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Your Future, Secured

MUSIGA Pension
Scheme

Ghana's first dedicated pension scheme for music professionals, in partnership with MTN Ghana. Build a financial safety net for life after performing.

Why It Matters

Musicians Need Pension Too

Most Ghanaian musicians are self-employed and are not automatically enrolled in a pension scheme. Unlike teachers or civil servants, you don't have an employer deducting SSNIT contributions. Without action, there is no retirement income.

MUSIGA has partnered with MTN Ghana MoMo to create a simple, mobile-first pension scheme that fits the irregular income patterns of working musicians. You contribute what you can, when you can.

The scheme is backed by a licensed Ghanaian pension trustee and complies with the National Pensions Act, 2008 (Act 766).

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Mobile-first

Contribute via MTN MoMo from anywhere in Ghana

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Flexible

No fixed monthly minimum — contribute when your income allows

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Interest-bearing

Contributions grow at a guaranteed minimum annual rate

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Protected

Held in a licensed trust — cannot be seized for personal debts

Contribution Options

Contribution Tiers

Choose the tier that suits your income level. You can upgrade or downgrade your tier at any time without penalty.

Starter

GH₵50 – 150 / mo
Annual contribution GH₵600 – 1,800
Est. payout Est. GH₵25,000 – 80,000
at 20 years, assumes 8% annual growth
Most Popular

Standard

GH₵200 – 500 / mo
Annual contribution GH₵2,400 – 6,000
Est. payout Est. GH₵90,000 – 250,000
at 20 years, assumes 8% annual growth

Senior

GH₵600 – 2,000 / mo
Annual contribution GH₵7,200 – 24,000
Est. payout Est. GH₵300,000+
at 20 years, assumes 8% annual growth

Payout estimates are illustrative only. Actual returns depend on contribution regularity and fund performance. Scheme regulated under Act 766.

Getting Started

How to Enrol

1

Become a MUSIGA Member

The pension scheme is exclusively available to registered MUSIGA members. If you haven't yet joined, enrolment takes less than 10 minutes at musiga.org/join.

2

Dial *170# or visit My MUSIGA Portal

Log in to My MUSIGA and navigate to "Pension & Insurance", or dial MTN's USSD code *170# and select MUSIGA Pension from the financial services menu.

3

Choose Your Tier

Select Starter, Standard or Senior based on your current income. You can change this at any time from the portal or USSD menu.

4

Set Up Your Contribution

Link your MTN Mobile Money wallet. Set a monthly auto-debit or contribute manually whenever income arrives. No minimum frequency required.

5

Receive Confirmation

You'll receive an SMS confirmation of each contribution and a quarterly pension statement via email and the My MUSIGA portal.

6

Review & Grow

As your income grows, increase your tier. At age 60 (or earlier in cases of certified disability), you can access your pension fund.

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Members Only

Enrol in the MUSIGA MTN Pension Scheme, view your contribution history and pension projections, and manage your tier — all from the My MUSIGA member dashboard.

Join MUSIGA Today

Already a member? Sign in to My MUSIGA