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Here is why they say "Mapema Ndio Best" when planning for your retirement

Let’s talk twins. Not just any twins—Paul and Peter. Both 25. Both smart. Both fresh from campus, landing solid jobs in a financial services firm.

Now, Paul was your classic cool guy. The phone? Always the latest. The weekends? Booked with brunches and concerts. He lived for the vibe. In the office? A star performer. Out here? Trendy, techy, and totally tapped in.

Then there’s Peter. Calm. Modest. The kind who actually reads the T&Cs. Didn’t flex much, but his Google Sheets were something else. He joined the same company, earned the same salary—but from day one, he started putting 10% of his income into a personal pension fund.

Paul? Not so much. Pensions sounded... boring. He wanted to “live a little” before adulting..sherehe kidogo kidogo, hapa na pale. It took six years (and one very persuasive financial coach) to finally get him to start saving.

Fast forward 15 years. They’re both department heads. Then came that email—the pension update.

Peter: Ksh 6.1M

Paul: Ksh 3.6M

Same job. Same salary. But now, Peter’s money is doing jumping jacks while Paul’s is still stretching.

If both men never save another shilling, Peter will retire with Ksh 28.4M while Paul will walk away with Ksh 16.7M. That’s an 11.65 million difference! Paul now needs to fork out an extra Ksh 254,612 every year just to catch up.

Ouch.

So here’s the tea:

Retirement isn’t a faraway fantasy. It’s tomorrow in disguise. The earlier you start saving, the harder your money works for you. 

Don’t let brunch and gadgets steal your future peace. Be like Peter!

To get started, email us at: bancassurancepension@kcbgroup.com

Apr 24, 2025 Trending

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