If you’re still parking serious money in a bank account,
You’re bleeding value every single day.
That’s not saving.
That’s slow financial erosion.
Your money:
- Loses value to inflation.
- Gets eaten by bank charges.
- Does absolutely nothing for you.
Big mistake.
A Real Case
I recently worked with a client who kept Ksh 6 million as a minimum balance in a bank account for six years.
Why?
“It makes me feel safe.”
Fear of investing in the financial market completely paralyzed her.
What she didn’t know — or had never been shown — was the Money Market Fund.
A simple, regulated, low-risk, highly liquid option that beats a bank account hands down.
A good MMF:
- Grows your money above inflation.
- Gives you daily liquidity.
- Has no punitive charges.
- Keeps your capital accessible.
What MMFs Are Perfect For
Emergency fund.
Sinking funds.
Opportunity fund — ready cash when good deals show up.
The Cost of Playing “Safe”
Let’s do the math.
Principal: Ksh 6,000,000.
Average MMF return: 10%.
Time: 6 years.
Total interest earned: Ksh 4,905,565.68.
Total value after six years: Ksh 10,905,565.68.
That’s nearly five million shillings lost by letting money sleep in a bank.
The Verdict
Stop storing wealth in a bank account.
Put your money to work.
Choose a solid Money Market Fund and let your cash earn while it waits.
Top 7 Money Market Funds This Week (Kenya)
ArvoCap Money Market Fund — 10.08%.
Cytonn Money Market Fund — 10.06%.
Nabo Money Market Fund — 10.03%.
Enwealth Money Market Fund — 9.40%.
Lofty Corban Money Market Fund — 9.38%.
Etica Money Market Fund — 9.25%.
Jubilee Money Market Fund — 9.20%.
If you’re not sure which one fits your situation and goals,
WhatsApp me “BEST MMF” and I’ll recommend my top picks for you.
Your money should work for you — not decay quietly in a bank.
Alex Mwangi | WhatsApp 0703472299
