FCMB Pensions Ltd Outshines Competition in July 2025 with a 5.68% Return on Pension Funds
In a remarkable show of growth, Nigeria's pension industry delivered positive returns across all Retirement Savings Account (RSA) fund categories in July 2025. The industry's average fund growth stood at 4.20% for the month.
Leading the pack was Crusader Sterling Pensions, which was the top performer in both RSA Fund III and RSA Fund IV. Crusader Sterling Pensions recorded a 5.32% return in RSA Fund III and a 2.88% return in RSA Fund IV. FCMB Pensions Limited also made a strong showing, emerging as the top performer with a monthly average return of 5.68%.
RSA Fund III, targeted at pre-retirees (50+), returned a 2.06% gain. In this category, Crusader Sterling Pensions and FCMB Pensions Limited were the standout performers. RSA Fund III, designed for contributors aged 50 and above, had a 3.18% average return in July 2025.
The most conservative fund for retirees, RSA Fund IV, posted a 1.99% return in July 2025. Trustfund Pensions Plc and Crusader Sterling Pensions were the top performers in this category, with returns of 2.58% and 2.88% respectively.
RSA Fund I, the high-risk, high-return category, delivered the highest average return of 6.30% in July 2025.
Notable mentions include Pensions Alliance Limited, which had an average return of 5.62%, with a strong and consistent performer across all funds. Trustfund Pensions Plc also posted a remarkable 9.37% gain in RSA Fund I - the highest return among all Pension Fund Administrators (PFAs) in any fund category.
As of June 2025, Nigeria's total pension fund assets stood at N24.63 trillion. Federal Government of Nigeria (FGN) securities account for 61.65% of total pension assets, amounting to N15.19 trillion.
It's important to note that while all PFAs recorded gains in July 2025, the pension fund management with the second-best monthly decline in July 2025 is not specified in the available data.
In summary, July 2025 was a month of growth for Nigeria's pension industry, with all RSA fund categories recording gains. Crusader Sterling Pensions led the way as the top performer in two fund categories, while FCMB Pensions Limited and Pensions Alliance Limited also made strong showings. The high-risk, high-return RSA Fund I delivered the highest average return, while RSA Fund III and IV, designed for pre-retirees and retirees respectively, also posted impressive gains. The industry's total assets stand at N24.63 trillion, with FGN securities accounting for 61.65% of this total.
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