Generated by All in One SEO v4.9.3, this is an llms.txt file, used by LLMs to index the site. # CrusaderSterling Pensions ## Sitemaps - [XML Sitemap](https://crusaderpensions.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Year-End Review: Shaping Tomorrow, Today](https://crusaderpensions.com/year-end-review-shaping-tomorrow-today/) - As the year comes to an end, it is a perfect moment to pause and review our progress, especially our finances and pensions. While this write-up focuses on your pension, the steps shared can also apply to your overall financial health. Many people, especially younger earners, often view their pension as a distant concern. However, - [What You Must Know About The Personal Pension Plan.](https://crusaderpensions.com/what-you-must-know-about-the-personal-pension-plan/) - If you already have a Retirement Savings Account (RSA), you are on the right track toward securing your future. However, with a new initiative by the National Pension Commission (PenCom), you now have greater flexibility and control over how you save for the future. This initiative is the Personal Pension Plan (PPP). What is the Personal Pension - [Pensions for All: Insights into The Foreign Currency Pension (FCY) and Personal Pension Plan (PPP)](https://crusaderpensions.com/webinar-foreign-currency-pension-personal-pension-plan/) - Watch the replay of our webinar, "Pensions for All: Insights into The Foreign Currency Pension (FCY) and Personal Pension Plan (PPP)". In today’s evolving financial landscape, securing your future requires the right knowledge and the right tools. This webinar provides valuable insights into two flexible pension solutions; the Foreign Currency Pension (FCY) and the Personal - [Women, Wealth & Retirement: Securing Tomorrow With Strength and Intention.](https://crusaderpensions.com/women-wealth-retirement-securing-tomorrow-with-strength-and-intention/) - March is globally recognised as a month to celebrate women; their achievements, resilience, leadership, and impact across every sector of society. Yet beyond celebration lies an important and often under-discussed subject: women’s long-term financial security. At its core, retirement planning is about dignity, independence, and stability. For women especially, taking pension seriously is not merely - [Pension Benefits for Today and Tomorrow](https://crusaderpensions.com/pension-benefits-for-today-and-tomorrow/) - For many people, pension feels like money that disappears into the future: contributions going in, with benefits that seem far away. But the truth is this: your pension is already working for you today, even while you are still active and earning. Here’s how. 1. Your Pension Is Growing Your Money, Not Just Holding It Your pension contributions are not kept idle. They - [CrusaderSterling Pensions Achieves ₦1 Trillion AUM, Marks 20 Years of "Creating Wealth for Retirement"](https://crusaderpensions.com/1-trillion-aum-20-years/) - CrusaderSterling Pensions is pleased to announce that it now manages over ₦1 trillion in pension Assets Under Management (AUM), reinforcing its position as a trusted steward of retirement wealth. This significant milestone coincides with our 20th anniversary as a licensed Pension Fund Administrator (PFA) under the Nigerian Contributory Pension Scheme (CPS), reflecting two decades of - [PenCare Initiative: Expanding Retirement Security to Healthcare](https://crusaderpensions.com/pencare-initiative-expanding-retirement-security-to-healthcare/) - The National Pension Commission (PenCom) has launched the PenCare Initiative, a groundbreaking healthcare support programme designed to enhance the well-being of retirees under Nigeria’s Contributory Pension Scheme (CPS). This Pension Industry Health Care Initiative (PenCare) represents a major step forward in strengthening retirement security by integrating affordable healthcare into pension benefits. Why PenCare Matters Healthcare expenses remain one of the biggest financial pressures - [Commencement of Online Self-Service Data Recapture Exercise- PENCAP](https://crusaderpensions.com/commencement-of-online-self-service-data-recapture-exercise-pencap/) - The National Pension Commission (PenCom) has launched a self-service online platform, the Data Recapture Self-Service Platform (PENCAP), which allows contributors who joined the Contributory Pension Scheme (CPS) before July 2019 to conveniently recapture their data online. The Data Recapture Exercise helps ensure that contributors' pension records are accurate, secure, and up to date, and supports - [FBNQuest Merchant Bank Confirms Acquisition by EverQuest Acquisition LP](https://crusaderpensions.com/fbnquest-merchant-bank-confirms-acquisition-by-everquest-acquisition-lp/) - FBNQuest Merchant Bank has announced the completion of its ownership transition, following the sale of its stake by First HoldCo Plc and its acquisition by EverQuest Acquisition LLP, a newly formed investor group led by Custodian Investment Plc. Read more: https://fbnquest.com/fbnquest-merchant-bank-confirms-new-ownership-structure-sets-stage-for-future-growth/ Source: FBN Quest website - [CrusaderSterling Pensions Successfully Completes Post-Certification ISO Surveillance Audit 1](https://crusaderpensions.com/crusadersterling-pensions-successfully-completes-post-certification-iso-surveillance-audit-1/) - CrusaderSterling Pensions is pleased to announce that we have successfully passed the post-certification Surveillance Audit 1 conducted by MSECB, a global certification body responsible for assessing conformity with international standards. This accomplishment reaffirms our continued compliance with ISO 9001:2015 (Quality Management System) and ISO/IEC 27001:2022 (Information Security Management System). Completing this audit demonstrates our ongoing commitment to delivering - [Inflation, Weakening Naira Threatening Returns on Pension Fund- Rotimi Adebiyi, MD/CEO CrusaderSterling Pensions.](https://crusaderpensions.com/inflation-weakening-naira-threatening-returns-on-pension-fund-rotimi-adebiyi-md-ceo-crusadersterling-pensions/) - Please give us an insight into CrusaderSterling Pensions Limited and what you do? CrusaderSterling Pensions Limited (CPL) is a leading pension fund administrator in Nigeria and a member of Custodian Investment Group. We are licensed by the National Pension Commission (PenCom) to manage pension funds in Nigeria. CPL was incorporated in October 2004 and commenced operations - [Changing Jobs? Here’s How to Manage Your Pension](https://crusaderpensions.com/changing-jobs-heres-how-to-manage-your-pension/) - Switching jobs is often an exciting season filled with fresh opportunities, new challenges, and growth. However, in the middle of onboarding paperwork, meeting colleagues, and learning the ropes at your new workplace, there is one important detail you must not overlook: your pension. Your pension Retirement Savings Account (RSA) is a lifelong account that holds your contributions toward - [Discover Wealth-Building Tips and More](https://crusaderpensions.com/discover-wealth-building-tips-and-more/) - In today’s economy, the idea of building wealth might feel like a distant dream, especially when salaries remain largely static while prices of goods and services seem to rise daily. Yet, amidst the financial uncertainty, there are still smart, accessible steps you can take to not just survive, but grow your finances steadily and sustainably. - [A Smarter Way to Secure Your Future](https://crusaderpensions.com/a-smarter-way-to-secure-your-future/) - In today’s world, technology continues to reshape how industries operate, driving growth, boosting efficiency, and unlocking new ways to serve customers better. The Nigerian Pension industry is no exception. At CrusaderSterling Pensions, we believe that managing your retirement savings should be seamless, secure, and stress-free. That is why we are harnessing the power of technology to simplify your pension journey. - [CrusaderSterling Pensions Limited: Announcement of Rating Upgrade to AA-(PFM) by Agusto & Co.](https://crusaderpensions.com/crusadersterling-pensions-limited-announcement-of-rating-upgrade-to-aa-pfm-by-agusto-co/) - CrusaderSterling Pensions Limited (CPL) is pleased to announce that we have received an upgraded AA-(PFM) rating from Agusto & Co., a distinguished Pan-African credit rating agency. This upgrade from our previous A+(PFM) rating reflects our robust investment capabilities, effective pension administration, and sound risk management practices. This commendation comes a mere fourteen months after the - [Building Sustainable Wealth Webinar](https://crusaderpensions.com/building-sustainable-wealth-webinar/) - Watch the replay of our webinar, "Building Sustainable Wealth". Discover practical strategies for building long-term wealth in today’s challenging economy. In this exclusive webinar hosted by CrusaderSterling Pensions, our expert speakers share valuable insights on: Simple, scalable personal investment strategies Understanding pensions as a powerful investment tool Whether you're just starting your financial journey or - [Smart Mid-Year Pension Planning](https://crusaderpensions.com/smart-mid-year-pension-planning/) - As we begin the second half of 2025, it is the perfect moment to pause, reflect, and ask a critical question: Am I on track with my retirement goals? At CrusaderSterling Pensions, we believe that retirement planning is not a one-time decision; it is an ongoing journey that requires regular checkpoints. Your Retirement Savings Account (RSA) is more than a deduction on your - [Pension Tips for Entrepreneurs](https://crusaderpensions.com/pension-tips-for-entrepreneurs/) - Transitioning from paid employment to running your own business in Nigeria is a bold and rewarding move. However, many people stop contributing to their pension accounts during this transition, either due to a lack of awareness that the pension scheme accommodates entrepreneurs or by personal choice. Whichever the case, discontinuing your pension contributions could put your retirement at risk. Whether you are now a small - [Beyond Retirement: Unlocking The Potential Of Your Pension](https://crusaderpensions.com/beyond-retirement-unlocking-the-potential-of-your-pension/) - When most people think of pensions, the first thing that comes to mind is retirement. It is easy to assume that your Retirement Savings Account (RSA) is only meant to be accessed at the end of your career. However, your pension could do more for you today. At CrusaderSterling Pensions, we believe your pension should be more than passive - - [Smart Pension Planning: Stay In Control, Stay Ahead](https://crusaderpensions.com/smart-pension-planning-stay-in-control-stay-ahead/) - While many people regularly check their bank accounts, investment portfolios, and other financial assets, pensions are often overlooked because they seem like a distant concern. However, just like any other financial commitment, keeping track of your pension is essential to ensuring it aligns with your desired financial future. Not regularly monitoring your pension can lead to unexpected challenges. At times, individuals - [Smart Pension Moves: Unlocking The Path To A Secure And Prosperous Retirement](https://crusaderpensions.com/smart-pension-moves-unlocking-the-path-to-a-secure-and-prosperous-retirement/) - Securing a comfortable retirement requires proactive planning and strategic decision-making, particularly given the country's evolving economic landscape. With increasing life expectancy and the shift from traditional pension system to the Contributory Pension Scheme (CPS), it's essential to make informed, smart moves toward retirement planning. Here are key moves you can make in 2025 to secure a prosperous retirement: Understand the Pension System: Nigeria's pension system is primarily - [Retirement Planning For Every Stage Of Your Career](https://crusaderpensions.com/retirement-planning-for-every-stage-of-your-career/) - Retirement may feel like a distant concern, especially if you're just starting your career, but the earlier you begin, the better your chances of enjoying a comfortable and stress-free future. Whether you're a young professional, mid-career worker, or nearing retirement, here are tailored tips to help you build a solid retirement plan. For Young Professionals: - [Your RSA: A Smart Financial Tool For Your Travel Dreams](https://crusaderpensions.com/your-rsa-a-smart-financial-tool-for-your-travel-dreams/) - When planning to travel for work, study, or relocation, one major hurdle many people face is meeting the Proof of Funds (POF) requirement. Many embassies require applicants to demonstrate financial stability, and while most people think only of bank savings, your Retirement Savings Account (RSA) can also serve as an important financial asset to support your travel plans. Beyond - [CrusaderSterling Pensions Limited Surpasses N9.00 Fund Price (Fund 2) In Remarkable Milestone](https://crusaderpensions.com/crusadersterling-pensions-limited-surpasses-n9-00-fund-price-fund-2-in-remarkable-milestone/) - CrusaderSterling Pensions surpasses N9.00 fund price milestone for RSA Fund 2, delivering over 800% returns since inception. Learn how CPL continues to create wealth for contributors while earning an A+ (PFM) rating by Agusto & Co. - [CrusaderSterling Pensions Unveils Personalised Video Advisor to Enhance Retirement Planning](https://crusaderpensions.com/crusadersterling-pensions-unveils-personalised-video-advisor-to-enhance-retirement-planning/) - We are excited to announce the launch of our innovative Personalised Video Advisor at CrusaderSterling Pensions(CPL). This cutting-edge tool is designed to help our valued customers proactively plan their desired financial security at retirement. By offering a clear and personalised projection, our data-powered Personalised Video Advisor enables users to determine the Additional Voluntary Contribution (AVC) - [CrusaderSterling Pensions Limited (CPL) Wins ‘Africa’s Most Innovative Pension Fund Management Company of the Year 2023’ Award](https://crusaderpensions.com/crusadersterling-pensions-limited-cpl-wins-africas-most-innovative-pension-fund-management-company-of-the-year-2023-award/) - We are thrilled to announce that CrusaderSterling Penisons Limited (CPL) has been recognized as ‘Africa’s Most Innovative Pension Fund Management Company of the Year 2023’ Award. This prestigious award acknowledges our unwavering commitment to excellence in pension fund management. While we are immensely proud of this recognition, we view it as a stepping-stone, not a - [Crusader Sterling launches Non-interest Pension Fund](https://crusaderpensions.com/crusader-sterling-launches-non-interest-pension-fund/) - CrusaderSterling Pensions Limited, a pension fund administrator, says it has launched its ‘Non-Interest Fund VI’ in line with the multi-fund investment structure of the pensions industry. A statement obtained on Friday said the objective was to provide wider investment portfolio choices to retirement savings account holders and retirees. The Managing Director, Mr Adeniyi Falade, said, - [Your Money, Your Future: Managing Your Finance for a Secure Future. Webinar by CPL.](https://crusaderpensions.com/your-money-your-future-managing-your-finance-for-a-secure-future-webinar-by-cpl/) - In times like this where financial security is more important than ever, watch our industry experts guide