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Only if your fund balance falls below an accumulated credit of P10, 000, or in the case of pensioners, if the annual pension salary falls below P5000. Beyond that you cannot cash out your entire credit.

No. The DPF is exclusively for employees of the Debswana Group of companies. Your fund credit will however remain invested with the DPF and continue to earn interest until you decide to retire. You may in the meantime contribute to your new employer’s pension fund. When you do decide to retire, you can merge the two funds and start earning your pension salary from your preferred pension fund.

It is disbursed to your beneficiaries as it is at the time of your death. Funds are distributed according to your beneficiary nominations. Please ensure that you renew your nominations annually to keep your records up to date. This will reduce the need for investigations at the time of your death.

On retrenchment the 33.33% cash benefit for members below retirement age will be taxed, while those who have reached retirement age can opt for retirement and therefore their 33.33% will be tax free. The Fund has a toll free line. A member has to call from a landline and the Fund bears the cost of the call. If a member calls from a cell phone then he/she will bear the cost. The number for the Toll Free Line is: 0800 600 681 The purpose of the Fund is to provide members with pension when they retire. If a member dies the Fund then pays his/her death benefits to his dependants and beneficiaries. Unfortunately the Fund does not assist in meeting funeral.

You are allowed to nominate your children as you are obliged by the law to maintain them even if you are not married or related to their mother.

According to the rules of the Fund if it has been proved that a deceased member’s next of kin cannot be successfully traced his death benefits will be paid into his estate after a period of 12 months.

No. The DPF is exclusively for employees of the Debswana Group of companies. You fund credit however will be remain with us and continue to earn interest until you decide to retire. You will then have to join your new employer’s pension fund. When you do decide to retire, you can merge the two funds and start earning your pension.