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PenTrust Pension

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PenTrust Pension

PenTrust is a licensed pension fund trustee and retirement advisory firm for SMEs, individuals and corporate institutions

PenTrust is a regulated Pension Fund Trustee and a Retirement Advisory and Education Firm with focus on the pension needs of employees of Small and Medium corporate entities and also on retail pension (individual). Our Retail Pension schemes provide an opportunity for individuals in the formal or informal sectors to plan and save towards their own retirement while accumulating some wealth in the

mandatory schemes. We are passionate about Women and determined to fight old age poverty among them. To this wend, we are the only Trustee in Ghana with a specific retirement product called She Retires to help women save towards their retirement and Retire in Absolute Comfort

27/08/2026

𝗧𝗛𝗘 𝗦𝗔𝗟𝗔𝗥𝗬 𝗜𝗡𝗖𝗥𝗘𝗔𝗦𝗘 𝗧𝗛𝗔𝗧 𝗖𝗛𝗔𝗡𝗚𝗘𝗗 𝗘𝗩𝗘𝗥𝗬𝗧𝗛𝗜𝗡𝗚
Episode 1
When Adwoa got the call from her manager, she couldn't stop smiling.
After six years of working hard, she had finally been promoted.
Her salary had increased by almost 30%.
That evening, she called her best friend, Esi.
“Finally!” Adwoa said. “Now I can breathe.”
And she had plans.
The old phone she had been using for years had to go.
She had also been putting off moving into a nicer apartment. Now she could afford it.
Then there was the car she had been eyeing for months.
“It's okay,” she told herself. “I'll be able to afford the payments now.”
For the first time in years, Adwoa felt like she had finally arrived.
Her new salary came in.

And within a few months, her life looked very different.
New phone.
New apartment.
New car.
More dinners.
More weekend outings.
More subscriptions.
More things she had previously told herself she couldn't afford.
She wasn't being reckless, she thought.
She was simply enjoying the money she had worked so hard for.
Then one afternoon, about a year after her promotion, Esi called her.

“Adwoa, how much are you actually able to save every month now?”
Adwoa laughed.
“Save? Ei, Esi. I thought you were going to ask me how much I earn!”
They both laughed.
But the question stayed with her.
That evening, Adwoa opened her banking app and started looking at her expenses.
For the first time, she realised something uncomfortable.
𝗛𝗲𝗿 𝘀𝗮𝗹𝗮𝗿𝘆 𝗵𝗮𝗱 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗲𝗱.
𝗕𝘂𝘁 𝗵𝗲𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗳𝗿𝗲𝗲𝗱𝗼𝗺 𝗱𝗶𝗱𝗻’𝘁
And then she asked herself a question she wished she had asked much earlier...
“𝗪𝗵𝗲𝗿𝗲 𝗱𝗶𝗱 𝗮𝗹𝗹 𝘁𝗵𝗲 𝗲𝘅𝘁𝗿𝗮 𝗺𝗼𝗻𝗲𝘆 𝗴𝗼?”

To be continued…

26/08/2026

𝗬𝗼𝘂𝗿 𝗣𝗲𝗻𝘀𝗶𝗼𝗻 𝗜𝘀 𝗠𝗼𝗿𝗲 𝗧𝗵𝗮𝗻 𝗮 𝗗𝗲𝗱𝘂𝗰𝘁𝗶𝗼𝗻
Many employees see the pension deduction on their pay slip and think:
“My salary has been reduced again.”

But what if we changed the way we view it?
A pension contribution is part of the compensation being set aside to support your future financial security.
We can discuss how employees often pay attention to their net salary but rarely ask:
• Where is my pension going?
• Who is managing it?
• How much has accumulated?
• Are my details up to date?
• Who are my beneficiaries?
Your pension deserves the same attention you give to the salary that lands in your bank account.
𝗣𝗲𝗻𝗧𝗿𝘂𝘀𝘁 𝗶𝘀 𝗵𝗲𝗿𝗲 𝘁𝗼 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗽𝗹𝗮𝗻 𝗮 𝗰𝗼𝗺𝗳𝗼𝗿𝘁𝗮𝗯𝗹𝗲 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁

25/08/2026

𝗧𝗵𝗲 𝗧𝗵𝗶𝗻𝗴𝘀 𝗪𝗲 𝗕𝘂𝘆 𝘁𝗼 𝗙𝗲𝗲𝗹 𝗕𝗲𝘁𝘁𝗲𝗿
Have you ever had a difficult week and decided you deserved a little treat?
Maybe it was a new outfit.
Maybe it was food you had not planned to buy.
Maybe it was a gadget you had been eyeing for weeks.
And because you worked hard, you told yourself, “I deserve this.”

