Fund I: Aggressive Growth (Active Choice)

RSA holders aged 49 and below who are comfortable with higher risk for potentially higher long-term returns.

You must actively choose to join this fund. It invests more in variable instruments (like shares) that can offer higher growth.

Higher. Suitable if you have a long time until retirement.

Maximize long-term returns.

Fund II: Balanced Growth (Default for Younger Savers)

This is the default fund for RSA holders aged 49 and below; however, clients above 50 years of age with a high-risk appetite, who are not retired, may also participate in this fund.

Offers a balanced approach, investing in a mix of growth assets (like shares) and more stable, fixed-income assets.

Medium. Aims for steady growth over time.

Achieve competitive returns while managing risk.

Fund III: Conservative Growth (Default for Older Savers)

This is the default fund for RSA holders aged 50 and above

Focuses more on protecting your savings as you get closer to retirement by investing more in lower-risk, fixed- income assets.

Lower to Medium. Aims to preserve capital and provide stable returns.

Safeguard accumulated savings while still aiming for some growth.

Fund IV: Retirement Fund (For Retirees)

RSA holders who are retired and drawing their pension through Programmed Withdrawal.

This fund is very conservative, designed to protect your savings and provide a steady income during retirement. It has minimal exposure to high-risk investments.

Lowest. Focuses on capital preservation and income generation.

Provide stable, regular income in retirement.

Fund V: Micro Pension Fund (For the Informal Sector)

Self-employed individuals and those in the informal sector participating in the Micro Pension Plan.

Offers flexible contributions and a conservative investment approach to protect savings. Allows for contingent withdrawals.

Low. Designed for capital preservation and accessibility.

Encourage savings and provide financial security for micro- entrepreneurs.

Fund VI: Non-Interest Fund (Active Ethical Choice)

RSA holders (both active contributors and retirees) who want their pension contributions invested in line with non- interest (Shari'ah- compliant) finance principles.

You must actively choose this fund. Investments are made in ethical, Shari'ah- compliant, and non- interest-bearing assets.

Varies based on asset allocation within ethical guidelines (can include variable instruments like Sharia-compliant shares).

Provide competitive returns while adhering to non-interest financial principles.