Safeguarding Your Future Through Property Diversity
Securing Your Pension Through Smart Property Investment Across Zimbabwe
The Zimbabwe Electricity Industry Pension Fund (ZEIPF) and the ZESA Staff Pension Fund are essential in providing long-term financial security, growth, and income for our members, helping them achieve their retirement goals and maintain financial stability. A big part of that role involves investing in properties — shops, offices, warehouses, hospitals, and more — across Zimbabwe. This article explains how spreading out these investments protects your pension and supports steady growth.
Why Diversification Matters
Not all property sectors perform the same. While some may thrive, others may face challenges. Relying on a single sector or location puts your pension at risk. Diversification helps reduce this risk. By investing in different types of properties and in different places, the Fund ensures that even if one area struggles, others can provide returns.
Current Portfolio Snapshot
The Funds currently hold properties in commercial, industrial, and medical sectors. These include office buildings, warehouses, clinics, and shopping spaces in major cities. These investments are yielding income in USD, even though many are valued in local currency — providing some cushion against economic instability.
Looking Ahead: The Plan
- Mixed-use developments (retail + housing + offices)
- Office parks outside crowded city centers
- Investment in emerging towns across Zimbabwe
- More warehouse space as demand increases
- Hospitality sector investments (hotels and tourist hubs)
Managing Risk
Even as we grow our portfolio, risk management remains a priority. We monitor tenant occupancy, track performance monthly, and adjust strategies as the economy changes. This helps us make sure your retirement investment is secure and sustainable.
Looking Ahead
The property market in Zimbabwe is evolving, with trends indicating a shift towards sustainability and technology integration. Embracing these trends can position ZEIPF and ZESA favourably in the market, enhancing their ability to diversify and grow their property portfolios while managing risk and ensuring the Funds remain strong and secure for pensioners and members.
“Your financial security is our top priority...”
“Mudyandigere wenyu ndiye shuviro yedu...”
“Ukuqinisa kwakho kwezezimali kuyinqgqamsha yethu engqangqayo...”