The CBZ SME Pension Fund is designed for Small to Medium scale Enterprises to be able to offer pension scheme benefits to their employees under an affordable benefits structure.


  • Employees contribute a fixed percentage starting from 3%
  • Employer contributes for Group Life Assurance at 1.8% and Administration fees at 1%
  • Pays out a lump sum death benefit of at least 2 times an employee’s annual salary
  • No medical tests up to a certain limit


  • Has a retirement benefit, withdrawal benefit and retrenchment benefit

What you need to apply

  • Fully completed SME Pension Fund Application Form