national pensions regulatory authority
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the national pensions regulatory authority (npra) would set its benchmark for assessing a pension fund manager .
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the national pensions regulatory authority was established by act 766 to regulate and monitor the operations of the three –tier scheme to ensure effective administration .
administer and invest funds of the scheme under general directions of board of trustees and approved by the national pensions regulatory authority (npra) .
the national pensions regulatory authority (npra) has appointed mr kofi anokye owusu - darko, a chartered professional administrator, as acting chief executive officer .
the national pensions regulatory authority (npra) has noted with concern, the ongoing discussion in the media, about the safety of th ...
in recognition of their exceptional corporate governance structures and transparency shown in the administration of their pensions schemes, enterprise was awarded pension trustee board of the year the national pensions regulatory authority at the event conferred on three corporate trustees including enterprise trustees the award of most transparent pensions company of the year .
data from the pensions sector regulator, the national pensions regulatory authority (npra), showed that of the gh¢8. 3 billion, some gh¢2. 7 billion, made up of contributions and returns, was still lodged at the tpfa, awaiting transfer to the various trustees .
enterprise trustees is one of the first corporate trustees to be licensed by the national pensions regulatory authority following the promulgation of the national pension law 2008 act 766. it received certificate to commence business on 9 th november 2010 and received operating license from npra on 10 th april 2012 .
according to sam pee yalley, chief executive officer (ceo) of the national pensions regulatory authority (npra), as many as 26, 401 employers have intentionally disregarded directives by npra to pay their workers' pension contributions .
the scheme is administered by a trust and contributions received from individuals into the pension scheme are invested per scheme’s statement of investment policy and in line with national pensions regulatory authority guidelines. the scheme pays out lump sum benefits at retirement .
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act 766 makes provision for a contributory 3 - tier pension scheme and the establishment of a national pensions regulatory authority (npra) to oversee the administration and management of the pension schemes. under the act, ssnit is to manage the basic national social security scheme referred to, as the 1st tier of a contributory 3 - tier scheme .
the national pensions regulatory authority (npra), by regulations and guidelines would put in place pre - emptive measures to protect the contributor' s funds to avoid loss. however, approved trustees would have the fiducial responsibility to ensure that investments are diversified and within the permitted investment .
the transaction is subject to regulatory approvals and notifications in ghana and south africa .
mr tsheole is currently a member of the african securities exchanges association (asea) executive committee, and sits on the following boards; botswana accountancy oversight authority, medicines regulatory authority of botswana, achap botswana and achap international .
interested and qualified persons should forward their applications, together with their curriculum vitae and photocopies of their certificates to the under - mentioned address. the chief executive officer national pensions regulatory authority p. o. box gp 22331 accra onwona house kanda highway - accra closing date: 22 september, 2017
interested and qualified persons should forward their applications, together with their curriculum vitae and photocopies of their certificates to the under - mentioned address. the chief executive officer national pensions regulatory authority p. o. box gp 22331 accra onwona house kanda highway - accra closing date: 22 september, 2017
the national pension scheme authority (napsa) was established in february 2000 by the national pension scheme act no. 40 of 1996 of the laws of zambia. thisfollowed the closure of the zambia national provident fund (znpf) after the responsible act under which it was formed was repealed .
the national commission on culture was established in 1990 by provisional national defense council law 238 to manage from a holistic perspective, the cultural life of the country. in the execution of the aforementioned, the national com…
following the end of the tenure of mr. david bonyi as chief executive officer of the uganda retirement benefits regulatory authority, the board of directors [ … ]
enterprise trustees limited received operating license from national pensions regulatory authority on 10th april 2012. three years into its operations enterprise trustees limited, the pensions subsidiary of the enterprise group limited on the day was adjudged 100 th in the elite league and the second fastest growing company in the league. this makes enterprise trustees the first and only pension corporate trustee in this prestigious club .
subsequently, ssnit also gives 2. 5% out of the 13. 5% to the national health insurance authority (nhia) for the member’s health insurance .
don’t include personal or financial information like your national insurance number or credit card details .
npra educate board of trustees of the four public sector schemes on pensions adminstration .
workplace pensions law has changed and every employer must comply. find out more .
