How pensions work in Kenya

• NSSF: most employees and employers contribute by law. It is a base, but on its own it is usually not enough to live on.
• Employer pension schemes: many employers run a scheme and add a contribution on top of yours. If yours does, join and contribute at least enough to get the full employer match. It's free money.
• Personal pension plans (individual pension plans): open to anyone, including the self-employed, and run by licensed providers.

Pension schemes are regulated by the Retirement Benefits Authority (RBA). Contributions to registered schemes also get tax relief up to a limit, which lowers the tax you pay.