Our Pension Funds
Five flexible products to match your life stage, income, and goals.
Whether you work in the private sector, run your own business, or are simply thinking about your children's future — DATCO has a pension fund for you. All products are managed locally in Bukavu, with full transparency and personal service.
Individual Retirement Plan
Plan de Retraite Individuel
Your personal retirement savings account
The Individual Retirement Plan is designed for any person who wants to take control of their retirement future. Whether you are self-employed, work in the informal sector, or simply want to save more than your employer provides, this plan lets you build your own pension at your own pace.
- ✓Flexible monthly contributions — start from any amount
- ✓Your savings grow through professional fund management
- ✓Tax-advantaged savings recognized under DRC law
- ✓Portable — your pension follows you wherever you work
- ✓Access your pension from age 55
Corporate Group Pension
Retraite Collective d'Entreprise
Reward your staff, retain your talent
The Corporate Group Pension allows businesses to offer a structured pension plan to all their employees. It's an investment in your team's loyalty and wellbeing — and a powerful tool for attracting skilled workers in a competitive market.
- ✓Employer and employee contributions combined
- ✓Customisable contribution rates per grade or seniority
- ✓Full reporting dashboard for HR departments
- ✓Helps businesses comply with DRC labour obligations
- ✓Builds employee loyalty and reduces staff turnover
CNSS Supplementary Pension
Retraite Complémentaire CNSS
More than the state minimum
The mandatory CNSS state pension provides a basic level of retirement income — but for most Congolese workers, it is not enough to maintain their standard of living. The CNSS Supplementary Pension tops up your state pension with additional private savings managed by DATCO.
- ✓Bridges the gap between CNSS payments and your real needs
- ✓Works alongside your existing CNSS contributions
- ✓No disruption to your current employment arrangement
- ✓Managed separately from the state — your money is yours
- ✓Flexible top-up amounts based on your salary
Education Savings Fund
Fonds d'Épargne Éducation
Invest in your child's future today
Education is the greatest gift you can give your children. The DATCO Education Savings Fund helps parents build a dedicated savings pot for school fees, university costs, and vocational training — so that no matter what happens, your children's future is secure.
- ✓Set aside funds dedicated to education expenses
- ✓Contributions grow over time through managed investment
- ✓Flexible terms — choose your target date
- ✓Partial withdrawals allowed for school fee payments
- ✓Peace of mind that your children's education is guaranteed
Life Annuity
Rente Viagère
A fixed income for the rest of your life
The Life Annuity is ideal for those who have already reached retirement age or are approaching it and want the security of a guaranteed monthly payment. Convert your savings or a lump sum into a predictable monthly income that lasts your entire lifetime.
- ✓Guaranteed monthly payment for life — no matter how long you live
- ✓Convert existing savings or a lump sum into regular income
- ✓Option to include a spouse/beneficiary in the annuity
- ✓Protected against market fluctuations
- ✓Peace of mind for you and your family
Not Sure Which Fund Is Right for You?
Our advisors in Bukavu will help you find the best option — free of charge.
Speak to an Advisor →