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the social security and national insurance trust (ssnit) is a statutory public trust charged under the national pensions act 2008 act 766 with the administration of ghana’s basic national social security pension scheme and to cater for the first tier of the contributory three - tier scheme. the trust is currently the largest non - bank financial institution in the country .
our objectives the object of the national communications authority is to regulate the provision of communications services in the ghana. mission is to regulate the communications industry by setting and enforcing high standards o…
• to provide technical, operational and administrative leadership in regional / zonal operations of the authority .
an act to amend the national pensions act 2008 (act 766) to reduce the age for exemption from the first tier scheme, act 766 and to provide for related matters .
social security and national insurance trust manages the 1 st tier of the 3 tier pension scheme .
national pension review the pensions board was requested by the minister to bring forward to 2005 the report on coverage and associated matters required under legislation which was to be completed by september 2006; the report to examine alternative pension systems to the present one and to make proposals designed to provide an adequate retirement income for all. in response to this request, the board has initiated the national pensions review which includes :
it is a second tier scheme structured to conform to requirements of the national pensions act, 2008 (act 766). this will enable members to enjoy the tax reliefs and other benefits provided under the pensions act 766. the scheme is an employer sponsored scheme set up to cover all health sector employees .
the social security and national insurance trust (ssnit) is currently charged with the administration of ghana’s basic national social security scheme. its mandate is to cater for the first tier of the three - tier pension scheme .
under section 55 (1) of the pensions act, the administrative expenses of ssnit would be subject to a maximum limit. the authority would effectively monitor ssnit to ensure that its expenses are within the prescribed limit .
axis pensions group, is headquartered in accra, ghana. we offer retirement savings products and fund ...
about the pensions board the pensions board is the statutory body set up to regulate occupational pension schemes and prsas and to advise the minister for social and family affairs, and through him, the government, on overall pension policy development .
although relatively new, more businesses have taken advantage of the tiered nature of the pensions industry to set up institutions .
the pension fund regulatory & development authority act was passed on 19th september, 2013 and the same was notified on 1st february, 2014. pfrda is regulating nps, subscribed by employees of govt. of india, state governments and by employees of private institutions / organizations & unorganized sectors .
the botswana financial reporting act of 2010 empowers the authority to inspect files of auditors of public interest entities periodically to show compliance with auditing standards .
enterprise trustees is the market leader of the pensions industry with assets in excess of gh⊄1b and leads the private pensions market with a market share of 28. 5% . enterprise trustee is the first and only corporate trustee in the prestigious ghana club 100 .
the vision to start a thriving pensions management services company was conceived by its co - founder, afriyie owar ...
over the years, concerns have been raised and agitations made by public servants over inadequacies of the level of pensions to sustain a respectable life for retired public servants. of particular concern to most workers’ groups has been the low pensions received by workers... | readmore
mr ramasedi has served in a number of organisations as a board members. he is currently in the executive committee of the international organisation of pensions supervisors (iops), the board of the botswana accountancy oversight authority (baoa), and that of the botswana retired nurses society (bornus) .
enterprise group limited has sold a 40% minority stake in its subsidiary enterprise insurance company limited, to sanlam emerging markets proprietary limited of south africa (“sanlam”), subject to regulatory approvals .
the trust was established in 1972 under nrcd 127 to administer the national social security scheme. prior to 1972, the scheme was administered jointly by the then department of pensions and the state insurance corporation. the trust administered the social security scheme as a provident fund scheme until 1991 when it was converted to a social insurance pension scheme then governed by the pndc law 247. the scheme in ghana was reformed by an act of parliament, act 766 of 2008 and was implemented in january 2010 to replace all pension schemes in ghana including cap 30. in 2014, the national pensions (amendment) act 883 was passed to amend portions of act 766 .
the general manager of enterprise trustees, mr. joseph ampofo was crowned the pensions ceo of the year for his exceptional leadership and contribution to the pension industry .
the public utilities regulatory commission of ghana is an independent body set up to regulate and oversee the provision of the highest quality of electricity and water services to consumers. please explore our website for valuable inform…
the chief executive is responsible for the leadership and management of phe and the delivery of its objectives. he has established a national executive to support him in delivering phe ’s objectives by implementing a robust system of internal controls and driving forward an agenda to deliver them. the national executive, chaired by the chief operating officer, meets 3 times each month .
