Personal choices for retirement.
Personal choices
for retirement.
Five investment strategies, best-in-class net returns and a single all-in fee — so every member can shape the retirement they want.
Polaris, the North Star, sits almost directly above the North Pole — a fixed point of light while every other star circles around it. For centuries, sailors relied on that constancy to reach their destination.
Just as it guided them, the Polaris Pension Fund guides you on the journey to retirement — a constant, reliable partner all the way to your goal.
Our name is our promise.
Registered (Reg. no. ΤΠ2863) and regulated by the Ministry of Labour under Law 10(I)/2020.
At a glance
A multi-employer, open-ended provident fund delivering optimal pension outcomes through best-in-class results.
* Includes transfer-ins not yet completed.
Individual strategy choice
Each member picks the strategy that fits their goals.
Best-in-class returns
Ranked #1 vs. competitors in every strategy.
Low expense ratio
One transparent all-in fee, no hidden charges.
Advanced online platform
Manage everything online, 24/7.
Safety of assets
Ring-fenced, separate legal entity, EU-bank custodian.
A personal choice of strategy for every member
As careers progress, financial objectives evolve — POLARIS lets each member select the strategy that best fits their goals and risk appetite.
A growth-oriented allocation for members with a longer horizon to retirement.
Members can switch strategy twice a year, every year until retirement, at no cost.
* Actual returns are net of all fees; annualised over 7.5 years (Jan 2019 – Jun 2026). Dynamic strategy results are simulated prior to 2023; Cash strategy results from 2024 onwards. Past performance is not a guide to future returns.
Ahead of the competition in every strategy
Net strategy returns versus the three largest competing provident funds — POLARIS ranks first in every strategy.
Growth of €100 invested at the start of 2019, net of all fees. Values are hidden by default — hover any point to reveal the figures. Detailed figures available on request.
| Strategy | Polaris | C1 | C2 | C3 |
|---|---|---|---|---|
| Conservative | 1 | 4 | 3 | 2 |
| Balanced | 1 | 4 | 2 | 3 |
| Growth | 1 | 3 | — | 2 |
| Dynamic | 1 | 3 | 4 | 2 |
Rank vs. the three largest competing provident funds, based on cumulative net return (YTD 2026). Full performance figures available on request.
Request detailed figures →Hassle-free & safe. Save time and money.
Joining, managing and monitoring your pension is designed to take minutes, not months.
Join or transfer in easily
Bring existing provident-fund balances across online, or with help from our Help Desk.
Effortless account management
Choose your strategy, monitor performance, request a loan and update your details.
Continuous support
Experienced staff available online and through the Help Desk whenever you need them.
Claim your benefits
When you leave your employer, retire, or transfer to a new scheme.
The Polaris platform works on desktop and mobile — balance, performance and documents in one place.
Get a loan from Polaris
Members can borrow against their balance for medical, property and education needs.
Your full balance keeps growing
The loan is not deducted from your account, so you keep earning returns on 100% of your balance.
Fast, efficient process
Apply online or via the Help Desk — applications assessed in under 10 working days.
Competitive interest rates
A low, transparent annual rate with no hidden charges.
Automatic repayment
Monthly instalments deducted directly from your salary.
A simple, fully online application
No forms to print, no appointments. Manage the whole process from your Polaris account.
- 1Log in to the portal
Open the Loans section in your Polaris account.
- 2Choose your amount & term
Borrow up to 45% of your balance and see your repayment instantly.
- 3Submit & track online
Assessed in under 10 working days — no paperwork, no branch visit.
Robust governance & asset protection
Clear roles, independent oversight and ring-fenced assets — your savings belong to you.
Asset protection & ring-fencing
Separate legal entity; assets held by an independent custodian.
Separation of duties
Operational and oversight responsibilities are clearly identified and separated.
Delegation & expert advice
Specialist advisors with distinct, defined roles.
Accountability
To members, the supervisory board and the competent authorities.
Transparent cost structure
One all-in fee; no hidden charges.
Managed by Argus
POLARIS' investment strategies are managed by Argus — 15+ years of asset-management expertise and best-in-class returns, regulated by CySEC.
Blue-chip clientele comprising the largest private and state-owned retirement schemes in Cyprus, with global investment mandates.
Assets under advisory & discretionary management (€bn)
One cost-efficient fee
0.35% administration · 0.25% asset management · 0.50% for the Cash strategy
- No entry or exit fees
- No minimum monthly fees
- No pension-scheme switching fees
- Zero fees for employers, at all times
Trusted by 110+ employers across Cyprus
From family businesses to multinational groups — a multi-employer fund with zero employer fees.
Why Polaris Pensions?
Answers to the questions we hear most often.
It is the most efficient way for you to save for your retirement.
A one-stop professional solution: best-in-class, cost-efficient investment management and administration for all retirement needs.
Polaris is a separate legal entity, so all assets belong to its members. They are held in segregated accounts with an EU bank institution, separate from managers and advisors.
Yes. Polaris is a registered IORP, so all contributions are eligible for tax deduction (independent tax advice is recommended).
Your state pension may not be enough to live on. A provident fund helps close the gap.
Yes. You can request a transfer of benefits from or to another recognised IORP.
You choose your own contribution level as a % of your annual salary — and you can change it at any time.
Choose between 5 strategies; your contributions are invested according to your own risk-return profile and goals.
Yes — twice a year, every year until retirement, at no cost.
Yes. For reasons specified under the law (education, health, property refurbishment) you may borrow up to 45% of your balance.
Administration and management fee of 0.6% per annum, all-in — no minimum, no monthly deductions.
Under current legislation: upon retirement, termination of employment or death (paid to beneficiaries).
Currently there is no tax in Cyprus on the payment of benefits to pension-fund members upon retirement.
Join online at www.polarispensions.com or call +357 22 717045.
Transferring an existing provident fund
A clear, step-by-step procedure for the transfer and dissolution of an existing provident fund into POLARIS.
EGM of the fund's members
Two-thirds of the fund's members must approve the transfer and dissolution of the provident fund.
Employer's consent
Written consent for the transfer, signed by the employer.
Agreement between the funds
The transferring and receiving funds agree the terms of the transfer.
Participation agreements
Employer and employees join POLARIS.
Request to the Registrar
Submission of the transfer request to the Registrar, including the zero account.
Completion of the transfer
Executed upon approval of the Registrar.