you on personal finance planning, maximizing pension returns through Additional Voluntary Contribution (AVC), and ensuring efficient pension processing. Discover actionable strategies to optimise your retirement savings and secure a financially stable future. For enquiries, please call 08139856160, 08139856161. - [Boost Your Pension Savings with Additional Voluntary Contribution Plan.](https://crusaderpensions.com/boost-your-pension-savings-with-additional-voluntary-contribution-plan/) - Planning for retirement is a crucial aspect of financial management, and in today’s dynamic economic environment, it is essential to go beyond the basics. While the mandatory contributory pension plan provides an excellent foundation, the Additional Voluntary Contribution (AVC) plan allows you to significantly boost your retirement savings. What is Additional Voluntary Contribution (AVC) Plan? Additional Voluntary - [Benefits and Importance of the Contributory Pension Scheme.](https://crusaderpensions.com/benefits-and-importance-of-the-contributory-pension-scheme/) - The Contributory Pension Scheme (CPS) is a pension plan in Nigeria where both employees and employers contribute a portion of the employee's salary into a Retirement Savings Account (RSA). Employee contributes 8% of their monthly salary, while the employer contributes 10%. Benefits and importance of the Contributory Pension Scheme include: Financial Security in Retirement: One - [Pensions: Myths Vs Reality](https://crusaderpensions.com/pensions-myths-vs-reality/) - Even though pensions are an essential element of everyone’s life after retirement, certain myths and misconceptions can lead to financial mistakes for individuals. Few topics are as puzzling as pensions when it comes to financial planning and our aim is to make it easier for people to take decisions on their retirement savings through demystifying - [The Micro Pension Plan: What You Need To Know.](https://crusaderpensions.com/the-micro-pension-plan-what-you-need-to-know/) - Over the years, pension in Nigeria has been limited to the formal sector. However, the introduction of the Micro Pension Plan (MPP) in 2019, has extended the Contributory Pension Scheme to include both formal and informal sectors of the Nigerian economy. Discover how you can be a part of it! What is the Micro Pension - [Achieve Your Homeownership Dreams With Your Retirement Savings Account (RSA)](https://crusaderpensions.com/achieve-your-homeownership-dreams-with-your-retirement-savings-account-rsa/) - Homeownership is a major dream for everyone, regardless of gender or age. While the harsh economic climate of today might make this dream seem far-fetched. The Retirement Savings Account (RSA) Mortgage Equity Contribution plan by the National Pension Commission (PenCom) shines a beacon of hope. The Retirement Savings Account (RSA) Mortgage Equity Contribution plan makes - [How to Open a Pension Account](https://crusaderpensions.com/how-to-open-a-pension-account/) - To open a pension account with CrusaderSterlingPensions, you can visit our website to fill out the online form or download it from PDF, fill, scan, and send it to info@crusaderpensions.com or you can also visit any of our offices to fill a physical form. Generally, one would require the following: NIN/NIMC slip, a passport, a - [CrusaderSterling Pensions Rated A+(PFM) by Agusto & Co.](https://crusaderpensions.com/crusadersterling-pensions-rated-a-plus-pfm-rating-by-agusto-co/) - We are delighted to announce that CrusaderSterling Pensions has been assigned an A+(PFM) rating by Augusto & Co., a prestigious Pan-African Credit Rating Agency. This significant upgrade from our previous A rating underscores our unwavering commitment to excellence, financial stability, and sustained growth in the pension industry. Our journey to this milestone was made possible - [CrusaderSterling Pensions Pays Customers Over 1 Billion Naira as Equity Mortgage Contributions](https://crusaderpensions.com/crusadersterling-pensions-pays-customers-over-1-billion-naira-as-equity-mortgage-contributions/) - CrusaderSterling Pensions (CPL) is proud to announce that it has successfully paid over One Billion Naira to her customers as equity contributions for mortgage payments. This significant milestone highlights CPL's unwavering commitment to supporting customers in securing a peaceful and prosperous retirement. In 2024, CrusaderSterling Pensions has achieved a remarkable threefold increase in equity mortgage - [Your Money, Your Future II: Pension Management and Legacy Planning for a Secure Future. Webinar.](https://crusaderpensions.com/your-money-your-future-managing-your-finance-for-a-secure-future-webinar-by-cpl-copy/) - Watch the replay of the second edition of the Your Money, Your Future webinar series. Gain expert insights on pension remittance regulations, strategies to maximise your retirement benefits under the Contributory Pension Scheme, and the role of estate planning in achieving financial security. Discover actionable tips to optimise your savings and secure a financially stable - [CrusaderSterling Pensions Achieves ₦10 Fund 2 Price Milestone](https://crusaderpensions.com/crusadersterling-pensions-achieves-₦10-fund-2-price-milestone/) - CrusaderSterling Pensions surpasses ₦10-unit price for Fund 2, showcasing exceptional returns and a strong start to the year. Join us for trusted pension growth and financial success. - [Surviving The Times: Navigating Nigeria's Changing Macroeconomic Landscape. Webinar by CPL.](https://crusaderpensions.com/surviving-the-times-navigating-nigerias-changing-macroeconomic-landscape-webinar-by-cpl/) - As Nigeria’s macroeconomic landscape experiences waves of uncertainty, it’s crucial to equip yourself with the knowledge and strategies to successfully navigate these challenging times. This illuminating webinar delves into Nigeria’s economic fluctuations and empowers you with actionable insights to not only survive but thrive amidst the volatility. For enquiries, please call us on 08139856160, 08139856161 - [MID-YEAR 2023 UPDATE: CrusaderSterling Pensions Limited (CPL) RSA Fund Price and Returns Performance](https://crusaderpensions.com/mid-year-2023-update-crusadersterling-pensions-limited-cpl-rsa-fund-price-and-returns-performance/) - *Prices are from inception till date **Returns are on a Year-Till-Date (YTD) basis i.e January to December 31st, 2022 and January to June 30th 2023 for table 1 and 2 respectively ***Projected return at the end of the year 2023 (December, 2023) We are thrilled to announce that CrusaderSterling Pensions (CPL) has recorded an impressive - [Effective Pension Processing: Common Challenges and Solutions](https://crusaderpensions.com/effective-pension-processing-common-challenges-and-solutions/) - A well-managed pension process is crucial for maximising returns and ensuring a smooth transition into retirement. At CrusaderSterling Pensions (CPL), our goal is to help our contributors secure financial stability through consistent and effective pension savings management. Despite the structured nature of the pension management system, contributors may encounter challenges that can disrupt the seamless - [CrusaderSterling Pensions Achieves ISO Certifications for Quality and Data Security Excellence](https://crusaderpensions.com/crusadersterling-pensions-achieves-iso-certifications-for-quality-and-data-security-excellence/) - We are proud to announce that CrusaderSterling Pensions (CPL) has been awarded ISO 9001:2015 (Quality Management Systems) and ISO 27001:2022 (Information Security Management Systems) certifications. These internationally recognised standards attest to our commitment to operational excellence, premium service delivery, and robust information security of our clients' information. ISO 9001:2015 demonstrates our dedication to delivering consistent, high-quality - [CrusaderSterling Pensions Highlighted for Top Performance Across RSA Funds by Nairametrics - Best Performing Nigerian Pension Funds as of March 2025](https://crusaderpensions.com/best-performing-nigerian-pension-funds-as-of-march-2025-crusadersterling-pensions-highlighted-for-top-performance-across-rsa-funds/) - The Nigerian pension industry witnessed varied performances across different Retirement Savings Account (RSA) funds in March 2025, as sixteen Pension Fund Administrators (PFAs) posted an average return of 0.85% for the month. According to data compiled and analyzed by Nairalytics, the research arm of Nairametrics, Crusader Sterling Pensions Limited, NLPC Pensions Limited, and OAK Pensions - [Micro Pension Plan](https://crusaderpensions.com/micro-pension-plan/) - Are you a Business Owner, Freelancer or Self Employed? Plan your retirement with our Micropensions Plan - [Sterling Bank acquires 30% Stake in CrusaderSterling Pensions](https://crusaderpensions.com/sterling-bank-acquires-30-stake-in-crusadersterling-pensions/) - Sterling Bank Plc has acquired a 30 per cent stake in pension fund administrator, Crusader Pensions Limited, which has resulted in the change of the companys name to CrusaderSterling Pensions Limited. Announcing the development on Tuesday in Lagos, Managing Director, Crusader Sterling, Mr. Adewale Raji, said it would further strengthen the new pension regime in - [CrusaderSterling Pensions: 2023 Audited Accounts Summary](https://crusaderpensions.com/crusadersterling-pensions-2023-audited-accounts-summary/) - CrusaderSterling Pensions has published its 2023 corporate and pension fund audited accounts, providing a summary overview of its financial health and fund performance. This report provides a summary review and presents key financial highlights, financial ratios, fund performance, and the trend in the number of Retirement Savings Account (RSA) holders. Financial Highlights Total Revenue: The audited accounts - [CrusaderSterling Pensions commemorates World Environment Day 2024 with LAWMA](https://crusaderpensions.com/crusadersterling-pensions-commemorates-world-environment-day-2024-with-lawma/) - In celebration of World Environment Day 2024, CrusaderSterling Pensions proudly joined forces with the Lagos Waste Management Authority (LAWMA) to participate in an environmental cleaning exercise on Keffi Street, Ikoyi, Lagos. This event is a testament to our ongoing collaboration with LAWMA and our unwavering commitment to maintaining a clean and safe environment. As a - [Voluntary Contribution](https://crusaderpensions.com/voluntary-contribution/) - Take your retirement savings to the next level by making additional contributions - [Mortgage Loan](https://crusaderpensions.com/mortgage-loan/) - Own a Home before Retirement. - [Be like Rex (Our valued Customer) – Own a Home before Retirement.](https://crusaderpensions.com/be-like-rex-our-valued-customer-own-a-home-before-retirement/) - Rex is a young, employed millennial, who has been in service for some years. Over the years his employer has actively funded his pension account with us monthly while he has contributed voluntarily from time to time. Recently Rex was able to access 25% of his RSA balance for mortgage. How? Keep reading… On September - [List Of Unpaid Approval](https://crusaderpensions.com/list-of-unpaid-approval/) - Below is a list of schedule of long outstanding benefit unpaid approval. We are unable to make payment because the next of kins are unreachable. Name PIN Date Listed ADAMU JIBRIN PEN********1111 October 12, 2023 OKORO AJAH PEN********6314 October 12, 2023 SULE KASCO PEN********7816 October 12, 2023 BASHIRU SALIRU PEN********5122 October 12, 2023 - [CrusaderSterling Pensions, MD/CEO Wins Awards at The 2023 West Africa Innovation Awards](https://crusaderpensions.com/crusadersterling-pensions-md-ceo-wins-awards-at-the-2023-west-africa-innovation-awards/) - We are thrilled to announce that CrusaderSterling Pensions (CPL), a leading Pension Fund Administrator in Nigeria, has received two prestigious awards at the 2023 West Africa Innovations awards ceremony, demonstrating our unwavering dedication to excellence and customer satisfaction in the pension industry. CrusaderSterling Pensions was honored with the “Most Valuable Pension and Finance Company of - [PenCom Online Enrolment Exercise for 2024 Intending Retirees of Federal Government Treasury Funded Ministries, Departments and Agencies](https://crusaderpensions.com/pencom-online-enrolment-exercise-for-2024-intending-retirees-of-federal-government-treasury-funded-ministries-departments-and-agencies/) - This is to bring to your notice that the National Pension Commission (PenCom) has scheduled 2nd October 2023 to 31st December 2023 for the online enrolment of Employees of Federal Government Treasury Funded Ministries, Departments and Agencies (MDAs) that are due for retirement in 2024. This upcoming pre-retirement verification and enrolment exercise aims to validate - [Retirement Savings](https://crusaderpensions.com/retirement-savings/) - Secure your Future with our Retirement Savings Plan. - [Ethical Fund (Fund VI)](https://crusaderpensions.com/ethical-fund-fund-vi/) - Pension management aligned with your ethical, religious, or personal convictions. ## Pages - [Home](https://crusaderpensions.com/) - We are one of the leading pension companies in Nigeria, since 12th of October 2004. Supervised by the National Pension Commission (PENCOM). Pension Company in Nigeria. - [Funmilola Oluwajoba](https://crusaderpensions.com/management/funmilola-oluwajoba-2/) - Mrs. Funmi Oluwajoba Executive Director Operations Linkedin Mrs. Funmi Oluwajoba Funmilola is a finance professional with more than 25years working experience, which includes 8years’ in core investment management.Prior to joining CrusaderSterling Pensions, she worked with Lafarge Cement WAPCO, her extensive background include treasury and investment management, trade finance, audit and internal control.During her stay she - [Subulade Ibironke](https://crusaderpensions.com/leadership/subulade-ibironke/) - Mrs. Subulade Ibironke Giwa-Amu Independent Non-Executive Director Mrs. Subulade Ibironke Giwa-Amu Mrs. Subulade Ibironke Giwa-Amu is a seasoned business leader with over 27 years of experience in the financial services industry. Her expertise spans corporate and commercial banking, real estate finance, treasury, strategy, and business transformation.She previously served as Managing Director of FBN Mortgages, where she - [Mrs. Hannatu Dikko](https://crusaderpensions.com/leadership/mrs-hannatu-dikko-2/) - Mrs. Hannatu Dikko Non – Executive Director Linkedin Mrs. Hannatu Dikko Non – Executive DirectorMrs. Hannatu Dikko has a BSc in Political Science and MBA from Ahmadu Bello University. She also holds a Prince2 professional certification and has attended various training both locally and internationally. She started her career with Habib Nigeria Bank and has - [Leadership](https://crusaderpensions.com/leadership/) - Visionary Minds, Trusted Hands Discover our seasoned team devoted to crafting reliable retirement solutions. With their vast expertise and steadfast dedication, they steer your future with assurance. Delve into their backgrounds to understand why we stand as the premier option for a secure retirement. Wole Oshin Chairman Rotimi Adebiyi Chief Executive Officer Richard Asabia Non - [FAQs](https://crusaderpensions.com/faqs/) - FAQs General Questions When was the Pension Reform Act (PRA) enacted?The PRA was enacted in June 2004. Having implemented the PRA for a decade, a