FCMB Pensions
The Smart Choice For A Happy Retirement
Stay in control of your pension account contribution through voluntary contribution and long-term planning.
Multi-Fund Structure
Administration fees by fund
Life-cycle funds aligned with your risk appetite and horizon. Figures below are monthly admin fees.
Fund I
₦100.00
Fund II
₦100.00
Fund III
₦100.00
Fund IV
₦50.00
Fund V
Tiered by monthly contribution level
₦20.00 – ₦80.00
Fund VI
₦100.00
Administrative fees only; excludes fund management charges where applicable.
Retirement solutions built around your future
We provide retirement and benefit administration solutions designed for individuals, businesses, and retirees— so planning stays clear at every life stage.
Compliance
NDPR Audit Recognition
Select a row to view the certificate or badge image.
| Recognition | Detail | |
|---|---|---|
| NDPR Trust Mark Badge | Recognition — baseline certification | |
| NDPR Audit — 2023 | Compliance certificate | |
| NDPR Audit — 2024 | Compliance certificate | |
| NDPR Audit — 2025 | Compliance certificate |
From compliance to your catalogue
Trust in data and regulation — then choose the products that fit your life
Recognition for how we manage information is part of the story. The next part is everything you can do with FCMB Pensions: accounts, funds, voluntary savings, and transfers — in one structured offer.
Privacy by design
NDPR recognition reflects how we treat member data — protected, audited, and handled with care.
Rules you can rely on
Our processes align with PenCom and CPS standards so you know what to expect at every step.
Products that connect
From RSA setup to funds and voluntary savings — services built to work together, not in silos.
Products & Services
Save, plan, and move your pension — in one place
Twelve ways we support contributors, employers, and retirees — from RSA setup to ethical funds and voluntary top-ups.
Accounts & RSA
Registration, balances, and fund transparency
- Retirement Savings AccountYour statutory retirement wallet under Nigeria's Contributory Pension Scheme.
- NSITF Funds TransferMove legacy NSITF balances into your RSA in line with PenCom guidance.
- RSA FundMulti-fund options aligned to age, risk, and life stage.
- RSA Funds InformationDisclosures on holdings, fees, and how your money is invested.
Funds & planning
Life stage, values, and benefit design
- Retiree FundFor members already drawing retirement benefits.
- Ethical/Non-Interest FundNon-interest investing aligned with ethical and faith-based preferences.
- Retirement PlanningClarity on contributions, timelines, and withdrawal pathways.
- Defined Benefit SchemeStructured benefits for qualifying employer-sponsored arrangements.
More ways to save
Voluntary savings, updates, and transfers
- Personal Pension PlanExtra voluntary savings beyond mandatory CPS contributions.
- NewslettersRegulatory updates, market context, and pension education.
- Voluntary ContributionsTop up your RSA when you want to accelerate retirement goals.
- RSA Transfer WindowSwitch PFAs within approved windows — compliant and traceable.
Segment plans
Micro pension, workplace schemes, and data recapture — pick the path that matches how you earn and save.
Individual Pension Plan
The Micro Pension Scheme caters for the informal sector segmented into low income earners, high income professionals and SMEs.
Read More
Business Pension Plan
With the new Pension Bill, employers with at least three employees can fully participate through regular monthly contributions.
Read More
Data Recapture Exercise
PenCom has directed all RSA holders to complete data recapture to ensure records remain complete and benefits are processed smoothly.
Update
Drawing benefits
When it is time to retire or access approved withdrawals, our benefit administration covers pathways, paperwork, and support.
Benefit Administration
Access, timing, and support for every benefit type
From programmed withdrawal to special cases — the same topics you see under Benefit Administration in the menu, organised for quick scanning.
Retirement pathways
Core CPS withdrawal and retirement options
- RetirementTransition from accumulation to benefit drawdown when you reach retirement age.
- Programmed WithdrawalStructured periodic payments from your RSA while funds stay invested.
- Temporary Access (25%)One-off access to a portion of your balance under qualifying conditions.
- Contributory Pension Scheme (CPS) Retirement PackDocuments and steps to complete your CPS retirement process.
Special cases & payouts
Lump sums, cross-border, and sensitive events
- En BlocFull lump-sum settlement where rules and fund rules allow.
- Death BenefitsGuidance for nominees and legal representatives on benefit payment.
- Voluntary Contributions WithdrawalRules for accessing voluntary savings according to your instructions.
- Cross Border ArrangementsLeaving or returning — alignment with international pension arrangements.
- Medical ReasonsEarly or adjusted access where medical criteria are met.
Guides & requirements
What to expect and how to enrol
- Features of Programmed Withdrawal and AnnuityCompare periodic withdrawals with annuity options from insurers.
- Requirements for Retiree Online EnrolmentIDs, forms, and digital steps to complete retiree onboarding.
- Equity Contribution for Residential MortgageUsing part of your RSA balance toward an approved home loan.
- Steps for Accessing Retirement BenefitsEnd-to-end checklist from application to payment.
Documents & disclosures
Download forms for access and updates, and browse regulatory filings and portfolio structure in one place.
Useful Forms
- Account Opening Form (RSA)
- Forms For Temporary Access To 25%
- Voluntary Contributions Instruction Form
- Data Update Form
- Inter Fund Transfer Instruction Form
Regulatory Requirements
- Audited Fund Accounts
- Audited Accounts
- Structure of Investment Portfolio
- Rate of Returns
- Newsletters
Questions first
Quick answers on registration, online updates, and moving your RSA — before you dive into downloads or speak to the team.
Some of our Frequently Asked Questions
I Have Not Yet Registered With A Pension Fund Administrator, What Should I Do?
Register online, or download and submit your RSA opening form at any branch location.
Is It Possible To Update My Details Online?
Yes. You can update phone, email, and residential address via the FCMB Pensions client portal.
Can I Move My Retirement Savings Account From One Pension Fund Administrator To Another?
Yes. RSA transfer is available in line with regulations.
On the go
Check balances and account details from your phone — the app keeps your RSA within reach between branch visits.
The FCMB Pensions app is the most convenient way to monitor your pension savings on the go.
Download the app and keep all account details in your palm, anywhere and anytime.
Plan ahead
Use the Retirement Lifestyle Planner to stress-test goals against contributions and timelines — then talk to us to refine the plan.
Retirement Lifestyle Planner
Plan your retirement goals and track your progress with practical guidance and transparent pension information.
Speak With Our TeamStill exploring
News, downloads, investor tools, and more — useful when you have finished the core journey and want peripheral links.
More Links
Next step
Open an account, log in to the client portal, or subscribe for updates — everything sits below in the footer.