In Ghana’s dynamic economic environment, staying informed is essential to making sound financial decisions.  At Enterprise Trustees, we’re committed to helping you understand how national trends impact your pension and long-term financial well-being.

As stewards of your retirement savings, we aim to provide transparent insights into the economic landscape—so you’re better equipped to plan, save, and grow with confidence.  Here's a breakdown of key updates based on the latest national budget and market developments:

1. How Inflation Affects Your Retirement Savings:

The government’s 2025 economic goals include reducing inflation from 23.1% to 11.9% and achieving GDP growth of 4%.  These targets signal a more stable financial climate, with potential benefits for investors and savers alike.

Even in the face of inflation, our strategies are focused on protecting your pension. Through sound investment practices and continuous market reviews, we work to ensure your savings maintain their value and continue to grow.

2. No New Tier 3 Incentives—But More Room to Save:

While the 2025 budget didn’t introduce fresh Tier 3 incentives, the removal of the E-Levy, betting tax, and emissions levy means more money stays in your pocket—an ideal opportunity to boost your voluntary retirement savings.

And if you're in the informal sector, you’re not left out. Our Enterprise Personal Pension Plan (EPP) lets you make flexible contributions, empowering you to build a secure retirement regardless of employment type or status.

3. Is Your Long-Term Pension Safe?

The government’s efforts to reduce the fiscal deficit (from 7.9% in 2024 to 3.1% in 2025) could influence interest rates, affecting the returns on fixed-income securities in pension portfolios.

That’s why we continuously review and rebalance our investment mix—diversifying across asset classes to manage risk and maintain growth. Even in uncertain times, our goal is to deliver steady returns and safeguard your future.

4. Enterprise Trustee Advises:

💰 Boost Tier 3 Contributions

Take advantage of tax benefits and the flexibility of voluntary pension plans like the EPP.

📈 Stay the Course

Keep contributing regularly—even during tough times, consistency builds resilience and long-term wealth.

🌱 Diversify Locally

Offshore investments are limited, so we emphasize diverse, high-quality local assets for stability and growth.

🧠 Stay Informed

Track inflation, tax changes, and economic indicators to make empowered financial decisions.

WE'RE HERE TO HELP YOU THRIVE

The 2025 budget brings both challenges and opportunities, however, be rest assured, with Enterprise Trustees, your pension is in capable hands. Our strategic approach to diversification, risk management, and active investing ensures that your retirement is not only secure but also primed for long-term growth.

Enterprise. Your Advantage.