Overview
The Cedar Pension Scheme is a Master-Trust Scheme licensed by the NPRA in 2012 to offer an economically efficient vehicle for administering the mandatory tier 2 pension contributions of workers on behalf of participating employers. The scheme offers considerable economies of scale advantages for employers of all sizes. Axis Pension Trust offering the best turnaround time, competitive returns and multi-platform accessibility to keep members up to date ably handles the day-to-day management and administration of the Fund.
Our capacity to innovate and accommodate complex benefit structures and fund rules is industry leading. Join the Cedar Pension Scheme today and enjoy peace of mind knowing the retirement of your employee savings is inexpert hands.
2,000+
Participating Employers
70,000+
Scheme Members
20.73%
CAGR Since Inception
GHS 1 Billion+
Assets Under Management
Features & Benefits
Economies Of Scale
Offers Considerable Cost Advantages For Employers Of All Sizes.
Lifecycle Investment Strategy
Accommodates Different Investment Preferences And Risk Appetites.
Investment Performance
Competitive Returns To Help Grow Your Retirement Savings.
Expert Advice
Access Personalized Advice From Our Pension Advisors.
Value Added Services
Enjoy Access To Other Financial Service Products Such As Personal Loans To Meet Your Needs.
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.
- Leverage Professional Management: Our team works to maximize returns on your investments while managing risks.
Find below a table showing historical performance of the scheme from inception to date.
| Retirement Plans Against Benchmarks | 3-Years CAGR | Since Inception CAGR | Cumulative Returns Since Inception |
|---|---|---|---|
| Moderately Aggressive Retirement Plan | 22.77% | 19.47% | 607.7% |
| Moderately Conservative Retirement Plan | 22.91% | 20.76% | 696.1% |
| Conservative Retirement Plan | 22.95% | 21.56% | 756.6% |
| Average Scheme’s Return | 22.74% | 20.73% | 700.3% |
| Inflation Benchmark | 27.82% | 16.68% | 445.6% |
| US Dollar | 20.03% | 17.92% | 419.7% |
What Our Corporate Clients Are Saying
How To Join
Use these five easy steps.
1
Click Enrol Now and fill the form
2
Open Employer Account
3
Enrol Employees by submitting personal and employment details
4
Make regular contributions to your employees' accounts
5
Track investment growth and manage your account online
How To Pay Contributions
Here are several ways to contribute and save towards achieving a peaceful and stress-free financial future.
Online Payment Via Client Web Portal
Mobile Money or Telecel Cash via *1860#
Cash Deposit At Any Zenith Bank Branch
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.
Complimentary Payroll System
Insurance Backed Pensions
Mortgages
Secured Personal Loans
Request A Proposal
Getting Started
Click on Enrol Now or Schedule a meeting with our pension advisors to learn more about the Cedar Pension Scheme and how it can benefit your organization and employees.