speaking at the launch, anne maher, chief executive of the pensions board, said: “the board’s primary role is a regulatory one which involves registration, auditing, monitoring and investigations in relation to occupational pension schemes and prsas. key areas of regulatory focus in 2004 and early 2005 were monitoring the funding position of defined benefit pension schemes and enforcing the mandatory access requirements for prsas. at the end 2004 there were 1408 schemes subject to the funding standard. these schemes must submit actuarial funding certificates to the pensions board at regular intervals and 596 certificates were submitted in 2004. of these, 356 (60 %) satisfied the funding standard. the remaining 240 (40 %) needed to submit funding proposals to the board in order to meet their compliance requirements” .
npra’s chief executive officer, mr hayford atta krufi, said the authority was “closely working towards the transfer of contributions of public sector workers in the tpfa from january 2010 to august 2016. ”
the determinations panel (dp) is a committee of the pensions regulator (tpr). it operates separately from other parts of the organisation, including tpr’s case teams .
although encouraging, the chief executive officer of axis pensions, mr afriyie oware, told the graphic business his outfit expected the growth rate to edge up in the coming years .
mr. oaitse m. ramasedi is currently the chief executive officer of the non - bank financial institution authority (nbfira). prior to that, he was the chief executive officer of the national development bank (ndb), and prior to that, he served in various senior management capacities in both accounting / finance and internal auditing functions in government, parastatal and private sector, respectively .
the amount comprises funds accrued in the temporary pensions fund account (tpfa) at the bank of ghana (bog) and total assets under management (aum) by licensed trustees .
this would only be possible once it is registered with the authority and an independent trustee appointed. failure to register and appoint an independent trustee would mean employees cannot benefit from tax exemptions the new pension law provides .
correction of the formulas for computation of pensions the amendment act 833 also corrected the formula for the computation of pensions by providing that the minimum 15 years or 180 months period of contribution entitles a member to 37. 5% pension right and every additional twelve (12) months contribution entitles the member to 1. 125% pension right up to a maximum of 60% .
hon. ignatius baffour - awuah, minister of employment and labour relations and hon. ken ofori - atta, minister of finance on 29th june, 2018 jointly inaugurated an 11 - member board of the national ...
tuesday 12 july 2005: the pensions board today launched its 2004 annual report and presented a copy of the report to the minister for social and family affairs, seamus brennan td, which is available on urltoken .
his relationship with enterprise began in 1998 when he joined the company for national service, having graduated from the university of ghana with a bachelor of arts degree in political science and sociology. he holds a diploma in insurance & pensions from the west africa insurance institute (waii) in the gambia, having completed with distinction, and an advanced diploma from the ghana insurance college as well as a cert cii holder of the chartered insurance institute of uk .
annual licence / registration for service providers including individual trustees of all registered schemes expires on 31st july, 2018. download, complete and submit to the authority the appropriate renewal forms, checklists and requisite attachments by 29th june, 2018 for processing and approval .
only 5, 599 employers out of ghana' s active employer population of over 32, 000 have complied with the directive to pay the pension contributions of their employees, records at the social security & national insurance trust (ssnit) indicate .
he was speaking to the paper ahead of the graphic business / stanbic bank breakfast meeting on tuesday, september 19 at the labadi beach hotel in accra. the meeting is on the theme, “the role of pensions in economic development”
the annual licence / registration for service providers including individual trustees of all registered schemes expires on 31st july, 2017. download, complete and submit to the authority the appropriate renewal forms and requisite attachments by 1st july, 2017 for processing and approval .
this is to inform all employees of treasury funded mdas of the federal government, that the national pension commission (pencom) is organizing a nationwide pre - retirement verification and enrollment exercise commencing from 25 june to 17 august, 2018. the exercise is…
ms. catherine johnson is global general counsel of the company. catherine advises the board and senior executives on key legal matters and strategic initiatives. in addition to her role as group general counsel, she was previously also head of the group’s regulatory strategy team. catherine qualified as a lawyer at herbert smith in 1993 .
across the country, there are more than 38, 000 people who haven' t claimed pension benefits they are owed. those unclaimed pensions equal a total of over $ 300 million dollars, with individual benefits ranging from twelve cents to almost a million dollars
mr. daniel maguire is chief executive officer of lch group of the company. daniel has wide experience in risk management, regulatory strategy, product management and development, programme delivery and sales and operations management. he was previously global head of swapclear and also forexclear and listed rates at lch, and most recently lch group coo .
the pension scheme as administered by ssnit has a registered membership of over 1, 307, 882 million as at august 2017 with over 184, 761 pensioners who regularly receive their monthly pensions from ssnit. the annual absolute growth of pensioners is over 12, 000 .
