Yes, up to 60% for a mortgage.

No, borrowing against contributions is not allowed except for mortgage security.

No, AVCs are only through payroll.

There is no upper limit on AVCs.

Annuity is a lifetime fixed payment. Drawdown is flexible up to 12% p.a. over a 10-year renewable contract.

Annuity payments continue for your entire lifetime regardless of the guarantee period.

Obtain form, complete and attach documents, submit to Trustees, compute benefits, and payment instructions sent.

Your personal data is handled securely in compliance with the Act.

The Sponsor with approval of Trustees and RBA.

By making AVCs and attending member education sessions.

It is the percentage of your pre-retirement income you need in retirement (usually 70-80%).

Yes, you will receive a benefit statement if deferred.

Yes, from the Trust Secretary or online portal.

You can file a complaint with the Trustees or escalate to RBA.

Only for a mortgage, up to 60% of accrued benefits.

Ensure your contact details and next of kin are up to date.

NSSF is the national statutory scheme, while MUT-SPS is an occupational scheme providing higher benefits.

Participation, access to information, benefit transfers, immediate vesting, and choosing payment options.

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