Why Kenyan Portfolios Are Less Diversified Than They Look
Holding twelve counters on one exchange is not diversification. It is concentration with extra steps — and the arithmetic is worth understanding.
Victor Edwards Odhiambo · 1 min read
Retirement Planning
Know your retirement number, optimize your pension and build income that outlives your payslip — whether you retire in thirty years or five.
About this service
Build a Secure Future. Retire with Confidence.
Retirement is not an age — it's a number. The real question is whether you'll reach yours. VEO Consultancy helps you define what a comfortable retirement looks like for you, calculate exactly what it will cost, and build a realistic plan to get there — whether retirement is thirty years away or five.
Your Retirement Roadmap
- Know your number. We calculate your true retirement target based on your lifestyle goals and inflation.
- Optimize your pension. Review your current schemes and contributions to close any gap.
- Build supplementary income. Stocks, funds and assets that pay you after the payslips stop.
- Protect the plan. Provisions for healthcare, family obligations and the unexpected.
- Plan your drawdown. So your savings last as long as you do.
Key benefits
What you get from working with us
A number, not a feeling
A defensible figure for what your retirement costs, and a clear statement of whether you are on track for it.
Tax-aware structuring
Contribution and drawdown strategy that uses the reliefs available rather than discovering them afterwards.
Scheme consolidation
A clear view of fragmented pension pots from previous employers, and whether consolidating them helps.
Plans that survive setbacks
Scenario planning for the interruptions that actually happen, rather than a straight line to sixty.
The process
How this service works
Know your number
We calculate your true retirement target based on your lifestyle goals and inflation.
1–2 weeks
Optimize your pension
Review your current schemes and contributions to close any gap.
2 weeks
Build supplementary income
Stocks, funds and assets that pay you after the payslips stop.
1 week
Protect the plan
Provisions for healthcare, family obligations and the unexpected.
Annually
Plan your drawdown
So your savings last as long as you do.
Questions
Frequently asked questions
I already have a pension through my employer. Do I need anything else?
Possibly not — but very few people have checked. The useful exercise is establishing what your existing arrangements will actually deliver against what you will need. Where there is no gap, we will tell you so.
Can you help me consolidate pensions from previous employers?
Yes. Fragmented pension pots are common and frequently forgotten. We help you trace them, understand the terms of each, and assess whether consolidating is genuinely in your interest — sometimes it is not.
How much money do I need to retire in Kenya?
It depends on your intended lifestyle, location and health needs — but a common starting rule is targeting seventy to eighty percent of your current annual expenses per retirement year. In your session we calculate your personal number precisely.
When should I start retirement planning?
The best time was your first payslip; the second-best time is today. Starting early lets compound growth do the heavy lifting — but even late starters can build meaningful security with the right plan.
Is NSSF enough for retirement?
For most people, statutory contributions alone won't sustain their current lifestyle in retirement. We help you build supplementary savings and investments to bridge the gap.
Related insights
Further reading
Understanding NSSF Tier Two Contributions
What the tiered contribution structure means for your retirement position, and the questions worth asking your employer.
Maureen Odongo · 1 min read
How Large Should Your Emergency Fund Actually Be?
The standard answer is three to six months. The useful answer depends on how stable your income is and how quickly you could replace it.
Amina Said · 1 min read
Find out where you actually stand
Most people have never had the number calculated. It is usually the most useful hour they spend.
“The retirement model Esther built showed me I was eleven years short of where I assumed I was. Unpleasant to hear, and exactly what I needed.”
Important information
Investment involves risk. Content on this website is for general information and does not constitute a guarantee of returns. Speak to a VEO consultant for advice tailored to your circumstances.