Unified Councils Pension Fund is a member-owned Fund established in 1975 due to the Government’s initiative to cater to employees in the quasi-government sector, thus former Provincial Authorities, Central Rates Fund, African Councils, and Townships. The Association of Rural District Councils (ARDCZ) 1982 replaced the African Councils and became the mother body running the affairs of the Fund whilst Old Mutual was still the Administrator (It was then the Agent Administered Pension Fund)