All you need to know about our multi-fund service

Guaranty Trust Pension Managers offer different pension fund options to match our client’s risk appetite. Depending on your risk tolerance, you can direct your pension to be conservative or aggressive investments where you can either accumulate modest returns or maximize your returns.

With these available RSA multi-fund options, everyone can invest something towards their future.

You can invest in one or more fund options we offer.

To initiate a transfer among funds, kindly fill the Multi-fund Transfer Form and upload a copy of the Interfund Transfer request letter on the form.

Fund I	Fund II	Fund III	Fund IV	Fund V	Fund VI
Aggressive	Modest	Conservative	Super-conservative	Modest	Ethical Fund
Not accessible to retirees over 50	Default RSA fund for people who are 49 and below	Default RSA fund for people who are 50 and above	Default RSA fund for retirees	For contributors in the informal sector	For non-interest/sharia-compliant contributors
Contributors over 50 can move funds to Fund II or III on request	Contributors can move funds to Fund I on request	Contributors can move funds to Fund II on request	Contributors cannot move funds	40% can be withdrawn for contingencies	Contributors can move between Fund II, III or IV
3yrs ARR= N/A	3yrs ARR= 9.41%	3yrs ARR= 8.09%	3yrs ARR= 6.96%	3yrs ARR= 10.02%	3yrs ARR= N/A
2023 Returns= 12.60%	2023 Returns= 16.22%	2023 Returns= 11.47%	2023 Returns= 10.31%	2023 Returns= 18.75%	2023 Returns= 17.39%
Admin. fee = ₦100	Admin. fee = ₦100	Admin. fee = ₦100	Admin. fee = ₦100	Admin. fee = ₦20 for contributions below ₦4,000 and ₦80 for contributions above ₦4,000	Admin fee = ₦100