At retirement, an RSA holder can opt for any of the withdrawal options specified in the Act or under the Regulations for the Administration of Retirement and Terminal Benefits. Such options include:

1. Programmed monthly / quarterly withdrawals,
2. Annuity purchased from a licensed Life Insurance Policy in line with the Regulation on Annuity and
3. A lump sum of the amount standing to the credit in his / her RSA provided that the amount left after the withdrawal is sufficient to procure an annuity or programmed withdrawal that will produce an amount that should not be less than 50 percent of his/her annual remuneration as at the date of retirement