Best in class investment performance Personal choice of investments
Low administration fees
Asset protection...
…for the retirement you deserve

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About Us

Established in 2010

We are a multi-employer, open-ended provident fund available to all employers and their employees via a simple sign-up process.

Objective

Our core objective is to offer optimal pension benefit outcomes through robust governance and custodianship and best in class results.

Regulated

Regulated by the Ministry of Labour (Law 10(I), 2020) harmonized with the European directive (EU) 2016/2341 (IORP II).

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10th YEAR ANNIVERSARY

We celebrate this by reinforcing our core strengths and enhancing our product offering

established

Investment choice

Member choice of life
Cycle-based strategies
Ability to change strategy
Simple and clear communication - web portal

objective

Best in class cost efficient returns

Best-in-class asset management expertise
Superior cost adjusted returns
Market leading cost efficient structure

regulated

Governance and asset protection

Strict adherence to Governance
Best Practices
Segregation and ringfencing for
asset protection
Clear separation of oversight responsibilities

What we offer

  • Asset security through safeguarding / segregation of Funds’ assets
  • Strict application of governance best practices
  • Best-in-class portfolio returns
  • Professional management and administration
  • Selection of investment strategy by each member to better suit lifestyle investing
  • Market leading cost effectiveness
  • Online account access and management

How does it work?

Join

  • Join (online or by phone) if you meet the criteria
  • Define preferred contribution levels

Contribute and invest

  • Contribute monthly
  • Select strategy for investment of all contributions

Manage account securely

  • Request a loan (health, education or housing)
  • Change contribution levels
  • Change your investment strategy

Receive your benefits

  • Receive your benefits when you leave your employer or retire as defined by the law

Cost efficient all in one fee

0.72% per annum


  • 0.47% admin + 0.25% asset management fee
  • No entry or exit fees
  • No monthly account fee
  • No minimum fees
  • No pension scheme switching fees

Why Polaris Pensions?

Why a provident fund?

It is the most efficient way for you to save for your retirement

What will your Social Insurance pension be?

Your state pension may not be enough for you to live on. You may be required to cut down on various items

why-us

Why should I save now?

People live longer so starting early means more contributions and higher investment returns

What will your Social Insurance pension be?

Your state pension may not be enough for you to live on. You may be required to cut down on various items

Online account access
Save time and money

  • No administration hustle
  • Online portal for account management
  • New registrations
  • Investment choice management (choice and switching)
  • Account info
  • Contribution management
  • Loan applications