The Pension Reform Act (PRA) 2014 did not provide for any specific age at which an individual or employee can open a Retirement Savings Account (RSA) under the Contributory Pension Scheme (CPS). However, by other extant guidelines issued by the National Pension Commission (PenCom), you must not be below the age of 18 and be an eligible employee to participate under the CPS in line with the provisions of Section 2 & 3 of the PRA 2014. This applies to prospective participants or contributors under the CPS as well as the Micro Pension Plan.