Anticipated sources of retirement income amongst Kenyans

A new report by ICEA Group shows that most Kenyan workers expect to rely on personal savings rather than pensions when they retire.

The study, released on November 20, 2025, indicates that 48 per cent of the working population anticipates funding retirement through other savings and investments, while only 26 per cent expect to depend on pension savings.

Another 16 per cent believe they will rely on their children, and 10 per cent plan to liquidate property. ICEA says the findings highlight persistent gaps in pension uptake and long-term financial planning among Kenyan workers, despite ongoing sector reforms.