FMT Personal Pensions

The First Merit Personal Pension Scheme is a registered Tier 3 Personal Pension scheme which offers risk-free high returns benefits to its members. FMT is led by experienced investment analysts and scheme administrators with several years’ experience in managing institutional and collective sovereign funds. Being a member of First Merit Personal Pension Scheme means you will benefit from the expertise in which First Merit Trust will use in the administration of the Scheme and the excellent and exceptional customer service of our staff. The Assets of this scheme are invested in critically analysed risk-protected, and properly diversified portfolios to maximise returns and eliminate risks in the long term
Flexible Fees: The statutory fees to be charged on a Pension Scheme as specified by the NPRA is 2.5%. However FMT is open to negotiate to reduce these fees.
Mortgage: It is possible to use your Pension Funds with FMT as a collateral to acquire a mortgage facility.
Lump Sum Benefit: Every member of the scheme will be entitled to a lump sum from the scheme. This will be paid to every member who can no longer do any meaningful work.
Monthly Pension: Members who remain regular contributors with the scheme for 15 years or more shall qualify for pension payment every month until death. This is designed to give all informal sector workers who will sign on to the First Merit Personal Pension Scheme nonstop monthly pension.
Disability Lump Sum Benefit: In case of permanent disability or illness of any kind which renders members unable to work, members of the First Merit Occupational Pension Scheme will under such situations be entitled to a lump sum payment as pension benefits.
Survivor Lump Sum Benefit: Benefit will be paid in a lump sum to the beneficiary nominated by a member of the scheme upon his/her death. This happens when the contributor dies before claiming his or her pension.


#18 Dzorwulu Crescent Accra
+233 (0) 302-779-396
+233 (0) 303-942-082