The Rwanda Social Security Board (RSSB) has doubled its total assets over the past five years, reaching Rwf 3.1 trillion, while contributions from members have climbed to Rwf 515 billion, CEO Regis Rugemanshuro announced on Wednesday.
The growth represents an average annual increase of 15%, attributed to operational reforms, adoption of modern technology, and the expertise of its workforce.
Rugemanshuro highlighted that return on investment soared to 14.2% in 2025, up from just 1.4% in 2021, demonstrating the board’s improved efficiency and prudent management.
During the press briefing, he provided updates on key programs, including pension contributions, the health insurance scheme RAMA, and the long-term savings plan Ejo Heza.
Addressing the RAMA program, Rugemanshuro urged employees approaching retirement to begin contributing while still in active employment, noting that benefits cannot be accessed retroactively.
“RAMA is a special form of insurance. Our fund’s structure does not allow someone who did not contribute while employed to access RAMA benefits after leaving work,” he said.
He stressed that early contributions are critical to ensure access to healthcare, particularly if other health insurance schemes fail to cover treatment.
RSSB attributes its strong performance from 2021 to 2025 to three key strategic enablers. The organization achieved full autonomy through legislation, providing it with operational independence.
A comprehensive restructuring, completed to 76%, ensured that the board is fit for purpose, while IT modernization, implemented at 70%, upgraded technologies to enhance operational capabilities and improve member services.
The RSSB chief noted that these reforms—combined with improved governance, technological innovation, and staff competence—were instrumental in doubling assets, increasing contributions to Rwf 515 billion, and delivering strong investment returns.
Rugemanshuro encouraged all Rwandans to actively participate in RSSB programs to secure their financial and healthcare futures.
