How Does it Work?

During your membership of CERS, contributions paid by your employer are added to contributions paid by you (if any) and the total is invested in your selected investment fund(s) (click here for more information) until your retirement. Upon reaching retirement age, your retirement savings account will be used to provide you with a range of pension options.

One option will be to take a portion of your fund as a tax free lump sum and use the balance to buy an annuity.

Frequently Asked Questions

For a list of our most commonly asked questions, visit our FAQs

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