{"id":16173,"date":"2025-09-08T11:10:21","date_gmt":"2025-09-08T11:10:21","guid":{"rendered":"https:\/\/www.bpe.gov.ng\/newsite\/?page_id=16173"},"modified":"2025-12-16T11:36:43","modified_gmt":"2025-12-16T11:36:43","slug":"pension-reform-nigeria","status":"publish","type":"page","link":"https:\/\/bpe.gov.ng\/staging\/pension-reform-nigeria\/","title":{"rendered":"Pension Sector Reform"},"content":{"rendered":"<div class=\"wpb-content-wrapper\" id=\"wpb-content-root\">[vc_row full_width=&#8221;stretch_row&#8221; full_height=&#8221;yes&#8221; pix_bg_grdient=&#8221;bg-gradient-primary&#8221; fade_in_opacity=&#8221;pix-opacity-1&#8243; b_divider_in_front=&#8221;true&#8221; pix_particles_check=&#8221;&#8221; pix_overlay_color=&#8221;gradient-primary&#8221; css=&#8221;.vc_custom_1757334027461{padding-top: 40px !important;padding-bottom: 40px !important;}&#8221; pix_overlay_opacity=&#8221;0.85&#8243; fade_in_intro=&#8221;16179&#8243;][vc_column parallax=&#8221;content-moving-fade&#8221; parallax_speed_bg=&#8221;40&#8243; width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1577165868853{padding-top: 100px !important;padding-bottom: 100px !important;}&#8221;]<div id=\"el1753753288006-4a6d466a-ba79\" class=\"mb-3 pix-sliding-text-element text-left  vc_custom_1757329142801\"><h1 class=\"mb-32 pix-sliding-headline-2 animate-in font-weight-bold secondary-font \" data-anim-type=\"pix-sliding-text\" data-class=\"secondary-font text-white\" style=\"\"><span class=\"slide-in-container \"><span class=\"pix-sliding-item secondary-font text-white\" style=\"transition-delay: 0ms;\">Pension&#32;<\/span><\/span> <span class=\"slide-in-container \"><span class=\"pix-sliding-item secondary-font text-white\" style=\"transition-delay: 150ms;\">Sector&#32;<\/span><\/span> <\/h1><\/div>[\/vc_column][vc_column width=&#8221;1\/3&#8243;][\/vc_column][\/vc_row][vc_section full_width=&#8221;stretch_row&#8221; pix_over_visibility=&#8221;&#8221; css=&#8221;.vc_custom_1737524381940{padding-top: 40px !important;padding-bottom: 80px !important;background-color: #ffffff !important;}&#8221;][vc_row full_width=&#8221;stretch_row&#8221; pix_particles_check=&#8221;&#8221; css=&#8221;.vc_custom_1577042313872{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 20px !important;padding-bottom: 20px !important;background-color: #ffffff !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1734403389023{padding-top: 100px !important;}&#8221;]<div id=\"el1737286342781-526ad8ac-c006\" class=\"mb-3 pix-sliding-text-element text-left  vc_custom_1757329208967\"><h3 class=\"mb-32 pix-sliding-headline-2 animate-in font-weight-bold secondary-font \" data-anim-type=\"pix-sliding-text\" data-class=\"secondary-font text-gradient-primary\" style=\"\"><span class=\"slide-in-container \"><span class=\"pix-sliding-item secondary-font text-gradient-primary\" style=\"transition-delay: 0ms;\">Background&#32;<\/span><\/span> <span class=\"slide-in-container \"><span class=\"pix-sliding-item secondary-font text-gradient-primary\" style=\"transition-delay: 150ms;\">of&#32;<\/span><\/span> <span class=\"slide-in-container \"><span class=\"pix-sliding-item secondary-font text-gradient-primary\" style=\"transition-delay: 300ms;\">the&#32;<\/span><\/span> <span class=\"slide-in-container \"><span class=\"pix-sliding-item secondary-font text-gradient-primary\" style=\"transition-delay: 450ms;\">Pension&#32;<\/span><\/span> <span