Managing retirement savings in Kenya

Cheryl Moderator

Member since 15 October 2018

CherylModerator20 August 2025 07:31:12

14938

Hello everyone,

Saving for retirement as an expat in Kenya can be challenging. With different options, rules or even taxation, expats have to understand how it works to make informed decisions. We invite you to share your insights in order to help other expats and soon-to-be expats manage or plan their retirement savings in Kenya.

How do you handle retirement savings in Kenya?

Have you faced any challenges accessing pension funds from your home country (or from other countries)? How do you deal with taxation or the currency exchange rates?

What local options are available to expats, either public or private, to help you save for retirement?

What are the most popular private pension or investment plans popular among expats in Kenya?

What do you wish you had known earlier about saving for retirement as an expat?

Thank you for your contribution.

Cheryl
Expat.com Team

peterg123 Contributor

Member since 11 April 2019

peterg123Contributor14 September 2025 16:23:39

167

There is no taxation on any foreign sourced pension in Kenya. Kenya is a source income taxation regime. Money must be earned in Kenya or else if outrside Kenya by a company, entity or person working from Kenya.

KJenya has one of the best tax regimes for expants and retirees. But it is not well known.

Chip Kingsbury New member

Member since 05 August 2024

Chip KingsburyNew member03 November 2025 13:36:00

Kenya government tax exempt infrastructure bonds offer very good rates. The interest rates can even be negotiable if the investment amount meets certain thresholds. They are offered from time-to-time. So one needs to be watching the website. Just search: Kenya government tax exempt infrastructure bonds.