after many years as a documentary filmmaker for the bbc, in 1997 catharine founded an independent television production company, cat' s eye, which made films mainly for channel 4. catharine is currently a gambling commissioner and member of the legal services board. she is a former board member of the human tissue authority and chair of its audit committee, and a former member of the human fertilisation and embryology authority independent appeals committee. she also sits on employment and mental health tribunals, and as a lay assessor in county court cases. she is a magistrate and trustee of the london centre for children with cerebral palsy .
enterprise trustees limited (etl) is the pensions management subsidiary of enterprise group limited (egl). incorporated on 8 th november 2010, enterprise trustees is the leader in ghana’s pension industry with 28. 5% of the market share and assets under management of over gh⊄1. 6 billion .
launching the scheme, the deputy minister of health mr. kingsley aboagye gyedu who was guest of honour at the occasion applauded the board of trustees of the hsops for their initiative in providing members with first - hand information on pensions and also giving access to members to track their second tier contributions .
reduction in the age exemption members who were 55 years and above as at j anuary 2010 were exempted from act 766. members aged 50 - 54 years who were affected by act 766 were made worse off. hence the implementation of national pensions (amendment) act 2014, act 883. members who were aged 50 as at 2010 have now been exempted from act 766. this means that all those exempted will continue to contribute 17. 5% . they will also be paid the full benefit namely, monthly pension and the 25% lump sum by ssnit. despite the reduction in the age exemption from 55 to 50 years, it is still optional for any such member to decide to join the act 766 .
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enterprise insurance and enterprise life still represent the most significant subsidiaries in terms of financial performance. both businesses continue to show great potential for growth, delivering growth rates of 14. 9% and 26. 84% respectively in the general and life insurance markets. enterprise trustees ltd the group’s pensions subsidiary reported profit after tax of of gh¢206k in 2014 as against a loss of gh¢2. 14m in 2013 .
mr. mendel ngoni nlanda was first appointed to the board of botswana accountancy oversight authority [ baoa ] on 1 september 2013. he also serves as the vice chairman of the standard setting committee. mr. nlanda is currently the director of finance at the university of botswana [ ub ]. he is a fellow member of both the botswana institute of chartered accountants [ bica ] and association of certified & chartered accountants [ acca ], a uk based professional body of chartered accountants .
mr. gadzekpo congratulated the first lady for taking up such a laudable cause, saying that enterprise was moved by the plight of mothers and children at the komfo anokye hospital, as revealed in the documentary produced by the multi - media group. the company therefore felt compelled to help. he went on to say that this is not the first time enterprise has reacted positively to a national cry, citing the example of enterprise’s support to the victims of the june 3, 2015 twin disaster .
the new pension scheme has 3 levels from which employees benefit. level 1, referred to as tier 1, is a mandatory basic national social security managed by ssnit with a constituted board of trustees. level 2, referred to as tier 2, is a mandatory occupational pension scheme managed by a trustee who appoints a fund manager and a custodian. level 3, referred to as tier 3, is a voluntary pension scheme for workers and self - employed workers in the informal sector. the contributions are managed by a
having practised as a solicitor for much of his career, often as managing partner, david was appointed to the judiciary in the employment tribunals in england and wales where he continued for in excess of 20 years (both full time and part time). for the last five years of his judicial career he was president of the employment tribunals in england and wales until he retired in march 2014. this role involved chairing hearings, leading the judiciary in the jurisdiction and judicially managing 12 regional employment judges, around 400 employment judges and 1, 600 non - legal members. he was also the director of national training for the jurisdiction during his judicial career. david is currently chair of the board of directors of northampton partnership homes, a social housing company .
mr owusu - darko? s appointment takes retrospective effect june 22, a statement signed by mrs rita afua adzovie and copied to the ghana news agency in accra said .
mr owusu - darko takes over from mr laud a. k. senanu, former acting chief executive officer .
a brief profile of mr owusu - darko indicates that he is a chartered banker, licensed management consultant and a qualified organisation development practitioner .
mr owusu - darko is a certified international professional manager (ipma - uk), with a post graduate diploma in financial management (acca - uk), and executive mba in information technology management and a master of laws (llm) in information technology and telecommunication from the glasgow school of law (university of strathclyde) .
the statement said mr owusu - darko has conducted organisation assessments leading to diagnosis of culture, team effectiveness and organisational effectiveness, as well as dynamic team - building and strategic planning interventions .
it said mr owusu - darko has also facilitated workshops in advanced negotiations and conflict management and is an examiner in organisation development and change with the chartered institute of administrators and management consultants .
mr owusu - darko according to statement has published articles in the media on legal issues on the deployment of information technology in ghana, because of his love for research and writing .
