CAL Asset Pension funds - Pension Funds in Ghana
Our pension fund management services cut across Tier 2 and Tier 3 pension schemes.
The Tier 2 pension scheme is a mandatory monthly contribution of 5% on the basic salary of all employees in Ghana.

It is a defined contribution scheme which is tax-exempt and privately managed by service providers such as Corporate Trustees, Custodians and Pension Fund Managers licensed by the National Pensions Regulatory Authority (NPRA). Under this scheme, the contributors’ benefit consists of the member-contributions and the investment returns generated over the period.

Tier 3 is a defined contribution scheme and is privately managed by NPRA licensed service providers. The Tier 3 Pension Scheme is an optional contributory scheme with monthly contributions of up to 16.5% of the employee's basic salary. Informal sector workers can opt for a personal pension.