There is nothing wrong with enjoying your money.
The problem begins when spending becomes our favorite way of rewarding ourselves, comforting ourselves or proving to ourselves that we are doing well.
A purchase can make you feel good today without making your financial life better tomorrow.
And the danger is that these decisions rarely feel significant individually.
One meal.
One outfit.
One subscription.
One gadget.
One “I'll pay for it later.”

But financial outcomes are often the result of small decisions repeated over time.
This is why financial discipline is not about refusing yourself every pleasure.
It is about being intentional enough to know when you are spending because something truly matters and when you are simply responding to a feeling.
Before you spend, ask yourself:
𝗔𝗺 𝗜 𝗯𝘂𝘆𝗶𝗻𝗴 𝘁𝗵𝗶𝘀 𝗯𝗲𝗰𝗮𝘂𝘀𝗲 𝗜 𝗻𝗲𝗲𝗱 𝗶𝘁, 𝗼𝗿 𝗯𝗲𝗰𝗮𝘂𝘀𝗲 𝗜 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗳𝗲𝗲𝗹 𝗯𝗲𝘁𝘁𝗲𝗿?
Sometimes, putting the money away will give you a much better feeling later.

𝗔𝘁 𝗣𝗲𝗻𝗧𝗿𝘂𝘀𝘁, 𝘄𝗲 𝗵𝗲𝗹𝗽 𝗶𝗻𝗱𝗶𝘃𝗶𝗱𝘂𝗮𝗹𝘀 𝗺𝗮𝗸𝗲 𝗶𝗻𝘁𝗲𝗻𝘁𝗶𝗼𝗻𝗮𝗹 𝗰𝗵𝗼𝗶𝗰𝗲𝘀 𝘁𝗼𝗱𝗮𝘆 𝘁𝗵𝗮𝘁 𝘀𝘂𝗽𝗽𝗼𝗿𝘁 𝗴𝗿𝗲𝗮𝘁𝗲𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄. 𝗬𝗼𝘂𝗿 𝗳𝘂𝘁𝘂𝗿𝗲 𝗱𝗲𝘀𝗲𝗿𝘃𝗲𝘀 𝗮 𝗽𝗹𝗮𝗻.

21/08/2026

𝗪𝗵𝗮𝘁 𝗔𝗿𝗲 𝗬𝗼𝘂 𝗔𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗦𝗮𝘃𝗶𝗻𝗴 𝗙𝗼𝗿?
If I asked you today what the money you're putting aside is meant to achieve in five, ten or twenty years, would you have an answer?
“I'm saving for the future” sounds responsible, but the future is too vague.
Saving for what?
• A house?
• Children's education?
• An emergency?
• A business?
• Retirement?
Different goals require different timelines and approaches.
Money becomes easier to manage when you give it a purpose.

𝗣𝗲𝗻𝗧𝗿𝘂𝘀𝘁 𝗶𝘀 𝗵𝗲𝗿𝗲 𝘁𝗼 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗽𝗹𝗮𝗻 𝗮 𝗰𝗼𝗺𝗳𝗼𝗿𝘁𝗮𝗯𝗹𝗲 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁.

20/08/2026

𝗧𝗵𝗲 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗢𝘄𝗻𝗲𝗿 𝗪𝗵𝗼 𝗙𝗼𝗿𝗴𝗼𝘁 𝗛𝗲𝗿𝘀𝗲𝗹𝗳

𝗘𝗽𝗶𝘀𝗼𝗱𝗲 𝟮
If Akosua stopped working tomorrow, what would happen?
Almost everything she had built was tied to the business.
Her retirement plan was ‘the business’.
Her children's future was ‘the business’.
Her financial security was ‘the business’.

As entrepreneurs, we spend years building businesses that can outlive us but sometimes forget to build a financial future that doesn't depend entirely on the business continuing to run.
We celebrate turnover, expansion, new branches and bigger teams. But building a successful business and building personal financial security are not the same thing.

Your business should create wealth for you. It should not become the only thing standing between you and financial uncertainty.
Build the business.
But while you are building it, remember to build yourself too.
Because one day, you should be able to step away from the business without stepping away from your financial security.