class=\"slide-in-container \"><span class=\"pix-sliding-item secondary-font text-gradient-primary\" style=\"transition-delay: 600ms;\">Sector&#32;<\/span><\/span> <\/h3><\/div>[vc_column_text css=&#8221;&#8221;]Before the reforms, Nigeria\u2019s Pension Reform system was largely fragmented, unsustainable, and inadequate. The public sector operated an unfunded, defined-benefit scheme that depended solely on annual budgetary provisions, while the private sector had inconsistent and poorly regulated arrangements. This system led to huge pension arrears, lack of accountability, and financial insecurity for retirees who had dedicated years of service to the nation.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243; pix_particles_check=&#8221;1&#8243; pix_particles=&#8221;%5B%7B%22image%22%3A%22https%3A%2F%2Fessentials.pixfort.com%2Foriginal%2Fwp-content%2Fuploads%2Fsites%2F4%2F2019%2F12%2Floop-3.png%22%2C%22h_position%22%3A%22left%22%2C%22horizontal%22%3A%2215%25%22%2C%22v_position%22%3A%22top%22%2C%22vertical%22%3A%225%25%22%2C%22depth%22%3A%220.2%22%2C%22xaxis%22%3A%22100%22%2C%22yaxis%22%3A%220%22%2C%22rotation_speed%22%3A%22300%22%2C%22img_width%22%3A%2275%25%22%2C%22animation%22%3A%22fade-in%22%2C%22delay%22%3A%22500%22%2C%22pix_infinite_animation%22%3A%22pix-rotating-inverse%22%2C%22pix_infinite_speed%22%3A%22pix-duration-slow%22%7D%5D&#8221; css=&#8221;.vc_custom_1753754746692{padding-top: 80px !important;}&#8221;]<div id=\"img-5cd81dc35e848553a516b076c86300d7\" class=\"pix-img-element d-inline-block \"  ><div class=\"pix-bounce-sm pix-duration-slow\"><div class=\"animate-in d-inline-block\" data-anim-type=\"fade-in-left\" data-anim-delay=\"0\"><div class=\"pix-img-el    shadow-lg shadow-hover-lg text-center d-inline-block  w-100 rounded-xl\"  ><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1705\" src=\"https:\/\/bpe.gov.ng\/staging\/wp-content\/uploads\/2025\/09\/pension-hero-image-scaled.jpg\" class=\"pix-img-elem rounded-xl\" alt=\"Image link\" srcset=\"https:\/\/bpe.gov.ng\/staging\/wp-content\/uploads\/2025\/09\/pension-hero-image-scaled.jpg 2560w, https:\/\/bpe.gov.ng\/staging\/wp-content\/uploads\/2025\/09\/pension-hero-image-300x200.jpg 300w, https:\/\/bpe.gov.ng\/staging\/wp-content\/uploads\/2025\/09\/pension-hero-image-1024x682.jpg 1024w, https:\/\/bpe.gov.ng\/staging\/wp-content\/uploads\/2025\/09\/pension-hero-image-768x512.jpg 768w, https:\/\/bpe.gov.ng\/staging\/wp-content\/uploads\/2025\/09\/pension-hero-image-1536x1023.jpg 1536w, https:\/\/bpe.gov.ng\/staging\/wp-content\/uploads\/2025\/09\/pension-hero-image-2048x1364.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/div><\/div><\/div><\/div>[\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; full_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; pix_over_visibility=&#8221;&#8221; bottom_divider_select=&#8221;24&#8243; b_2_color=&#8221;rgba(214,214,214,0.2)&#8221; b_3_color=&#8221;#81D74217&#8243; responsive_css=&#8221;{&#8220;pix_res_sm_pt&#8220;:&#8220;30&#8220;,&#8220;pix_res_sm_pb&#8220;:&#8220;30&#8220;,&#8220;pix_res_md_pt&#8220;:&#8220;60&#8220;,&#8220;pix_res_md_pb&#8220;:&#8220;60&#8220;}&#8221; css=&#8221;.vc_custom_1755881055695{padding-top: 80px !important;padding-bottom: 80px !important;background-color: #f8f9fa !important;}&#8221;][vc_row content_placement=&#8221;middle&#8221; pix_particles_check=&#8221;&#8221; css=&#8221;.vc_custom_1753756522320{padding-right: 