Retirement planning: How small top-ups become big pension

Participants during the East African Pensions Conference & Expo 2025 at the Kenyatta International Convention Centre, Nairobi on October 24, 2025. 

Photo credit: Wilfred Nyangaresi | Nation Media Group

Many Kenyans gracefully plan for weddings, mortgages, even holidays, but when it comes to retirement, little thought is given. Most count down the years, imagining that the small deduction on their payslips has been working as hard as they have.

However, for many working individuals, the worry is that, if there’s already a statutory pension scheme through the National Social Security Fund (NSSF), why should anyone bother with a private plan?

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Note: The results are not exact but very close to the actual.