review was conducted with a view to improving various provisions based on practical experiences. Consequently, it was repealed and re-enacted in July 2014 as the Pension Reform Act of 2014. - [Toyin Oduola](https://crusaderpensions.com/management/abiodun-olajiga-2/) - Toyin Oduola Head, Marketing – South Linkedin Toyin Oduola Toyin Oduola is the Head, Marketing – South, with over 24 years of professional experience spanning marketing, human resources, business development, and corporate strategy.She joined CrusaderSterling Pensions in 2009 as Head, Human Resources, a role she held for eight years, during which she led key initiatives - [Benefit Administration](https://crusaderpensions.com/benefit-administration/) - Benefit Administration The following Benefit withdrawal modes are the various ways contributions received into RSA/Retiree accounts and Legacy/Gratuity funds can be accessed by our clients.All valid requests are processed based on the payment type due to the RSA holder at any particular time as defined by the Regulations governing the administration of the Terminal Benefits - [Management](https://crusaderpensions.com/management/) - Meet Our Management Team: The Experts Crafting Your Pension Journey Experienced pension experts, dedicated to integrity, excellence, and innovation. Leading the way to a secure and dignified retirement for you. Rotimi Adebiyi Chief Executive Officer Olufemi Dada Executive Director Business Dev Funmilola Oluwajoba Executive Director Operations Kolawole Balogun Head, Financial Control Tony Oghenerhaye Head, Marketing - [Foreign Currency Pension](https://crusaderpensions.com/foreign-currency-pension/) - Save for Your Future in US dollars($) The new Foreign Currency Pension (FCY) by the National Pension Commission (PenCom) allows Nigerians earning in dollars at home and abroad, to save and withdraw their pensions in dollars. What is the Foreign Currency Pension (FCY)? The Foreign Currency Pension (FCY) allows individuals to save for retirement in - [Personal Pension Plan](https://crusaderpensions.com/personal-pension-plan/) - Flexible Pension Plan for All Whether you are an entrepreneur, freelancer, artisan, trader, or a professional, you can save for retirement in a way that suits your income and lifestyle. Download a PDF Form Fill an Online Form What is the Personal Pension Plan (PPP)? The Personal Pension Plan (PPP) is a flexible retirement savings - [Data Recapture Exercise](https://crusaderpensions.com/data-recapture-exercise/) - Data Recapture Exercise The National Pension Commission has mandated all Retirement Savings Account (RSA) holders to update their records with their respective Pension Fund Administrators (PFAs).The Data Recapture Exercise helps ensure that contributors’ pension records are accurate, secure, and up to date, and supports the seamless administration of retirement savings, including seamless processing of pension - [Data Recapture](https://crusaderpensions.com/data-recapture-form/) - Data Recapture Form Kindly fill out the form below process your data recapture exercise Personal Details Employer Details Next of Kin Information (NOK) Document Section Name RSA PIN RSA PIN * PFA (Pension Fund Administrator) * Crusader Sterling Pensions Limited Personal Data Fill in CAPITAL LETTERS Title * Mr Mrs Miss Ms Gender * Male - [Webinar Registration](https://crusaderpensions.com/webinar/) - Registration is Now Closed, But You Haven’t Missed Out! The registration for this event has ended, but don’t worry—you can still catch all the valuable insights.Click the link below to watch the replay and stay informed! Watch Replay - [Investor Relations](https://crusaderpensions.com/investor-relations/) - [Abayomi Ajayi](https://crusaderpensions.com/management/abayomi-ajayi/) - Abayomi Ajayi Head, Contributions Linkedin Abayomi Ajayi Abayomi is an experienced Chartered Accountant with over 21 years of professional experience. Since joining the company, he has held key managerial roles across Internal Audit, Risk, Financial Control, Business Development, and Compliance.Before joining CrusaderSterling Pensions, he worked with Xerox Nigeria Limited and AIICO Pension Managers Ltd, where - [Dorcas Adeola](https://crusaderpensions.com/management/dorcas-adeola/) - Dorcas Adeola Head, Corporate Communications Linkedin Dorcas Adeola Dorcas Adeola is a Corporate Communications professional with experience developing and executing brand and marketing communication strategies that support business growth and strengthen brand positioning. Her experience spans multiple industries, including consulting, healthcare, NGOs, venture capital, agriculture, and fashion.She brings a blend of agency and in-house expertise, - [Mortgage Loan](https://crusaderpensions.com/mortgage-loan/) - Mortgage Loan The National Pension Commission (PenCom) in Section 89 (2) of the Pension Reform Act (PRA) 2014 allows RSA holders to apply 25% of their Retirement Savings Account (RSA) balance as equity contribution for residential mortgage. Download a PDF Form Fill an Online Form Total Mortgage Payment as of 12 January 2026 ₦ 0 - [Contact](https://crusaderpensions.com/contact/) - Our Offices Locate any of our offices across Nigeria for personalized pension guidance. Address, phone number, and map link included. Head Office 14B, Keffi Street, Off Awolowo Road, Ikoyi, Lagos, Nigeria 08139856160, 08139856161, 08070111996, 08070111997, 08070111998, 08070111999, 08139856162-9, 08139856170-4info@crusaderpensions.com Branch Offices Abia State: Aba Office C/O Sterling Bank, Aba Abia State08139856164, 08070111998UCHECHUKWU IKPEOHAuchechukwu.ikpeoha@crusaderpensions.com Benue State: Makurdi Office - [Mobile App](https://crusaderpensions.com/mobile-app/) - CrusaderSterling Pensions Mobile App The CrusaderSterling Pensions Mobile App allows you to take your Retirement Savings Account (RSA) with you everywhere, daily and in real-time. The Mobile App provides the following benefits; Check account balance View pension contributions Use the Pension Calculator View contact details of your Relationship Officer Review your personal details Track your - [Olusegun Atundaolu](https://crusaderpensions.com/management/olusegun-atundaolu-2/) - Olusegun Atundaolu Head, Risk Management & Control Linkedin Olusegun Atundaolu Segun has over 25 years of working experience in various fields and sectors of the economy, cutting across Training, Construction, Manufacturing, Audit, Risk, and Compliance. He started his career with Debis Nigeria Ltd in 1996 and later worked variously at Managerial level in three different - [Company Overview](https://crusaderpensions.com/company-overview/) - Who We Are CrusaderSterling Pensions isn’t just a Pension Fund Administrator (PFA); we’re your trusted partner in navigating the complexities of retirement planning. Since 2004, we’ve empowered individuals and organizations across Nigeria to build secure financial futures, one contribution at a time. Supervised by the National Pension Commission (PENCOM), we operate with the highest standards of - [About Us](https://crusaderpensions.com/about-us/) - Quality Of Life matters - About CrusaderSterling Pensions We are one of the leading Pension Fund Administrators (PFA) in Nigeria, incorporated on the 12th of October 2004. The company is supervised by the National Pension Commission (PENCOM).Our PFA is owned by these Institutional Investors: Custodian Investment Plc, Sterling Asset Management and Trust Ltd, WSTC Financial - [Retirement Pack](https://crusaderpensions.com/retirement-pack/) - Retirement Pack A Guide for Retirees under the Contributory Pension Scheme Download Publication Download Forms Introduction In line with the provisions of Section 7(1) of the Pension Reform Act (PRA) 2014, retirees are given two retirement benefit modes, which are Programmed Withdrawal {PW) and Retiree Life Annuity (RLA). Consequently, a retiree is required to choose - [Rotimi Adebiyi](https://crusaderpensions.com/leadership/rotimi-adebiyi-2/) - Rotimi Adebiyi Chief Executive Officer Linkedin Rotimi Adebiyi Mr. Rotimi Adebiyi is the Managing Director and Chief Executive Officer of CrusaderSterling Pensions Limited, bringing over twenty-five years of extensive experience in the financial services sector. He demonstrates proven track record in portfolio management across a variety of asset classes. Previously, he served as the Chief - [Forms & Downloads](https://crusaderpensions.com/forms-downloads/) - Resources Online Forms Request for a Customer Forum Schedule Appointment Request Employee Statement of Account Expression of Interest Request Statement by Email Data Recapture Form Downloads Account Opening Form Customer familiarity index (CFI) Form Guidelines on Equity Contribution for Residential Mortgage Revised Regulation on Administration of Retirement and Terminal Benefits CPS Retirement Pack Personal Details - [Online Pension Remittance](https://crusaderpensions.com/online-pension-remittance/) - Online Pension Remittance Enjoy seamless online pension remittance payments at your convenience. The online pension remittance process allows employers to remit employees’ pension payments easily and conveniently, enhancing timely crediting of employees’ RSAs, minimizing reconciliation issues, and eliminating multiple payment schedule generation. To get started, visit any of these PenCom-approved payment platforms:🔴EPCCOS 🔴PENSIONCENTRAL 🔴PAYPEN 🔴PENREMIT🔴PENSPHERE - [Retirement Savings](https://crusaderpensions.com/retirement-savings/) - Secure your future with CrusaderSterling Pensions' Retirement Savings Account in Nigeria (RSA). Start planning your dream retirement today! - [Victor Ogunleye](https://crusaderpensions.com/management/victor-ogunleye-2/) - Victor Ogunleye Head, Internal Audit Linkedin Victor Ogunleye Mr. Victor Ogunleye is a multi-talented professional Accountant, Auditor and Risk Manager with more than 25 years working experience which includes 20 years post qualification working experience.He started his Professional Career with Coopers & Lybrand now Price Waterhouse Coopers in 1994. While in the firm, he worked - [Olayemi Ogunsanya](https://crusaderpensions.com/management/olayemi-ogunsanya-2/) - Olayemi Ogunsanya Company Secretary Linkedin Olayemi Ogunsanya Olayemi Ogunsanya is the Company Secretary and Head of the Legal department. Olayemi has over 17 years of post-call working experience, both in the private and public sectors.She had previously worked as Legal Research Assistant with the Lagos State Judiciary and thereafter as Legal Officer /Partner at the - [Titilayo Odedeyi](https://crusaderpensions.com/management/titilayo-odedeyi-2/) - Titilayo Odedeyi Head, Human Resources Linkedin Titilayo Odedeyi Titilayo has over 17 years’ experience in various aspects of Human Resources spanning both the Telecommunications and Financial Services sectors.She earned a Bachelor of Arts degree in Philosophy from the University of Lagos in 2002. She also has a Certificate in Strategic Human Resources Practices from the - [Folaranmi Adedeji](https://crusaderpensions.com/folaranmi-adedeji/) - Folaranmi Adedeji Head, Investment Linkedin Folaranmi Adedeji Folaranmi has over 25 years’ experience in various multidisciplinary fields including Financial Accounting, Strategy, Internal Control, Stockbroking, and Investment.He is graduate of Economics from Obafemi Awolowo University Ile-Ife, Osun State in 1994 and a Master’s degree also in Economics from Lagos State University, Ojo in 2021.He is an - [Olusanjo Adeyemi](https://crusaderpensions.com/management/olusanjo-adeyemi-2/) - Olusanjo Adeyemi Head, Compliance Linkedin Olusanjo Adeyemi Olusanjo Adeyemi is the Head of Compliance Department. Prior to his redeployment to Compliance Department, he was the Head of Contributions Department and also served as the Head of Benefits Administration department of CrusaderSterling Pensions Limited.Prior to joining the Company, Sanjo had gained cognate experience working with Aiico - [Tony Oghenerhaye](https://crusaderpensions.com/management/tony-oghenerhaye-2/) - Tony Oghenerhaye Head, Marketing – Division 1 Linkedin Tony Oghenerhaye Tony has over two decades post NYSC experience in marketing, customer care, operations, procurement and business management with most of these at management level in multinational and reputable indigenous organization in the manufacturing and financial sectors.He presently leads the Business Development Group of CrusaderSterling Pensions - [Kolawole Balogun](https://crusaderpensions.com/management/kolawole-balogun-2/) - Kolawole Balogun Head, Financial Control Linkedin Kolawole Balogun Kolawole is an experienced Chartered Accountant who joined the Company in Year 2009 and has held several managerial responsibilities within the Company which includes Head of Investment.He has over 24 years working experience.Prior to joining the Company, Kola had gained cognate experience working with reputable companies including - [Olufemi Dada](https://crusaderpensions.com/leadership/olufemi-dada-2/) - Olufemi Dada Executive Director Business Dev Linkedin Olufemi Dada Femi is the Executive Director, Business Development for Crusader Sterling Pensions (CPL) with responsibility for sales, marketing, financial control, and investment. He has over 25 years work experience in the financial sectors of the country. He was Acting Director, Operations (overseeing operations & IT) before assuming - [Programmed Withdrawal](https://crusaderpensions.com/programmed-withdrawal/) - Enjoy a Secure Income with Programmed Withdrawal Imagine a retirement filled with financial freedom and peace of mind. Programmed Withdrawal (PW) from CrusaderSterling Pension makes this dream a reality. It’s your key to a comfortable lifestyle after years of hard work, offering flexibility, guaranteed income, and peace of mind for you and your loved ones. - [Gratuity](https://crusaderpensions.com/gratuity/) - Gratuity Gratuity is one of the retirement benefit plan where employers provide a lump sum payment to employees upon their retirement or exit from the company. This payment is typically calculated based on the employee’s salary and length of service, as a reward for their dedication and contribution to the organization.It is designed to provide - [Transfer Window](https://crusaderpensions.com/transfer-window/) - Take Control of your future Are you locked into a pension plan that doesn’t meet your expectations? Do you worry about maximizing your retirement savings potential? The good news is, you have the power to choose! With our Transfer Window service, you can effortlessly switch your Retirement Savings Account (RSA) to CrusaderSterling Pensions. Express Your - [Retiree Fund Account](https://crusaderpensions.com/retiree-fund-account/) - Secure Your Golden Years with the Retiree Fund Account Retirement is not just an ending but a new beginning. After years of dedication, it’s time to reap the rewards and enjoy your well-earned rest. Our Retiree fund Account helps you do just that, providing secure access to your pension funds while ensuring a stable income - [Multifund Structure](https://crusaderpensions.com/multifund-structure/) - The Multi-fund Structure Providing greater choice and control to contributors on how their pension funds are invested. Request for Fund Movement The Multi-fund Structure for RSA Funds was conceived by the National Pension Commission (PenCom) and implemented effective July 1, 2018, to align