Secure YourFinancial Future
Standard Pensions Trust is a Ghanaian corporate trustee licensed by the NPRA under Act 766, administering Tier 2 and Tier 3 pension schemes for over 150,000 members.
Our Pension Schemes
Four schemes covering both tiers of Ghana's pension system — mandatory Tier 2 for formal-sector workers, and voluntary Tier 3 for anyone who wants to save more.
Master Trust
A multi-employer pension scheme designed for organizations looking for a comprehensive retirement solution.
- •Superior investment returns on pension contributions.
- •Assignment of Tier 2 to secure a primary residential facility.
- •Discounts granted on insurance cover with Best Assurance.
Personal Pension
Individual pension plans for self-employed professionals and those seeking additional retirement security.
- •Open to Both Formal and Informal Sectors
- •Tax Reliefs & Exemptions
- •Flexible Contributions
- •Enhanced Retirement Benefits
Provident Fund
A savings scheme where both employers and employees contribute to build a retirement fund.
- •Designed for Formal Sector Workers
- •Tax Reliefs & Exemptions
- •Regulated by NPRA
- •Tax Reliefs & Exemptions
Employer Sponsored
Customized pension schemes designed specifically for your organization's unique needs.
- •Full Ownership by Employers
- •Corporate Trustee Advantage
- •Customizable Fee Structure
- •Trustee Services for Tier 2 & Tier 3 Schemes
Which Pension Scheme Is Right for You?
Ghana's formal-sector workers contribute 18.5% of basic salary across Tiers 1 and 2. Tier 3 is voluntary. Here is how our four schemes compare.
| Scheme | Tier | Who it's for | Contributions | Tax treatment |
|---|---|---|---|---|
| Master Trust | Tier 2 (mandatory) | Organizations wanting a ready-made multi-employer scheme | Employer-remitted, 5% of basic salary | Tax-exempt contributions and returns |
| Employer Sponsored | Tier 2 & Tier 3 | Employers wanting a scheme they own and customise | Set by the employer, with optional employee top-ups | Tax-exempt within NPRA limits |
| Provident Fund | Tier 3 (voluntary) | Formal-sector workers saving above the mandatory tiers | Joint employer and employee contributions | Tax reliefs and exemptions |
| Personal Pension | Tier 3 (voluntary) | Self-employed and informal-sector workers | Flexible — you choose the amount and frequency | Tax reliefs and exemptions |
How Standard Pensions Trust Manages Your Retirement Savings
We administer pension schemes on behalf of members and employers across Ghana: collecting contributions, investing them under NPRA regulation, and paying out benefits at retirement. Members can track contributions, project future benefits, and file claims through our online portal and mobile app.
How to Calculate Pension in Ghana
Enter your age, salary and contribution rate, and our calculator projects your lump sum and monthly pension at retirement based on current NPRA contribution rates.
Investment Planning in Ghana
Diverse pension fund investment options Ghana tailored to your risk profile and retirement timeline. Expert wealth management Ghana services for optimal retirement wealth building.
Ghana Pension Fund Performance
Transparent reporting and real-time access to your pension fund management Ghana performance with comprehensive investment tracking.
Self-Service Portal
24/7 access to your pension information through our secure member portal.
Manage Your Pension Anytime, Anywhere
Download the Standard Pensions app to track your contributions, monitor fund performance, and plan your retirement — all from the palm of your hand.
Ready to Start Planning for Retirement in Ghana?
Join thousands of Ghanaians who trust Standard Pensions Trust for their retirement planning. Discover the best pension plans for Ghanaians and secure your retirement future in Ghana.
What Our Clients Say
Hear from businesses and individuals who have transformed their retirement planning with Standard Pensions Trust.
Our Blog
Discover insights, news, and updates from our team.
Tailored to meet your pension needs
We believe everyone deserves a retirement plan as unique as they are. Let us customize a solution for you.
Your Retirement Plan
Take control of your financial future. Our structured approach helps you build the cushion you need for a comfortable and secure retirement.
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WHY CHOOSE US
Why Standard Pensions Trust is The Right Choice for You
Control Systems
We have in place rigorous internal control systems as we recognize this as vital for our survival in the fiduciary services business
Good Investments
Our investment team has extensive experience and analytical methodologies to actively identify and exploit investment opportunities as they arise.
IT Platform
We have a top-of-the-range IT platform to improve the efficiency with which we deliver our services, with the use of Web and Mobile Technology as well as USSD.
Client Involvement
At Standard Pensions Trust Limited, putting the client at the heart of everything we do is not just a statement—it's our practice and promise. As a licensed corporate trustee under NPRA, we go beyond standard stewardship to engage with you through a truly customer-centered approach.
We invest time to learn your unique financial goals and retirement aspirations—whether you're an employer designing a Tier 2 or Tier 3 scheme, or an individual planning your personal pension. This enables us to craft solutions that genuinely reflect your priorities.
We believe in building lasting relationships through transparency, dedication, and personalized service that puts your financial goals at the center of everything we do.
OUR PARTNERS
Trusted by Leading Corporate Partners
We collaborate with industry leaders to provide comprehensive pension solutions and enhance value for our members.
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