Where Is Your Pension Money Going? This is PenOp's first Policy Initiative Report, providing a simple and transparent overview of how Nigeria's pension assets are invested. The report examines the allocation of over ₦30 trillion in pension funds, highlights key shifts in investment trends since 2017, and explores important policy questions around diversification, infrastructure investment, and contributor awareness. It aims to help pension contributors better understand how their retirement savings are managed and the role they play in Nigeria's economy.