contributors’ risk appetite with their investment horizon, at every stage of their - [Data Privacy Policy](https://crusaderpensions.com/data-privacy-policy/) - Data Privacy Policy 1.0 Introduction1.1 Pursuant to its statutory mandate of administering the pension of contributors and retirees under the Contributory Pension Scheme (CPS) in Nigeria, CrusaderSterling Pensions Limited (the PFA) collects and keeps in custody, the personal data of pension contributors, retirees and their related persons, such as beneficiaries and next-of-kins and their employers. - [Whistle Blowing](https://crusaderpensions.com/whistle-blowing/) - Whistle Blowing Discover all you need to know about our whistle blowing policy Conduct & Ethics To sustain those principles, we are committed to uphold the Company Code of Conduct which describes our focus on compliance with all relevant laws and regulations and provides guarantees of safety and probity for employees, customers, partners and other stakeholders. - [Richard Asabia](https://crusaderpensions.com/leadership/richard-asabia/) - Richard Asabia Non – Executive Director Linkedin Richard Asabia Mr. Asabia is a graduate of the London School of Economics (University of London) and a graduate of the University of Wales, Cardiff, the United Kingdom.He holds a Bachelor’s degree in Law and a Master’s Degree in Business Administration. He is a qualified Barrister and a - [Wole Oshin](https://crusaderpensions.com/leadership/wole-oshin-2/) - Wole Oshin Chairman Linkedin Wole Oshin Mr. Oshin is an Industry leader with over thirty (30) years’ experience and has at various times been a member of the Presidential Committee on Pensions Reforms and Chairman of the Nigerian Insurers Association.He is a graduate of Actuarial Science from the University of Lagos and a Chartered Insurer - [Advisory Request Form - HPV](https://crusaderpensions.com/advisory-request-form-hpv/) - Advisory Request Form Kindly fill out the form below to have one of our Advisors contact you. Name Full Name * Phone Number * Email * Prefered Means of Communication: : Email/Phone Call Phone Call Email Preferred Date (Optional) - [Mobile App Data Deletion Request Form](https://crusaderpensions.com/mobile-app-data-deletion-request-form/) - Crusader Mobile: Data Deletion request Form Kindly fill out the form below to request for data deletion from our application platform Name PIN * Full Name * Phone Number * Email Date of Birth * Reason for Deletion * No longer Needed Switching or switched to another service Technical Issues Customer Support Issues Other Others - [Feedback Form - Hyper Personalised Video Advisor](https://crusaderpensions.com/feedback-form-hyper-personalised-video-advisor/) - Feedback Form Kindly fill out the form to share your feedback on the video advisor. Company Full Name * Email * Phone Number * Did you find the video helpful? * Did you find the video Helpful? Yes No Partially How would you rate your experience? * Message/Comments - [Hyper-personalized Video Advisor - Feedback Form](https://crusaderpensions.com/hyper-personalized-video-advisor-feedback-form/) - [Insights](https://crusaderpensions.com/insights/) - Insights Welcome to the Insight section of Crusader Pensions, your one-stop shop for navigating the exciting, yet sometimes complex, world of retirement planning. Here, we’ll shed light on everything from understanding basic pension fund administration to optimizing your contributions for a future filled with financial security. CrusaderSterling Pensions Achieves ₦1 Trillion AUM, Marks 20 Years - [In The News](https://crusaderpensions.com/in-the-news/) - In The News In The News FBNQuest Merchant Bank Confirms Acquisition by EverQuest Acquisition LP December 15, 2025By:CrusaderSterling PensionsCrusaderSterling PensionsISO 9001:2015ISO certificationISO/IEC 27001:2022Pension Fund AdministratorPension in NigeriaPensions NewsPFA FBNQuest Merchant Bank has announced the completion of its ownership transition, following the sale of… Read Article In The News CrusaderSterling Pensions Highlighted for Top Performance Across - [Updates](https://crusaderpensions.com/updates/) - Updates FeaturedUpdate CrusaderSterling Pensions Achieves ₦1 Trillion AUM, Marks 20 Years of “Creating Wealth for Retirement” February 26, 2026By:CrusaderSterling Pensions₦1 trillion AUM1 trillion assets under managementContributory Pension SchemeContributory Pension Scheme NigeriaCrusaderSterling PensionsPension Fund Administrator NigeriaPensions NewsRetirement wealth creation CrusaderSterling Pensions is pleased to announce that it now manages over ₦1 trillion in pension… Read Article - [Webinars](https://crusaderpensions.com/webinars/) - Webinars Join our Webinars! Learn from leading experts on retirement planning, investment strategies, and navigating the pension landscape in Nigeria. Register today and secure your spot! Webinar Pensions for All: Insights into The Foreign Currency Pension (FCY) and Personal Pension Plan (PPP) April 7, 2026By:CrusaderSterling PensionsFCY pensionforeign currency pension Nigeriapension for self employed Nigeriapension plan - [Press Release](https://crusaderpensions.com/press-release/) - Press Release Stay informed with the latest industry news, company updates, and press releases. Discover how we’re shaping the future of retirement planning in Nigeria. FeaturedPress Release CrusaderSterling Pensions Pays Customers Over 1 Billion Naira as Equity Mortgage Contributions July 29, 2024By:CrusaderSterling Pensions CrusaderSterling Pensions (CPL) is proud to announce that it has successfully paid - [Blog](https://crusaderpensions.com/blog/) - Blog Blog What You Must Know About The Personal Pension Plan. April 9, 2026By:CrusaderSterling PensionsPensionpension company in NigeriaPension in NigeriaPersonal pension planpersonal pension plan Nigeria If you already have a Retirement Savings Account (RSA), you are on the right track… Read Article Blog Women, Wealth & Retirement: Securing Tomorrow With Strength and Intention. March 6, - [Test Home](https://crusaderpensions.com/test-home/) - [API Test](https://crusaderpensions.com/api-test/) - Fund 1 ₦3.6173 Fund 2 ₦14.9563 Fund 3 ₦3.3165 Fund 4 ₦8.7916 Fund 5 ₦2.1251 Fund 6 – Active ₦2.5342 Fund 6 – Retiree ₦1.5327 Our Master Pension Plans, Designed Uniquely for You. Open an Account Today Mortgage Loan Secure your Future with our Retirement Savings Plan Learn More ➜ Micro Pension Plan Secure your - [Cookie Policy](https://crusaderpensions.com/cookie-policy/) - Our Cookie Policy This Cookie Policy outlines how we use cookies and the options available to you. Unless otherwise specified in this Policy, our Privacy Policy governs the processing of data collected via cookies. You can view our Privacy Policy here.By using our website and other digital platforms (such as clicking, navigating, or scrolling), you - [Careers](https://crusaderpensions.com/careers/) - Let’s do great things together At CrusaderSterling Pensions, you’re not just filling a position, you’re joining a mission. We believe our people are our greatest asset, and we invest in their success.Our team thrives on creativity, innovative thinking, and a drive to deliver excellence. Our people make us different! We are energetic, self-driven, and passionate - [Ethical Fund (Fund VI)](https://crusaderpensions.com/ethical-fund-fund-vi/) - Align Your Pension with Your Values Contributors who want their pensions managed in accordance with their moral, faith, belief and values are invited to join our Non-Interest fund, otherwise known as Fund VI.The PRA2014 makes it mandatory for every employee of labour to open a retirement savings account. This is called the defined contributory scheme - [Sunday Omohwovo](https://crusaderpensions.com/management/sunday-omohwovo-2/) - Sunday Omohwovo Head, Information Technology Linkedin Sunday Omohwovo Sunday Omohwovo heads the Information Technology team at CrusaderSterling Pensions Limited. He has over 20 years post qualification experience as an ICT consultant working with INLAKS Computers Limited, Headed the Nigerian Navy Information Technology Department at NNS Quorra, Apapa and ran the Eddiesoft Business Systems prior to - [Olufemi Odukoya](https://crusaderpensions.com/leadership/olufemi-odukoya-2/) - Olufemi Odukoya Executive Director, Operations Linkedin Olufemi Odukoya Mr. Odukoya is a Fellow of the Institute of Chartered Accountants of Nigeria (ICAN), an Associate Member of the Chartered Institute of Stockbrokers (CIS) and a graduate of Business Administration.His experience spans over three decades of work in the Manufacturing, Insurance, Banking and Pensions Industry.Femi joined CrusaderSterling - [Rotimi Okpaise](https://crusaderpensions.com/leadership/rotimi-okpaise-2/) - Rotimi Okpaise Independent Non-Executive Director Linkedin Rotimi Okpaise Rotimi Okpaise is an Actuary with over 30 years consulting experience. He has been the Statutory Actuary to many leading Insurers across West Africa. He has also been the Reporting Actuary to four CPFA’s and the Pension Schemes of both NNPC and PenCom.Rotimi recently retired from Ernst - [Segun Oluyori](https://crusaderpensions.com/leadership/segun-oluyori-2/) - Segun Oluyori Non – Executive Director Linkedin Segun Oluyori Mr. Oluyori is a seasoned banker with over 30 year’s cognate experience, he is currently the Group Managing Director of Sterling Assets Management and Trustees Limited.He is an alumnus of various Business Schools, He holds a B.Sc. Economics degree, an MBA, M.Sc. Economics, M.Sc. Corporate Governance - [Olujide Johnson](https://crusaderpensions.com/management/olujide-johnson-2/) - Olujide Johnson Head, Benefit Administration Linkedin Olujide Johnson Mr Olujide Johnson is a seasonal accountant with over sixteen years of experience in the insurance and pension sectors. He worked as a fund accountant with CrusaderSterling Pensions for a decade before being named Head of Benefit Administration. Prior to joining CrusaderSterling Pensions in 2012, he worked - [Fund History](https://crusaderpensions.com/fund-history/) - Fund History Fund History Page where we give insights on past RSA funds. RSA Fund I Price history for the past 365 Days View TableFund I id date Date Price 491,298 10/08/2025 12:00 AM 10/08/2025 2.7577 491,332 11/08/2025 12:00 AM 11/08/2025 2.7655 491,379 12/08/2025 12:00 AM 12/08/2025 2.7696 491,404 13/08/2025 12:00 AM 13/08/2025 2.7661 491,433 - [EPCCOS Payment](https://crusaderpensions.com/epccos-payment/) - EPCCOS Payment The Electronic Pension Contribution Collection System (EPCCOS) is a web-based self-service pension management system that aids seamless pension contribution remittances, minimizes reconciliation issues, timely crediting of employees’ RSA, enables employers to comply with the contributory pension scheme, and eliminates the burden of generating multiple schedules. To register for EPCCOS: Log in to the - [Request an Advisory Executive](https://crusaderpensions.com/request-an-advisory-executive/) - Request an Advisory Executive We have seasoned and well-trained professionals that will guide, advise and answer all your concerns on Pension matters. Kindly complete the form below to have access to one of our executives. Url Company Name Sector Location/Address PDO/Contact Phone Number Proposed Date Proposed Time Proposed Venue - [Request Statement by Email](https://crusaderpensions.com/request-statement-by-email/) - Request Statement by Email Web Site Name Date of Birth Organisation RSA Pin Email Address - [Expression of Interest](https://crusaderpensions.com/expression-of-interest/) - Expression of Interest Express your interest here Web Site Surname First Name Middle Name Phone Number Email Address Employee Name PIN Current PFA Bank Verication Number (BVN) - [Request Employee Statement](https://crusaderpensions.com/request-employee-statement/) - Request Employee Statement Do you need a statement of account for your organization? Please complete the form below Phone Company Name Sector Location/Address PDO/Contact Phone Number Proposed Date Proposed Time Proposed Venue - [Schedule Appointment](https://crusaderpensions.com/schedule-appointment/) - Schedule Appointment We have made it easier to for all our clients to reach out to us at any point in time. Please complete the form below to schedule an appointment at your convenience. Phone Name Company Name Sector Location Phone Number Desired Date For Meeting - [Request a Forum](https://crusaderpensions.com/request-a-forum/) - Request a Forum Please take advantage of our periodic interactive session with our contributors by completing the form below Name Company Name Sector Location/Address PDO/Contact Phone Number Proposed Date Proposed Time Proposed Venue - [Budget Planner](https://crusaderpensions.com/budget-planner/) - CrusaderSterling Pensions Budget Planner This budget planner enables you to:Work out how your pensions income will be spentSee a summary of your spending decisions as they reflect on your pensions income - [Notices](https://crusaderpensions.com/notices/) - Notices Stay informed about the latest changes, regulations, and developments relevant to your pension plan. Explore our Notices section for crucial information and updates. List Of Unpaid Approval Read now - [Jobs](https://crusaderpensions.com/job-openings/) - [Financial Reports](https://crusaderpensions.com/financial-reports/) - [Pension Reform Act 2014](https://crusaderpensions.com/pension-reform-act-2014/) - [Public Notice on abuse of the Pensions Scheme](https://crusaderpensions.com/public-notice-on-abuse-of-the-pensions-scheme/) - [Pension Fund Operators Association of Nigeria](https://crusaderpensions.com/pension-fund-operators-association-of-nigeria/) - [National Pension Commission](https://crusaderpensions.com/daily-unit-prices-2/) - [Legal Notice](https://crusaderpensions.com/legal-notice/) - [Privacy Statement](https://crusaderpensions.com/privacy-statement/) - [Daily Unit Prices](https://crusaderpensions.com/daily-unit-prices/) - [Services](https://crusaderpensions.com/services/) ## My Templates - [Corporate Governance Report (Investors Relations)](https://crusaderpensions.com/?elementor_library=corporate-governance-report-investors-relations) - Corporate Governance Report Annual Report December 2025 Download File Corporate Governance December 2025 Download File Annual Report December 2024 Download File Corporate Governance Report December 2024 Download File Corporate Governance Report December 2023 Download File Corporate Governance Report December 2022 Download File Corporate Governance Report December 2021 Download File Corporate Governance Report December 2020 Download - [PPP (FAQs)](https://crusaderpensions.com/?elementor_library=ppp-faqs) - 1. What is the Personal Pension Plan (PPP)? The Personal Pension Plan (PPP) is a flexible pension arrangement introduced by the National Pension Commission (PenCom) to help self-employed individuals, informal sector workers, and employees make personal or additional pension contributions towards their retirement. It replaces the previous Micro Pension and Voluntary Contributions Plans and offers - [FCY (FAQs)](https://crusaderpensions.com/?elementor_library=fcy-faqs) - 1. Who can make foreign currency pension contributions?Nigerians living and working abroad,Nigerians and foreigners working in Nigeria for international companies and earning wholly or partly in foreign currency 3. How do I remit?Nigerians abroad: Remit