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 pay slip. It is your future salary, your security net, and a powerful tool for building long-term wealth. And like every other financial plan, your pension deserves periodic review.

Five Key Things to Review in Your RSA This July

1. RSA Statement: Start by checking your total contributions, returns, and balance growth so far this year. Have your employer remittances been consistent? Are your contributions growing steadily? You can view your updated statement easily via our Mobile App, WhatsApp chatbot, or Self-Service Portal.

2. Revisit Your Retirement Target: Ask yourself? How much will I need in retirement? Based on your current RSA balance and contributions, are you likely to meet that target? If not, it might be time to consider Additional Voluntary Contributions (AVCs) to bridge the gap.

3. Update Personal & Employment Information: Have you changed jobs recently? Did you receive a salary increase? Make sure that:

• Your new employer is remitting to CrusaderSterling Pensions
• Your personal details (name, contact, next of kin) are updated
• Your PIN is correctly linked to your new employer’s payroll system

4. Review and Confirm Beneficiary Information: Have you recently married, had children, or experienced a major life event? confirm that your nominated beneficiaries are up to date. This ensures that your pension benefits are passed on to the right people in the event of unforeseen circumstances. It is important to keep your beneficiary information updated.