100px !important;padding-left: 100px !important;}&#8221;][vc_column css=&#8221;.vc_custom_1592348346180{padding-top: 30px !important;padding-bottom: 30px !important;}&#8221;]<div  class=\"pix-heading-el text-center  vc_custom_1753756652543\"><h3 class=\"text-heading-default font-weight-bold h3 animate-in heading-text el-title_custom_color mb-12\" style=\"\" data-anim-type=\"fade-in-up\" data-anim-delay=\"200\">The Reform Process<\/h3><\/div><div class=\"pix-el-text w-100 text-center  vc_custom_1757329238816\" ><div class=\"d-inline-block\" style=\"max-width:650px;\"><p class=\"text-sm  text-black text-center \" ><span class=\"text-black animate-in d-inline-block\" data-anim-delay=\"600\" data-anim-type=\"fade-in-up\">To address these challenges, the Federal Government launched a comprehensive overhaul with the Pension Reform Act of 2004, later strengthened by the 2014 amendment.\r\nThe reform introduced the Contributory Pension Scheme (CPS) \u2014 a modern system where both employers and employees make regular contributions into Retirement Savings Accounts (RSAs). These funds are managed by Pension Fund Administrators (PFAs) and held by licensed custodians, ensuring safety and accountability.\r\nKey pillars of the reform include:<\/span><\/p><\/div><\/div><div class=\"pix-content-box card vc_custom_1757329372387 custom-3df6cf53aceaa39d968fa665ca44d25e   rounded-10 shadow-sm shadow-hover-sm fly-sm animate-in w-100\" data-anim-type=\"pix-3d-down-in\" data-anim-delay=\"0\"><div  style=\"z-index:30;position:relative;\"><div id=\"pix-feature-1753756495726-2a2dde0b-6c8f\" class=\"pix-feature-el  text-left  \"><h6 class=\"pix-feature-title  font-weight-bold   text-heading-default animate-in\" style=\"\" data-anim-type=\"fade-in-up\" data-anim-delay=\"700\"><\/h6><div class=\"pix-feature-content text-body-default text-sm     animate-in\" style=\"padding-top:5px;\" data-anim-type=\"fade-in-up\" data-anim-delay=\"800\">\r\n<ul>\r\n \t<li>Shared responsibility between employer and employee.<\/li>\r\n<\/ul>\r\n<\/div><\/div><\/div><\/div><div class=\"pix-content-box card vc_custom_1757329399348    rounded-10 shadow-sm shadow-hover-sm fly-sm animate-in w-100\" data-anim-type=\"pix-3d-down-in\" data-anim-delay=\"300\"><div  style=\"z-index:30;position:relative;\"><div id=\"pix-feature-1753756495780-6b7a0557-f661\" class=\"pix-feature-el  text-left  \"><h6 class=\"pix-feature-title  font-weight-bold   text-heading-default animate-in\" style=\"\" data-anim-type=\"fade-in-up\" data-anim-delay=\"700\"><\/h6><div class=\"pix-feature-content text-body-default text-sm     animate-in\" style=\"padding-top:5px;\" data-anim-type=\"fade-in-up\" data-anim-delay=\"800\">\r\n<ul>\r\n \t<li>Strict regulation by the National Pension Commission (PenCom).<\/li>\r\n<\/ul>\r\n<\/div><\/div><\/div><\/div><div class=\"pix-content-box card vc_custom_1757329450527    rounded-10 shadow-sm shadow-hover-sm fly-sm animate-in w-100\" data-anim-type=\"pix-3d-down-in\" data-anim-delay=\"600\"><div  style=\"z-index:30;position:relative;\"><div id=\"pix-feature-1753756495836-168779ba-a051\" class=\"pix-feature-el  text-left  \"><h6 class=\"pix-feature-title  font-weight-bold   text-heading-default animate-in\" style=\"\" data-anim-type=\"fade-in-up\" data-anim-delay=\"700\"><\/h6><div class=\"pix-feature-content text-body-default text-sm     animate-in\" style=\"padding-top:5px;\" data-anim-type=\"fade-in-up\" data-anim-delay=\"800\">\r\n<ul>\r\n \t<li>Transparency and accountability in fund management.