Pension Remittance In Nigeria: Your 2026 Ultimate Guide
The “Phantom Deduction” CrisisThis is one of the most disheartening experiences for a Nigerian professional: getting your monthly payslip, seeing the 8% pension deduction clearly stated, but realizing your Retirement Savings Account (RSA) remains stagnant. In Nigeria’s current economic climate, where inflation makes every Naira count, a missing pension isn’t just an administrative error—it is […]
You Are The Only Person Who doesn’t Have a Pension Plan
Think about the last time you sat down to run payroll. You ensured the rent for the office was cleared. You made sure the vendor for that last project was settled. If you have a small team, you ensured their salaries hit their accounts right on time. Then there’s you. You take what’s left. You […]
How the Contributory Pension Scheme (CPS) Was Designed to Protect the Nigerian Worker
For decades, retirement in Nigeria was often associated with uncertainty rather than peace of mind. Many workers who had spent years contributing to national development found themselves struggling to access their retirement benefits. Under the old Defined Benefit pension system, commonly known as the Pay-As-You-Go model, retirees depended heavily on government budgets to receive their […]
A Career Break Shouldn’t Break Your Retirement Plan: A Guide to Retirement Planning for Women
For many women, taking a career break is part of life. Sometimes it’s to care for family. Sometimes it’s to start a business, pursue further education, recover from burnout, or navigate personal transitions. Life is dynamic, and women often move through multiple roles and responsibilities over time. But while careers can pause, time doesn’t. And […]
The 2025 Year-End Pension Checklist: 5 Smart Moves to Make Before December 31st
As 2025 winds down, our calendars fill up with holidays, family gatherings, and plans for the new year. It’s a time of reflection. But while you’re reviewing the past year, have you thought about your most important long-term investment—your pension? For many, a pension is a “set it and forget it” account. Your contributions are […]
A Nigerian’s Guide to Voluntary Contributions: How to Supercharge Your RSA
Every month, you and your employer contribute a percentage of your salary to your Retirement Savings Account (RSA). This is the foundation of your future financial security. But what if you could do more? What if there was a way to actively accelerate the growth of your retirement pot, giving you more options and a […]