from your Non-Resident Nigerian Ordinary Account (NRNOA) to your PFA’s foreign currency collection account.Nigerians in Nigeria: Remit from your domiciliary - [Seven Days Asset Allocation (Investors Relations)](https://crusaderpensions.com/?elementor_library=seven-days-asset-allocation-investors-relations) - Seven Days Asset Allocation July 2026 RSA I CPL RSA FUND I –1st July– 9th July, 2026 RSA II CPL RSA FUND II –1st July– 9th July, 2026 RSA III CPL RSA FUND III –1st July– 9th July, 2026 RSA IV CPL RSA FUND IV –1st July– 9th July, 2026 June 2026 RSA I CPL - [July 2026 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=july-2026-seven-days-asset-allocation) - RSA I CPL RSA FUND I –1st July– 9th July, 2026 RSA II CPL RSA FUND II –1st July– 9th July, 2026 RSA III CPL RSA FUND III –1st July– 9th July, 2026 RSA IV CPL RSA FUND IV –1st July– 9th July, 2026 - [Fund Management Report](https://crusaderpensions.com/?elementor_library=fund-management-report) - Fund Management Report Fund Manager Report June 2026 Download Report Fund Manager Report May 2026 Download Report Fund Manager Report April 2026 Download Report Fund Manager Report March 2026 Download Report Fund Manager Report February 2026 Download Report Fund Manager Report January 2026 Download Report Fund Manager Report December 2025 Download Report Fund Manager Report - [June 2026 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=june-2026-seven-days-asset-allocation) - RSA I CPL RSA FUND I –3rd June– 11th June, 2026CPL RSA FUND I –10th June– 15th June, 2026CPL RSA FUND I –17th June– 25th June, 2026CPL RSA FUND I –24th June– 2nd July, 2026 RSA II CPL RSA FUND II –3rd June– 11th June, 2026CPL RSA FUND II –10th June– 15th June, 2026CPL RSA - [May 2026 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=may-2026-seven-days-asset-allocation) - RSA I CPL RSA FUND I –29th April– 7th May, 2026CPL RSA FUND I –6th May– 14th May, 2026CPL RSA FUND I –13th May– 21st May, 2026CPL RSA FUND I –27th May– 4th June, 2026 RSA II CPL RSA FUND II –29th April– 7th May, 2026CPL RSA FUND II –6th May– 14th May, 2026CPL RSA - [April 2026 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=april-2026-seven-days-asset-allocation) - RSA I CPL RSA FUND I –25th March– 2nd April, 2026CPL RSA FUND I –1st April– 9th April, 2026CPL RSA FUND I –8th April– 16th April, 2026CPL RSA FUND I –15th April– 23rd April, 2026CPL RSA FUND I –22nd April– 30th April, 2026 RSA II CPL RSA FUND II –25th March– 2nd April, 2026CPL RSA - [Features (Voluntary Contributions)](https://crusaderpensions.com/?elementor_library=features-voluntary-contributions) - Contributions can be made in foreign currency (US dollars). Contributors can choose to receive retirement benefits in foreign currency or convert to Naira at retirement or withdrawal Investments are guided by PenCom regulations, and managed by licensed Pension Fund Administrators (PFAs). Secure custodial arrangements with regulated pension custodians. - [Other Eligibility Categories (Micro Pension Plan)](https://crusaderpensions.com/?elementor_library=other-eligibility-categories-micro-pension-plan) - Self-employed individuals and entrepreneurs. Freelancers, artisans, and informal sector workers. Traders, transport operators, creatives, and gig workers. Formal sector employees seeking additional voluntary contributions. - [Who is Eligible? (Micro Pension)](https://crusaderpensions.com/?elementor_library=who-is-eligible-micro-pension) - Financial independence in retirement: Builds savings over time. Contribution flexibility: Pay when you earn. Partial withdrawal options: Access to a portion of savings under approved conditions. Tax advantages: Potential tax benefits where applicable. Inclusive pension coverage: Extends pension benefits to millions of informal workers. - [Requirements (Voluntary Contributions)](https://crusaderpensions.com/?elementor_library=requirements-voluntary-contributions) - Domiciliary account for resident Nigerians Non-Resident Nigerian Ordinary account (for Nigerians abroad) - [Who Needs This Plan? (Voluntary Contributions)](https://crusaderpensions.com/?elementor_library=who-needs-this-plan-voluntary-contributions) - Nigerians living and working abroad. Nigerians and expatriates, resident in Nigeria earning income in foreign currency (US dollars). - [Benefits (Voluntary Contributions)](https://crusaderpensions.com/?elementor_library=benefits-voluntary-contributions) - Currency protection: Shields retirement savings from local currency volatility. Flexibility: Contributors can decide how they receive their benefits at retirement. Global investment exposure: Opportunity for portfolio diversification and potential growth. Diaspora inclusion: Enables Nigerians abroad to participate in the Contributory Pension Scheme (CPS) Long-term wealth preservation: Helps maintain purchasing power in retirement. - [March 2026 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=march-2026-seven-days-asset-allocation) - RSA I CPL RSA FUND I –25th February– 5th March, 2026CPL RSA FUND I –4th March– 12th March, 2026CPL RSA FUND I –10th March– 18th March, 2026CPL RSA FUND I –16th March– 26th March, 2026 RSA II CPL RSA FUND II –25th February– 5th March, 2026CPL RSA FUND II –4th March– 12th March, 2026CPL RSA - [Webinar Registration Closed](https://crusaderpensions.com/?elementor_library=webinar-registration-closed) - Registration is Now Closed, But You Haven’t Missed Out! The registration for this event has ended, but don’t worry—you can still catch all the valuable insights.Click the link below to watch the replay and stay informed! Watch Replay - [February 2026 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=february-2026-seven-days-asset-allocation) - RSA I CPL RSA FUND I –28th January– 5th February, 2026CPL RSA FUND I –4th February– 12th February, 2026CPL RSA FUND I –11th February– 19th February, 2026CPL RSA FUND I –18th February– 26th February, 2026 RSA II CPL RSA FUND II –28th January– 5th February, 2026CPL RSA FUND II –4th February– 12th February, 2026CPL RSA - [Fund Membership (The Multi-Fund Structure)](https://crusaderpensions.com/?elementor_library=fund-membership-the-multi-fund-structure) - Membership of Fund I - Strictly by formal request of RSA holders who are 49 years and below. Membership of Fund II - Default fund for active Contributors who are 49 years and below. Membership of Fund III - Active Contributors who are 50 years and above. Membership of Fund IV - Strictly for RSA - [January 2026 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=january-2026seven-days-asset-allocation) - RSA I CPL RSA FUND I –31st December– 8th January, 2026CPL RSA FUND I –7th January – 15th January, 2026CPL RSA FUND I –14th January – 22nd January, 2026CPL RSA FUND I –21st January – 29th January, 2026 RSA II CPL RSA FUND II –31st December– 8th January, 2026CPL RSA FUND II –7th January – - [Enbloc Withdrawal (Benefit Administration)](https://crusaderpensions.com/?elementor_library=enbloc-withdrawal-benefit-administration) - Enbloc benefit payment means the entire fund in the retiree’s RSA is paid to the Contributor. It is a one-off retirement benefit paid to a retiree whose Consolidated RSA balance is below a threshold, specified by the Commission from time to time.Key documents required are: Application Letter Retirement letter or resignation letter. Age declaration/Birth certificate. 2 - [December 2025(Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=december-2025seven-days-asset-allocation) - RSA I CPL RSA FUND I –3rd December– 11th December, 2025CPL RSA FUND I –10th December– 18th December , 2025CPL RSA FUND I –17th December– 24th December , 2025CPL RSA FUND I –24th December– 1st January , 2026 RSA II CPL RSA FUND II –3rd December– 11th December, 2025CPL RSA FUND II –10th December– 18th - [November 2025(Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=november-2025seven-days-asset-allocation) - RSA I CPL RSA FUND I –29th October– 6th November, 2025CPL RSA FUND I –5th November– 13th November , 2025CPL RSA FUND I –12th November– 20th November, 2025CPL RSA FUND I –19th November– 27th November, 2025CPL RSA FUND I –26th November– 4th December, 2025 RSA II CPL RSA FUND II –29th October– 6th November, 2025CPL - [October 2025(Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=october-2025seven-days-asset-allocation) - RSA I CPL RSA FUND I –1st October– 9th October, 2025CPL RSA FUND I –8th October– 16th October, 2025CPL RSA FUND I –15th October– 23rd October, 2025CPL RSA FUND I –22rd October– 30th October, 2025 RSA II CPL RSA FUND II –1st October– 9th October, 2025CPL RSA FUND II –8th October– 16th October, 2025CPL RSA - [Consented Enbloc Withdrawal (Benefit Withdrawal)](https://crusaderpensions.com/?elementor_library=consented-enbloc-withdrawal-benefit-administration) - The consented En-bloc payment is a benefit payment type accessed by existing retirees on programmed withdrawal, whose monthly pensions are less than one-third of the minimum wage, that is, less than N23,333.00 (Twenty-Three Thousand, Three Hundred and Thirty-Three Naira).It is captioned as “consented” because the eligible retirees can choose to access their balance En bloc - [September 2025(Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=september-2025seven-days-asset-allocation) - RSA I CPL RSA FUND I –4th September– 12th September, 2025CPL RSA FUND I –11th September– 19th September, 2025CPL RSA FUND I –17th September– 25th September, 2025CPL RSA FUND I –24th September– 2nd October, 2025 RSA II CPL RSA FUND II –4th September– 12th September, 2025CPL RSA FUND II –11th September– 19th September, 2025CPL RSA - [August 2025(Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=august-2025seven-days-asset-allocation) - RSA I CPL RSA FUND I –30th July– 7th August, 2025CPL RSA FUND I –6th August– 14th August, 2025CPL RSA FUND I –13th August– 21th August, 2025CPL RSA FUND I –20th August– 28th August, 2025 RSA II CPL RSA FUND II –30th July– 7th August, 2025CPL RSA FUND II –6th August– 14th August, 2025CPL RSA - [Webinar Registration Open](https://crusaderpensions.com/?elementor_library=webinar-registration-open) - Kindly fill the form below to register for the Webinar. Full Name * Email * Phone Number * Location(State) * Organisation * Are you a client of CrusaderSterling Pensions(CPL)? * Yes No Have you attended any of our previous webinar? * Yes No How did you get to know about the webinar? * How did - [Annual Report (Investors Relations)](https://crusaderpensions.com/?elementor_library=annual-report-investors-relations) - Annual Report FUND I - IV 2024 Download File FUND IV 2023 Download File FUND III 2023 Download File FUND II 2023 Download File FUND I 2023 Download File FUND IV 2022 Download File FUND III 2022 Download File FUND II 2022 Download File FUND I 2022 Download File FUND IV 2021 Download File FUND - [July 2025(Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=july-2025seven-days-asset-allocation) - RSA I CPL RSA FUND I –2nd July– 10th July, 2025CPL RSA FUND I –9th July– 17th July, 2025CPL RSA FUND I –16th July– 24th July, 2025CPL RSA FUND I –23rd July– 31st July, 2025 RSA II CPL RSA FUND II –2nd July– 10th July, 2025CPL RSA FUND II –9th July– 17th July, 2025CPL RSA - [June 2025(Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=june-2025seven-days-asset-allocation) - RSA I CPL RSA FUND I –28th May– 5rd June, 2025CPL RSA FUND I –4th June– 12th June, 2025CPL RSA FUND I –11th June– 19th June, 2025CPL RSA FUND I –18th June– 26th June, 2025CPL RSA FUND I –25th June– 3rd July, 2025 RSA II CPL RSA FUND II –28th May– 5rd June, 2025CPL RSA - [Share Holders Engagement Policy (Investors Relations)](https://crusaderpensions.com/?elementor_library=share-holders-engagement-policy-investors-relations) - Share Holders Engagement Policy Share Holder Engagement Policy Dec 2024 Download File Share Holder Engagement Policy Dec 2023 Download File Share Holder Engagement Policy Dec 2021 Download File - [Financial Information (Investors Relations)](https://crusaderpensions.com/?elementor_library=financial-information-investors-relations) - Financial Information Audited Accounts 2024 December 2024 Download File Audited Accounts 2023 December 2023 Download File Audited Accounts 2022 December 2022 Download File Audited Accounts 2021 December 2021 Download File Five Year Financial Summary December 2020 Download File Audited Accounts 2020 December 2020 Download File Audited Accounts 2019 December 2019 Download File Audited Accounts 2018 - [PENSIONCENTRAL](https://crusaderpensions.com/?elementor_library=pensioncentral) - Visit: https://pensioncentral.ng/ For new users, click on ‘Get Started’ Select 'For Corporate' or 'For HRs' Complete the account creation form to create your account Check your email for a successful registration email Click the link in the email to sign in For existing users; click on ‘Login’ Enter your email address and password Download and - [Pencoo.](https://crusaderpensions.com/?elementor_library=pencco) - Visit https://employer.gemscloud.app/login For new users, click on ‘Employer Registration’, Complete the details in the registration form Click on 'REGISTER' Check the email provided for the email verification email Complete the verification Continue as an existing user using the steps below For existing users: Enter your username and password Click on 'Log in' Click on 'Contributions' in - [Services Type Loop Items](https://crusaderpensions.com/?elementor_library=services-type-loop-items) - Services Type Loop Items Secure your Future with our Retirement Savings Plan Learn More ➜ - [May 2025(Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=may-2025seven-days-asset-allocation) - RSA I CPL RSA FUND I –30th April– 8th May, 2025CPL RSA FUND I –7th May– 15th May, 2025CPL RSA FUND I –14th May– 22nd May, 2025CPL RSA FUND I –21st May– 29th May, 2025 RSA II CPL RSA FUND II –30th April– 8th May, 2025CPL RSA FUND II –7th May– 15th May, 2025CPL RSA - [April 2025(Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=april-2025seven-days-asset-allocation) - RSA I CPL RSA FUND I –26th March– 3rd April, 2025CPL RSA FUND I –2nd April– 10th April, 2025CPL RSA FUND I –9th April– 17th April, 2025CPL RSA FUND I –16th April– 24th April, 2025CPL RSA FUND I –23th April– 1st May, 2025 RSA II CPL RSA FUND II –26th March– 3rd April, 2025CPL RSA - [March 2025(Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=march-2025seven-days-asset-allocation) - RSA I CPL RSA FUND I –26th February – 6th March, 2025CPL RSA FUND I –5th March– 13th March, 2025CPL RSA FUND I –12th March– 20th March, 2025CPL RSA FUND I –19th March– 27th March, 2025 RSA II CPL RSA FUND II –26th February – 6th March, 2025CPL RSA FUND II –5th March– 13th March, - [February 2025(Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=february-2025seven-days-asset-allocation) - RSA I CPL RSA FUND I –29th January– 6th February, 2025CPL RSA FUND I –5th February – 15th February, 2025CPL RSA FUND I –12th February– 18th February, 2025CPL RSA FUND I –19th February– 27th February, 2025 RSA II CPL RSA FUND II –29th January– 6th February, 2025CPL RSA FUND II –5th February – 15th February, - [January 2025(Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=january-2025seven-days-asset-allocation) - RSA I CPL RSA FUND I –1st January – 9th January, 2025CPL RSA FUND I –8th January – 16th January, 2025CPL RSA FUND I –15th January – 21st January, 2025CPL RSA FUND I –22nd January – 30th January, 2025 RSA II CPL RSA FUND II –1st