? kofi anokye owusu - darko joins npra with rich, transferable professional skills and invaluable expertise, ? the statement said .
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would those who are 55 years and above continue to contribute 17. 5% or 18. 5% ?
contributors who are 55 years and above who opted to join the new scheme in its implementation will have to contribute 18. 5% . those still on the old scheme will continue to contribute at 17. 5% .
those who are due for pension are presumed to be above age 55, and would therefore remain under the old scheme and receive both their lump sum and monthly pension from ssnit .
the current trustees will have to conform and comply to the standards set in the law .
the person would have taken a life insurance cover to secure the mortgage and this should leave untouched his benefits for his / her survivors .
yes. he / she would be paid a monthly pension at the same level as he / she was receiving at age 75 and indexed annually according to the law till he / she dies .
annual licence / registration for service providers including individual trustees of all registered schemes expires on 30th june 2015 / information to the administrator of an employer sponsored scheme .
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it also issues guidelines for investment of pension funds and ensures compliance with act 766 .
this site based on the informations provided by openstreetmap. org, from go _ osm on 2013 - 01 - 29t10: 45: 15z .
the primary responsibility is to replace part of lost income of workers in ghana due to old age, invalidity and permanent migration of an expatriate contributor from ghana .
the trust is also responsible to pay survivors lump sum to nominated dependants of contributors in the event of death .
“to be the model for the administration of social protection schemes in africa and beyond” .
the board of trustees are responsible for the policy direction of ssnit. the trustees are made up of representation from government, employers and workers. it is constituted as follows :
the members of the board of trustees shall be appointed by the president in accordance with article 70 of the 1992 constitution .
the day - to - day administration of the trust is headed by the director general assisted by three (3) deputy director generals (ddgs) .
there are seven (7) general managers in charge of investment and development (idd), general counsel (gc), finance, operations, administration and human resources (admin / hr), management information systems (mis) and benefits. other responsibilities under the directorate include that of the chief actuary, the chief internal auditor, the company secretary and the corporate affairs manager .
ssnit has a decentralised operational system made up of the area, branch, day offices and an agency. an operations coordinator at the head office co - ordinates all operational activities and reports to the general manager, operations .
there are eight (8) area offices, fifty (50) branches, twenty - three (23) day offices and an agency spread throughout the country .
to provide input into the formulation of policies to improve operations and assists to implement them .
tier 3 – a voluntary fully - funded and privately managed provident fund and personal pension plan .
mandatory for all workers in the formal sector and optional for self - employed .
tier 3 – a voluntary fully - funded and privately managed provident fund and personal pension plan .
out of the 18. 5% , the employer remits 13. 5% within 14 days of ensuing month to ssnit. 5% is remitted to the second - tier mandatory occupational scheme .
entry age of joining the scheme– 15 years (minimum) and 45 years (maximum) only for new entrants (age 45 + to enter mandatory 2nd tier) .
increase in guaranteed pension payment period from 12 to 15 years. that is 72 to 75 years
hazardous employment benefit – underground miner to retire at age 55 with full retirement benefit .
return of contributions plus interest is given when one does not qualify for any of the two (2) benefits .
provision of three (3) benefits – old age pension, invalidity pension and death and survivors lump sum benefit .
it was financed through employer and employee contributions of 12. 5% and 5% of basic salaries respectively. the resultant 17. 5% is paid solely to ssnit .
full pension is earned at age 60 with a minimum contribution of 240 months (20years) .
reduced pension is earned between 55 and 59 years with a minimum contribution of 240 months .
a 25% lump sum payment option was available for both full and reduced pension. this is paid at the present value discounted at the prevailing treasury bill rate .
invalidity pension is earned after 12 months contribution within the last 36 months and member must be declared permanently invalid by a recognized medical officer and certified by a medical board .
survivors’ lump sum is paid to dependants of a member who dies before retirement or when a member dies while a pensioner before attaining age 72 .
minimum accrual rate was 50% and the maximum was 80% of three best year’s average salary .
a return of contributions accumulated at a prescribed interest rate is given to unqualified contributors .
ssnit has over the years administered social insurance in ghana and workers have been well catered for upon retirement and injury under the scheme. all activities under taken by ssnit are within the confines of the law .
