Guaranteed Umbrella Fund

Retirement Made Easy for Your Team

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Guaranteed Umbrella Fund

Looking for an easy, cost-effective way to provide retirement benefits for your employees? The ICEA LION Guaranteed Umbrella Fund is here to help. It’s a collective scheme where employers come together to offer their employees retirement, death benefits, and more while enjoying the benefits of a large, pooled fund. Whether you choose a Provident Fund (a lump sum payment at retirement) or a Pension Fund (monthly income after retirement), we’ll guide you through it. 

  • Zero setup stress
    You plug into a ready-made scheme, no need to create your own.
  • Lower running costs
    Shared service providers mean you save more every step of the way.
  • Less admin, more focus
    We handle the retirement stuff so you can focus on your best work.
  • Happy and loyal team
    Offering retirement benefits helps you attract and keep top talent.
  • Professional support
    Access top-notch fund managers and trustees without breaking the bank.
  • Meet compliance
    We have you covered on Tier II contributions under the NSSF Act No. 45, 2013.
  • Guaranteed Returns
    By pooling funds with other employers, your team enjoys lower costs, which means consistent and above-market-average guaranteed returns on investment.
  • Smart, Diverse Investments
    The contributions are invested across various assets, helping reduce risk and increase long-term growth.
  • Peace of Mind
    The funds are in the hands of trusted retirement experts — fully regulated and focused on delivering value. We absorb all the investment risks, meaning you can never earn a negative
  • Transparent Updates
    Your employees get regular, easy-to-understand updates on how their retirement savings are performing.
  • Digital Access
    Our secure online platforms for both employees and employer keeps communication clear, quick, and ease access to our services
  • Trusted by Many
    With over 60 years of financial expertise, you’re joining a Triple AAA rated, stable and experienced partner.

Our scheme is perfect for small to medium-sized employers who:

  • Have at least two employees and want to set up a retirement plan.
  • Want to pool resources with others to enjoy better rates.
  • Are moving from a segregated to a guaranteed arrangement.
  • Want to leave the management of their scheme to professionals.

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