Pensions
A multi-employer, open-ended provident fund delivering optimal pension outcomes through best-in-class results.
At a glance
A multi-employer, open-ended provident fund delivering optimal pension outcomes through best-in-class results.
* Includes transfer-ins not yet completed.
Individual strategy choice
Each member picks the strategy that fits their goals.
Best-in-class returns
Ranked #1 vs. competitors in every strategy.
Low expense ratio
One transparent all-in fee, no hidden charges.
Advanced online platform
Manage everything online, 24/7.
Safety of assets
Ring-fenced, separate legal entity, EU-bank custodian.
One cost-efficient fee
0.35% administration · 0.25% asset management · 0.50% for the Cash strategy
- No entry or exit fees
- No minimum monthly fees
- No pension-scheme switching fees
- Zero fees for employers, at all times
Get a loan from Polaris
Members can borrow against their balance for medical, property and education needs.
Your full balance keeps growing
The loan is not deducted from your account, so you keep earning returns on 100% of your balance.
Fast, efficient process
Apply online or via the Help Desk — applications assessed in under 10 working days.
Competitive interest rates
A low, transparent annual rate with no hidden charges.
Automatic repayment
Monthly instalments deducted directly from your salary.
A simple, fully online application
No forms to print, no appointments. Manage the whole process from your Polaris account.
- 1Log in to the portal
Open the Loans section in your Polaris account.
- 2Choose your amount & term
Borrow up to 45% of your balance and see your repayment instantly.
- 3Submit & track online
Assessed in under 10 working days — no paperwork, no branch visit.
Hassle-free & safe. Save time and money.
Joining, managing and monitoring your pension is designed to take minutes, not months.
Join or transfer in easily
Bring existing provident-fund balances across online, or with help from our Help Desk.
Effortless account management
Choose your strategy, monitor performance, request a loan and update your details.
Continuous support
Experienced staff available online and through the Help Desk whenever you need them.
Claim your benefits
When you leave your employer, retire, or transfer to a new scheme.
The Polaris platform works on desktop and mobile — balance, performance and documents in one place.