The questionable services they render unto their customers got me thinking. 1. What is their capital base, incase of fold up? 2. How come pensioners recieve 3rd part of their salary as monthly pension? 3. This is affirmative, someone who works for Sigma pfa once told me that they will only take care of clients' monthly pension for only 15yrs after which they will terminate it. 4. I forgot to mention that, the PFAs divide people's gratuity into two equal halves, from which they'll pay one part @ the begining and the 2nd half after 15yrs. Pls friends throw more lights on this pls...