Retirement age
Access to the funded pension account turns on age alone — no separate years-of-participation condition exists. The age itself is not stated by the Funded Pension Law; it is cross-referenced from the State Pensions Law.
Age, and age alone
Full access to the funded pension account opens once you reach retirement age — 65 years for men, 60 years for women. This age is not stated by the Funded Pension Law itself: it cross-references the State Pensions Law, where the two figures are set.
No further condition — a minimum number of working years or a minimum contribution period — applies. That follows from what the account is: it is your own individual account, not a benefit calculated from a collective fund, so the whole balance is yours regardless of how long you contributed.
What the “5 years” is about
The law does mention a 5-year figure — if you reach retirement age within 5 years of your first contribution, taking the balance as a lump sum is available outright. This is often misread as an eligibility gate; it is not. It widens ONE payout route — the lump sum — and restricts nothing about general access. Details are on the payout page.
What this page does not cover
Two other routes touch the account early but are not covered here, because neither is an age-based early pension: disability (a separate, optional route) and permanently leaving Georgia (a withdrawal tied to losing citizenship or residence, not to age at all). See the early-access page for why neither counts as early retirement.