A 25-year-old who saves Ksh3,000 monthly for just 10 years could accumulate over Ksh7.4 million by age 60, according to a pension specialist.

• Starting savings at 25 and contributing Ksh3,000 monthly until age 35 (total Ksh360,000) could grow to approximately Ksh7.4 million by age 60 with a 10% annual return.
• Pension specialist Alex Kirigo explained this concept at the Co-op Bank Youth Forums.
• The example highlights the power of compounding interest and starting retirement planning early, illustrating how investment gains significantly outperform initial contributions over time.