See the philosophy behind every investment and purchase we go through with. Learn how we access the industry and also what metrics matters to us
We invest with high conviction, adhering to proven and repeatable investment strategies, always managed in the best interest of our shareholders.
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.
We have taken into consideration the risk tolerance of Pension Funds which include factors such as:
We have also acknowledged the changing Capital Market expectations such as:
In light of the above limiting Pension constraints, we are adopting an integrated Asset Allocation strategy that selects an optimal portfolio of assets which would meet employee’s contribution goals. In allocating funds to the various Asset classes and investment instruments, we are guided by (1) legal requirement by National Pension Commission (PENCOM) for investment and (2) Our Research Approach: