Gift-a-Pension®

A Simple Way to Secure the Future of Domestic Workers

Over 200 million domestic workers across Asia, Africa, and Latin America have no access to formal pension systems — leaving them deeply vulnerable to old-age poverty. Traditional models can't reach this invisible, fragmented workforce at scale or at low cost.

Gift-a-Pension® is our field-tested platform and campaign that empowers households to help their domestic workers start saving for a dignified retirement. Already live in India and Kenya, this model is ready to be deployed globally.

What Makes Gift-a-Pension® Unique

Six key features that make our platform the most effective way to reach domestic workers at scale

Direct, Agent-Free Delivery

Reaches millions of domestic workers instantly through their employers — without relying on intermediaries or costly agent networks.

Trusted Financial Education

Employers serve as informed advocates — sharing clear, unbiased pension information without incentives to mis-sell.

Simple Digital Onboarding

Activate a secure, portable micro-pension account for your home help in minutes—using just WhatsApp.

Employer Co-Contributions

Boost the savings of your home help with flexible co-contributions. You can pause or adjust your support anytime, while encouraging your domestic worker to build their own future.

Fully Portable, Zero Penalties

Accounts stay with each domestic worker — even if they change jobs or move cities. No penalties for missed payments.

Safe, High-Quality Financial Products

All savings are managed by highly trusted, regulated pension providers—delivering strong long-term returns with full transparency.

Want to launch Gift-a-Pension® in Your Country?

Contact us to partner on expanding our inclusive model and help millions of domestic workers access dignified retirement savings.

Find Out How
© 2025 , Universal Pensions. Building secure and dignified futures for all informal workers worldwide.