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The Secure Pensions Occupational Master Trust Scheme (SPOMTS) is established as an open-ended multiple employer Tier 2 pension scheme registered under the National Pensions Act, 2008 (Act 766) as amended.

1. It is mandatory for all employers by law
2. The contribution rate is 5% of the employee’s basic salary
3. Contributions to the scheme are tax exempt
4. Lump sum benefits are paid based on a defined contribution formula.
5. Contributors may choose from a bouquet of investment products under the scheme namely the Growth Fund, the Balance Fund or the Income Fund, depending on their risk personality and retirement horizon

The Secure Pensions Provident Fund Master Trust Scheme (SPPFMTS) is as an open-ended multiple employer tier 3 pension scheme registered under the National Pensions Act, 2008 (Act 766) as amended.

1. It is voluntary for employers and their employees
2. Contributions up to 16.5% of the employee’s basic salary may be made pre-tax towards the Scheme
3. It provides contributors with additional lump sum retirement benefits based on a defined contribution formula
4. Contributors may choose from a bouquet of investment portfolios which have been designed to cater for their different risk personalities and retirement horizons.
5. A withdrawal made before the tenth anniversary of a member’s first date of joining the Scheme and before retirement is subject to tax at 15%

The Secure Pensions Personal Pension Scheme (SPPPS) provides the perfect long-term savings and investment scheme to safeguard your future. This is a voluntary contributory scheme that allows you to make periodic contributions. Retirement is inevitable and it is prudent to plan for it in order to enjoy a comfortable future.