January – 9th January, 2025CPL RSA FUND II –8th - [December 2024(Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=december-2024seven-days-asset-allocation) - RSA I CPL RSA FUND I –4th December– 12th December, 2024CPL RSA FUND I –11th December– 19th December, 2024CPL RSA FUND I –18th December– 26th December, 2024CPL RSA FUND I –25th December 2024 – 2nd January, 2025 RSA II CPL RSA FUND II –4th December– 12th December, 2024CPL RSA FUND II –11th December– 19th December, - [November 2024(Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=november-2024seven-days-asset-allocation) - RSA I CPL RSA FUND I –30th October– 7th November, 2024CPL RSA FUND I –6th November– 14th November, 2024CPL RSA FUND I –13th November– 21st November, 2024CPL RSA FUND I –20th November– 28th November, 2024CPL RSA FUND I –27th November– 5th December, 2024 RSA II CPL RSA FUND II –30th October– 7th November, 2024CPL RSA - [October 2024 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=october-2024-seven-days-asset-allocation) - RSA I CPL RSA FUND I –2nd October– 10th October, 2024CPL RSA FUND I –9th October– 17th October, 2024CPL RSA FUND I –16th October– 24th October, 2024CPL RSA FUND I –23th October– 30th October, 2024 RSA II CPL RSA FUND II –2nd October– 10th October, 2024CPL RSA FUND II –9th October– 17th October, 2024CPL RSA - [September 2024 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=september-2024-seven-days-asset-allocation) - RSA I CPL RSA FUND I –28th August– 5th September, 2024CPL RSA FUND I –4th September– 12th September, 2024CPL RSA FUND I –11th September– 19th September, 2024CPL RSA FUND I –18th September– 26th September, 2024CPL RSA FUND I –25th September– 3rd October, 2024 RSA II CPL RSA FUND II –28th August– 5th September, 2024CPL RSA - [August 2024 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=august-2024-seven-days-asset-allocation) - RSA I CPL RSA FUND I –31st July – 8th August, 2024CPL RSA FUND I –7th August – 15th August, 2024CPL RSA FUND I –14th August – 22nd August, 2024CPL RSA FUND I –21st August – 29th August, 2024 RSA II .,CPL RSA FUND II –31st July – 8th August, 2024CPL RSA FUND II –7th - [April 2024 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=april-2024-seven-days-asset-allocation) - RSA I CPL RSA FUND I –27th March – 8th April, 2024CPL RSA FUND I –5th April – 18th April, 2024CPL RSA FUND I –17th April – 25th April, 2024 RSA II CPL RSA FUND II –27th March – 8th April, 2024CPL RSA FUND II –5th April – 18th April, 2024CPL RSA FUND II –17th - [Objectives (EPCCOS)](https://crusaderpensions.com/?elementor_library=epccos-payment-template) - Log in to the EPCCOS portal via the internet at https://epccos.nibss-plc.com.ng/EPCCOS/login For existing users, click on ‘Login’ and follow the instructions For new users, click on employer registration. Enter your employer’s code. Enter a valid email address. Click register. You will receive an activation mail, double click to access the employer’s registration page. Input employer’s - [PenSphere](https://crusaderpensions.com/?elementor_library=pensphere) - Visit https://pensphere.ng/ For new users, click on ‘Get Started’, Enter your email address An OTP will be sent to the email. Open your email and click the link in the email to continue your registration Enter the OTP and other details in the "Get onboard" form and click 'Continue' Enter your account admin details Your login - [PENPAY](https://crusaderpensions.com/?elementor_library=penpay) - Visit https://www.paypen.ng/ For new users, click on ‘Company Registration’, Complete the registration form, and submit Click on the link in the welcome message sent to your registered Email to activate your profile. Log in as an existing user using the steps below. For existing users, click on ‘Login’ Click on 'Make Pension Remittance' Choose your - [PenRemit](https://crusaderpensions.com/?elementor_library=penremit) - Visit https://penremit.ng/ For new users, click on ‘Employer?Sign Up Here’, Enter your PenCom Employer Code or Employer's name Click on 'Verify' Log in as an existing user using the steps below. For existing users, click on ‘Login here’ Enter your username and password Click on 'Sign in' Click on 'Template' to download a template for - [Objectives (The Multi-Fund Structure)](https://crusaderpensions.com/?elementor_library=objectives-the-multi-fund-structure) - Achieve optimum returns for contributors by aligning their pension savings with their individual risk/return profile. Provide investment portfolio choices to contributors. Enhance the safety of pension assets through adequate portfolio diversification - [Features Of Programmed Withdrawal (Retirement Account)](https://crusaderpensions.com/?elementor_library=features-of-programmed-withdrawal-retirement-account) - A periodic (monthly or quarterly) pension payment to a retiree. The balance in the Retirees account continues to be invested, giving it the potential for growth. Programmed withdrawal computation is based on the standard template given by the National Pension Commission (PenCom). Pays Pension for life with increased income. PW is Secured, Safe & regulated - [contact without removals](https://crusaderpensions.com/?elementor_library=contact-without-removals) - Our Offices Locate any of our offices across Nigeria for personalized pension guidance. Address, phone number, and map link included. Head Office 14B, Keffi Street, Off Awolowo Road, Ikoyi, Lagos, Nigeria +234 2012713800 – 4 info@crusaderpensions.com Regional Offices Abuja Office No 48 Aguiyi Ironsi way, Oakland Center, Ground floor, Maitama Abuja.09169840401, 09169850414, 08069170037NUHU IDAJILI nuhu.idajili@crusaderpensions.com - [Available Options and Conditions (The Multi-Fund Structure)](https://crusaderpensions.com/?elementor_library=available-options-and-conditions-the-multi-fund-structure) - For contributors choosing the funds in which they desire to be, the following shall apply: An active Contributor in Fund II who wishes to be assigned to Fund I shall make a formal request to his/her PFA. An active Contributor to Fund III who wishes to be assigned to Fund II shall make a formal - [Types of fund Classes (The Multi-Fund Structure)](https://crusaderpensions.com/?elementor_library=types-of-fund-classes-the-multi-fund-structure) - Fund Type Fund Membership Maximum exposure to variable income instruments Risk Level Objective Fund I Strictly by formal request from Active Contributors who are 49years and below. 95% of Portfolio Value High risk, with a greater allocation to variable income assets like equities Designed for aggressive growth, Fund I aim for higher returns but carries - [Benefits (The Multi-Fund Structure)](https://crusaderpensions.com/?elementor_library=benefits-the-multi-fund-structure) - Provide greater choice and control to contributors on how their pension funds are invested. Increased investment in Alternative assets which will essentially protect against inflation and help to facilitate improved returns over the long term. Provide for investment strategies that will better diversify risk and sustain returns - [Flyout menu](https://crusaderpensions.com/?elementor_library=flyout-menu) - Content area - [menu page popup](https://crusaderpensions.com/?elementor_library=menu-page-popup) - Home About Us Leadership Management Investor Relations Services Retirement Savings Retirement Pack Foreign Currency Pension Ethical Fund (Fund VI) Personal Pension Plan Mortgage Loan Retiree Fund Account Gratuity Transfer Window Benefit Administration Programmed Withdrawal Self Services Client Portal Mobile App Advisory Electronic Payment Registration Forms & Downloads Multifund Structure Data Recapture Form Pension calculator Give - [menu page](https://crusaderpensions.com/?elementor_library=menu-page) - [Test Menu](https://crusaderpensions.com/?elementor_library=test-menu) - Content area - [Flyout menu Imported](https://crusaderpensions.com/?elementor_library=flyout-menu-2) - Content area - [Flyout Menu Demo](https://crusaderpensions.com/?elementor_library=flyout-menu-demo) - [Menu Flyout](https://crusaderpensions.com/?elementor_library=menu-flyout) - [Caveat Notice](https://crusaderpensions.com/?elementor_library=caveat-notice) - Content area - [July 2024 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=july-2024-seven-days-asset-allocation) - RSA I CPL RSA FUND I –3rd July – 11th July, 2024CPL RSA FUND I –10th July – 18th July, 2024CPL RSA FUND I –17th July – 25th July, 2024CPL RSA FUND I –21st July – 1st August, 2024 RSA II CPL RSA FUND II –3rd July – 11th July, 2024CPL RSA FUND II –10th - [Elementor Loop Item #6939](https://crusaderpensions.com/?elementor_library=elementor-loop-item-6939) - Elementor Loop Item #6939 Lorem ipsum dolor sit amet consectetur adipiscing elit dolor Learn More - [Elementor Loop Item #4453](https://crusaderpensions.com/?elementor_library=elementor-loop-item-4453) - Elementor Loop Item #4453 Secure your Future with our Retirement Savings Plan Learn More ➜ - [June 2024 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=june-2024-seven-days-asset-allocation) - RSA I CPL RSA FUND I –29th May – 6th June, 2024CPL RSA FUND I –5th June – 13 June, 2024CPL RSA FUND I –10th June – 20th June, 2024CPL RSA FUND I –26th June – 4th July, 2024 RSA II CPL RSA FUND II –29th May – 6th June, 2024CPL RSA FUND II –5th - [Single Post](https://crusaderpensions.com/?elementor_library=elementor-single-post-1780) - Single Post March 27, 2024 crusader_Adm1n If you already have a Retirement Savings Account (RSA), you are on the right track toward securing your future. However, with a new initiative by the National Pension Commission (PenCom), you now have greater flexibility and control over how you save for the future. This initiative is the Personal Pension Plan - [September 2023 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=september-2023-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 30th August – 7th September 2023CPL RSA FUND I – 6th – 14th September 2023CPL RSA FUND I – 13th – 21st September 2023CPL RSA FUND I – 19th – 28th September 2023 RSA II CPL RSA FUND II –30th August – 7th September 2023CPL RSA FUND II –6th – 14th September - [October 2023 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=october-2023-seven-days-asset-allocation) - RSA I CPL RSA FUND I –25th September – 5th October, 2023CPL RSA FUND I –4th October – 12th October, 2023CPL RSA FUND I –11th October – 19th October, 2023CPL RSA FUND I –18th October – 26th October, 2023 RSA II CPL RSA FUND II –25th September – 5th October 2023CPL RSA FUND II –4th - [November 2023 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=november-2023-seven-days-asset-allocation) - RSA I CPL RSA FUND I –25th October – 2nd November, 2023CPL RSA FUND I –1st November – 9th November, 2023CPL RSA FUND I –8th November – 16th November, 2023CPL RSA FUND I –15th November – 23rd November, 2023CPL RSA FUND I –22nd November – 30th November, 2023 RSA II CPL RSA FUND II –25th - [December 2023 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=december-2023-seven-days-asset-allocation) - RSA I CPL RSA FUND I –29th November – December 7th, 2023CPL RSA FUND I –6th December – December 14th, 2023CPL RSA FUND I –13th December – 21st December, 2023CPL RSA FUND I –18th December – 28th December, 2023 RSA II CPL RSA FUND II –29th November – December 7th, 2023CPL RSA FUND II –6th - [January 2024 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=january-2024-seven-days-asset-allocation) - RSA I CPL RSA FUND I –24th January – 1st February, 2024CPL RSA FUND I –17th January – 25th January, 2024CPL RSA FUND I –10th January – 18th January, 2024CPL RSA FUND I –3rd January – 11th January, 2024 RSA II CPL RSA FUND II –24th January – 1st February, 2024CPL RSA FUND II –17th - [February 2024 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=february-2024-seven-days-asset-allocation) - RSA I CPL RSA FUND I –31st January – 8th February, 2024CPL RSA FUND I –7th February – 15th February, 2024CPL RSA FUND I –14th February – 22nd February, 2024CPL RSA FUND I –21st February – 29th February, 2024CPL RSA FUND I –28th February – 7th March, 2024 RSA II CPL RSA FUND II –31st - [March 2024 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=march-2024-seven-days-asset-allocation) - RSA I CPL RSA FUND I –28th February – 7th March, 2024CPL RSA FUND I –6th March – 14th March, 2024CPL RSA FUND I –13th March – 21st March, 2024CPL RSA FUND I –20th March – 28th March, 2024 RSA II CPL RSA FUND II –28th February – 7th March, 2024CPL RSA FUND II –6th - [May 2024 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=may-2024-seven-days-asset-allocation) - RSA I CPL RSA FUND I –23rd April – 2nd May, 2024CPL RSA FUND I –30th April – 9th May, 2024CPL RSA FUND I –8th May – 16th May, 2024 RSA II CPL RSA FUND II –23rd April – 2nd May, 2024CPL RSA FUND II –30th April – 9th May, 2024CPL RSA FUND II –8th - [!updated Home](https://crusaderpensions.com/?elementor_library=updated-home) - Rated AA- (PFM) Learn More a comfortable retirement, regardless of their occupation or sector. Secure Your Future with our Micro Pension plan. Micro Pension Open an Account Today your retirement savings Mortgage Plan Learn More I am a HR ProfessionalEmpower your employees, and boost your bottom line. At our PFA, we believe in shared success. - [Eligibility (Mortgage Loan)](https://crusaderpensions.com/?elementor_library=eligibility-mortgage-loan) - An applicant (RSA Holder) must have an offer letter for the property duly signed by the property owner and mortgage lender. RSA holders that have less than 3 years to retirement are not eligible. Existing retirees and exempted individuals under PRA 2014 are not eligible to use 25% of the balance for equity contributions. Micro - [Why Switch to CrusaderSterling Pensions? (Transfer Window)](https://crusaderpensions.com/?elementor_library=why-switch-to-crusadersterling-pensions-transfer-window) - Exceptional Service Delivery: CrusaderSterling Pensions is renowned for its commitment to customer satisfaction. Our dedicated team of professionals is always available to provide personalized support and guidance, ensuring that your pension needs are met with the utmost care and efficiency. Proven Track Record: With a history of strong investment performance, CrusaderSterling Pensions has consistently delivered - [Advantages of Transfer Window (Transfer Window)](https://crusaderpensions.com/?elementor_library=advantages-of-transfer-window-transfer-window) - Access to Better Investment Opportunities: Transfer Window enables individuals to seek out PFAs with better investment performance. This can potentially lead to higher returns on their pension savings, ensuring a more comfortable retirement. Flexibility and Freedom of Choice: The Transfer Window provides contributors with the flexibility to choose a PFA that aligns with their financial - [Dynamics of Retiree Fund Account (Retirement Account)](https://crusaderpensions.com/?elementor_library=dynamics-of-retiree-fund-account-retirement-account) - The Retiree Fund Account also known as Fund IV is a safe and secure way to access your pension benefits after retirement. It offers a programmed withdrawal plan, allowing you to receive regular, predictable income throughout your retirement. Think of it as your pension ATM, providing you with the financial freedom you deserve. The PRA - [Dynamics (Mortgage Loan)](https://crusaderpensions.com/?elementor_library=dynamics-mortgage-loan) - The