Retirement Savings

Tier 3 Pensions Via Chat

Build your retirement savings with Ghana's voluntary Tier 3 pension scheme. Flexible contributions, tax benefits, and the freedom to access 50% after just 6 months.

What is Tier 3 Pension?

A voluntary, long-term retirement savings plan regulated by the National Pensions Regulatory Authority (NPRA) of Ghana

Key Features

Voluntary Contributions
Save at your own pace. Contribute anytime via chat
Tax Benefits
Enjoy tax relief on contributions under Ghanaian law
Portable
Your pension stays with you, regardless of job changes
Investment Growth
Your contributions are invested to grow over time

NPRA Regulated

Fully compliant with Ghana's pension laws

Powered by

People's Pension Trust

NPRA Licensed & Regulated
Unique Feature

Flexible Access to Your Money

After just 6 months, you can withdraw 50% of your pension savings while the other half continues to grow for your retirement.

Access 50% After 6 Months
Use it for emergencies, business opportunities, or personal needs
50% Continues Growing
The remaining half stays invested for your retirement future
Keep Contributing
Continue building your retirement fund at your own pace

How It Works

1
Save for 6 months
Make regular contributions
2
Withdraw 50%
Access half of your savings
3
50% Keeps Growing
Investment continues for retirement

Why Choose Naa Sika for Pensions?

Chat-Based

Manage your pension through WhatsApp, Telegram, or USSD. No paperwork, no office visits.

Flexible Contributions

Save when you can, as much as you want. Daily, weekly, or monthly - you decide.

Investment Returns

Your pension funds are professionally invested to maximize growth for your retirement.

Regulated & Secure

Licensed pension fund managers and full NPRA compliance for your protection.

Track Your Growth

Check your pension balance and investment performance anytime via chat.

Early Access Option

Unique 50% withdrawal after 6 months gives you flexibility traditional pensions don't offer.

How to Start Your Pension

Simple steps to secure your retirement

1

Start Chat

Message us on WhatsApp, Telegram, or dial *426*26#

2

Choose Plan

Select your contribution amount and frequency

3

Start Saving

Make your first contribution and watch it grow

4

Track Growth

Monitor your pension balance and returns via chat

A Coin A Day Builds Your Future

See how small, regular contributions grow over time

GHS 5/day
Daily Contribution
After 6 months ~GHS 900
Can withdraw GHS 450
Keeps growing GHS 450
GHS 10/day
Daily Contribution
Popular
After 6 months ~GHS 1,800
Can withdraw GHS 900
Keeps growing GHS 900
GHS 20/day
Daily Contribution
After 6 months ~GHS 3,600
Can withdraw GHS 1,800
Keeps growing GHS 1,800

* Figures are approximate and exclude investment returns. Actual amounts may be higher due to investment growth.

Who Should Save for Pensions?

Self-Employed & Entrepreneurs

If you're self-employed, you don't have employer pension benefits. Tier 3 gives you the security of retirement savings with the flexibility your business needs.

Salaried Workers

Already contributing to Tier 1 and 2? Add Tier 3 to boost your retirement savings and enjoy tax benefits while building extra financial security.

Market Vendors & Traders

Build retirement security from your daily earnings. Save small amounts regularly and watch them compound into a comfortable retirement fund.

Young Professionals

Start early and benefit from compound growth. The flexibility to access 50% after 6 months helps with life's unexpected needs.

Powered by

People's Pension Trust

Naa Sika partners with People's Pension Trust, an NPRA-licensed pension fund manager, to provide secure, regulated Tier 3 pension schemes. Your funds are managed by professionals with strict regulatory oversight.

NPRA Licensed
Fully Regulated
Professionally Managed

Start Building Your Retirement Today

A coin a day creates a secure tomorrow. Start your Tier 3 pension with as little as GHS 5 per day.

Start on Telegram Start on WhatsApp
Or dial *426*26# on any phone