What Happens to Your Pension When You Leave a Job in Nigeria
Resigning or being let go does not touch your RSA. Here is what the employer still owes, what to check in your last month, and how to carry the PIN forward.
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Pension contributions, RSAs, PenCom rules, group life and the National Housing Fund.
Voluntary Pension Contributions in Nigeria: How Much Tax They Save
A voluntary RSA contribution lowers taxable income. Worked figures show ₦50,000 a month saving ₦108,000 a year on a ₦500,000 salary, and what you give up.
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Can You Withdraw From Your RSA? The 25% Rules for Housing and Unemployment
You may be able to take up to 25% of your RSA after 4 months without a job, or use up to 25% as mortgage equity. Here is who qualifies and what it costs you.
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When the Employer Pays All of the Pension: The 20% Rule Explained
When no pension is deducted from the employee, the employer must pay at least 20%. Two worked cases compare net pay, PAYE and employer cost with the 8% plus 10% split.
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Pension Contribution Examples by Salary in Nigeria: 8% and 10% on ₦100,000 to ₦1,000,000
Two lookup tables show employee 8%, employer 10% and the 18% total on ten salaries, plus how to check a credit on your RSA statement against them.
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PenCom Compliance Certificate: What It Is and How Employers Get One
Contracts and tenders sometimes ask for proof of pension compliance. See what PenCom looks at and how to prepare your records, with a worked arrears example.
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How to Open an RSA and Get Your Pension PIN in Nigeria
Every covered employee needs an RSA. Here is how to pick a PFA, what documents are usually asked for, how to get your PIN and what to tell HR.
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How to Change Your PFA in Nigeria: RSA Transfer Rules and Steps
You can move your RSA to a new PFA and keep your PIN. See the steps through the new PFA, what to check before switching and what HR must update.
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Pension for Contract, Casual and Part-Time Staff in Nigeria
Who must be enrolled in pension: probationers, fixed-term, part-time, casual and agency workers, with the cost of a 12-month gap worked out.
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RSA and PFA Explained: How to Choose a Pension Fund Administrator
Plain-language guide to your RSA, PIN and PFA: who chooses the administrator, how to compare them, switch, and catch missing contributions.
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Retirement Benefits in Nigeria: Lump Sum, Annuity and Programmed Withdrawal Explained
When you can draw your RSA, how programmed withdrawal, annuity and lump sum differ, the 25% early-access rules, and how employers can prepare staff.
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NHF in Nigeria: Is the 2.5% Deduction Still Compulsory for Private Sector Staff?
NHF is 2.5% of basic salary, compulsory in the public sector and voluntary in the private sector. What employers should do now, with a worked tax example.
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Pension Remittance in Nigeria: The 7-Working-Day Rule and the 2% Monthly Penalty
How the 7-working-day pension deadline is counted, how the 2% monthly penalty adds up on a real late-payment case, and what to do if you are behind.
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How to Calculate Pension Contributions in Nigeria (8% Employee, 10% Employer)
The pension formula with three worked salary structures, what happens to other allowances, and how the 20% employer-only arrangement differs.
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Pension Compliance for Nigerian SMEs With 3 or More Employees
The pension duties of a Nigerian employer with 3 or more staff, in order: RSAs, 18% or 20% rates, 7-working-day remittance, group life and documents to keep.
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Your Pension Rights Under the Pension Reform Act 2014 (Employee Guide)
An employee's guide to PRA 2014: how much must be paid into your RSA, how to check remittance, what to do if it stops, group life cover and withdrawals.
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