A recent study by the Centre for Retired Experts (CREX) found that 96% of Ghanaian pensioners are willing to work beyond the mandatory retirement age. This significant finding points to a large pool of experienced professionals ready to contribute to national development.
The study, conducted in February 2026, surveyed 559 pensioners across Ghana. It assessed their willingness, motivations, and capacity for continued productive work after formal employment. A key finding was that 93% of these willing retirees were unaware of any existing platforms to offer their skills.
This situation highlights a critical disconnect in Ghana's labour market. The country faces challenges in job creation and skill gaps, yet a wealth of experience remains underutilised. Harnessing this demographic could boost productivity and transfer vital knowledge to younger generations, supporting Ghana's economic growth targets.
Dr. Adam Salifu, a lecturer at the University of Professional Studies, Accra (UPSA) and co-researcher, emphasised the issue. He stated, "The problem is about coordination and not willingness. Who is there to coordinate these people?" His remarks underscore the need for structured engagement mechanisms.
The implications are substantial for Ghana's economy and social fabric. Utilising these experienced individuals could provide mentorship, advisory services, and direct labour. This could reduce the burden on social welfare systems and enhance overall economic output. Policymakers and industry leaders must now consider how to bridge this coordination gap effectively.
The CREX study revealed that retirement had not diminished pensioners' sense of purpose. About 86% rejected the idea that they became less useful after retirement. Furthermore, 87% continued to see themselves as valuable to national development. This strong desire to contribute contradicts common assumptions about post-retirement life.
A striking 97% of respondents agreed there was a gap between their potential and available engagement systems. More than half preferred the retirement age to be extended to 65 years or beyond. This indicates many consider the current mandatory retirement age of 60 too early for their capabilities.
Despite their eagerness, only about one in five retirees were still professionally engaged. Most others participated in religious, social, community, or family activities. The primary motivations for working were to remain mentally active and contribute to national development. Income supplementation accounted for only 14% of cited motivations.
Governance and development activities were the most preferred areas of engagement, attracting 21% of respondents each. Business and education also showed strong interest. Agriculture and health recorded comparatively lower interest levels. Dr. Salifu linked lower agricultural preference to the sector's labour-intensive nature and limited mechanisation.
The study also highlighted retirees' availability for structured assignments. About 98% were willing to volunteer if transportation and meals were provided. Over 84% could commit one to four hours daily. More than 90% indicated availability for one to four days weekly. This flexibility makes them ideal for various roles.
Additionally, 90% expressed willingness to mentor young professionals. About 88% were prepared to serve as advisers or board members. A remarkable 98% were willing to work in rural and deprived communities. This willingness presents a unique opportunity for skill transfer and community development across Ghana.
The findings suggest a need for government, private sector, and non-profit organisations to collaborate. They must create formal platforms and programmes to connect these experienced individuals with opportunities. This could include mentorship schemes, advisory panels, or part-time consultancy roles. Such initiatives would benefit both the retirees and the nation.
Ghana's economy stands to gain significantly from this untapped human capital. Leveraging the wisdom and experience of its senior citizens can drive innovation, improve governance, and foster sustainable development. The study provides clear data for policymakers to act upon, ensuring Ghana does not waste this valuable resource.