Our Personal Retirement Scheme (PRS) is designed to help you plan your future. It’s a flexible, tax-friendly way to start saving for the future, no matter where you are in your career. Think of it as your personal pension plan. You set aside what you can, and we invest it in a mix of professionally managed assets that earn interest daily. Over time, it grows into something solid you can count on when you retire. Planning for retirement starts with one step today.

Calculate retirement benefits

When you're ready to access your benefits, you can choose how you’d like to receive them:

Lump Sum (Provident Fund Option):

You can choose to withdraw your entire retirement savings at once, or set up regular payments instead. With regular payments, you can go for an annuity (guaranteed monthly income) or an income drawdown plan (where your savings stay invested, and you withdraw as needed).

Pension Income (Pension Fund Option):

Take a third of your savings as a lump sum, then use the rest for regular payments for a set number of years or for life. It's a great way to turn your savings into a steady income!

Your Contributions Are Always Yours

Whether you’re contributing personally or via an employer, the
money you save remains 100% yours, even if you change jobs or
take a career break.

Flexible & Affordable

Start with as little as KES 500 per month. You can adjust your contribution amount or payment frequency anytime; monthly,
quarterly, half-yearly, or annually.

Tax-Smart Saving

Enjoy generous tax advantages under Kenya’s Income Tax Act. Contributions (within legal limits), investment returns, and payouts are
all tax-free. Contributions beyond allowable limits are still invested but taxed separately.

Consolidate Pension Savings

Transferring funds from other registered schemes? You can move
them into ICEA LION’s PRS tax-free, keeping your retirement
portfolio in one place.

Daily Growth, Long-Term Impact

We apply a minimum guaranteed interest rate of 4% p.a., earned daily. That means your consistent contributions, however small, add up significantly over time.

Use Savings as Mortgage Security

Need support for home financing? You can use up to 60% of your pension as additional collateral for a mortgage loan.

You Pass Away Before Retirement

Whether you’re contributing personally or via an employer, the money you save remains 100% yours, even if you change jobs or take a career break.

You Want a Projection?

Start with as little as KES 500 per month. You can adjust your contribution amount or payment frequency anytime; monthly, quarterly, half-yearly, or annually.