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.

You Pass Away Before Retirement

If a valid nomination was made, we will pay the balance of the account to the named nominee(s) according to the allocated percentage.

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.

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.