the primary responsibility of ssnit is to replace part of lost income of workers in ghana .
provide social protection for working population for contingencies including old age, invalidity, death and emigration .
collaborate with other complementary social protection schemes to achieve efficiency, cost savings and avoid duplication of functions .
ssnit also registers establishments and employees to furnish them with unique establishment registration (er) and social security numbers respectively .
these numbers are not transferable and shall be used by employers and employees throughout their transactions with ssnit .
recalcitrant employers who refuse to pay contributions on behalf of its employees are sanctioned .
emigration benefit emigration benefit is a lump sum payment of benefit to non - ghanaian members of the social security scheme under act 766 whose services are ended and are leaving ghana permanently. whether the member has reached the retiring age or not, whatever benefit is due him / her will be paid as lump sum in ghanaian currency to the member .
employers to furnish information by ssnit within seven (7) working days the amendment provides that, where ssnit officials request an employer to furnish any information relating to the employer, the employer shall furnish the information within seven (7) working days .
urbra holds free medical camp at kawolo hospital in buikwe district on 7th april, 2018 .
as part of urbra’s corporate social responsibility (csr) program, urbra organized a medical camp at kawolo hospital in lugazi municipality, buikwe district on 7 / 04 / 2018. the medical [ … ]
urbra held a seminar for university students of actuarial society at makerere university on 29th march 2018. one of urbra’s core areas is to improve [ … ]
mr. katimbo mugwanya (former, executive director supervision – bank of uganda) sharing his personal experience as a retiree. he gave members advice on how to [ … ]
on 16th august 2017, at a breakfast meeting at imperial royale hotel, urbra released the annual pension sector industry report 2016. for the last three years, urbra has [ … ]
progress of retirement benefits sector reforms and the prerequisites to successfully continue the sector’s growth agenda .
4th - 6th floor plot 1 clement hill rd. p. o. box 7561, kampala tel: + 256 417 304 500 + 256 312 324 500 + 256 200 513 500 email: urbra @ urltoken
a training, sensitization and networking platform where suppliers can effectively engage with rba, other suppliers, buyers, and the general public .
here is the abridged version of the judicial review on interim administration hc misc. appl. …
to submit monthly return, follow this link: e - services login, help .
to pay statutory contributions, follow this link: e - services login, help .
the primary mission of the ghana securities and exchange commission (sec) is to protect investors and maintain the integrity of the securities market. as more and more first - time investors begin to look upon the securities market as an alt…
we regulate, oversee and monitor the petroleum downstream industry to ensure efficiency, growth and stakeholder satisfaction .
functions: the primary functions of the force are those stipulated in section 1 of the police force act, 1970 (act 350). it states among others that: “it shall be the duties of the police force to prevent and detect crime, to apprehend…
the central bank of ghana traces its roots to the bank of the gold coast (bcg), where it was nurtured. as soon as local politicians and economists saw political independence in sight in the mid 1950’s the agitation for a central bank was r…
if you are looking beyond the horizon for where to locate your business, then you are at the right place - ghana free zones board (gfzb). the free zones programme in ghana offers you a conducive business environment to produce at minimum c…
the government white paper on the reforms to the tertiary education system that was published in 1991 made several proposals for the restructuring and reorganization of tertiary education and tertiary educational institutions. the proposal…
delivers parcels, documents and freight items throughout the world. dedicated to delivery time. they also customs clear courier and airfreights shipments for you and deliver wherever in the country .
the vision of the council is “ to guarantee the highest levels of pharmaceutical care ”. its mission is “ to secure the highest level of pharmaceutical care by ensuring competent pharmaceutical care providers who practice within agreed…
nested in the heart of the gulf of guinea on the west coast of africa, is a jewel. this jewel is one of the best kept secrets in africa. welcome to ghana. a land with miles and miles of sun - dappled beaches, the home of ashanti and the land…
prior to the enactment of the pension reform act 2004, pension schemes in nigeria had been bedevilled by many problems .
the pension reform act (pra) 2014 expanded coverage of the cps to the self - employed and persons working in organizations with less than 3 employees .
