This article examines Pension System Reform in Sub-Saharan Africa: Coverage, Adequacy, and Investment: An African Union Perspective with a focused emphasis on Democratic Republic of Congo within the field of Business. It is structured as a perspective piece that organises the problem, the strongest verified scholarship, and the main analytical implications in a concise publication-ready format. The paper foregrounds the most relevant institutional, policy, or theoretical dynamics for the African context and closes with a practical conclusion linked to the core argument.