<\/li>\r\n<\/ul>\r\n<\/div><\/div><\/div><\/div><div class=\"pix-content-box card vc_custom_1757329517139    rounded-10 shadow-sm shadow-hover-sm fly-sm animate-in w-100\" data-anim-type=\"pix-3d-down-in\" data-anim-delay=\"600\"><div  style=\"z-index:30;position:relative;\"><div id=\"pix-feature-1753756495907-75a33312-8b79\" class=\"pix-feature-el  text-left  \"><h6 class=\"pix-feature-title  font-weight-bold   text-heading-default animate-in\" style=\"\" data-anim-type=\"fade-in-up\" data-anim-delay=\"700\"><\/h6><div class=\"pix-feature-content text-body-default text-sm     animate-in\" style=\"padding-top:5px;\" data-anim-type=\"fade-in-up\" data-anim-delay=\"800\">\r\n<ul>\r\n \t<li>A sustainable system designed to eliminate pension arrears permanently.<\/li>\r\n<\/ul>\r\n<\/div><\/div><\/div><\/div><div class=\"pix-el-text w-100 text-center  vc_custom_1757329806648\" ><div class=\"d-inline-block\" style=\"max-width:650px;\"><p class=\"text-sm  text-black text-center \" ><span class=\"text-black animate-in d-inline-block\" data-anim-delay=\"600\" data-anim-type=\"fade-in-up\">The Bureau of Public Enterprises (BPE) played a crucial role by supporting the restructuring and ensuring alignment with Nigeria\u2019s broader economic reforms.<\/span><\/p><\/div><\/div>[\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; pix_over_visibility=&#8221;&#8221; css=&#8221;.vc_custom_1753760523577{padding-top: 80px !important;padding-bottom: 80px !important;background-color: #f8f9fa !important;}&#8221;][vc_row pix_particles_check=&#8221;&#8221; css=&#8221;.vc_custom_1591855310794{padding-bottom: 40px !important;}&#8221;][vc_column]<div id=\"el1753757695738-7b9c3cd0-b3d8\" class=\"mb-3 pix-sliding-text-element text-center \"><div class=\"d-inline-block\" style=\"max-width:650px;\"><h3 class=\"mb-32 pix-sliding-headline-2 animate-in font-weight-bold secondary-font \" data-anim-type=\"pix-sliding-text\" data-class=\"secondary-font text-gradient-primary\" style=\"\"><span class=\"slide-in-container \"><span class=\"pix-sliding-item secondary-font text-gradient-primary\" style=\"transition-delay: 0ms;\">Outcome&#32;<\/span><\/span> <span class=\"slide-in-container \"><span class=\"pix-sliding-item secondary-font text-gradient-primary\" style=\"transition-delay: 150ms;\">of&#32;<\/span><\/span> <span class=\"slide-in-container \"><span class=\"pix-sliding-item secondary-font text-gradient-primary\" style=\"transition-delay: 300ms;\">the&#32;<\/span><\/span> <span class=\"slide-in-container \"><span class=\"pix-sliding-item secondary-font text-gradient-primary\" style=\"transition-delay: 450ms;\">Reform&#32;<\/span><\/span> <\/h3><\/div><\/div>[\/vc_column][\/vc_row][vc_row pix_particles_check=&#8221;&#8221;][vc_column offset=&#8221;vc_col-md-offset-1 vc_col-md-10&#8243;]<div id=\"pix-el-1753757695932-285495f4-73aa\" class=\" \"><div class=\"pix_tabs_container pix-waiting\" data-icons-pos=\"\"><div class=\"nav  nav-pills pix_tabs_btns justify-content-center nav-fill pix-pills-solid mb-4 \" data-anim-type=\"\" role=\"tablist\" data-anim-delay=\"0\" id=\"v-pills-tab\"  aria-orientation=\"horizontal\"><div class=\"nav-item\"><a class=\"nav-link pix-tabs-btn text-24 pix-px-25 py-1 py-md-2 my-2 active