How to contract out of NSSF Tier II in Kenya: the employer process, the Reference Scheme Test, how the money flows, and whether moving to a private scheme is worth it.
What is NSSF Tier II, how much does it cost in 2026, and can you opt out? An honest guide to the Tier II band and contracting out to a private pension scheme.
Kenya Police SACCO paid a 17% dividend on shares and 11% on deposits in 2025, with KSh 66.6bn in assets. An honest review of membership, loans, safety and more.
Mwalimu National SACCO, Kenya’s largest, paid 13% on shares and 10.05% on deposits in 2025. An honest review of membership, loans, safety and how to join.
Nyati SACCO paid a 21% dividend on shares and 11.3% on deposits in 2025, among the highest in Kenya. An honest review of joining costs, loans, safety and more.
Jamii SACCO paid a 14% dividend on shares in 2025, above the ~10% average. Our honest review covers membership, deposits vs shares, loans, safety and how to join.
Mhasibu SACCO paid a 15% dividend and 8% interest in 2025. Our honest Mhasibu SACCO review covers returns, loans, who can join, how to join and the downsides.
Hazina SACCO paid a 17% dividend and 10.75% interest in 2025. Our honest Hazina SACCO review covers returns, loans, who can join, how to join and the downsides.
Tower SACCO paid a 20% dividend and 13% rebate in 2025, among the highest in Kenya. Our honest Tower SACCO review covers returns, loans up to 6x savings, how to join and the downsides.
