Stanbic IBTC Pension Delivers Up To 19.48% Returns, Turning ₦1m Into Nearly ₦1.2m Across Funds
Stanbic IBTC Pension has delivered solid returns, generating double-digit gains across virtually every fund of its Retirement Savings Account (RSA) funds (Fund I, Fund II, Fund III, Fund IV and Fund V), with some portfolios approaching the 20 per cent mark.
This was revealed in the latest available performance data from Stanbic IBTC Pension Managers Limited, which shows that its Retirement Savings Account (RSA) funds are not only posting high percentages but also translating those figures into meaningful value growth for investors.
The data shows that RSA Fund V led the pack with a return of 19.48 per cent, meaning that an investment of ₦1 million would have generated close to ₦194,800 in gains over the period, while Fund I followed closely with 18.20 per cent, translating to about ₦182,000 in earnings on the same amount. Fund VI for retirees also delivered a strong 16.66 per cent, effectively adding around ₦166,600 to every ₦1 million invested, reinforcing its ability to combine income stability with notable growth.
Across the mid-tier portfolios, Fund II returned 14.53 per cent, equivalent to about ₦145,300 in gains per ₦1 million, while Fund IV posted 13.81 per cent, adding roughly ₦138,100, and Fund III delivered 12.82 per cent, which still represents a solid ₦128,200 increase on a similar investment base. Even at the lower end, the numbers reflect consistent double-digit expansion, showing that contributors are earning well above inflationary pressures across different risk categories.
Beyond the raw percentages, the data also highlights how efficiently these returns are being generated, as measured by risk-adjusted performance indicators, with Fund V posting a Sharpe ratio of 7.54 and Fund I at 5.65, indicating that higher returns are being achieved with relatively controlled exposure to volatility, while Fund II and Fund VI also maintained positive ratios of 2.46 and 4.17, respectively.
However, the figures also reveal that not all returns are created equally, as Fund III and Fund IV recorded negative Sharpe ratios of -1.87 and -8.42, suggesting that although both funds still produced over 12 per cent in returns, the level of risk taken to generate those earnings was comparatively higher, leaving room for improved efficiency in more conservative portfolios.
Overall, the numbers present a clear picture of a pension manager delivering not just strong percentages, but real monetary growth, where contributors investing ₦1 million across different funds could see gains ranging from about ₦128,000 to nearly ₦195,000, reinforcing Stanbic IBTC Pension’s position as one of the stronger performers in Nigeria’s pension industry.