The pension fund platform
Pension funds, run with care.
Pensus is the platform occupational pension and provident funds run on. Contributions, investments, loans, leavers and statements live in one place, the fund is checked every night, and members get a portal they actually open.
- Single and multi-employer funds
- English and Greek
- Portals for members and employers
- automated checks run on the fund every night
- 10
- statements every member can download as PDF
- 4
- pairs of eyes on every movement of money
- 2
- ways in, for the fund office, employers and members
- 3
Why Pensus
Less chasing. Fewer phone calls. A month-end that closes.
Most funds are run on a ledger, a folder of spreadsheets and a lot of email. Pensus replaces the spreadsheets and most of the email.
- 01
Automate the routine
Payroll files are validated before they post, distributions are calculated per plan, and every night the fund is scanned for missing contributions, unpaid loans and stale valuations.
- 02
Control what matters
Contributions, loans, plan switches and profile changes wait for a second person to approve them. Every decision is recorded with who made it and when.
- 03
Show members where they stand
Members see their pot, their plan, their loan and what they are likely to retire on, in English or Greek, without calling the fund to ask.
Who it is for
One platform, three ways in
The fund office, each participating employer and every member sign in to the same platform and see only what is theirs.
Fund office and trustees
Run contributions, loans, leavers, distributions and statements from one place, with approvals and nightly checks.
See howEmployers
Upload the monthly payroll file, check it before it posts, and see your people's contributions and loans.
See howMembers
See the pot, the plan, the loan and the likely retirement income, and act on it, in English or Greek.
See howAction Centre
The month-end close that ticks itself.
Every night Pensus checks the fund the way a careful administrator would: a missing contribution month, a member left out of a run, a loan in arrears, a leaver not yet paid, a plan without a current valuation. Each finding gets a severity and an owner, and the month-end checklist on the dashboard ticks itself as the work gets done.
- Ten checks across contributions, loans, membership and valuation
- Critical, high, medium and low, with a trend and a forecast
- Acknowledge, resolve or dismiss, with the history kept
- Thresholds tuned to your fund's rules
For members
The questions members phone about, answered on screen.
What is my pot worth? What will I retire on? Which plan am I in, and is it right for my age? How much do I still owe on my loan? Members see the answers on their own dashboard, download their statements, and request a loan or a plan switch without filling in a form.
The whole membership
From the first contribution to the last payment
Pensus follows each member through every event the fund has to handle, so nothing lives in a side spreadsheet.
Join
Invited by email, onboarded online, approved by the fund.
Contribute
Member and employer shares arrive with the payroll file.
Invest
Units bought in the member's plan at the posted price.
Switch
A plan change, requested by the member, approved by the fund.
Borrow
A loan against the pot, repaid through payroll.
Leave
Vesting applied, waiting period enforced, paid in full or in parts.
Retire
The benefit statement and the final settlement.
Try it
What could a pension pot pay each month?
The same projection members see in the portal: in today's money, in a good year and a bad one, set against two-thirds of salary.
In production
7Q Retirement Partners is a defined-contribution, multi-employer retirement fund in Cyprus. It runs on Pensus, from the payroll file to the member portal.
“We are thankful to iHub for providing their stellar solution, Prosperus [now Pensus], that makes it possible for us to provide value added services to the members of 7Q Retirement Partners.”
Trust
Built for people who will be asked questions
Two-factor sign-in
Authenticator-app two-factor authentication and password rules set per role.
Maker and checker
Money does not move on one person's say-so. Approvals are recorded and attributed.
Every action on record
Who created, approved and posted each transaction, and every change to a member's record, stays on file.
Statements members are owed
Account, annual contribution, pension benefit and loan statements, on demand.
See Pensus on a fund like yours.
Tell us how your fund is set up. We will walk you through the month your team actually runs, from the payroll file to the statements.
Or write to us at [email protected]