font-weight-bold\" data-id=\"1591853368149-98305f73-d3a422b8-fc2c\" role=\"tab\" id=\"pix-tab-btn-1591853368149-98305f73-d3a422b8-fc2c\" data-toggle=\"pill\" href=\"#pix-tab-1591853368149-98305f73-d3a422b8-fc2c\"  aria-controls=\"pix-tab-1591853368149-98305f73-d3a422b8-fc2c\"><span class=\"d-inline-flex align-items-center\"><svg class=\"pixfort-icon mr-1 mr-md-2\" width=\"24\" height=\"24\"  data-name=\"Line\/pixfort-icon-bolt-1\" viewBox=\"2 2 20 20\"><polygon fill=\"none\" stroke=\"var(--pf-icon-color)\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"var(--pf-icon-stroke-width)\" points=\"13 3 6 14 11 14 11 21 18 10 13 10\"\/><\/svg>Pre Reform<\/span><\/a><\/div><div class=\"nav-item\"><a class=\"nav-link pix-tabs-btn text-24 pix-px-25 py-1 py-md-2 my-2  font-weight-bold\" data-id=\"1591853568594-1d95d644-151922b8-fc2c\" role=\"tab\" id=\"pix-tab-btn-1591853568594-1d95d644-151922b8-fc2c\" data-toggle=\"pill\" href=\"#pix-tab-1591853568594-1d95d644-151922b8-fc2c\"  aria-controls=\"pix-tab-1591853568594-1d95d644-151922b8-fc2c\"><span class=\"d-inline-flex align-items-center\"><svg class=\"pixfort-icon mr-1 mr-md-2\" width=\"24\" height=\"24\"  data-name=\"Line\/pixfort-icon-bolt-3\" viewBox=\"2 2 20 20\"><path fill=\"none\" stroke=\"var(--pf-icon-color)\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"var(--pf-icon-stroke-width)\" d=\"M16.7777778,5 L11.3333333,13.5555556 L15.2222222,13.5555556 L15.2222222,19 L20.6666667,10.4444444 L16.7777778,10.4444444 L16.7777778,5 Z M11,7 L5,7 M8,12 L3,12 M11,17 L5,17\"\/><\/svg>Post Reform<\/span><\/a><\/div><\/div><div class=\"pix_tabs_content \" data-anim-type=\"\" data-anim-delay=\"0\"><div class=\"tab-content \"><div class=\"tab-pane active fade-up show  \" role=\"tabpanel\" id=\"pix-tab-1591853368149-98305f73-d3a422b8-fc2c\" data-bold=\"font-weight-bold\" data-italic=\"\" data-secondary=\"\" data-id=\"1591853368149-98305f73-d3a422b8-fc2c\" data-icon=\"Line\/pixfort-icon-bolt-1\" data-title=\"Pre Reform\" aria-labelledby=\"pix-tab-1591853368149-98305f73-d3a422b8-fc2c\">[vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1753759545971{padding-top: 5px !important;padding-bottom: 50px !important;}&#8221;][vc_column_inner]<div class=\"pix-el-text w-100  \" ><p class=\"text-sm m-0 text-body-default  \" ><span class=\"text-body-default animate-in d-inline-block\" data-anim-delay=\"1000\" data-anim-type=\"fade-in-up\">\r\n<ul>\r\n \t<li style=\"list-style-type: none;\">\r\n<ul>\r\n \t<li>Unfunded and unsustainable pension obligations.<\/li>\r\n \t<li>Huge arrears owed to retirees, causing delays and hardship.<\/li>\r\n \t<li>Weak regulatory oversight and fragmented systems.<\/li>\r\n \t<li>Financial insecurity for pensioners.<\/li>\r\n \t<li>Huge Pension Liabilities from the Defined Benefit Scheme (DBS) estimated at N2 trillion before PFA in 2004<\/li>\r\n \t<li>Inadequate Coverage<\/li>\r\n \t<li>Fragmented supervision<\/li>\r\n \t<li>Lack of transparency<\/li>\r\n \t<li>Limited private sector participation and weak competition.