𝗔𝘁 𝗣𝗲𝗻𝗧𝗿𝘂𝘀𝘁, 𝘄𝗲 𝗵𝗲𝗹𝗽 𝗦𝗠𝗘𝘀 𝗮𝗻𝗱 𝗴𝗿𝗼𝘄𝗶𝗻𝗴 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀 𝗯𝘂𝗶𝗹𝗱 𝗺𝗲𝗮𝗻𝗶𝗻𝗴𝗳𝘂𝗹 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗳𝗼𝗿 𝘁𝗵𝗲𝗶𝗿 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝘀 𝘄𝗵𝗶𝗹𝗲 𝗵𝗲𝗹𝗽𝗶𝗻𝗴 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗼𝘄𝗻𝗲𝗿𝘀 𝗽𝗹𝗮𝗻 𝗳𝗼𝗿 𝘁𝗵𝗲𝗶𝗿 𝗼𝘄𝗻 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗳𝘂𝘁𝘂𝗿𝗲. 𝗟𝗲𝘁’𝘀 𝗯𝘂𝗶𝗹𝗱 𝗯𝗲𝘆𝗼𝗻𝗱 𝘁𝗵𝗲 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀.

19/08/2026

𝗧𝗵𝗲 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗢𝘄𝗻𝗲𝗿 𝗪𝗵𝗼 𝗙𝗼𝗿𝗴𝗼𝘁 𝗛𝗲𝗿𝘀𝗲𝗹𝗳
She Built the Business. But Was She Building for Herself?

𝗘𝗽𝗶𝘀𝗼𝗱𝗲 𝟭
A few years ago, I met Aba, a business owner who had built something impressive from almost nothing.
Aba’s business was growing. She had employees. She was paying suppliers on time, reinvesting her profits, and constantly looking for ways to expand.
Whenever we spoke about planning for her future, she would say, “Let me grow the business first.”
It sounded reasonable.
After all, the business was her biggest investment.
Until one day, I asked her a simple question:
“𝗔b𝗮, 𝘄𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝗶𝗳 𝘆𝗼𝘂 𝘀𝘁𝗼𝗽 𝘄𝗼𝗿𝗸𝗶𝗻𝗴 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄?"
Her answer made me realize just how many business owners may be asking themselves the wrong question.

𝗧𝗼 𝗯𝗲 𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗲𝗱…

18/08/2026

𝐓𝐡𝐞 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐏𝐥𝐚𝐧 𝐘𝐨𝐮 𝐃𝐨𝐧'𝐭 𝐇𝐚𝐯𝐞
People are very good at planning for things they can see.
They plan for:
• Their children's education
• Weddings
• Buying a house
• Starting a business
• Buying a car
But retirement can feel so far away that it gets pushed to the bottom of the list.

If your salary stopped tomorrow, how long could your current lifestyle continue?

Retirement planning should be treated as a financial milestone that deserves the same planning attention as every other major life go.

14/08/2026

𝐓𝐖𝐎 𝐅𝐑𝐈𝐄𝐍𝐃𝐒, 𝐓𝐖𝐎 𝐅𝐈𝐍𝐀𝐍𝐂𝐈𝐀𝐋 𝐅𝐔𝐓𝐔𝐑𝐄𝐒
Episode 2

It started with a conversation over lunch.
Kojo and Kofi were catching up after several months without seeing each other.
They talked about work, family, football and the usual things friends discuss.
Then Kojo asked:
“So, how are you managing these days?”
Kofi smiled.
“I'm okay. I've been planning for the future.”
Kojo laughed.
“The future? My brother, I'm still trying to survive the present!”

But Kofi wasn't talking about having a perfect financial life.
He had simply been consistent.
Whenever his salary increased, he increased his savings and retirement contributions.
He had learned to enjoy his income without spending all of it.
Kojo, on the other hand, had spent most of the years increasing his lifestyle whenever his income increased.
Looking back, neither man had earned dramatically more than the other.
The difference was what they did with the money they earned.
One had consistently turned part of today's income into tomorrow's security.
The other had consistently turned increases in income into increases in lifestyle.

That conversation stayed with Kojo.
He realized that financial wealth isn't always about who earns the most.
Sometimes, it is about who makes the most intentional decisions with what they earn.
Your financial future is being shaped by today's choices, even when you don't notice it.
You don't have to wait until you earn more to start planning.
Start where you are. Build the habit. Give it time.

