APTAK KENYA

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APTAK KENYA

APTAK is a consortium of pension administrators and trustees in Kenya.

The association seeks to provide a multi-stakeholder platform for deliberations, discussions and recommendations, if any to the Retirement Benefits Authority (RBA).

05/06/2026

Nature sustains life. Good governance sustains futures.

On this World Environment Day, we're reminded that protecting the environment and protecting people's futures go hand in hand.

03/06/2026

Does your trustee board have a risk register or just a document that looks like one?

There is a difference between a register that sits in a folder and one that is actively used to protect members.

A functional risk register captures atleast eight things for every risk your scheme faces: what the risk is, what category it falls under, how likely it is to occur, how damaging it would be, the combined risk rating, the specific controls and escalation steps in place, who is accountable for it, and how often the board reviews it.

Here is a real example. An employer failing to remit contributions on time. This sits under compliance risk. Likelihood score: 3 out of 5. Impact score: 5 out of 5. That gives a risk rating of 15 which is HIGH. The mitigation involves monthly payroll cross-referencing, a formal written escalation at 30 days, and RBA notification if the issue is unresolved at 90 days.

This is the kind of structured, documented thinking that separates active governance from passive administration.

For questions on governance practice or to find out how APTAK supports trustee boards across Kenya, get in touch at [email protected]

01/06/2026

63 years of self-rule. 63 years of building.

Today we celebrate Kenya's freedom and recommit to the work of strengthening the institutions that safeguard it. Pension governance is part of that work. When trustees lead with integrity, workers retire with dignity.

Happy Madaraka Day

28/05/2026

Did you know Kenya's Retirement Benefits Act places a direct learning obligation on every scheme trustee?

Ignorance of the law or of the market, is not a defence when governance decisions are challenged.

Our forums bring together trustees to tackle real governance challenges together and every year, our Annual Conference delivers sessions at the cutting edge of pension management.

The member whose retirement you're protecting deserves a trustee who never stops learning.

✅ Join APTAK today. Access governance forums, expert resources, and a community of trustees keeping Kenya's pension sector strong.

Visit aptak.or.ke or email [email protected] to become a member.

27/05/2026

As we celebrate Eid al-Adha, we extend our warmest wishes to all our Muslim members, partners, stakeholders, and the wider community.

May this sacred occasion inspire renewed faith, compassion, sacrifice, and unity among us all. May it also bring peace, prosperity, and blessings to your families and communities.

We value the spirit of togetherness and service that Eid represents, and we remain committed to fostering collaboration and excellence within the retirement benefits sector.

26/05/2026

Yesterday, APTAK President Dr. Hosea Kili, together with other industry leaders, appeared before the National Assembly Finance Committee to advocate for reforms that matter to all of us.

Among the key proposals put forward were:
✅ Removal of taxes on trust funds
✅ Review of stamp duty on trades
✅ Expanding the RBA's mandate to cover trust funds
✅ Widening infrastructure bonds for private sector participation

APTAK continues to champion the interests of the sector and ensure our voices are heard where decisions are made.
Stay tuned for updates as this process unfolds.

22/05/2026

26.5% pension coverage is not a success story.

It means roughly 3 in 4 Kenyan workers have no retirement protection. Most aren't opting out, they're excluded. With 83.6% of the workforce in the informal sector yet only 2.5% covered by pensions, this isn't an awareness problem. It's a design and governance crisis.

As pension reform conversations intensify, four critical questions demand honest answers:
1. Why does the informal sector remain systematically locked out?
2. What could the 2-Pot System actually unlock?
3. How does gender compound retirement insecurity?
4. Why does governance quality determine who participates?

The hard truth is that trust is the entry point and poor governance doesn't just underperform: it erodes confidence, suppresses enrollment, and breaks the contribution cycle before it starts.

Pension reform succeeds only when the institutions delivering it are credible, transparent, and genuinely trusted.

That responsibility rests with every trustee in the system. Governance isn't peripheral. It's foundational.

15/05/2026

Pension schemes are going digital: member portals, online contribution tracking, automated compliance reports, and data-driven investment oversight are no longer extras. They are becoming the standard.

But with digital tools come responsibilities.
Trustees need to ask hard questions:
1. Who has access to member data, and on what terms?
2. What cybersecurity measures are in place if systems are breached?
3. Are digital investment tools being monitored and governed or just trusted?
4. Does your scheme meet data privacy obligations under the law?
Digital governance is not an IT issue. It is a trustee issue.

The schemes that get this right will not just be compliant they will be trusted.

14/05/2026

Effective member communication is not a marketing function. It is a fiduciary responsibility.

Kenya’s regulatory framework places clear disclosure obligations on trustees. Annual benefit statements. Communication of material scheme changes. Plain-language information that members can actually use to make informed decisions about their retirement.

These are governance obligations that sit alongside investment oversight and risk management on every trustee’s fiduciary duty list.

Members have a right to understand their scheme. Trustees have an obligation to ensure they do.

12/05/2026

Compliance is the minimum standard. Good governance is the real benchmark.

Many retirement schemes confuse regulatory compliance with effective governance. They are not the same thing. Kenya’s regulatory framework sets the floor. The six benchmarks in this carousel reflect where the sector’s best-governed schemes are already operating.

As you swipe through, assess your scheme honestly:
➡️ Is your IPS current and calibrated for 2026 market realities?
➡️ Does your risk register have clear ownership, accountability, and review timelines — or does it exist mainly for audits?
➡️ Are contribution remittances reconciled monthly against payroll data?
➡️ Is your trustee education programme aligned to current RBA training expectations?
➡️ Is ESG reporting integrated into your fund manager’s performance reporting?
➡️ Is your scheme operationally prepared for quarterly RBA management account submissions?

Every “no” represents a governance gap. And governance gaps eventually become member risks. The direction of Kenya’s retirement sector is becoming clearer: stronger oversight, higher accountability, better-informed trustees, and more operational discipline.

Well-governed schemes are already adapting.
APTAK exists to help schemes move beyond compliance and build governance systems that genuinely protect members’ long-term interests.

Swipe through, assess your scheme honestly, and follow APTAK for practical governance insights shaping the future of Kenya’s retirement sector.

Address

12th Floor, Pension Towers, Loita Street. P. O. Box 26986/
Nairobi
00100

Website

http://www.aptak.or.ke/

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