Financial Security:

• Regular income after retirement
• Lump sum access at retirement
• Tax-free compound growth
• Inflation protection

Tax Advantages:

• Tax-deductible contributions
• Tax-free investment growth
• Tax-free retirement lump sum
• Lower tax on annuity income

Flexibility & Control:

• Choose contribution amounts
• Adjust payment frequency
• Investment fund options
• Early retirement options
• Loan facilities available

• Tax Efficiency

Maximise your savings with Kenya's most tax-efficient retirement plans

• Investment Expertise

Professional fund management for optimal growth and security

• Flexible Access

Multiple withdrawal options including lump sum and regular income

• Personalised Advice

Retirement specialists who understand Kenyan retirement needs

Step 1: Retirement Needs Analysis

We calculate your retirement income needs based on your lifestyle goals

Step 2: Customized Savings Plan

Create a tailored contribution plan to reach your retirement targets

Step 3: Ongoing Management

Regular portfolio reviews and adjustments as you approach retirement

Q1: What's the tax benefit on pension contributions?

A1: You can contribute up to KSh 20,000/month or 30% of income (whichever is lower) tax-free.

Q2: Can I access my pension before retirement age?

A2: Early access is possible for specific circumstances like emigration, critical illness, or purchasing first home.

Q3: What happens to my pension if I change jobs?

A3: Your pension remains intact and continues growing. You can transfer it or start a new plan.

Q4: How are the funds invested?

A4: In a diversified portfolio of bonds, equities, and property managed by professional fund managers

Testimonial 1:

"Started my pension at 35 with Andromeda. Now at 60, I'm enjoying a comfortable retirement with monthly income that covers all my needs."

- James M., Retired Teacher

Testimonial 2:

"As a small business owner, setting up a staff pension scheme with Andromeda helped us attract and retain the best employees."

- Sarah K., Business Owner