<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<\/span><\/p><\/div><div class=\"pixfort-swiper position-relative    vc_custom_1757336788984\"><div class=\"position-relative\"><div class=\"swiper  pix-style-standard pix-circular-left pix-overflow-all-visible\" data-swiper='{\"loop\":false,\"is_thumbnails\":false,\"has_thumbnails\":false,\"slidesPerView\":1,\"slidesPerGroup\":1,\"autoHeight\":true,\"centeredSlides\":false,\"duplicatedItems\":false,\"itemsCount\":4,\"autoplay\":false,\"pagination\":{\"enabled\":true,\"clickable\":true,\"dynamicBullets\":false},\"navigation\":{\"enabled\":true},\"freeMode\":false,\"edgeTransitionParams\":{\"transitionZone\":1,\"slider_style\":\"pix-style-standard\",\"slider_effect\":\"pix-circular-left\",\"slider_inactive_scale\":false,\"dragScale\":false},\"breakpoints\":{\"767\":{\"slidesPerView\":2},\"1024\":{\"slidesPerView\":2}}}'  data-slides-desktop=\"2\" data-slides-tablet=\"2\" data-slides-mobile=\"1\" ><div class=\"swiper-wrapper\"><div 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data-bold=\"font-weight-bold\" data-italic=\"\" data-secondary=\"\" data-id=\"1591853568594-1d95d644-151922b8-fc2c\" data-icon=\"Line\/pixfort-icon-bolt-3\" data-title=\"Post Reform\" aria-labelledby=\"pix-tab-1591853568594-1d95d644-151922b8-fc2c\">[vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1591853317048{padding-top: 30px !important;padding-bottom: 80px !important;}&#8221;][vc_column_inner]<div class=\"pix-el-text w-100  \" ><p class=\"text-sm m-0 text-body-default  \" ><span class=\"text-body-default animate-in d-inline-block\" data-anim-delay=\"1000\" data-anim-type=\"fade-in-up\">\r\n<ul>\r\n \t<li style=\"list-style-type: none;\">\r\n<ul>\r\n \t<li style=\"list-style-type: none;\">\r\n<ul>\r\n \t<li>Introduction of a fully funded contributory scheme guaranteeing retirement savings.<\/li>\r\n \t<li>Establishment of the National Pension Commission (PenCom) for strict regulation and oversight.<\/li>\r\n \t<li>Greater transparency and accountability through licensed PFAs and custodians.<\/li>\r\n \t<li>Sustainable pension financing with reduced burden on government budgets.<\/li>\r\n \t<li>Improved confidence in the pension system, restoring dignity to retirees.<\/li>\r\n \t<li>Establishment of Supervisory and Regulatory Framework<\/li>\r\n \t<li>Licensing of Operators\r\n<ul>\r\n \t<li>23 PFAs<\/li>\r\n \t<li>4 PFCs<\/li>\r\n \t<li>6 CPFAs<\/li>\r\n \t<li>Registration of Contributors &#8211; Registered a total of <strong>10.79 million RSAs<\/strong> as at the end of <time datetime=\"2025-06\">June 2025<\/time>.<\/li>\r\n<\/ul>\r\n<\/li>\r\n \t<li><b>Accumulation of Pension Funds<\/b><\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\nAssets Under Management (AuM): <strong>\u2248 N24.63 Trillion<\/strong> as at the end of <time datetime=\"2025-06\">June 2025<\/time>.\r\n\r\n<\/span><\/p><\/div><div class=\"pixfort-swiper position-relative    vc_custom_1757336695232\"><div class=\"position-relative\"><div class=\"swiper  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https:\/\/bpe.gov.ng\/staging\/wp-content\/uploads\/2025\/09\/aiico-insurance-768x432.jpg 768w, https:\/\/bpe.gov.ng\/staging\/wp-content\/uploads\/2025\/09\/aiico-insurance.jpg 986w\" sizes=\"auto, (max-width: 986px) 100vw, 986px\" src=\"https:\/\/bpe.gov.ng\/staging\/wp-content\/uploads\/2025\/09\/aiico-insurance.jpg\" alt=\"\" style=\"\"\/><\/div><\/div><\/div><div class=\"swiper-slide\" data-pixfort-slide-index=\"2\"><div class=\"pixfort-slide-inner pix-p-20 pix-p-20\"><div class=\"fly text-left w-100 d-inline-block rounded-10\"  ><img loading=\"lazy\" decoding=\"async\" class=\"card-img rounded-10 h-100\" width=\"986\" height=\"555\" srcset=\"https:\/\/bpe.gov.ng\/staging\/wp-content\/uploads\/2025\/09\/NEM-insurance-logo-300x169.jpg 300w, https:\/\/bpe.gov.ng\/staging\/wp-content\/uploads\/2025\/09\/NEM-insurance-logo-768x432.jpg 