Personal retirement · Enwealth Mauritius Personal Retirement Plan
One plan, in full
No employer involved — you open the account, you decide what goes in, and it stays yours if you change jobs or work for yourself. Same scheme and same custodian across the range; what changes is the minimum, the fee, the fund, and how long the money sits before you can reach it.
| Term | Mauritius Personal SaverFrom Rs 1,000 a month, in rupees, under FSC rules. |
|---|---|
| Minimum a monthWhat you commit to paying in | MUR 1,000 |
| Annual feeCharged on the balance, not on the contribution | 1.25% |
| Where it is investedThe fund your contributions default to | Mauritius Money Market |
| How much it movesWhat that fund returned recently — not a forecast | 4.6%Barely moves |
| Open toYour age at the point you join | 18–60Closes 5 years before the scheme retirement age |
| Pay inHow often contributions may be made | Monthly, quarterlymost flexible |
| Reachable fromEarliest access, and how long it must be held first | Age 55after 12 months |
| Who it is for | A personal retirement plan for a Mauritius resident — a professional, a business owner, or anyone saving without an employer. Contributions are held in the Mauritius Money Market Fund. This plan sits alongside your statutory NPF/NSF and any PRGF obligations; it does not replace them. |
| Open Personal Saver |
Scroll the table sideways to compare. The term column stays in place.
A green tick marks the lowest cost, the widest choice or the shortest lock-in in that row — it does not mark the best plan for you. “How much it moves” is what each fund returned recently and is not a promise about next year. Every figure here is read from the product catalogue at the moment you load the page. You will need your national ID and a phone that can receive a code to open any of them.
Work out what it could come to
Both of these are illustrations. They show what the arithmetic gives for the numbers you put in — nothing here is a quotation, a guarantee, or advice about what you personally should do.
What might this be worth at retirement?
An illustration, not a quotation. It assumes you keep paying in and that returns average out — neither of which is guaranteed.
Mauritius Money Market Fund returned 4.6% over the last year. Past returns are not a forecast.
In today’s money that is about KES 178,931 — what the pot would buy if prices rise 5% a year. The larger figure is what the statement will say; this is what it will be worth.
Money market: what would it earn?
For money you want to keep steady. Yields move — the rate below is what the fund returned recently, not a promise about next year.
Money Market Fund returned 4.6% over the last year.
Deducted from interest before it reaches you. Confirm the rate that applies to you.
A money market fund is not a deposit account and is not guaranteed. It aims to hold its value and pay interest, and in unusual conditions it can do neither.
Things worth knowing before you start
- This is not a savings account. Money in a provident fund is for retirement, and the access rules above are the rules — not guidelines.
- Investments can fall. The higher-returning funds move more, in both directions. The plan you pick sets where your money starts, and you can move it later.
- You can change what you pay in. The minimum is a floor, not a commitment for life.