applicant shall obtain a property offer letter from the Property Owner. Forward same to the mortgage lender. An application for mortgage shall be issued by the mortgage lender. The Mortgage lender verifies the genuineness of the property and ensure it has a valuation report. CPL will issue a duly endorsed RSA statement to the - [Features (Mortgage Loan)](https://crusaderpensions.com/?elementor_library=features-mortgage-loan) - Accessibility: Available to all RSA holders who meet the eligibility criteria, regardless of their employment sector. Transparent Process: Governed by clear guidelines set by PenCom, ensuring transparency and fairness in the application and approval process. No Additional Collateral Required: The RSA balance itself serves as collateral, eliminating the need for additional assets to secure the - [Benefits (Mortgage Loan)](https://crusaderpensions.com/?elementor_library=benefits-mortgage-loan) - Homeownership: Achieve your dream of owning a home. Reduced financial burden: Use your pension savings to finance your home purchase. Flexibility: Choose from a range of approved properties or select a property of your choice. Long-term investment: Invest in a valuable asset that appreciates over time. Security: Enjoy a sense of security and stability with - [Elementor Loop #4543](https://crusaderpensions.com/?elementor_library=elementor-loop-4543) - UPDATE Elementor Loop #4543 crusader_Adm1n June 2, 2024 - [Elementor Loop #4564](https://crusaderpensions.com/?elementor_library=elementor-loop-4564) - Elementor Loop #4564 crusader_Adm1n June 2, 2024 - [Elementor Loop Item #4537](https://crusaderpensions.com/?elementor_library=elementor-loop-item-4537) - BLOG Elementor Loop Item #4537 crusader_Adm1n June 2, 2024 - [Default Kit](https://crusaderpensions.com/?elementor_library=default-kit) - [Elementor Loop Item #4441](https://crusaderpensions.com/?elementor_library=elementor-loop-item) - [Twin slider 3](https://crusaderpensions.com/?elementor_library=twin-slider-3) - “Since I joined Crusader Sterling Pensions they have always reached out to me, making sure I am satisfied with the service being rendered and that for me is huge because most service providers will not reach out to you they always wait till when you have complaints.” Mrs. Oyebiola - [Twin slider 1](https://crusaderpensions.com/?elementor_library=twin-slider-1) - “I retired in 2012 as a Chief Lecturer. Before my retirement, I chose Crusader Sterling Pensions as my pension custodian. I have no regret at all that I made the choice because after my retirement, within a short time, my gratuity was paid and my monthly pensions are being paid promptly, between the 16th and - [Twin slider 2](https://crusaderpensions.com/?elementor_library=twin-slider-2) - “I would love to say that my experience with Crusader Pensions reveals them as persistently reliable with more than adequate returns that outperform other funds with accuracy and a promise for safety.” Professor Sheikh - [Who is Eligible? (Retirement Account)](https://crusaderpensions.com/?elementor_library=who-is-eligible-retirement-account) - Anyone who has retired and has accumulated funds in their Retirement Savings Account (RSA) under the Contributory Pension Scheme (CPS) is eligible for the Retiree Fund Account. When Contributors retire and apply for benefits, pension assets are moved from the Retirement Savings Account to a Retiree Account with a programmed withdrawal plan. This account is - [Newsletter](https://crusaderpensions.com/?elementor_library=request-a-callback) - Content area - [Master Pension Tab 5 (Mortgage loan)](https://crusaderpensions.com/?elementor_library=master-pension-tab-5) - Own a Home before Retirement. Learn More - [Master Pension Tab 4 (Micro pension)](https://crusaderpensions.com/?elementor_library=master-pension-tab-4) - Are you a Business Owner, Freelancer or Self Employed?Plan your retirement with our Micropensions Plan Learn More - [Master Pension Tab 3 (Ethical funds)](https://crusaderpensions.com/?elementor_library=master-pension-tab-3) - Fund VI is a pension plan that offers a unique opportunity to contributors seeking pension management aligned with their ethical, religious, or personal convictions It is a non-Interest fund. Learn More - [Master Pension Tab 2 (voluntary contributions)](https://crusaderpensions.com/?elementor_library=master-pension-tab-2) - Take your retirement savings to the next level by making additional contributions Learn More - [Master Pension Tab 1 (retirement savings)](https://crusaderpensions.com/?elementor_library=master-pension-tab-1) - Secure your Future with our Retirement Savings Plan. Learn More - [Medical Grounds Payment (Benefit Administration)](https://crusaderpensions.com/?elementor_library=medical-grounds-payment-benefit-administration) - This is when medical complications forces RSA holders to retire from employment. There must be certified medical reports from a federal medical facility supporting their claim and attested to by employers.Documents required to process this mode of withdrawal includes: Notification of resignation based on medical grounds from a federal hospital Retirement letter or resignation letter - [Missing Person’s Payment (Benefit Administration)](https://crusaderpensions.com/?elementor_library=missing-persons-payment-benefit-administration) - There are grounds for this benefit claim by the Next of Kin of the RSA holder, usually, it is in a case where the contributor is declared missing and has not been found for one year or more.The documents the Next of Kin must provide includes: Notification of missing persons Letter of administration Age Declaration/ - [NSITF (Benefit Administration)](https://crusaderpensions.com/?elementor_library=nsitf-benefit-administration) - National Social Insurance Trust Fund (NSITF) was a Pre-Act scheme that was contributory. The scheme was stopped by the FGN on the commencement of the Pension Reform Act (2014). Contributors could apply to have their previous NSITF contributions credited to their RSA via their PFAs.Contributors eligible for these benefits must: Be 50 years of age. - [Voluntary Contribution (Benefit Administration)](https://crusaderpensions.com/?elementor_library=voluntary-contribution-benefit-administration) - Documents required to process voluntary contributions are; Application letter 2 passport photographs Bank Account details on approved funds National Identity Number/NIMC Slip Completed Data recapture exercise with the PFA Any valid government-issued means of identification Tax ID of the contributor - [Gratuity/Legacy (Benefit Administration)](https://crusaderpensions.com/?elementor_library=gratuity-legacy-benefit-administration) - These benefit payment types are schemes managed by some Organisations prior to the enactment of the Pension Reform Act 2014.It is typically paid to employees when out of active service.Documents required to process are: Application Letter Employers’ confirmation of gratuity payment/legacy for retiree Bank Account details on approved funds 2 passport photographs Age declaration/ Birth - [Death Benefits (Benefit Administration)](https://crusaderpensions.com/?elementor_library=death-benefits-benefit-administration) - This Benefit Payment type can only be accessed by the Estate of the deceased contributor. Documents required will vary according to the sectors where the contributors worked.For deceased contributors who died in active service, the Estate of the deceased contributor is entitled to the Group Life Insurance benefits as mandated by Law. This could be - [Lump-Sum/Programmed WIthdrawal (Benefit Administration)](https://crusaderpensions.com/?elementor_library=lump-sum-programmed-withdrawal-benefit-administration) - This is the benefit due to the retiree on retirement. The retiree’s age at retirement, final salary, sex and RSA balance are variables inputted in the PENCOM template to determine the lump-sum and the monthly programmed withdrawal that will be paid to the retiree once the application is approved.A retiree opting for annuity will furnish their - [25%/ Loss Of Job (Benefit Administration)](https://crusaderpensions.com/?elementor_library=25-loss-of-job-benefit-administration) - The loss of Job or 25% benefit withdrawal cover contributors whose employment have been terminated and are unable to secure another job four months after the loss. Contributors eligible for this payment type however must be less than 50 years.Documents required are: Application Letter Termination or resignation letter Age declaration / Birth certificate 2 passports - [How to remit your Micro Pension Payment with CrusaderSterling Pensions (Micro Pension Plan)](https://crusaderpensions.com/?elementor_library=how-to-remit-your-micro-pension-payment-with-crusadersterling-pensions-micro-pension-plan) - PENCOM shall determine the participation of Micro Pension Contributors in due course. Fund VI assets are ONLY to be invested in instruments that are free from speculation and uncertainty that might lead to destruction or loss. - [Company overview Old](https://crusaderpensions.com/?elementor_library=company-overview-old) - Crusader Sterling Pensions Overview We are a licensed Pension Fund Administrator and a member of the Custodian Investment Plc group. Our vision is to be the preferred Pension Fund Administrator with the highest contribution base whilst delivering superior returns to stakeholders. Our mission is creating wealth for retirement. Our core values are Integrity, professionalism and - [January 2022 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=january-2022-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 5th – 13th Jan 2022CPL RSA FUND I – 12th – 20th Jan 2022CPL RSA FUND I – 19th – 27th Jan 2022CPL RSA FUND I – 24th Dec 2021- 6th Jan 2022 RSA II CPL RSA FUND II – 5th – 13th Jan 2022CPL RSA FUND II – 12th – 20th Jan 2022CPL - [February 2022 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=february-2022-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 26th Jan – 3rd Feb 2022CPL RSA FUND I – 2nd – 10th Feb 2022CPL RSA FUND I – 9th – 17th Feb 2022CPL RSA FUND I – 16th – 24th Feb 2022 RSA II CPL RSA FUND II – 26th Jan – 3rd Feb 2022CPL RSA FUND II – 2nd – 10th Feb - [March 2022 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=march-2022-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 23rd Feb – 3rd Mar 2022CPL RSA FUND I – 2nd – 10th Mar 2022CPL RSA FUND I – 9th – 17th Mar 2022CPL RSA FUND I – 16th – 24th Mar 2022CPL RSA FUND I – 23rd – 31st Mar 2022 RSA II CPL RSA FUND II – 23rd Feb – 3rd Mar - [April 2022 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=april-2022-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 30th Mar – 7th Apr 2022CPL RSA FUND I – 5th – 13th Apr 2022CPL RSA FUND I – 8th – 21st Apr 2022CPL RSA FUND I – 20th – 28th Apr 2022 RSA II CPL RSA FUND II – 30th Mar – 7th Apr 2022CPL RSA FUND II – 5th – 13th Apr - [May 2022 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=may-2022-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 25th Apr – 5th May 2022CPL RSA FUND I – 4th – 12th May 2022CPL RSA FUND I – 11th – 19th May 2022CPL RSA FUND I – 18th – 28th May 2022 RSA II CPL RSA FUND II – 25th Apr – 5th May 2022CPL RSA FUND II – 4th – 12th May - [June 2022 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=june-2022-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 26th May – 2nd June 2022CPL RSA FUND I – 1st – 9th June 2022CPL RSA FUND I – 7th – 16th June 2022CPL RSA FUND I – 15th – 23rd June 2022CPL RSA FUND I – 22nd – 30th June 2022 RSA II CPL RSA FUND II – 26th May – 2nd June - [July 2022 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=july-2022-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 29th June – 7th July 2022CPL RSA FUND I – 4th – 14th July 2022CPL RSA FUND I – 13th – 21st July 2022CPL RSA FUND I – 20th – 28th July 2022 RSA II CPL RSA FUND II – 29th June – 7th July 2022CPL RSA FUND II – 4th – 14th July - [August 2022 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=august-2022-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 27th July – 4th August 2022CPL RSA FUND I – 3rd – 11th August 2022CPL RSA FUND I – 10th – 18th August 2022CPL RSA FUND I – 17th – 25th August 2022CPL RSA FUND I – 24th August – 1st September 2022 RSA II CPL RSA FUND II – 27th July – 4th - [September 2022 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=september-2022-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 21st – 29th September 2022CPL RSA FUND I – 14th – 22nd September 2022CPL RSA FUND I – 7th – 15th September 2022CPL RSA FUND I – 31st August – 8th September 2022 RSA II CPL RSA FUND II – 21st – 29th September 2022CPL RSA FUND II – 14th – 22nd September 2022CPL - [October 2022 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=october-2022-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 19th – 27th October 2022CPL RSA FUND I – 12th – 20th October 2022CPL RSA FUND I – 4th – 13th October 2022CPL RSA FUND I – 27th September – 6th October 2022 RSA II CPL RSA FUND II – 19th – 27th October 2022CPL RSA FUND II – 12th – 20th October 2022CPL - [November 2022 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=november-2022-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 16th – 24th November 2022CPL RSA FUND I – 9th – 17th November 2022CPL RSA FUND I – 2nd – 10th November 2022CPL RSA FUND I – 26th October – 3rd November 2022 RSA II CPL RSA FUND II – 16th – 24th November 2022CPL RSA FUND II – 9th – 17th November 2022CPL - [December 2022 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=december-2022-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 23rd November – 1st December 2022CPL RSA FUND I – 30th November – 8th December 2022CPL RSA FUND I – 19th December – 29th December 2022CPL RSA FUND I – 27th December 2022 – 5th January 2023 RSA II CPL RSA FUND II – 23rd November – 1st December 2022CPL RSA FUND II - [January 2023 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=january-2023-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 4th – 12th January 2023CPL RSA FUND I – 11th – 19th January 2023CPL RSA FUND I – 18th – 26th January 2023CPL RSA FUND I – 25th January – 02nd February 2023 RSA II CPL RSA FUND II – 4th – 12th January 2023CPL RSA FUND II – 11th – 19th January 2023CPL - [February 2023 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=february-2023-seven-days-asset-allocation) - RSA I CPL RSA FUND I –28th February – 7th March, 2024CPL RSA FUND I –6th March – 14th March, 2024CPL RSA FUND I –13th March – 21st March, 2024 RSA II CPL RSA FUND II – 1st – 9th February 2023CPL RSA FUND II – 8th – 16th February 2023CPL RSA FUND II – 15th – 23rd - [March 2023 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=march-2023-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 1st – 9th March 2023CPL RSA FUND I – 8th – 16th March 2023CPL RSA FUND I – 15th – 23rd March 2023CPL RSA FUND I – 22nd – 30th March 2023CPL RSA FUND I – 28th March – 5th April 2023 RSA II CPL RSA FUND II – 1st – 9th March 2023CPL - [April 2023 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=april-2023-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 3rd – 13th April 2023CPL RSA FUND I – 11th – 19th April 2023CPL RSA FUND I – 17th – 27th April 2023CPL RSA FUND I – 25th April – 4th May 2023 RSA II CPL RSA FUND II – 3rd – 13th April 2023CPL RSA FUND II – 11th – 19th April 2023CPL - [May 2023 