Our Investments

The aim of the Fund’s Investment Strategy is to identify and select investment opportunities that will maximise returns while growing members’ funds to provide for their adequate retirement.  Presently, it manages the following main areas of our diversified investment portfolio:

  1. Lending
  2. Property Development
  3. Equity, Bonds & Term Deposits
  4. Offshore Investments

The majority of our portfolio is invested in Samoa thus contributing to economic development in the country. As part of our local investments, we operate as a non bank financial institutional offering the following lending products at competitive terms and conditions:

  • 1. Small Loans (Members Only)
  • Members can borrow up to 50% of their contribution balance without any security as this loan is secured against their contributions.
  • 2.Short Term Loans (Members Only)
  • This new line of credit allows members to borrow up to 10% of their total contribution but to a maximum amount of $10,000 based on their contribution balance and ability to service the loan. Members with contribution balances exceeding $100,000 can apply up to a maximum of $15,000 only.
  • 3. Education Loans (Members Only)
  • Members can apply to borrow a sum of $1,000 up to a maximum of $10,000 for education purposes such as payment of school fees for members including their children, text book materials and other educational materials. All cheques payable direct to Schools or suppliers.
  • 4. Professional/Career Development Loan Scheme (Members Only)
  • Members can apply to borrow a sum of $1,000 up to $30,000 to fund postgraduate courses for members and other educational costs (e.g. text books, laptops) related to the take up of such postgraduate studies.
  • 5. Vehicle Loans (Members Only)
  • Members can apply to borrow a minimum of $15,000 to a maximum of $50,000 to facilitate the purchase of a vehicle for personal use only. Loans to acquire vehicles for commercial use are not permitted under this loan scheme.
  • 6. Land Loans (Members Only)
  • Members can apply for a loan (any sum) at a minimum of $30,000 for the purpose of funding the purchase of land.
  • 7. Housing Loans (Members Only)
  • Members can borrow a sum at a minimum of $50,000 for the purpose of constructing a house or funding the purchase of a house for family use. The scheme can also allow for exceptional circumstances requiring the refinance of home loans from other financial institutions. Terms and conditions apply.
  • 8. Commercial Loans (Existing Employers Only)
  • Businesses in the private sector may apply for a loan at a minimum amount of $50,000 but up to 60% of the total project cost. Terms and conditions apply.
  • 9. Community Loans
  • This scheme is tailored to funding of Community Projects but is subject to security and funding requirements. Terms and conditions apply.