A Retirement Benefits Scheme is a structured financial plan or investment vehicle designed to help individuals accumulate funds over their working years to provide income and financial security during retirement. These schemes are often sponsored by employers, government entities, or private organizations and typically involve regular contributions from both employees and employers.

The SALIH Retirement Fund is a Shari'ah Compliant Retirement Benefit Fund established within the new County Pension Fund in line with Islamic Principles of commercial transaction to enable members to save for their future ethically.

Any employee of the County Government who is not a member of any Retirement Scheme and wants a scheme that is agreeable with Islamic Principles or any other organization that wants a scheme that is agreeable with Islamic Principles for its staff.

The SALIH Retirement Fund will enable you as a member to save for your retirement prudently in a cost-effective and Shar’iah-compliant manner.

Individuals can join by filling a membership form. County employees need to fill a form provided by CPF with the approval of the County Human Resource Office or any other applicable office. Organizations can join by signing a Deed of Adherence, available at branch offices or through inquiry.

For employees of the County Government, your employer will contribute 15% of your basic salary and house allowance while you contribute 12% of the same towards your fund.

Your contributions, together with your employer's, are given to trusted Fund Managers who, in collaboration with Trustees and the Shari'ah Supervisory Committee, follow a well-structured Shariah-compliant investment policy statement and invest the contributions accordingly to enable you to earn ethical returns on your contributions.

Your benefits are transferred and paid to your nominated beneficiaries mainly in accordance with Islamic Customary Law.

You can nominate persons dependent on you, such as a spouse, children, or any other person as guided by the Islamic Shariah Law of Inheritance.

Yes, you can change your beneficiaries at any time. However, it is important to notify us in writing.

Should you leave employment before retirement age, you will be entitled to your full portion of contributions plus your Shariah compliance investment income and up to 50% of the employer's contributions plus investment income.

SALIH Retirement Fund provides an opportunity for Muslims sensitive to Shariah Laws to have access to unique solutions reconciling financial needs and matters of faith. It offers protection against old age poverty, peace of mind for adhering to Islamic principles, and contributes positively to Shariah-compliant societies.

You will receive an annual statement showing how much you have saved, accessible anytime online on the CPF website.

You can use up to 60% of your benefits as security for a mortgage.