A new report from the Retirement Benefits Authority, released in February 2026, offers a detailed look into the financial priorities of Kenyan retirees.
The findings suggest a heavy emphasis on long-term stability and family support, with housing and education emerging as the primary beneficiaries of retirement packages.
Building a house and paying school fees tied for the top spot, with 16% of respondents dedicating their benefits to each of these categories.
Agricultural and entrepreneurial pursuits also represent a significant portion of retirement spending. Approximately 15% of retirees channelled their funds into farming, while 14% used their benefits to start or support a business.
These choices indicate a strong desire among retirees to remain economically active and self-sufficient well into their senior years.
Land and property remain attractive options for securing wealth, with 10% of retirees buying land and 8% opting for real estate investments.
The survey also touched on more liquid forms of financial management. About 7% of respondents chose to deposit their benefits directly into bank accounts for savings or daily use.
Interestingly, traditional equity markets saw the least amount of activity from this demographic, with only 2% of retirees choosing to buy shares.
Collectively, these statistics paint a picture of a retirement landscape where immediate family needs and tangible assets like property and livestock are prioritized over speculative financial instruments.
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