Pension Planning

Secure your sunset years with a flexible retirement savings plan. Make your retirement years your golden years.

Are You Actively Working For An Income?

Whether you are in employment, business, or running a freelance career, earning an income is crucial today. But have you made any provision for your old age? What will you depend on in your sunset years? Pension planning ensures that when you step away from work, your income doesn't step away from you.

Flexible Savings from KES 500 per Month

Flexible Savings

Worry not, for you can begin the journey today by saving from as little as KES 500 per month. Top up with lump sums or adjust your contributions as your income grows.

Compound Growth

Your pension funds earn compounding interest over time, protecting your purchasing power and multiplying your long-term wealth.

Tax Relief

Registered pension schemes in Kenya offer tax tax-deductibility up to KES 20,000 monthly, reducing your tax burden today.

Regulated Security

Supervised by the Retirement Benefits Authority (RBA) of Kenya, ensuring strict professional custody and fund management guidelines.

Take Control of Your Sunset Years

Beginning early is the single most important factor in pension planning. A small amount saved in your 20s or 30s will compound significantly compared to saving larger sums later. An Individual Pension Plan (IPP) allows you to save at your own pace, providing security when you retire.

Pension Quote Request

Plan your retirement goals and receive customized scheme comparisons.

Minimum monthly savings starts at KES 500.

All details are confidential and secured.

Pension Planning FAQs

Get answers to retirement ages, tax benefits, and voluntary contributions.

An Individual Pension Plan (IPP) is a personal savings scheme designed to help individuals save for retirement. It is highly flexible and suited for self-employed individuals, business owners, or employees whose employers do not offer a staff pension scheme.

In Kenya, contributions made to a registered pension scheme are tax-deductible up to a maximum of KES 20,000 per month (or 30% of your pensionable income, whichever is lower). This reduces your taxable income, meaning you pay less income tax (PAYE).

Under RBA regulations, you can access up to 50% of your accrued pension savings (and 100% of your own contributions plus interest) prior to retirement. However, it is highly recommended to leave the funds untouched to allow compounding growth to work for your sunset security.