Driving the Growth, Integrity and Future of Nigeria’s Pension Industry.

We serve as the collective voice, knowledge hub and catalyst for the pension industry by bringing together expertise, fostering collaboration, promoting international best practices, and championing initiatives that strengthen the industry and advance the interests of its stakeholders.
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Learn more about how you can contribute to your personal pension plan today!

Explore Personal Pension
Our Numbers from inception to August, 2026
11,320,227
CPS Contributors
₦ 2.22 Trillion
Lump Sum
844,000
Retirees
235.6 Million
Nigeria's Population
₦ 31.3 Trillion
Current AUM
40,000
Compliance Certificates
Open a Pension account
Uncredited Contribution Guide
Uncredited Contribution Employer
Uncredited Contribution Beneficiaries
PenOp 2025 Q2 Newsletter
We are pleased to share with you the latest edition of our newsletter, offering a comprehensive view of key developments and activities within Nigeria’s pension industry — from PenOp’s unique perspective.This edition captures a dynamic quarter of engagement, growth, and reflection.
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Did you know...

...that you can access 25% of your Retirement Savings Account or Personal pension Account to be used for a Mortgage.
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RSA Holders or Personal pension contributors who have consistently saved for a period of 5 years or 60 months can now have access to 25% of their savings in their RSA account to be used for the purpose of acquiring a house from a verified mortgage lender.
…that you can transfer from one Pension Fund Administrator (PFA) to another within 1 year or 365 days
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RSA Holders or Personal pension contributors can now initiate a transfer from one PFA to another through the RSA Transfer System (RTS) which is a computer-based application.
…that you can switch between the different fund structures
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The industry has 6 fund structures (with Fund II being the default fund for all RSA holders) and contributors can switch to or from one fund structure to another.
… that with a Personal pension account you are eligible for a 40% contingency withdrawal
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Personal pension is a voluntary contribution for those with less than 3 employees as well as the informal sector of the country (semi-formal, organized informal and unorganized informal).

Research

We keep you informed of all investment opportunities, guidelines and policies within the Pension Industry
Sectorial Report 2026
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Q4 2025 Pension Industry Report
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Media

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PenOp 2025 Q2 Newsletter
We are pleased to share with you the latest edition of our newsletter, offering a comprehensive view of key developments and activities within Nigeria’s pension industry — from PenOp’s unique perspective.This edition captures a dynamic quarter of engagement, growth, and reflection.
NDPR Compliance
PenOp is compliant with the National Data Protection Regulation
Pension Remittance
The new automated pension remittance for the Nigerian pension industry
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