This is a defined contributory retirement saving plan for staff of the county governments, county assemblies and water companies. The employees contribute 12% of their basic salary plus house allowance and the employer contributes 15% of the same.

• Eligibility: The scheme covers employees who are above 18 years of age and below the mandatory retirement age of 60 years.
• Group Life Assurance: All statutory scheme members automatically benefit from Group Life Assurance.
• Additional Voluntary Contributions (AVC): Members may make extra voluntary contributions to enhance their retirement savings.
• Declared interest is applied on a yearly basis to members’ accounts.
• Benefits are accessible upon retirement or separation in accordance with statutory provisions.

The UFANISI Retirement Plan is a Defined Contribution arrangement tailored for private sector employers and employees seeking a structured retirement savings platform. Under this segment, contribution rates are defined by the employer and guided by contractual terms.

Benefits, including accumulated savings and interest, become accessible upon retirement, or other forms of exit/separation in accordance with statutory provisions.

• Designed for private sector employees.
• Employers enroll employees through a Memorandum of Understanding (MOU) with LAPFUND.
• Contributions follow defined rates, aligned to the employer’s terms of service.
• Declared interest is applied on a yearly basis to members’ accounts.
• Benefits are accessible upon retirement or separation in accordance with statutory provisions. 

The UMMA Retirement Plan is a Defined Contribution arrangement for public sector and parastatal employees. Contribution rates are specified by each employer’s terms of service, ensuring consistent retirement savings for members.

Benefits, including accumulated savings and interest, become accessible upon retirement, or other forms of exit/separation in accordance with statutory provisions.

• Designed for public sector and parastatal organizations under defined employer and employee contribution rates.
• Enrollment is facilitated through an MOU between the employer and LAPFUND.
• Member accounts earn yearly interest declared by LAPFUND.
• Benefits become accessible upon retirement or separation from service, in line with statutory and scheme provisions.