Nigeria’s pension business maintained its regular efficiency in June 2025, delivering regular returns throughout all Retirement Financial savings Account (RSA) classes.
Regardless of tightening {financial} situations and chronic macroeconomic uncertainties, all taking part Pension Fund Directors (PFAs) posted positive aspects throughout their portfolios.
Efficiency knowledge compiled by Nairametrics recorded a mean month-to-month progress of two.53%, contributing to continued investor confidence within the pension system.
June 2025 noticed a robust exhibiting by RSA Fund I, the high-risk, high-return class, which delivered a mean return of three.73% — outperforming all different RSA funds. RSA Fund II, the default selection for energetic contributors beneath 50 years, returned 2.95% on common.
RSA Fund III, designed for contributors nearing retirement (ages 50 and above), posted a average 2.03% achieve, whereas RSA Fund IV, essentially the most conservative fund class for retirees, returned 1.46%, reflecting the sector’s cautious strategy to fixed-income investments.
Based mostly on the typical proportion change throughout all RSA fund classes, the next Pension Fund Directors emerged as the perfect performers in June 2025:
Different PFAs with strong performances embody:
RSA Fund I, designed for aggressive buyers, led the cost with a mean return of three.73%. This fund’s efficiency was pushed by strategic allocations to variable earnings devices.
Prime 3 Performers:
All 14 taking part Pension Fund Directors (PFAs) recorded constructive returns, with OAK Pensions Restricted posting the bottom return at 2.23%.
RSA Fund II, tailor-made for contributors below 50 with a medium-risk urge for food, posted a mean return of two.95% in June 2025, reflecting regular efficiency throughout the class.
Prime 3 Performers:
All 14 taking part PFAs recorded constructive returns, with NLPC Pension Fund Directors Restricted posting the bottom at 1.90%.
RSA Fund III, designed for contributors aged 50 to 60, with a 2.03% common return in June 2025, RSA Fund III remained resilient amidst a unstable fixed-income market, securing its place because the third-best performing fund among the many 4 RSA classes.
Prime 3 Performers:
As essentially the most conservative fund, RSA Fund IV posted a modest 1.46% return in June 2025, making it the lowest-performing class among the many 4 RSA funds.
Prime 3 Performers:
In accordance with the most recent knowledge from the Nationwide Pension Fee (PenCom), Nigeria’s complete pension fund belongings rose to N23.65 trillion as of April 2025 — a 1.40% improve from the earlier month. This progress displays regular contributions and market returns, regardless of inflationary pressures and overseas alternate fluctuations.
A breakdown of the portfolio reveals that Federal Authorities of Nigeria (FGN) securities stay the dominant asset class, accounting for 61.94% of complete belongings, amounting to N14.65 trillion.
Company debt securities and cash market devices symbolize 9.79% and 9.21%, respectively.
In the meantime, investments in home equities dropped to N2.57 trillion, or 10.88% of complete belongings, whereas mutual funds contributed 0.76%, totaling N180.15 billion.
As of April 2025, complete RSA registrations reached 10.72 million, reflecting a year-on-year progress of three.91%.
RSA Fund II, the default fund for energetic contributors, maintained its place as the biggest by Internet Asset Worth (NAV), holding N9.83 trillion, which accounts for 41.54% of complete pension belongings.
RSA Fund III, designed for contributors aged 50 and above, expanded to N6.20 trillion, whereas RSA Fund IV, catering solely to retirees, recorded a marginal 0.02% month-on-month progress, reaching N1.77 trillion.
