Micro Pension Account

Retirement should be a time of comfort, not concern. But for millions of hardworking Nigerians in the informal sector: traders, artisans, professionals, and small business owners, the security of a pension has long seemed out of reach. Not anymore.

“With the Micro Pension Plan (MPP), financial freedom in retirement is no longer reserved for corporate employees.”

This plan is designed for you, the self-employed, the hustlers, the backbone of our economy giving you the power to build your future, one contribution at a time.

Why Micro Pension?

Many people spend their working years focused on today, unaware that tomorrow will always come. The Micro Pension Plan ensures that when that day arrives, you are prepared. It provides a steady stream of income in retirement, shielding you from financial insecurity.
At Citizens Pensions, we believe every worker deserves dignity in retirement, regardless of profession or income level. That’s why we make it easy, flexible, and accessible for you to start saving today because your future is worth it.

How It Works

Your contributions are divided into two portions:

40% Contingent Portion

Available for withdrawal after three months, giving you access to funds when needed

60% Retirement Benefit

Reserved to secure your future, ensuring a comfortable retirement.

Once you reach age 50, or if you retire due to health reasons, your pension benefits become available because peace of mind should never be out of reach.

Who Can Join?

If you are self-employed or work in a business with fewer than three employees, this plan is for you! Whether you are a trader, artisan, freelancer, ride-hailing driver, fashion designer, or professional, you now have the opportunity to secure your retirement.

Take Control of Your Future Today!

The best time to start was yesterday. The next best time is NOW. Open your Micro Pension Account with Citizens Pensions and take a bold step towards financial security. Your future self will thank you.
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