768w, https:\/\/bpe.gov.ng\/staging\/wp-content\/uploads\/2025\/09\/NEM-insurance-logo.jpg 986w\" sizes=\"auto, (max-width: 986px) 100vw, 986px\" 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49.4903059,14.9398048 47.6613311,16.719047 L16.7563465,46.7836776 C14.9273717,48.5629198 14.9273717,51.4370802 16.7563465,53.2163224 L47.6613311,83.280953 C49.4903059,85.0601952 52.4448037,85.0601952 54.2737785,83.280953 C56.1027533,81.5017108 56.1027533,78.6275504 54.2737785,76.8483082 L31.388145,54.5849702 L83.7718595,54.5849702 C86.3511829,54.5849702 88.4615385,52.5319985 88.4615385,50.0228108 C88.4615385,47.5136231 86.3511829,45.4606514 83.7718595,45.4606514 Z\" class=\"arrow\" transform=\"translate(100, 100) rotate(180) \"><\/path><\/svg><\/div><\/div><div class=\"pixfort-slider-pagination-container\"><div class=\"pixfort-slider-pagination\"><\/div><\/div><\/div>[\/vc_column_inner][\/vc_row_inner]<\/div><\/div><\/div><\/div><\/div>[\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; pix_bg_grdient=&#8221;bg-gradient-primary&#8221; fade_in_opacity=&#8221;pix-opacity-1&#8243; pix_over_visibility=&#8221;&#8221; pix_overlay_color=&#8221;gradient-primary&#8221; css=&#8221;.vc_custom_1757335851437{padding-top: 80px !important;padding-bottom: 150px !important;}&#8221; pix_overlay_opacity=&#8221;0.85&#8243; fade_in_intro=&#8221;16183&#8243;][vc_row full_width=&#8221;stretch_row&#8221; pix_particles_check=&#8221;&#8221;][vc_column content_align=&#8221;text-center&#8221;]<div  class=\"pix-heading-el text-center  vc_custom_1754901722946\"><h3 class=\"text-white font-weight-bold h3 animate-in heading-text el-title_custom_color mb-12\" style=\"\" data-anim-type=\"fade-in-up\" data-anim-delay=\"200\">Conclusion<\/h3><\/div><div class=\"pix-el-text w-100   vc_custom_1757329856087\" ><p class=\"text-sm  text-white  \" ><span class=\"text-white animate-in d-inline-block\" data-anim-delay=\"400\" data-anim-type=\"fade-in-up\">The pension reform in Nigeria stands as one of the country\u2019s most impactful socio-economic reforms, safeguarding the future of millions of workers and strengthening the nation\u2019s financial system. By ensuring sustainability, transparency, and dignity for retirees, the reform has transformed the sector from a source of hardship into a reliable pillar of social security. The Bureau of Public Enterprises continues to champion reforms that secure economic stability and enhance the welfare of Nigerians.<\/span><\/p><\/div>[\/vc_column][\/vc_row][\/vc_section]<\/div>","protected":false},"excerpt":{"rendered":"[vc_row full_width=&#8221;stretch_row&#8221; full_height=&#8221;yes&#8221; pix_bg_grdient=&#8221;bg-gradient-primary&#8221; fade_in_opacity=&#8221;pix-opacity-1&#8243; b_divider_in_front=&#8221;true&#8221; pix_particles_check=&#8221;&#8221; pix_overlay_color=&#8221;gradient-primary&#8221; css=&#8221;.vc_custom_1757334027461{padding-top: 40px !important;padding-bottom: 40px !important;}&#8221; pix_overlay_opacity=&#8221;0.85&#8243; fade_in_intro=&#8221;16179&#8243;][vc_column parallax=&#8221;content-moving-fade&#8221; parallax_speed_bg=&#8221;40&#8243; width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1577165868853{padding-top: 100px !important;padding-bottom: 100px !important;}&#8221;][\/vc_column][vc_column width=&#8221;1\/3&#8243;][\/vc_column][\/vc_row][vc_section full_width=&#8221;stretch_row&#8221; 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