Employers today face increasing pressure to offer competitive, efficient, and value-driven employee benefits. One of the most strategic ways to achieve this is by joining the Cytonn Umbrella Retirement Benefits Scheme (CURBS), a modern pension solution designed to optimize retirement outcomes while reducing administrative burden.
CURBS has demonstrated strong and consistent performance, declaring returns of 19.3% in 2025, up from 18.8% in 2024. This upward trajectory signals disciplined investment management and an ability to capitalize on market opportunities, offering employers confidence that their employees’ retirement savings are being effectively grown.
A key differentiator for CURBS is its approval to receive and manage NSSF Tier II contributions, giving employers a compelling reason to contract out. By doing so, employers enable their employees to diversify retirement savings away from a single scheme, unlocking higher potential retirement cash value through improved long-term returns. This diversification reduces concentration risk while enhancing wealth accumulation.
CURBS is managed by a licensed fund manager supported by a dedicated investment team. This ensures professional and active fund management, with continuous oversight on asset allocation, risk management, and performance optimization. Unlike passive schemes, CURBS actively responds to market dynamics, aligning investments with prevailing opportunities.
Beyond returns, CURBS offers additional retirement solutions that enhance employee financial security. Members benefit from a free life cover, the option to contribute to a post-retirement medical fund, and the flexibility to use up to 60.0% of their savings as collateral for a mortgage. These features transform retirement savings into a more holistic financial planning tool.
Employers and employees also gain from greater investment flexibility. CURBS provides access to a broader range of investment opportunities than traditional schemes, including the ability to negotiate competitive rates on fixed deposits, bonds, and equities. This flexibility translates into improved portfolio performance and better value for members.
Importantly, CURBS enhances the overall employee experience through education and engagement. Members receive investment insights, structured financial education sessions, and regular updates, improving financial literacy and retirement preparedness.
From an operational standpoint, CURBS delivers efficiency and cost savings. It handles onboarding, remittances, compliance, and reporting, eliminating the need for employers to establish and manage standalone pension schemes. This reduces administrative costs and allows businesses to focus on core operations. In a competitive talent environment, CURBS offers employers a powerful combination of strong returns, flexibility, and efficiency, making it a smart choice for forward-thinking organizations.
