Retirement
Five investment strategies, best-in-class net returns and a single all-in fee — so every member can shape the retirement they want.
A personal choice of strategy for every member
As careers progress, financial objectives evolve — POLARIS lets each member select the strategy that best fits their goals and risk appetite.
A growth-oriented allocation for members with a longer horizon to retirement.
Members can switch strategy twice a year, every year until retirement, at no cost.
* Actual returns are net of all fees; annualised over 7.5 years (Jan 2019 – Jun 2026). Dynamic strategy results are simulated prior to 2023; Cash strategy results from 2024 onwards. Past performance is not a guide to future returns.
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.
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.