discussion on the regulations and guidelines around the investment of pension funds by the head, investment supervision department – mr. ehimeme ohioma
pencom’s head, research and strategy management department, dr. farouk aminu explains the a - z of how contributors / retirees can access money from the cps
enterprise group donates to police hospital dialysis centre | | enterprise group positioned for the future | | a new page in the life of enterprise life. | | enterprise trustees interacts with all its service providers on their master trust pension schemes | | your retirement is secured in our hands | | enterprise group welcomes a new strategic partner | |
corporate social responsibility the group' s social commitment has had a two faceted approach. our principle and criteria for support are in promoting health and education across our footprint. in 2012, we shifted our focus from providing assistance generally to a community and took a focused approach in supporting some key associations and organizations that have been under funded over the years such as the autism centre in accra. we have nonetheless kept our promise on on - going projects, key amongst them, our library project in the upper west region .
the enterprise brand is based on the concept of
the thoroughbred
.
the thoroughbred is a horse of outstanding pedigree with an inherent disposition to be the best
born of outstanding parentage, excellence is just in our nature. this endows us with sheer power and muscle, which enables us to deliver the quality service and solution our scheme members desire and expect. that is why our scheme members confidently testify that, truly we deliver your advantage .
in 2011, joseph successfully completed a 12 month executive senior management development program from university of stellenbosch in south africa. he is a fellow of the africa leadership initiative - west africa and the aspen global leadership network as well as an avid golfer .
emmanuel is a certified hr professional (hr certification institute – usa) and a qualified trainer. he also holds an mba (hrm option) from the university of ghana business school and a b. ed. foundations (economics) degree from university of cape coast .
emmanuel has been a resource person for capacity building organizations such as dues club, pimi, soul impact and other youth - related organizations .
the objective of the scheme is to create a large pool of funds to allow members to benefit from economies of scales. this scheme offers members a one - stop administration and relieves staff of companies from complex and timing consuming trustee duties .
medical board declaring a contributor as no longer mentally or physically capable of performing the functions of office .
opportunity to get discounts on corporate risk covers from enterprise life & enterprise insurance. audited statement from “a” rated firm .
online access to statement retirement planning support provide yearly relevant demographic reports to help with human resource planning prompt responses to enquires from dedicated relationship officer opportunity to get discounts on corporate risk covers from enterprise life & enterprise insurance audited statement from “a” rated firm. annual scheme report
the enterprise personal pension scheme allows formal sector workers to make additional contributions towards retirement. this is geared towards enhancing their retirement benefit outside the mandatory schemes and any provident fund scheme .
informal sector workers, who are usually not covered by the mandatory pension schemes, are also catered for under this scheme .
contributions from formal sector workers are held in one account. contributions from informal sector workers are apportioned into two different accounts based on the member’s preference. ie. savings account and pension account. persons above 60 can opt to hold a pure savings account. members are at liberty to switch from one plan to another and will be limited to a total number of switches of three (3) in the life time of the contract. no switching before the first twelve months, and no additional switches within 24 months of a previous switch .
contributors less than 50 years at entry can opt to make partial withdrawal in the last five years of the savings period. minimum savings period is 10 years. withdrawal in the last five years is limited to one withdrawal not exceeding 25% of total available benefit .
contributors above 50 years at entry can make partial withdrawal after two years but limited to one withdrawal per year after qualifying for withdrawal. no restriction on percentage available for withdrawal .
• partial withdrawals then allowed every two years after the initial withdrawal of not more than 25% of the fund .
the objective of this scheme is to create a large pool of funds to allow members benefit from economies of scales. this scheme offers members a one - stop administration and relieves staff of companies from complex and timing consuming trustee duties .
medical board declaring a contributor as no longer mentally or physically capable of performing the functions of the office .
benefits: online access to statement retirement planning support provide yearly relevant demographic reports to help with human resource planning prompt responses to enquires from dedicated relationship officer opportunity to get discounts on corporate risk covers from enterprise life & enterprise insurance audited statement from “a” rated firm. annual scheme report
the objective of this scheme is to protect the interest of members and create a large pool of funds to allow members benefit from economies of scales. these cost savings ultimately translate into enhanced retirement payouts to contributors .
the objective of this scheme is to create a large pool of funds to allow members benefit from economies of scales. this scheme offers members a one - stop administration and relieves staff from complex and timing consuming trustee duties .
highly competitive cost structure online access to statement retirement planning support provide yearly relevant demographic reports to help with human resource planning prompt responses to enquires from dedicated relationship officer opportunity to get discounts on corporate risk covers from enterprise life & enterprise insurance audited statement from “a” rated firm. annual scheme report
please download the form below, fill it and submit via email to info. trustees @ urltoken or submit it to any of our offices. thank you .
the health scheme occupational pension scheme (hsops) has launched a website urltoken as part of its efforts to provide members of the scheme with concrete information and give them access to track their pension contributions .
the chief director at the ministry of employment and labour relations, mr. rudolph kuuzegh described the hsops as a trail blazer among the public sector schemes .
