cash payments
e. Cheque
Documentation
Enrollment form, payment form, One (1) passport picture,
a copy of ID, Bank details if is direct debit, beneficiary and
next of kin information.

Sign Up Now
Description
This has the same features as that of Purple.
• It has a lump sum min contribution of
GHC 2,000 and monthly regular min of
GHC 200 – 250
• Flexible payments of daily, weekly, or monthly
contributions
• Moderate Aggressive Fund
• The objective is to retire comfortably with
excellent returns. It will provide regular
income to cover expenses and maintain
ones lifestyle during retirement.
Target Market
Target Group – People living abroad, Returnees both here
and abroad

Documentation
Enrollment form, payment form, One (1) passport picture,
a copy of ID, Bank details if is direct debit, beneficiary and
next of kin information, Address abroad.
Features
• Pretax or After tax deduction
• Made up of two(2) accounts:
a) investment/savings account
that allows you to withdraw
for short to medium term
needs after five years of
contribution
b) A retirement account to be paid
when you retire with special conditions under which
money can be paid to you
before retirement.

Benefits
• Professionally managed
• Provides income security
• Accessibility to Primary Mortgage
• Access to loans
• Tax advantages
• Lump sum payment or annuity payments
at retirement
• Accepts Rollovers from other schemes
• Earnings grow tax free
• Life Insurance (Optional)
• Medical Insurance (Optional)
• Quick benefit processing
• SMS alert
• Periodic member statements
• Inflation protector options
• Valued added services like free pension consulting
• All categories of the income class:
a. Regular income
b. Earnings weekly or monthly
c. Age group 18+
• Payment Options
a. Direct debit deductions
b. Payroll deductions
c. Mobile money
d. Cash payments
e. Cheque
Enrollment form, payment form, One (1) passport picture, a
copy of ID, Bank details if it is direct debit, beneficiary and
next of kin information.

Sign Up Now
Description
It is a secured 3rd tier voluntary personal pension plan for
people in the formal and informal sectors to contribute
aggressively towards their pension contributions and save for
short to medium term needs as well.
• It has lump sum min contribution of
GHC 1,000 and monthly regular min of GHC 100-
200
• Flexible payments of daily, weekly, or monthly
contributions
• Balanced Fund
• The objective is to help you create wealth with
higher returns for peace of mind and
comfort during retirement.

Target Market
Target Group – People nearing retirement and those who do
not make any Tier 2 or Tier 3 contributions and those who
want to augment their Tier 2 & 3 contributions, Public and
Private Sector workers, self-employed .

Features
• Pretax or After tax deduction
• Made up of two(2) accounts:
a) investment/savings account
that allows you to withdraw
for short to medium term
needs after five years of
contribution
b) A retirement account to be paid
when you retire with special
conditions under which
money can be paid to you
before retirement.
Benefits
• Professionally managed
• Provides income security
• Accessibility to Primary Mortgage
• Access to loans
• Tax advantages
It is a secured 3rd tier voluntary personal pension plan for
people in the formal and informal sectors to contribute
aggressively towards their pension contributions and save for
short to medium term needs as well.
• It has lump sum min contribution of
GHC 1,000 and monthly regular min of GHC 100-
200
• Flexible payments of daily, weekly, or monthly
contributions
• Balanced Fund
• The objective is to help you create wealth with
higher returns for peace of mind and
comfort during retirement.

Sign Up Now
Description
It is a secured 3rd tier voluntary personal pension plan for
people in the informal sectors to contribute towards their
pension contributions and save for short to medium term
needs as well.
• It has a lump sum min contribution of
GHC 500 and monthly regular min of
GHC 50 – 100
• Flexible payments of daily, weekly, or monthly
contributions
• Moderate Aggressive Fund
• The objective is to help people in the
informal sector (micro sector) retire
comfortably with excellent returns.
Target Market
Target Group – People in the informal sector, market
women, less privileged.
Features
• After tax deduction
• Made up of two(2) accounts:
a) investment/savings account
that allows you to withdraw
for short to medium term
needs after five years of
contribution
b) A retirement account to be paid
when you retire with special
conditions under which
money can be paid to you
before retirement.
Benefits
• Professionally managed
• Provides income security
• Accessibility to Primary Mortgage
• Access to loans
• Tax advantages
• Lump sum payment or annuity payments
• Accepts Rollovers from other schemes
• Earnings grow tax free
• Life Insurance (Optional)
• Medical Insurance (Optional)
• Quick benefit processing
• SMS alert
• Periodic member statements
• Inflation protector options
• Valued added services like free pension consulting
Accessibility
• All categories of the income class:
a. Regular income
b. Earnings weekly or monthly
c. Age group 15+
• Payment Options
a. Direct debit deductions
b. Payroll deductions
c. Mobile money
d. Cash payments
e. Cheque
Documentation
Enrollment form, payment form, One (1) passport picture, a
copy of ID, Bank details if it is direct debit, beneficiary and
next of kin information.

Sign Up Now
Description
This has the same features as that of Yellow.
• It has a lump sum min contribution of
GHC 200 and monthly regular min of
GHC 10 – 50
• Flexible payments of daily, weekly, or monthly
contributions
• Moderate Aggressive Fund
• The objective is to help people in the
informal sector (micro sector) retire
comfortably with excellent returns.

Target Market
Target Group – People in the informal sector, market
women, less privileged.
Features
• After tax deduction
• Made up of two(2) accounts:
a) investment/savings account
that allows you to withdraw
for short to medium term
needs after five years of
contribution
b) A retirement account to be paid
when you retire with special
conditions under which
money can be paid to you
before retirement.
Benefits
• Professionally managed
• Provides income security
• Accessibility to Primary Mortgage
• Access to loans
• Tax advantages
• Lump sum payment or annuity payments
Accepts Rollovers from other schemes
• Earnings grow tax free
• Life Insurance (Optional)
• Medical Insurance (Optional)
• Quick benefit processing
• SMS alert
• Periodic member statements
• Inflation protector options
• Valued added services like free pension consulting
Accessibility
• All categories of the income class:
a. Regular income
b. Earnings weekly or monthly
c. Age group 15+
• Payment Options
a. Direct debit deductions
b. Payroll deductions
c. Mobile money
d. Cash payments
e. Cheque
Documentation
Enrollment form, payment form, One (1) passport picture, a
copy of ID, Bank details if it is direct debit, beneficiary and
next of kin information.

Sign Up Now

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