Boresha Maisha Umbrella Plan

Boresha Maisha Fund Factsheet


The Boresha Maisha fund fact sheet allows you to make an informed decision by giving you all the information you need to understand how the fund works, what investments are being made and the performance of the fund over time.

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As an employer, you play a crucial role in the financial lives of your employees. Employers that provide attractive long-term financial benefits such as retirement and life benefits tend to attract and retain employees and boost productivity. 

The Boresha Maisha Umbrella Retirement Plan provides a comprehensive retirement package, including employee and dependents benefits. Our members find peace of mind knowing that their contributions are being invested in various portfolios, and the accumulated value is distributed upon retirement or in cases of death or disability.

How are the funds invested?

  • Conservative Fund: Ideal for investors seeking minimal risk who prefer to avoid significant investment risk.

  • Aggressive Fund: Tailored for individuals with a high appetite for risk and a long-term investment perspective. Investors in this fund are prepared to weather the volatilities linked with equities in the short term.

  • Moderate Fund: Designed for those with a medium risk appetite and a medium-term horizon, this fund balances the characteristics of both conservative and aggressive approaches.

  • Cash Fund: Emphasizing stable returns and capital preservation, the Cash Fund invests predominantly in low-risk, short-term investments. It's perfect for investors aiming for consistent investment returns.



  • Both the employer and employee benefit from tax exemptions subject to the statutory limits under monthly contributions, investment income and when benefits are withdrawn. (Compare this to a 30% tax deduction on every member if the benefits were to be paid out as a gratuity…)
  • Allows staff to make investment decisions based on their appetite for risk and investment returns.
  • No set-up costs. The management of the fund is transparent and simple for employers & staff.
  • Ensures predictability of cost within agreed budgets.
  • Allows management to focus on their core business.
  • Improves staff retention and motivation, elevates an employer’s corporate image and increases productivity.
  • The Scheme is designed under the Retirement Benefits Act and regulated by the Retirement Benefits Authority (RBA).  
  • Meets the minimum requirements of the NSSF Act 2013.

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