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

Maximize 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

Personalized 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