At least 90 pc of Kenyans are not planning for retirement and the trend if un-reversed is worrisome. Retirement a period following immediately after exiting from active employment and a major transition in a worker’s life requires appropriate financial planning. Conventionally, in Africa, the risks arising from old age and retirement have been shared by family and the community; however, this practice is on the decline due to present economic conditions in Africa where the family safety nets are low. This is compounded by the nature of the Kenya’s economy which is largely depended on traditional agriculture. The study focused on workers in the informal sector in Kenya commonly known as
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