Skip to main content

  Why Pensions Matter

  • Maintain Your Lifestyle in Retirement
    A pension helps you replace your salary with reliable income when you’re no longer working — ensuring you continue living the life you’ve built over decades.
    Without a pension, many retirees experience a steep drop in income and financial independence.
  • Start Early, Retire Confidently
    The earlier you start contributing, the more time your money has to grow. Small, consistent contributions today lead to significant payouts tomorrow — thanks to compound interest.
  • Avoid Old Age Poverty
    In Kenya, many elderly citizens rely on family or government support. A personal pension empowers you to remain financially secure, independent, and dignified in your later years.
  •  Enjoy Tax Benefits
    Contributions of up to KES 30,000 per month are tax deductible, effectively reducing your income tax liability and allowing your investments to grow tax-free.

Ready to Start?

Whether you're self-employed or salaried, your retirement planning begins now — not when you're older.

The best time to start contributing was yesterday. The next best time is today.


Individual Pension Plan

Perfect for freelancers, business owners, or employed individuals who want to top up their retirement savings privately.
👉 Learn More


Occupational Pension Plan

Ideal for employers offering staff benefits — or for those wishing to contract out of NSSF Tier II contributions under the new pension rules.
👉 Explore Employer Plans


Annuity

Secure a guaranteed income for life or for a defined period with a one-time investment upon retirement.
👉 Secure an Annuity


Income Drawdown Fund

Maintain flexibility after retirement. Withdraw at your pace while your savings continue to earn.
👉 Discover Drawdown Options