NSSF Tier II Contracting Out

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NSSF compliance is mandatory for all employers and self-employed individuals in Kenya — with Tier I and Tier II contributions components. Non-compliance attracts fines, prosecution, and escalating arrears penalties. The good news: employers are legally permitted under the NSSF Act to contract out Tier II contributions to a higher-performing IRA and RBA-regulated private retirement scheme. The difference in compounded returns over a 20-year career between NSSF Tier II rates and a competitive private scheme can be substantial. We assist employers and individuals to complete the contracting-out process and select the best-performing private scheme for their circumstances.

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Insights

NSSF alone is not enough for employee retirement security in Kenya. Employers must understand the gap between statutory minimum and real retirement needs. Contracting NSSF Tier 2 is the better option.