• Social Security & Housing Finance Corporation
  • 61 Ecowas Ave, Banjul
  • (+220) 422-2271


Making the most of your money!

Do you want to find out more about how we manage your funds?

The monthly contributions you make into any of the schemes are held by us in 4 different funds. The Federated Pension Fund, the National Provident Fund, the Industrial Injuries Compensation Fund and the Housing Finance Fund. Each fund is managed by our Investment Unit who make investment decisions on your behalf as scheme members, in order to maximize returns for you.

Investment Overview

SSHFC is the largest institutional investor in the country with a diversified investment portfolio across various sectors of The Gambian economy. In order to ensure optimum risk-adjust returns and sustainable income for our contributors, SSHFC has strategies in place to ensure funds are prudently invested. We diligently analyze and appraise potential investment opportunities within the various sectors of the economy and the potential to invest abroad is currently being assessed. These initiatives have successfully attained a further growth of shareholders capital over the years.

The illustration below gives a summary of our investment portfolios

We continue to receive a substantial return on investment within the Gambia's money market- specifically…
We have the country’s largest market share of the real estate business and thrive in providing affordable…
We have ensured investment diversification by way of equity investment in reputable companies and institutions.
We offer corporate loans to companies and parastatal to stimulate growth and productivity in various…

How safe are my investments?

Our Investment Department has immense competence and knowledge in managing and providing oversight in ensuring that revenue optimization, capital protection and payout maximization to our pensioners and contributors. These are achieved by adhering to best practice which includes:

  • Regular review of Investment policy;
  • Risk assessment for every potential investment;
  • Compliance Monitoring;
  • Ensuring that each and every investment is in the best interest of our stakeholders.


Ocean Bay Hotel

Sun Beach Hotel

Trust Bank Gambia, Ltd.

Standard Chartered Bank

Gambia Transport Service Company