Contact – Pensions Alliance Trust Limited

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Kumasi Office

Takoradi Office

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We are a licensed Trustee company with expertise in managing Tiers 2 and 3 Pension schemes.

REGULATED BY THE NATIONAL PENSIONS REGULATORY AUTHORITY

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DIASPORA PENSIONS

Background:

Pensions serve as a significant revenue stream for retired individuals and a means of conserving for the employed. Nevertheless, a significant number of diasporas, including Ghanaians, lack access to sufficient pension plans in their country of origin. This is because they frequently reside in other nations without saving for retirement in their native country but prefer to spend retirement in their home country.

Solution:

In our quest to secure the future of Ghanaians abroad, Pensions Alliance Trust following Ghana’s National Pensions Law (Act 766) has specifically formulated a voluntary contribution under our tier 3 with diasporas in mind.

The Ghanaian Diasporas Pension Plan is a personal pension scheme designed for Ghanaian diasporas, individuals who have emigrated from Ghana but maintain familial connections back home. Ghanaians residing overseas will receive retirement and financial security through this initiative. The funds can be allocated towards diverse objectives, such as providing financial assistance to family members, planning for an entrepreneurial venture, or financing personal growth initiatives.

Target Audience

Ghanaians Resident Abroad

Eligibility Requirements

Valid identity documents- Ghana card, International Passport.

Complete enrollment form.

Benefits

A multitude of advantages can be derived from Tier 3 contribution for diaspora communities. These include:

Portability: The portable nature of Tier 3 pensions enables participants to participate from any location (country). This is crucial for diasporas, given that they frequently relocate.
Adaptability: Tier 3 pensions afford members the freedom to determine their investment preferences and the amount they wish to contribute. This is crucial for diasporas, whose financial requirements frequently vary.
Attending to the needs of loved ones and family members back home.
Outstanding returns on investment
Easy access to contribution statements i.e., via PAT Mobile App on android and iOs and Online Member portal

Conclusion

Our concern as a company is to ensure a comfortable life after retirement for our clients and for this reason, all the other state-of-the-art products of the company are designed with this in mind including the Diaspora Pension Scheme.

The benefits are enormous. It is adaptable, portable, and tax efficient. They can thus assist diasporas in saving for retirement and attaining their financial objectives.

PENADOPT/PENSIONS ADOPT

Investing in the future of a child or relative (father, mother, uncle, sibling, or friend) with a low or nonexistent income is a wonderful gift. Not only can children begin their adult lives or retirement with savings, but early involvement in savings and wealth accumulation can also help them learn valuable financial principles.

The financial security of your child or a less fortunate relative in old age may not be the first thing that comes to mind when considering the various savings options. People save for a variety of objectives, including education, marriage, and financial security, but each objective may have a distinct time horizon. Early pension savings for a child or relative is the finest gift you can give them among all investment options. It functions as a foundation for a child to build upon when they are old enough to enter the workforce. It will increase the elder relative’s financial security in old age.

PENADOPT/PENSION ADOPTION is the optimal investment to assure the long-term financial security of your family. Enroll your loved ones in Pensions Alliance’s Wealth Builder Program immediately to help them manage life’s many risks and uncertainties.

PENADOPT/PENSION ADOPTION is a product under the Pensions Alliance Enidaso Wealth builder Program that allows individuals to increase the financial security of their loved ones by enrolling them in either an Early Bird Contributor or Save My Loved One Contributor Fund.

PENADOPT possesses the following attributes

An early start advantage for your child
Decreased reliance on you by relatives
Retirement security for relatives (wife, siblings, uncle, aunt, parents).

Advantages of PENADOPT

- Above average investment return
- Beneficiary receives a lump sum payment
- Beneficiary is advised to purchase an annuity and has access to post-retirement assisted living communities upon request (e.g., lodging for the elderly and medical expenses)
- Beneficiary enjoys PENSURE
Reduce the financial burden caused by dependent relatives, plan for the future of your family members.
PENADOPT !!!.... PREDICT AND SECURE THE FUTURE.

ENIDASO WEALTH BUILDER

The PAT wealth builder is a product developed by Pensions Alliance Trust and its partners as an enhanced personal pension plan. It provides you the flexibility to save toward your personal pension, financial objective or a particular goal (be it: Building Your Dream House, Education, Wedding, Business Capital, etc). This product is to complement the mandatory Tier 2 and also to ensuring retirement income security. This product was design to aid both the Inform and the Formal sector workers.

FEATURES AND BENEFITS OF PAT ENIDASO WEALTH BUILDER

SAFE AND UNPARALLELED RETURNS

We achieve this by working with top service providers(custodians and fund managers),undertaking rigorous analysis of the market and employing adequate control measures to ensure funds are in safe hands
The wealth builder target returns which is higher than the 365 day treasury bill
PAT Wealth builder is regulated the National Pensions Regulatory Authority.

MINIMUM DEPOSIT REQUIRED

A minimum deposit of GHC500 is required as initial deposit

QUALITY CUSTOMER CARE

Check contribution on PAT mobile on Android or iOS 24/7 or the online portal
Receive SMS Alert each time your account is credited
Receive quarterly statement via email

INVESTMENT ADVISORY

We offer free investment advisory services to guide you to diversify your investment and maximize your returns to ensure the future is indeed secured

OTHER BENEFIT(S)

Enjoy a free Life insurance (Death & Disability) and Hospitalization cover