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Frequently Asked Questions

Frequently Asked Questions

At People's Pension Trust, we strive to provide you with the best of service and education to ensure that your pension is enjoyable. 

We are hopeful that these FAQS  will provide sufficientt answers to all your questions and concerns. If however, you still need some clarification, we are on hand to assist. Do not hesistate to get in touch with us.


Failure to plan towards one’s retirement during the active work years means you will not be able to maintain a comfortable lifestyle during retirement. This may lead to old age poverty.


A pension product allows you to put money aside as often as you can, so it is easy to support yourself once you retire whereas an insurance is taken as a means of protection against the risk of a contingent, uncertain loss beyond your control.

Yes. Anyone who is above the age of 15 and 55 years and earns an income can become a member.

You can register in many ways:
• By dialing *713*111# and following the instructions.
• Vodafone Cash customers can additionally dial *461# and follow the instructions or register at a Vodafone agent point.
• On our website at
• Join a savings group
• Or call our call center on 0508938303/0548123361

Savings groups normally referred to as self-help groups can be found in the community in which you live. Some of them include:
• Unity-Ashaiman
• Nkabom-Ashaiman
• Together-Ashaiman
• Emmanuel-Weija
• GHAFET-Agbogloshie

Contribution amounts are voluntary, you can contribute as low as 1GHc. However, to have a meaningful retirement income, contribution amounts should be significant and regular.


Pensions are not taxable in Ghana. Article 199 (3) of the constitution states “the pension payable to any person shall be exempt from tax”. The income tax, 2015 (act 896) treats pension as an exempt amount under section 7(1)(d). This means any amount paid as pension shall not be taxed. (Ministry of Finance, Ghana, Press Release-1st June 2016. Ref: MOF/GA/D1/5)
However, pay-out for the formal sector before 10 years is taxed as well as before 5 years for the informal sector


Yes. Your money is safe. Pension schemes operate under the National Pensions Regulatory Act, 2008 (Act 766) and are strictly regulated by the NPRA. Investment activities are highly regulated to avoid the loss of money and to prevent fraud by the separation of investment, administration, and custody functions.

Yes, the money will be collectively invested, and members receive the returns on the investments. The goal is to maintain at least purchasing power or in other words to realize returns that are higher than inflation. This pension product does not guarantee a certain return.


You can check your expected pension amount by downloading the pension calculator on google play store. In a few easy steps, the calculator gives you an estimate of the income you will get once you retire.


Yes. Members can review their contributions as often as they wish. However, it is advisable to review it upwards as the more you save the more you get.


You can check your account statement by dialing *713*111# and following the prompts. You can also call the call center on 0508938303/0548123361 or send an email to


Yes. Members are able to withdraw 50% of their contributions after saving for 6 months

You can access your benefit once you reach the retirement age of 60 years. In case of disability, your benefit will be made available to you once you provide medical proof of your incapacity.

A member is entitled to their benefits as a lump sum at retirement.

Your contribution will be given to your stated beneficiary(s). This information should therefore be kept current as much as possible.


People’s Pension Trust has high ethical standards and handles with utmost diligence all client information in its possession. Additionally, Ghana’s Data Protection Law enjoins us to safeguard the information of our clients at all times, so clients can be assured their information will be used only for the reason it was collected.


You can send us an email at or call the call centre 0508938303/0548123361 to update your records.


No.35A Sam Nujoma Road, 
North Ridge 
Adjacent the Visa Section of the German Embassy 

T: 0302738242 



Kumasi - Mrom 

Kwame Antwi House - GPRTU Regional Office

Opp St Louis College of Education




Hse No. 42

Kaplpohine Estate





Former Cocobod

TUC Office

Close to Radio B.A.R




National Lottery Authority Building,

Esikafoambantem No. 1

3rd floor.

Opposite Bayport

0244738513; 0202075051



To communicate a complaint, please call our call centre on 0508938303/0548123361 or send us a mail at

No, we are a private trustee duly registered with the National Pensions Regulatory Authority (NPRA) to administer tier 2 and 3 pensions. SSNIT on the other hand is a government agency that administers the mandatory Tier 1 pension scheme.


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