The 2025 results are out!
I’ve compiled data from 15 pension fund companies, and here’s how they performed.
But before we get into the rankings…
What is a Guaranteed Pension Fund?
A Guaranteed Pension Fund gives you a minimum return floor.
Your money cannot grow below a certain rate (e.g., 4% or 5%)
But if the market performs better, you earn more above that
Think of it like this:
Worst case → You earn 4%
Best case → You earn 10%, 11%, 15% or more
You are protected on the downside
You still participate on the upside
Simple Example:
You invest Ksh 1,000,000:
Market performs poorly → You still earn 4% = Ksh 40,000
Market performs well → You earn 11% = Ksh 110,000
You never go below the floor. You either earn the minimum… or more.
This is why these funds are powerful:
Capital Protection – Your retirement money is shielded from losses
Predictable Growth – You can plan your future with confidence
Upside Participation – You don’t miss out on strong market years
Peace of Mind – No stress, no guesswork, no emotional investing
Guaranteed funds are where discipline meets certainty.
You lock in safety… while still giving your money room to grow.
Think of it as a safe, predictable growth engine for your retirement.
And as I always emphasize,
Your income is not your wealth; how you protect and grow it is what matters.
Now, back to Funds’ Performance…
The market rewarded intentional investors.
Top 10 Guaranteed Pension Funds In 2025
- Equity Life → 15%
- Sanlam Life → 14%
- Jubilee → 13.5%
- Britam → 13%
- Old Mutual → 13%
- Kenya Orient → 13%
- CIC Life → 12.6%
- GA Life → 12.5%
- Pioneer Assurance → 12.3%
- ICEA → 12.3%
That’s how the market rewards discipline, patience, and smart positioning.
If you don’t have a pension plan yet,
Whether you’re self-employed, a consultant, freelancer, or business owner—this is your sign.
WhatsApp me “PENSION FUND” on 0703472299
I’ll help you choose the right fund and guide you through the process.
Note: Do not rush to pick the fund with the highest return.
You need more than that to make a sound decision.
I will be sharing more insights on my timeline.
Now tell me,
Which Pension Fund Are You In… And How Did It Perform?
Alex Mwangi | The Cent Warrior | 0703472299
