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Individual Pension Plan

Secure Your Future with an Individual Pension Plan

Plan at Your Pace. Retire on Your Terms.

Ideal for self-employed individuals, side-hustlers, freelancers, or anyone who wants to supplement their retirement savings independently.




What Is an Individual Pension Plan?

An Individual Pension Plan (IPP) is a personal retirement savings scheme that lets you grow your retirement nest egg over time — even if you’re not part of a company-sponsored pension scheme. Contributions are flexible, tax-advantaged, and entirely portable


Key Features:

  • Flexible Contributions: Start with as little as KES 1,000/month
  • Tax Relief: Contributions of up to KES 30,000/month are fully tax deductible
  • Multiple Payment Options: Use M-Pesa, salary check-off, standing orders, or direct deposit


  • Ownership: All contributions belong to you, even if employer-sponsored
  • Portability: Move jobs, switch careers — your pension plan moves with you
  • Boost Your Contributions: Easily top up or increase your monthly amount over time


Who It’s For:

    ✔ Self-employed professionals
    ✔ Freelancers, consultants & SMEs
    ✔ Employed individuals seeking additional retirement savings








Start Small. Dream Big.

Whether you're self-employed, freelancing, or planning ahead — your future starts with one smart move.

Your future self will thank you.

👉 Open Your Individual Pension Plan Now