A Happy, Secure Retirement for Your Employees — Without the Admin Burden

What is APA Life Umbrella Retirement Fund?

The APA Life Umbrella Retirement Fund is a retirement vehicle allowing multiple, unrelated employers to fund their employees' retirement under a guaranteed pooled fund. Governance, trusteeship, investment, custody and administration are centralised, removing these burdens from employers — and all administration costs are borne by APA Life, increasing returns to members.

Members' contributions and accumulated earnings are guaranteed against impairment with a 4% minimum return. It delivers all the advantages of an occupational scheme — guaranteed returns, professional management and tax efficiency — without the trustee liability, governance burden or high cost.

Highlights

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  Pooled, guaranteed retirement fund for multiple unrelated employers under one professionally managed arrangement.
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  Centralised governance, trusteeship, investment, custody and administration — APA Life bears all admin costs.
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  Capital and earnings guarantee with 4% minimum return plus bonuses; APA has averaged ~10% net over 10 years.
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  Tax relief on contributions up to KES 30,000/month; first KES 360,000 p.a. of pension is tax-free.
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  Annual benefit statements and portability on exit — transfer to individual plan or new employer scheme.
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  No cost of set-up or enrollment; member sensitisation provided.