If you invested Ksh 1,000,000 in a Money Market Fund earning a 10% net annual return, after 5 years you would have approximately Ksh 1,645,309.
That’s Ksh 645,309 earned through the power of compound interest.
Had you left the same money in a current account, you would have earned virtually zero return while inflation quietly eroded your purchasing power.
That is why a Money Market Fund (MMF) should be one of your core savings and investment accounts.
It helps you preserve liquidity, manage cash efficiently, and achieve short-term financial goals while earning returns that can outpace inflation.
Here Is the Latest MMF Performance Update
None of the MMF crossed the 10% net return threshold after tax.
Top 10 Performers
- Nabo Money Market Fund — 9.98%
- Cytonn Money Market Fund — 9.50%
- Etica Money Market Fund — 9.13%
- Lofty Corban MMF — 9.00%
- Madison Money Market Fund — 8.96%
- Enwealth Money Market Fund — 8.93%
- Kuza Money Market Fund — 8.90%
- Faulu Money Market Fund — 8.87%
- Britam Money Market Fund — 8.76%
- Old Mutual Money Market Fund — 8.70%
Key Insights:
The average after-tax return across the 30 Money Market Funds analyzed increased from 7.63% to 7.75%.
Biggest Movers Since 15th July:
Most Improved
- Equity Money Market Fund: 2.17% → 5.25% (+3.08%)
- SanlamAllianz Money Market Fund: 9.04% → 9.74% (+0.70%)
Biggest Declines
- African Alliance MMF: 6.27% → 5.46% (-0.81%)
- Nabo Money Market Fund: 12.27% → 11.74% (-0.53%)
Macroeconomic Update:
Inflation increased from 6.4% to 6.5%.
Treasury Bill yields remained relatively stable:
- 91-Day: 8.83% → 8.79%
- 182-Day: 8.97% → 8.95%
- 364-Day: 8.99% → 9.02%
Central Bank Rate (CBR) remained unchanged at 8.75%.
What Does This Mean?
If your Money Market Fund is consistently earning below inflation, your purchasing power is quietly shrinking.
Aim for a fund that consistently beats inflation and outperforms the market average of 7.75% after tax.
A Money Market Fund is ideal for:
- Emergency Fund
- Sinking Fund
- Business Cash Flow Management
- School Fees Savings
- Short-Term Investments
- Parking cash while planning your next investment
The era of leaving millions idle in a bank account earning virtually nothing is over.
Every shilling should have a job.
Your money should be working just as hard as you do.
WhatsApp “BEST MMF” to 0703472299 and I’ll help you identify the most suitable Money Market Fund based on your financial goals.
How is your MMF currently performing?
Alex Mwangi | The Cent Warrior | WhatsApp: 0703472299
Market Funds Performance Report as at 31st July 2026.
