Multi-Fund
The National Pension Commission (PenCom) introduced and released Guidelines on investment of Pension Fund Assets in a Multi-Fund Structure that replaced the previous structure that put funds for all active contributors into one RSA Fund without considering age or risk profile of the contributors under the Fund.
The Multi-Fund Structure, also known as the Life-Cycle Investment Structure, was conceived by the Commission to align contributors’ risk appetite with their investment horizon at each stage of their life cycle.
The Multi-Fund Structure
At Citizens Pensions, we recognize that no two individuals are the same, so why should their retirement plans be?
The Multi-Fund Structure is a revolutionary approach to pension Fund Management, designed to adopt a lifecycle investment strategy, where asset allocation changes as contributors age. Younger individuals may have a higher allocation to equities, while older individuals may shift towards safer investment as they approach retirement.
By aligning your pension contributions with your risk appetite and investment objectives, we ensure your retirement savings are not just protected but also positioned for sustainable growth.
Overview of the Funds
| Fund I | Designed for proactive wealth builders aged 49 and below. Highest exposure to growth-oriented investments. Available only to those who actively opt in. Retirees and individuals above 50 are not eligible. |
| Fund II | Default fund for active contributors aged 49 and below. Balances growth and risk with moderate exposure to higher-yield investments. Ideal for long-term steady capital appreciation. |
| Fund III | Tailored for active contributors aged 50 and above. Strong emphasis on capital preservation and reduced exposure to high-risk assets. Provides financial security nearing retirement. |
| Fund IV | Designed for retirees. Low-risk, prioritizes capital protection and stable income. Ensures a secure and comfortable lifestyle post-retirement. |
| Fund V | Specially designed for self-employed individuals and others outside the CPS. Flexible pension solutions for business owners, artisans, and entrepreneurs. Empowers contributors to build a secure future at their own pace. |
| Fund VI | Ethical pension fund based on Shariah-compliant principles. Avoids interest-based investments. Provides financial stability and peace of mind for contributors who prefer ethical investments. |
Our Commitment
At Citizens Pensions, we understand that your financial journey might be rough, but we’re here to provide guidance, support, and tailored solutions to help you navigate the challenges and achieve your retirement goals with confidence.
