An Individual Pension Plan (IPP) is a personal investment vehicle registered with the Retirement Benefits Authority (RBA) designed to help individuals accumulate long-term retirement wealth. It enables both employed and self-employed people to make flexible, regular contributions during their earning years to secure a sustainable financial future during retirement.
Accessible onboarding structures starting from as low as KES 1,000 per month.
Allows tailored monthly, quarterly, or lump-sum contributions matching your cash flow cycles.
Governed within a highly secure framework overseen by the Retirement Benefits Authority (RBA).
Provides direct statutory tax deductions on contributions and tax-exempt investment growth.
Funds are skillfully allocated across secure asset segments to ensure long-term wealth compounding.
Can run as a stand-alone personal scheme or function within corporate umbrella structures.
Self-Employed Entrepreneurs: Individuals running personal business ventures without standard corporate schemes.
Gig-Economy & Freelancers: Professionals with modern, fluid income setups who require autonomous control over savings.
Supplementary Savers: Employed professionals looking to top up their existing employer-sponsored schemes for maximum retirement security.
Tax Efficiency Seekers: High-earners prioritizing safe legal avenues to reduce annual income tax exposures.
Future Financial Visionaries: Forward-thinking adults focused on ensuring a dignified, self-sustained lifestyle in their golden years.
Begin an automated personal retirement layout explicitly configured around your timeline and cash potential.