Through deep insights and a thorough understanding of the post-employment market, we are able to provide long term solutions for our clients to enable adequate capital management to ensure employees get attractive and secure investments and pension solutions. Key products under this segment include:

Individual Pension Plans (IPPs)

These are personal retirement savings plans for individuals, including self-employed professionals or employees without employer-sponsored schemes. Contributions are flexible and tax-deductible (up to Ksh 20,000/month), and funds grow through diversified investments.

Occupational Pension Schemes

Employer-sponsored retirement plans where both employer and employee contribute. These can be defined contribution or defined benefit schemes and are regulated by the Retirement Benefits Authority (RBA). They offer structured retirement savings and tax advantages.

Umbrella Pension Schemes

Ideal for SMEs or organizations that want to offer retirement benefits without managing a standalone scheme. Multiple employers join a single, professionally managed fund—reducing administrative costs while offering employees retirement security.

Provident Funds

Similar to pension schemes, but benefits are paid out as a lump sum at retirement rather than a monthly pension. Suitable for employees who prefer a one-time payout to invest or use as they wish.

Mortgage-Backed Pension Benefits

Under RBA regulations, members of pension schemes can use up to 60% of their accrued benefits as collateral for a mortgage loan—helping them secure home ownership while saving for retirement.

Investment-Linked Insurance Plans (ILPs)

These combine life insurance with investment. A portion of the premium goes toward life cover, while the rest is invested in funds like equities, bonds, or money markets. Returns depend on fund performance.

Endowment Policies

These are savings-oriented life insurance plans that pay a lump sum after a fixed term or upon death. They’re often used for education planning, retirement, or major life goals.

Annuities

Purchased at retirement using pension savings, annuities provide a guaranteed income stream for life or a fixed period. They offer financial security post-retirement and are regulated by the Insurance Regulatory Authority (IRA).