Fund I (Aggressive): ₦4.8214 +0.42% Fund II (Balanced): ₦3.9542 +0.28% Fund III (Conservative): ₦3.4580 +0.12% Fund IV (Retiree): ₦2.8105 +0.05% Fund V (Personal Pension): ₦1.9840 +0.35% Fund I (Aggressive): ₦4.8214 +0.42% Fund II (Balanced): ₦3.9542 +0.28% Fund III (Conservative): ₦3.4580 +0.12% Fund IV (Retiree): ₦2.8105 +0.05% Fund V (Personal Pension): ₦1.9840 +0.35%
₦140 Billion+Assets Under Management
480,000+Registered Contributors
99.8%Prompt Benefit Payout

Investment Thesis & Tailored Solutions

Driving long-term capital preservation, societal inclusion, and premium wealth accumulation across Nigeria's contemporary pension landscape.

Personal Pension Plan (PPP)

Bridging the pension inclusion gap. We provide micro-contributions, flexible investment cycles, and structured savings paths tailored for the informal sector, freelancers, and small business operators.

Ethical & Non-Interest Funds

Investing with integrity. Operating under strict alignment with ethical guidelines, we manage dedicated, socially responsible portfolios that avoid speculative interest debt instruments.

Technology-Driven Operations

Seamless digital touchpoints. Utilizing biometric-enabled enrollment, real-time contribution tracking portals, and automated payouts, we guarantee secure, transparent operations.

Retirement Savings Account (RSA)

The core contributory pension plan for public and private sector employees. Safe custody, capital protection, and consistent dividends as mandated by PenCom guidelines.

Personal Pension Plan (PPP)

Formerly Micro Pension. Tailored for traders, artisans, freelancers, and small business owners in the informal market under the latest guidelines.

Voluntary Contribution (AVC)

Complement your regular RSA contributions with supplementary savings. Enjoy tax-free investment growth, flexible withdrawals, and enhanced payouts.

Plan Your Future Capital

Adjust the inputs below to see your potential pension growth over time.

Retirement Wealth Planner

Adjust the sliders below to simulate your future wealth growth under the PenCom Multi-Fund investment structure.

Current Age 25 Years
Target Retirement Age 60 Years
Monthly Basic Salary ₦250,000
Existing RSA Balance ₦1,000,000
Voluntary Contribution (AVC) 5% of Salary

Mandatory Contribution Note: PenCom guidelines require a minimum of 18% contribution (8% Employee portion + 10% Employer portion). Voluntary contributions (AVC) can be added to maximize compound growth.

Projected Value ₦0.00
Monthly Payout ₦0.00

Accumulated Plan Breakdown

Your Contributions:₦0.00
Employer portion:₦0.00
Compound Interest: ₦0.00
Compounding Trajectory Over Time
Age 25 Age 42 Age 60

Consistent Asset Value Growth

Review historical Net Asset Value (NAV) price performance of our pension funds over the last 18 months.

Historical NAV Growth

Track the performance of PenAm pension funds over time.

Active Fund Class

Fund I (Aggressive)

Latest Unit Price
₦4.8214 +0.42%
Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026
Investment Strategy

Fund I

Heavy focus on equities (up to 75%) and high-yield infrastructure assets. Ideal for younger demographics looking to leverage long-term market trends to accumulate compound wealth.

Equities Cap:Up to 75%
Risk Level:High Risk / High Return
PenCom Structure:Multi-Fund Category I
View Asset Allocation
PenAm Mobile

Manage your pension on the go

Check your RSA balance, download statements, and track your fund performance anytime with the official PenAm mobile app.

Download on theApp Store Get it onGoogle Play
Regulatory Oversight

Official Governing Pension Bodies

PenAm operates strictly under the regulatory supervision and guidelines of federal pension authorities.

PenCom Logo

PenCom

National Pension Commission
PenOp Logo

PenOp

Pension Fund Operators Assoc.