𝐀𝐭 𝐏𝐞𝐧𝐓𝐫𝐮𝐬𝐭, 𝐰𝐞 𝐡𝐞𝐥𝐩 𝐢𝐧𝐝𝐢𝐯𝐢𝐝𝐮𝐚𝐥𝐬 𝐛𝐮𝐢𝐥𝐝 𝐥𝐨𝐧𝐠-𝐭𝐞𝐫𝐦 𝐀𝐭 𝐏𝐞𝐧𝐓𝐫𝐮𝐬𝐭, 𝐰𝐞 𝐡𝐞𝐥𝐩 𝐢𝐧𝐝𝐢𝐯𝐢𝐝𝐮𝐚𝐥𝐬 𝐛𝐮𝐢𝐥𝐝 𝐥𝐨𝐧𝐠-𝐭𝐞𝐫𝐦 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐞𝐜𝐮𝐫𝐢𝐭𝐲 𝐭𝐡𝐫𝐨𝐮𝐠𝐡 𝐬𝐢𝐦𝐩𝐥𝐞, 𝐞𝐟𝐟𝐞𝐜𝐭𝐢𝐯𝐞 𝐚𝐧𝐝 𝐩𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥𝐥𝐲 𝐦𝐚𝐧𝐚𝐠𝐞𝐝 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐞𝐜𝐮𝐫𝐢𝐭𝐲 𝐭𝐡𝐫𝐨𝐮𝐠𝐡 𝐬𝐢𝐦𝐩𝐥𝐞, 𝐞𝐟𝐟𝐞𝐜𝐭𝐢𝐯𝐞 𝐚𝐧𝐝 𝐩𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥𝐥𝐲 𝐦𝐚𝐧𝐚𝐠𝐞𝐝 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬.

The future will come. The question is: will you be financially ready for it?

13/08/2026

𝐓𝐖𝐎 𝐅𝐑𝐈𝐄𝐍𝐃𝐒, 𝐓𝐖𝐎 𝐅𝐈𝐍𝐀𝐍𝐂𝐈𝐀𝐋 𝐅𝐔𝐓𝐔𝐑𝐄𝐒
Episode 1
When Kojo and Kofi graduated from university, they promised each other they would
make something of themselves.
They got their first jobs within a few months of each other.
Their salaries were almost the same.
They lived in the same neighborhood, enjoyed football, loved going out with friends
and had plenty of plans for the future.
Whenever they met after work, they would joke about what they would do once they
started earning “real money.”
A few years passed.
Then their salaries increased.
Kojo was excited.
“This is our time,” he told Kofi. “We have worked hard for this.”
And Kojo meant it.
He upgraded his phone. Then came a better apartment. More expensive weekends.
More meals at restaurants. A few trips with friends.
Whenever Kofi suggested putting some of the extra money aside, Kojo would laugh.
“Bro, we are still young. We will save when we start earning serious money.”
Kofi understood.
He also wanted to enjoy his money.
But he had made one decision.
Every time his income increased, he would increase the amount he put aside before
adjusting his lifestyle.
It wasn't much at first.
But he kept doing it.
Month after month.
Year after year.
Neither man thought much about the difference.
After all, they were both working.
They were both earning.
They were both enjoying life.
Then, almost ten years after they started working, something happened that made
Kojo look at his financial life very differently.

To be continued…

12/08/2026

𝐘𝐎𝐔𝐑 𝐌𝐎𝐍𝐄𝐘 𝐇𝐀𝐁𝐈𝐓𝐒 𝐀𝐑𝐄 𝐒𝐇𝐀𝐏𝐈𝐍𝐆 𝐘𝐎𝐔𝐑 𝐅𝐔𝐓𝐔𝐑𝐄
Financial outcomes are not only about how much you earn. They are also about what you do with what you earn.
Procrastinating on saving.
Spending to maintain a lifestyle.
Putting off important financial decisions.
Failing to plan ahead.

These may seem like small behaviours, but over time, they can have a big impact on your financial future.

Because sometimes, the biggest change we need to make is not to our income, but to our behaviour towards money.

Stay with us. Let’s talk about money, choices and the future we’re building.
PenTrust is committed to making pension advisory and education simple and accessible to everyone.

Address

No. 3 Borsue Link, Asylum Down
Accra

Opening Hours

Monday	08:00 - 17:00
Tuesday	08:00 - 17:00
Wednesday	08:00 - 17:00
Thursday	08:00 - 17:00
Friday	08:00 - 17:00

Telephone

+233302901500

Website

https://www.pentrustgh.com/

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