Formal Sector Workers

1. Eligibility & Enrollment

Open to all formal sector workers, including those with employer pensions.

Minimum age: 15 years.

Enrollment is voluntary.

Members may transfer existing pensions into the Scheme.

Minimum Monthly Contribution: GH₵100.

Tax: Pre-tax or after-tax contributions.

Payment Methods: Mobile money, bank transfers, or salary deductions.

Account Type: Retirement fund

Account Allocation: 100% to Member Account.

First Withdrawal: After 5 years (50% max of Accrued Benefit).

Subsequent Withdrawals: Every 2 years (25% max of Accrued Benefit).

Tax: Tax-free after 10 years.

Retirement Age: Normal retirement at age 60 (with 5+ years of contributions).

Payout Option: Lump sum (full Accrued Benefit of the Retirement fund).

Death Before Retirement: Full Accrued Benefit paid to Beneficiary(ies).

Disability: Full Accrued Benefit paid to Member.

Data Collected: ID, contact, employment, and financial details.
Usage: Pension administration, fraud prevention, and regulatory compliance.
Member Rights: Access, correct, or delete non-essential data via clientservice@stalliontrust.com.gh

Managed by a 7-member NPRA-licensed Board (2/3 Stallion-appointed, 1/3 member-elected).
Annual independent audits.

Disputes first resolved by Stallion Trust, then escalated to NPRA.

Members may not exit pre-retirement.

Email: clientservice@stalliontrust.net
Phone: +233 (0)302 250 7000
Address: 3rd Floor Gulf House, Airport West-Accra

By enrolling, Members agree to these Terms.
Effective: 1 August 2025