Pension and provident funds, professionally managed.

Union Capital manages Tier-2 and Tier-3 pension schemes and provident funds, with trustee support and reporting aligned to Ghana's pensions framework.

In short

We manage Tier-2 and Tier-3 schemes and provident funds — supporting trustees with investment policy, compliance reporting and employer onboarding, all built for the long horizon of retirement savings.

What it covers

End-to-end scheme management.

Tier-2 schemes

Professional management of mandatory occupational pension schemes.

Tier-3 schemes

Voluntary schemes with flexible design and contribution structures.

Provident funds

Employer-sponsored provident fund management aligned to staff needs.

Trustee support

Investment policy guidance and NPRA-aligned performance and compliance reporting.

Employer onboarding

Smooth set-up and transition for new and migrating schemes.

Member reporting

Clear, regular statements that members and trustees can understand.

Questions

Pensions, answered.

What is the difference between Tier-2 and Tier-3?

Tier-2 is the mandatory occupational pension scheme; Tier-3 is voluntary, offering more flexibility in design and contribution. Both can be professionally managed by Union Capital.

Do you support pension scheme trustees?

Yes. We provide trustee support including investment policy guidance, performance and compliance reporting aligned to NPRA expectations, and employer onboarding for new schemes.

How often is a scheme reviewed?

We recommend a full investment-policy review at least annually, with quarterly performance and compliance reporting in between.

Are pension funds regulated?

Yes. Pension and provident fund management is regulated by Ghana's National Pensions Regulatory Authority (NPRA). Registration details are pending client confirmation.

Talk to our pensions team

Book a conversation about your scheme or provident fund.

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