“we all have a lot to learn from the hsops. as far as the scheme is concerned, the work of the trustees is to do what is right to the benefit of the scheme members and i can say that the hsops is doing an excellent job in this regard, ” he said .
the chairman of the board of trustees of the hsops, dr. derek amoateng, said the scheme, made up primarily of ghana medical association (gma), ghana registered nurses and midwives association (grnma), government hospital pharmacists association (ghospa), health services workers union (hswu) and its allied unions has made significant strides since it started operations in 2012 .
he said the scheme’s asset under management has experienced tremendous growth due to prudent management and wise investment decisions made by the board. he therefore urged all other health unions who were not yet part of the scheme to join the hsops to ensure growth under one umbrella .
speaking on the benefits of the website, the executive director of enterprise trustees limited administrators of the scheme, mr. joseph ampofo said the website has been designed as a mobile friendly one that is available to members across all geographical locations .
he urged all members of the scheme who have not yet filled their enrollment forms to contact their head of facility and do so in order to access their member statement and other relevant information through the website .
the hsops is one of the four public sector schemes currently operating in ghana .
enterprise trustees retained its position as the only corporate trustee in the ghana club 100 at the recent ghana club 100 awards held at kempinski hotel on the 30 th of november 2017. enterprise trustees experienced tremendous growth in its operations to attain the 25 th position at the 16 th edition of ghana club 100 awards, having ranked 100 th in the previous year .
enterprise trustees, the leading private pension administrators in ghana achieved this feat after a rigorous exercise, which ranked companies that entered the competition based on size (turnover), growth and profitability .
the ghana club 100 event was organized by the ghana investment promotion centre (gipc) under the theme “industrialization – a tool for job creation and accelerated economic development”. the ghana club 100 ranking is an annual initiative to honour companies that excel in their various areas of operations in the fiscal year .
expressing his elation about the recognition, the general manager of enterprise trustees mr. joseph ampofo said, “this is a testament of the hard work and dedication of everyone at enterprise trustees. as a business, we are excited about what the future holds for us as we remain committed to offering only the best to our clients. ” he dedicated the award to cherished clients .
enterprise group as part of its corporate social responsibility initiatives for the year, has donated gh¢10, 000. 00 to operation smile ghana, an international non - governmental agency .
operation smile is an international medical charity that has provided hundreds of thousands of free surgeries for children and young adults in developing countries who are born with cleft lip, cleft palate or other facial defects .
the donation was made when representatives of the enterprise group paid a visit to the koforidua regional hospital on 9 th november, 2017. in total, 343 children with cleft palate defect were screened, out of which 143 were successfully operated upon. the event spanned 10 - days, from 2 nd to 13 th november, 2017 .
the surgery was supported by forty - nine volunteers from ghana and others from ten different nationalities. the volunteers comprised medical practitioners, anesthetists, nurses as well as other medical personnel assembled by operation smile to help put smiles on the faces of children suffering from the cleft palate defects .
enterprise group continues to deepen its commitment to giving an advantage to all through its corporate social responsibility programs and initiatives. the donation falls in line with the group’s corporate social responsibility focus on health and education. the donation also reinforces, one of the group’s core value of “friendliness” as exhibited by the support and care offered to the children .
mrs. phyllis woode - nartey, agm, business development, communication and sales (2 nd right), mrs. ama ansah, group head, human resource (3 rd left), with some staff of operation smile and enterprise group .
commenting on the awards, mr. joseph ampofo reiterated the company’s dedication to customer excellence across all levels of the business, “these awards validate our position as the leading pension management company in ghana. it shows the consistent growth we have witnessed as a company over the years. we remain committed to providing our clients with unparalleled services and ensuring their maximum comfort in retirement”.
the national pensions regulatory authority is a government of ghana statutory agency responsible for the regulation and policy development of pensions administration in ghana . 
the national pensions regulatory authority is a government of ghana statutory agency responsible for the regulation and policy development of pensions administration in ghana.
the national pensions regulatory authority is a government of ghana statutory agency responsible for the regulation and policy development of pensions administration in ghana.