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Who We Are

Pensions Alliance Limited is a joint venture between First Securities Discount House Limited (FSDH) (now known as FSDH Merchant Bank) and African Alliance Insurance Company Plc.

We are a licensed Pension Fund Administrator with over 13 years of professional experience in Pension Funds Administration. We were incorporated on April 14, 2005 to manage and administer retirement savings contributions of employees in Nigeria as a result of the Pension Reform Act of 2004.

Investment Management

PAL’s Investment Philosophy is premised on providing all pensionable employees in Nigeria with secure and adequate funds post-retirement, to enable them enjoy a decent standard of living. PAL will be ensuring contributions are preserved and grown to achieve real rate of return in the medium to long term..

Retirement Benefits

  • Retirees are expected to contact their PFA six (6) months to retirement.
  • Retirees are also expected to enroll for the bond registration with the National Pension Commission (PENCOM)(applicable to Federal goverment employees).
  • Retirees are to forward their Bond slips to PAL (applicable to Federal Goverment employees).
  • Upon receipt of the bond slip, PAL forwards the Retirees’ bond registration details to PENCOM (applicable to Federal Goverment employees).
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