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=may-2023-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 3rd – 11th May 2023CPL RSA FUND I – 10th – 18th May 2023CPL RSA FUND I – 17th – 25th May 2023CPL RSA FUND I – 23rd May – 1st June 2023CPL RSA FUND I – 31st May – 8th June 2023 RSA II CPL RSA FUND II – 3rd – 11th May - [June 2023 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=june-2023-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 6th – 15th June 2023CPL RSA FUND I – 14th – 22nd June 2023CPL RSA FUND I – 19th – 27th June 2023CPL RSA FUND I – 26th June – 6th July 2023 RSA II CPL RSA FUND II – 6th – 15th June 2023CPL RSA FUND II – 14th – 22nd June 2023CPL - [July 2023 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=july-2023-seven-days-asset-allocation) - RSA I CPL RSA FUND I –28th February – 7th March, 2024CPL RSA FUND I –6th March – 14th March, 2024CPL RSA FUND I –13th March – 21st March, 2024 RSA II CPL RSA FUND II – 5th – 13th July 2023CPL RSA FUND II – 12th – 20th July 2023CPL RSA FUND II – 19th – 27th - [August 2023 (Seven Days Asset Allocation)](https://crusaderpensions.com/?elementor_library=august-2023-seven-days-asset-allocation) - RSA I CPL RSA FUND I – 2nd – 10th August 2023CPL RSA FUND I – 9th – 17th August 2023CPL RSA FUND I – 16th – 24th August 2023CPL RSA FUND I – 23rd – 31st August 2023 RSA II CPL RSA FUND II – 2nd – 10th August 2023CPL RSA FUND II – 9th – 17th August 2023CPL RSA - [Who is Fund VI for? (Ethical Fund)](https://crusaderpensions.com/?elementor_library=who-is-fund-vi-for-ethical-fund) - Contributors looking for investments that align with their ethical and religious beliefs. Individuals seeking alternative and transparent investment options. Anyone desiring a pension plan that promotes ethical and responsible practices. - [Eligibility and general principles (Ethical Fund)](https://crusaderpensions.com/?elementor_library=eligibility-and-general-principles-ethical-fund) - Contributors in Funds I, II and III are ONLY allowed to move to Non-Interest Active Fund VI. Contributors in Fund IV are ONLY allowed to move to Non-Interest Retiree Fund VI. Contributors in Fund III who have reached the retirement age can move directly to Non-Interest Retiree Fund VI instead of Fund IV if they - [Features (Ethical Fund)](https://crusaderpensions.com/?elementor_library=features-ethical-fund) - Principle of justice is an essential requirement for all kinds of non-Interest financing; the financier and the beneficiary share the actual profit/loss if the contract is equity-based. They are restricted to useful goods and services and refrain from financing other harmful activities. Interest prohibition in debt and exchange contracts. The prohibition of uncertainty or speculative - [!Form_Template](https://crusaderpensions.com/?elementor_library=form_template) - Request a Forum Please take advantage of our periodic interactive session with our contributors by completing the form below Url Company Name Sector Location/Address PDO/Contact Phone Number Proposed Date Proposed Time Proposed Venue - [NSITF (FAQs)](https://crusaderpensions.com/?elementor_library=nsitf-faqs) - What Happens to the Pension Funds Contributed Under the Nigerian Social Insurance Trust Fund (NSITF) Before the CPS?The pension funds contributed to the NSITF before the commencement of the CPS, including all investment incomes, shall be transferred to the RSA opened by the respective NSITF contributor. What Will Happen to NSITF After the Enactment of - [Mobile Data (FAQs)](https://crusaderpensions.com/?elementor_library=mobile-data-faqs) - What are my default login details?The username is always your PIN while the default password at FIRST login is your account number Do I need to Sign Up or fill out a form to use the App?No, every contributor with CrusaderSterling pensions is automatically onboard the App. Just use your PIN and account number at - [Voluntary Contribution (FAQs)](https://crusaderpensions.com/?elementor_library=voluntary-contribution-faqs) - Can an Employee Make Voluntary Contribution to His/Her RSA?The PRA 2014 allows employees to, in addition to the 18% employee and employer contributions, make voluntary contributions to their RSAs. Are Voluntary Contributions Made by Employees Subject to Tax Deductions?The PRA 2014 stipulates that pension contributions made by an employee under the Scheme shall not be - [Benefits & Withdrawal (FAQs)](https://crusaderpensions.com/?elementor_library=benefits-withdrawal-faqs) - What Happens When an Employee Who Has Been Contributing Under CPS Dies Before His Retirement?Where an employee who has been contributing under the CPS dies before his/her retirement, his benefits shall be paid to his beneficiary as he/she provided under a will or to the next of kin. In the absence of such designation, the - [Investment, Fees & Services (FAQs)](https://crusaderpensions.com/?elementor_library=investment-fees-services-faqs) - Can an Organization Own Controlling Shares in Both a PFA and a PFC?In order to prevent conflict of interest, an organization cannot own shares in both a PFA and a PFC. This is to strengthen the checks and balances between the licensed pension operators under the strict supervision of the National Pension Commission. Furthermore, the - [Public Sector (FAQs)](https://crusaderpensions.com/?elementor_library=public-sector-faqs) - How Does the Federal Government Remits the Pension Contributions of its Employees into their RSAs?The Pension contributions of FG or employees of Treasury Funded Ministries, Departments and Agencies (MDAs) are deducted at source and lodged into a Contributory Pension Account with the CBN. The Commission computes the pension contributions and advises the CBN to credit - [Contribution (FAQs)](https://crusaderpensions.com/?elementor_library=contribution-faqs) - When Does the Deduction of Pension Contributions of a New Employee Commence?An employer is obliged to commence the deduction of pension contributions for a new employee from his first salary. What is an Annual Total Emolument (ATE)?An employee’s Annual Total Emolument is the total sum of basic salary and allowances payable as his/her remuneration for - [General Questions (FAQs)](https://crusaderpensions.com/?elementor_library=general-questions-faqs) - When was the Pension Reform Act (PRA) enacted?The PRA was enacted in June 2004. Having implemented the PRA for a decade, a review was conducted with a view to improving various provisions based on practical experiences. Consequently, it was repealed and re-enacted in July 2014 as the Pension Reform Act of 2014. What is the - [!Events](https://crusaderpensions.com/?elementor_library=events) - CrusaderSterling Pension to present at the Global Financial Service Confrences Sept 14, 2021 at 3:00 ET JPMorgan Chase Third Quater 2021 Earning Conference Call Sept 14, 2021 at 3:00 ET - [Press Releases](https://crusaderpensions.com/?elementor_library=press-releases) - Press Release Stay informed with the latest industry news, company updates, and press releases. Discover how we’re shaping the future of retirement planning in Nigeria. FeaturedPress Release CrusaderSterling Pensions Pays Customers Over 1 Billion Naira as Equity Mortgage Contributions July 29, 2024By:CrusaderSterling Pensions CrusaderSterling Pensions (CPL) is proud to announce that it has successfully paid - [Why Choose the Retiree Account (Retirement Account)](https://crusaderpensions.com/?elementor_library=why-choose-the-retiree-account-retirement-account) - Control your finances: Take charge of your retirement income and avoid dependence on others. Enjoy financial freedom: Access your funds conveniently and use them for your desired lifestyle. Benefit from professional management: Experienced pension professionals manage your funds, ensuring their safety and growth. Secure your future: Ensure a comfortable and worry-free retirement for yourself and - [Why choose Micro Pensions with CrusaderSterling? (Micro pension)](https://crusaderpensions.com/?elementor_library=why-choose-micro-pensions-with-crusadersterling-micro-pension) - Financial Security: This plan provides a structured way for you in the informal sector to save for retirement, offering you financial security in your old age. Flexibility: You get to enjoy flexibility in contribution amounts,as this plan allows you to save according to your income levels and financial capacity. Contingent withdrawal: Access 40% of your - [Single Post Template](https://crusaderpensions.com/?elementor_library=elementor-single-post-1707) - March 25, 2024 crusader_Adm1n Single Post Template If you already have a Retirement Savings Account (RSA), you are on the right track toward securing your future. However, with a new initiative by the National Pension Commission (PenCom), you now have greater flexibility and control over how you save for the future. This initiative is the Personal Pension - [featured loop](https://crusaderpensions.com/?elementor_library=elementor-loop-item-1587) - featured loop - [featured loop](https://crusaderpensions.com/?elementor_library=featured-loop) - featured loop - [Healthyblog Featured blocks](https://crusaderpensions.com/?elementor_library=healthyblog-featured-blocks) - [Healthyblog Featured loop 2](https://crusaderpensions.com/?elementor_library=healthyblog-featured-loop-2) - Healthyblog Featured loop 2 - [!Header_FEX](https://crusaderpensions.com/?elementor_library=header_fex) - Login Open an Account Switch to Us Home About Us Leadership Management Investor Relations Services Retirement Savings Retirement Pack Foreign Currency Pension Ethical Fund (Fund VI) Personal Pension Plan Mortgage Loan Retiree Fund Account Gratuity Transfer Window Benefit Administration Programmed Withdrawal Self Services Client Portal Mobile App Advisory Electronic Payment Registration Forms & Downloads Multifund - [Payment With CyberPay Web (Micro Pension Plan)](https://crusaderpensions.com/?elementor_library=payment-with-cyberpay-web-micro-pension-plan) - Visit micropen.ng Input your phone number and password to log in Select mode of validation (RSA PIN /Phone number) Select Crusader Pension from the dropdown list Enter your RSA PIN (PENxxxx) Enter the amount and click on ‘proceed’ Click ‘ok’ to confirm your information Select your preferred payment option- ‘card’ or ‘bank” Follow the directions to - [Payment With CyberPay (*55701#) (Micro Pension Plan)](https://crusaderpensions.com/?elementor_library=payment-with-cyberpay-55701-micro-pension-plan) - Dial *55701# on your BVN registered phone number Select ‘Crusader Pension” Select ‘contribution’ or ‘withdrawal’ Enter your RSA PIN (PENxxxx) Enter the amount you want to pay. Select the bank you want to pay from. Follow the prompts to complete your payment. - [Payment With PENPAY (Micro Pension Plan)](https://crusaderpensions.com/?elementor_library=payment-with-penpay-micro-pension-plan) - Download the PenPay app from the Google Store you can also visit " www.penpay.com.ng Select Crusader Pensions limited, proceed to enter your phone number and RSA PIN (PEN XXXXXXXXXXXXXX) Enter Payment Amount. Select from the available payment options (Bank/Transfer and Card) Make payment. - [Payment With SystemSpecs (Micro Pension Plan)](https://crusaderpensions.com/?elementor_library=payment-with-systemspecs-micro-pension-plan) - Visit www.remita.net Click on Bills and Payment. Click on Micropension. Select Crusader Pensions Limited. Fill in the relevant details. Select a Payment Channel. Make Payment. - [InnerServicesTemplate](https://crusaderpensions.com/?elementor_library=innerservicestemplate) - Home Voluntary Contribution The Pension Reform Act (PRA) 2014 encourages persons primarily exempted from the Contributory Pension Scheme (CPS), Retirees who have secured new jobs, and employees with existing mandatory Retirement Savings Account (RSA) to embrace Voluntary Contributions to enhance their retirement benefits. Download a PDF Form Fill an Online Form Tailored for you and - [Team Member](https://crusaderpensions.com/?elementor_library=team-member) - Home Rotimi Adebiyi Chief Executive Officer Linkedin Rotimi Adebiyi Mr. Rotimi Adebiyi is the Managing Director and Chief Executive Officer of Crusadersterling Pensions Limited. He has twenty-five years of experience in the financial services industry with a proven history of accomplishments in portfolio management across varying asset classes. Hitherto, he served as CEO of HIP - [Teams](https://crusaderpensions.com/?elementor_library=teams) - Leadership Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor Wole Oshin Chairman Rotimi Adebiyi Chief Executive Officer Olufemi Odukoya Executive Director, Operations Richard Gboyega Non – Executive - [Footer](https://crusaderpensions.com/?elementor_library=footer) - Get started today! Request a call back now Email Request now About Us Company CrusaderSterling Pensions Limited is one of the leading Pension FundAdministrators (PFA) in Nigeria. 14B, Keffi Street, Off AwolowoRoad, Ikoyi, Lagos, Nigeria +234 127 14605 Policies & Support Data Privacy Policy Forms & Downloads Whistle Blower Advisory Data Privacy Policy Forms & - [Header Updated](https://crusaderpensions.com/?elementor_library=header-updated) - Login info@crusaderpensions.com +234 12714605 Home About Us Leadership Management Investor Relations Services Retirement Savings Retirement Pack Foreign Currency Pension Ethical Fund (Fund VI) Personal Pension Plan Mortgage Loan Retiree Fund Account Gratuity Transfer Window Benefit Administration Programmed Withdrawal Self Services Client Portal Mobile App Advisory Electronic Payment Registration Forms & Downloads Multifund Structure Data Recapture ## Job Openings - [Finance Associate](https://crusaderpensions.com/jobs/finance-associate/) ## Elementor Header & Footer Builder - [Header](https://crusaderpensions.com/elementor-hf/header/) - Login Open an Account Switch to Us +234 807 011 1996 Home About Us Leadership Management Investor Relations Services Retirement Savings Retirement Pack Foreign Currency Pension Ethical Fund (Fund VI) Personal Pension Plan Mortgage Loan Retiree Fund Account Gratuity Transfer Window Benefit Administration Programmed Withdrawal Self Services Client Portal Mobile App Advisory Electronic Payment Registration - [Footer](https://crusaderpensions.com/elementor-hf/footer/) - Get started today! Request a call back now Request now About Us CrusaderSterling Pensions Limited is one of the leading Pension Fund Administrators (PFA) in Nigeria. 14B, Keffi Street, Off Awolowo Road, Ikoyi, Lagos, Nigeria +234 813 985 6160, +234 807 011 1996 info@crusaderpensions.com Facebook X-twitter Linkedin Instagram Youtube Whatsapp Policies & Support Data Privacy - [Before Footer](https://crusaderpensions.com/elementor-hf/before-footer/) ## Categories - [Blog](https://crusaderpensions.com/category/blog/) - Your blog category - [Press Release](https://crusaderpensions.com/category/press-release/) - [In The News](https://crusaderpensions.com/category/in-the-news/) - [Featured](https://crusaderpensions.com/category/featured/) - [Webinar](https://crusaderpensions.com/category/webinar/) - [Update](https://crusaderpensions.com/category/update/) - [Products](https://crusaderpensions.com/category/products/) ## Tags - [CrusaderSterling Pensions](https://crusaderpensions.com/tag/crusadersterling-pensions/) - [Pension](https://crusaderpensions.com/tag/pension/) - [Retirement Savings Account. 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