Trusted ever since
About People's Pension Trust
Built for Ghana's Workers. Powered by Technology.
We are an NPRA-licensed pension trustee committed to making retirement savings accessible, flexible, and rewarding for every Ghanaian — from the corporate professional to the market trader.
Fully Licensed
Regulated by NPRA under the National Pensions Act
Digital First
Mobile-native platform with MTN MoMo integration
Inclusive
Designed for formal and informal sector workers
Transparent
Real-time account access and clear reporting
Our Products
Pension Solutions for Every Stage of Life
From your first job to your last working day — we have a plan built for your situation.
Personal Pension Scheme
A voluntary pension plan for professionals and self-employed Ghanaians.
- Voluntary top-up contributions
- Tax-efficient savings
- Online account management
Occupational Pension Scheme
Tier 2 pension for employers providing above-standard retirement benefits.
- Tier 2 compliant
- Employer contributions
- Corporate dashboard
Provident Fund Scheme
Flexible defined contribution scheme with portable retirement benefits.
- Flexible contribution rates
- Lump sum retirement
- Portable benefits
Scheme Administration
Compliance, reporting, member records and claims support.
- NPRA filings
- Member records
- Benefit calculations
FlexiPENSION
Ghana's first mobile-money pension. Save anytime, any amount directly from your MTN MoMo wallet. Built for traders, drivers, artisans, farmers, and gig workers with irregular income.
- Save from GHS 2 — no minimum
- Powered by MTN Mobile Money
- Flexible schedule — save when you can
- Access funds when needed
- 1 Open the MoMo App
- 2 Financial Services → Pension
- 3 Select FlexiPension
- 4 Enter details & confirm
- 5 Your future grows 📈
Why Choose PPT
The Pension Provider That Works as Hard as You Do
We combine regulatory rigour with genuine innovation — because your retirement deserves both security and growth.
Ready to start your pension?
Join thousands of Ghanaians already securing their future with People's Pension Trust.
Open an AccountNPRA Licensed
Fully regulated under Ghana's National Pensions Act. Your savings are protected by law.
Mobile-First
Manage your pension entirely from your phone. No branches, no queues, no hassle.
Flexible Contributions
Whether you earn daily or monthly, our plans adapt to your income pattern.
Competitive Returns
Your contributions are invested by expert fund managers to maximise growth.
Dedicated Support
Real people who answer the phone and solve problems when you need help.
Full Transparency
Real-time statements, clear fees, and no hidden charges.
Member Stories
Trusted by Real Ghanaians
News & Insights
Latest from PPT
Trusted Partners & Affiliates
FAQ
Frequently Asked Questions
Find answers to some of our most common questions about pensions, contributions and retirement planning.
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