Overview
The Axis Pension Plan is Ghana’s largest personal pension scheme, licensed in 2012 and regulated by the NPRA. Designed to help salaried workers invest for future uncertainties and retirement, this plan aims to alleviate the financial stress that many Ghanaians face. Start with as little as GHS100 and increase your contributions when your confidence increases with time. Secure your retirement with the personal pension scheme of choice for Ghanaian workers to achieve financial peace of mind.
60k+
Scheme Members
20.57%
CAGR Since Inception
400Million+ GHC
Assets Under Management
Features & Benefits
Safe & Secure Investment
Our pension plan ensures that your contributions are invested securely and effectively. With a dedicated investment team and strong risk management, your retirement savings are in safe hands, ensuring stable and reliable growth.
Free Embedded Life Insurance Cover
Included in the Axis Pension Plan is a complimentary life insurance cover. This benefit provides financial security for your loved ones, ensuring support in unforeseen circumstances, all at no extra cost.
Tax Relief on Contributions & Benefits
Enjoy tax advantages with our pension plan. Contributions are eligible for tax relief, reducing your taxable income. The benefits received at retirement are tax-efficient, maximizing your savings and keeping more money in your pocket.
24/7 Pension Account Access
Access your pension account anytime with our online platform and mobile app. Monitor contributions, track investment performance, and manage your retirement savings with real-time updates, all available 24/7 for your convenience.
How We Invest
Focus on Asset Allocation
We prioritize asset allocation in our investment strategy, which research shows drives 95% of investment outcomes.
Thorough Market Analysis
Our investment policy is shaped by detailed discussions on capital market conditions, scheme objectives and risk profiles.
Regulatory Awareness
We operate within the capital market and regulatory constraints, ensuring compliance while optimising fund performance.
Data-Driven Optimization
Our investment policy is shaped by detailed discussions on capital market conditions, scheme objectives and risk profiles.
Lifecycle Investing
Understanding that investors’ financial needs change over time, we employ a lifecycle investment approach. As participants approach retirement, we gradually shift their assets into lower-risk options, ensuring stability as they near their goals.
How Much Can I Accrue?
The amount you can accrue in your retirement savings depends on several key factors, including how much you contribute, the investment returns earned and how long your funds are invested. For a comfortable retirement, we encourage you to:
- Start Early: The earlier you begin, the more time your savings have to grow.
- Contribute Consistently: Regular contributions boost your retirement fund.
- Adjust savings to Inflation: Setting your contributions to grow in tandem with inflation better preserves purchasing power.
- Long-term horizon: The longer you invest, the more compound interest you will generate.
The table below shows projected future values of various contribution amounts invested at a modest rate of 18%.
NB: The scheme has generated an average return of 20.57% p.a. over the past decade.
MONTHY CONTRIBUTIONS
YEARS OF CONTRIBUTIONS
| 5 | 10 | 15 | 20 | 25 | 30 | 35 | |
|---|---|---|---|---|---|---|---|
| GHS 100 | GHS 9,621 | GHS 33,129 | GHS 90,562 | GHS 230,885 | GHS 573,725 | GHS 1,411,359 | GHS 3,457,881 |
| GHS 200 | GHS 19,243 | GHS 66,258 | GHS 181,125 | GHS 461,771 | GHS 1,147,451 | GHS 2,822,717 | GHS 6,915,761 |
| GHS 300 | GHS 28,864 | GHS 99,386 | GHS 271,687 | GHS 692,656 | GHS 1,721,176 | GHS 4,234,076 | GHS 10,373,642 |
| GHS 500 | GHS 48,107 | GHS 165,644 | GHS 452,812 | GHS 1,154,427 | GHS 2,868,627 | GHS 7,056,793 | GHS 17,289,403 |
| GHS 1000 | GHS 96,215 | GHS 331,288 | GHS 905,625 | GHS 2,308,854 | GHS 5,737,253 | GHS 14,113,585 | GHS 34,578,806 |
| GHS 2000 | GHS 192,429 | GHS 662,576 | GHS 1,811,249 | GHS 4,617,709 | GHS 11,474,507 | GHS 28,227,171 | GHS 69,157,611 |
| GHS 2000 | GHS 481,073 | GHS 1,656,441 | GHS 4,528,123 | GHS 11,544,272 | GHS 28,686,267 | GHS 70,567,927 | GHS 172,894,028 |
Client Reviews & Testimonials
How To Join
Use these five easy steps.
2
Fill a form to open an account
3
Our pension advisors will call to engage you
4
Start paying contributions
5
Track and monitor your investment
How To Pay Contributions
Here are several ways to contribute and save towards achieving a peaceful and stress-free financial future.
Mobile Money Via *1860#
Cash Deposit At Any Zenith Bank Branch
Online Payment Via Mobile App Or Web Portal
Fund Openness & Transparency
Axis prioritises transparency and accountability in every aspect of our operations. We believe that trust is built on clear communication, accountability and access to information, ensuring that our clients are always informed about how their funds are managed. Our commitment to transparency includes:
Value Added Services
Enjoy exclusive access to these benefits while you save for retirement with Axis Pension Trust.
Insurance Backed Pensions
Mortgages
Secured Personal Loans
What Do You Want To Do
Sign up and start enjoying the benefits of this plan. If you need further assistance, kindly click on Request a Call and our advisors will reach out shortly.
