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.
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
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: