Investors today want predictability, safety, disciplined returns, and long-term stability. They want an investment that works quietly in the background while protecting their capital and generating consistent income. This is exactly the environment where the Mayfair Fixed Income Fund has risen to prominence.
Managed by Mayfair Asset Managers, the fund is designed for investors who desire a balanced, low-volatility, interest-earning portfolio backed by well-researched fixed-income securities.
The Mayfair Fixed Income Fund is built for individuals, families, corporates, SMEs, institutions, and high-net-worth investors who prefer a structured approach with minimised risk exposure.
This comprehensive 2026 guide explores everything you need to know about the fund — how it works, the structure behind it, its investment strategy, fund features, fees, risk classification, historical yield trends, suitability for different investors, and its long-term wealth-building potential.
Understanding the Mayfair Fixed Income Fund
Before diving deeper into performance, fees, and portfolio design, let’s establish a clear understanding of what the fund is and the value it aims to deliver.
A Regulated Unit Trust Focused on Stability
The Mayfair Fixed Income Fund (MFIF) is a low-risk, interest-earning unit trust fund governed under Kenyan Collective Investment Scheme regulations. It invests in a diversified mix of fixed-income securities with the goal of delivering consistent returns while preserving the investor’s capital.
This makes it ideal for investors who want stable performance without the volatility associated with equity markets or alternative high-risk investments.
Core Purpose of the Fund
The fund aims to:
- Preserve investor capital
- Generate a stable and predictable income stream
- Deliver consistent returns aligned to the interest-rate environment
- Provide diversified fixed-income exposure
- Offer liquidity and access to professional fund management
- Support medium- to long-term wealth-building goals
It is not an aggressive or speculative fund — the strategy is carefully designed to provide confidence and peace of mind.
Fund Structure and Key Features
The structure of the Mayfair Fixed Income Fund is one of its strengths. It is built with clarity and flexibility to support investors across various financial backgrounds.
Minimum Investment Requirements
Based on available fact sheets:
- Minimum Initial Investment: KES 5,000
- Minimum Top-Up: KES 1,000
This makes the fund accessible to retail investors while still offering institutional-grade management.
Income Distribution
The fund distributes income quarterly, depending on performance and underlying cash flows of the portfolio holdings.
Investors may choose:
- Income payout, or
- Reinvestment for compounding
Reinvestment is highly recommended for long-term stability and growth.
Fees
From the Information Memorandum:
- Management Fee: 2% per annum
- Custodial Fee: Up to 0.15%
- Trustee Fee: Up to 0.20%
- Total Expense Ratio (approx.) typically remains within market norms for fixed-income CIS products.
The fees cover professional fund management, compliance, reporting, and custody services.
Redemption Terms
Withdrawals are generally processed within 3–5 business days, subject to available liquidity.
There is no lock-in period, making the fund flexible for both short- and medium-term financial planning.
Investment Objective and Philosophy
Every fund has a guiding philosophy — a strategic compass that directs how assets are selected and how risk is managed. Mayfair’s philosophy is built on three pillars.
Capital Preservation
The priority is to safeguard investor capital by allocating the majority of funds to secure, low-risk instruments such as government securities, investment-grade corporate bonds, and high-quality deposits.
Steady Income Generation
The fund aims to provide predictable interest income through carefully selected fixed-income assets, avoiding excessive risk-taking.
Strategic Diversification
Diversification protects the fund from concentration risk. By spreading investments across multiple issuers, durations, and sectors, Mayfair reduces exposure to any single point of failure.
Investment Strategy: How the Fund Generates Returns
The Mayfair Fixed Income Fund incorporates a disciplined and research-led approach to investing.
Government Securities
These form a significant part of the portfolio because they:
- Carry minimal credit risk
- Provide predictable coupon payments
- Anchor the fund’s stability
Government securities remain the most risk-free instruments in Kenya’s fixed-income market.
Corporate Bonds
The fund invests selectively in investment-grade corporate bonds. Issuers must demonstrate:
- Consistent profitability
- Solid balance-sheet strength
- Positive industry outlook
- Reliable cash flow
- Strong credit ratings
These instruments provide higher yields but are selected with conservative criteria.
Fixed and Call Deposits
High-quality deposits with regulated financial institutions create:
- Liquidity
- Yield enhancement
- Flexibility for redemptions
Money Market Instruments
Short-term instruments are also used to stabilize returns during interest-rate movements.
Duration Management
Mayfair’s investment team carefully manages the duration of the portfolio to:
- Minimize interest-rate risk
- Capture favorable yield opportunities
- Protect the fund during rising rate cycles
Fund Performance: Yield Trends and Historical Returns
While specific performance figures depend on real-time market conditions, the available fact sheets indicate strong and steady performance consistent with other premium fixed-income funds.
Performance Themes from 2024–2026
Across Mayfair’s reporting:
- The fund has historically delivered steady medium-term returns, generally ranging from 10% to 13%, depending on interest-rate cycles.
- During periods of rising interest rates, yields improved due to reinvestment into higher-yielding government securities.
- During periods of rate stabilization, the fund still delivered consistent returns due to diversified holdings.
Quarterly Yield Behavior
The fund typically shows:
- Strong monthly accrual of interest
- Reliable quarterly distributions
- Low volatility in NAV movement
These characteristics make it ideal for investors who prioritize consistency.
Compounding Advantage
Investors who reinvest their income instead of withdrawing quarterly distributions benefit from long-term compounding — especially across 3–5 years.
Portfolio Allocation: Structure and Weighting
Although specific percentages vary from month to month, Mayfair tends to follow a strategic allocation model typical of high-quality fixed-income funds.
Government Securities
A high weighting toward:
- Treasury bonds
- Treasury bills
This forms the fund’s safety anchor.
Corporate Bonds
Selective exposure to strong corporates supports higher yield without excessive credit risk.
Cash Instruments
A liquidity layer ensures:
- Smooth redemptions
- Tactical deployment
- Protection against sudden market volatility
Diversification Across Tenors
The fund spreads investments across:
- Short-term
- Medium-term
- Long-term
This reduces sensitivity to interest-rate changes.
Risk Profile: Low-to-Moderate Risk
The Mayfair Fixed Income Fund is classified as low-risk relative to equities, but moderate relative to money market funds.
Interest Rate Risk
Managed via duration strategies and active rebalancing.
Credit Risk
Mitigated through:
- High-grade issuers
- Government securities
- Rigorous issuer screening
Liquidity Risk
Addressed by retaining a liquidity buffer in cash and short-tenor deposits.
Market Risk
Minimal due to conservative asset selection.
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Benefits of the Mayfair Fixed Income Fund
1. Stability in an Uncertain Market
The fund provides reliable returns during volatile macroeconomic cycles.
2. Low Minimum Investment
From KES 5,000, it is accessible to everyday investors.
3. Liquidity
Withdraw anytime with short settlement periods.
4. Proven Track Record
Various fact sheets highlight consistent performance.
5. Professional Management
Mayfair’s investment team provides institutional-grade oversight.
6. Capital Preservation
Ideal for investors avoiding unnecessary risk.
Who Should Invest in the Mayfair Fixed Income Fund in 2026?
This fund is ideal for:
Working Professionals
Seeking predictable wealth growth.
SMEs and Corporates
Looking to earn interest on cash reserves.
Parents Planning Education Funds
Needing stability for mid-term school fee planning.
Investors Building Retirement Portfolios
Looking for predictable, low-risk income.
Risk-Averse Investors
Who wants security without sacrificing return potential.
High-Net-Worth Individuals
Seeking a diversification anchor.
How to Join the Mayfair Fixed Income Fund
1. Fill Out the Application Form
Available on Mayfair’s website or through their office.
2. Provide KYC Documents
National ID, KRA PIN, proof of address.
3. Make Initial Deposit
Minimum KES 5,000.
4. Receive Unit Allocation
Units are priced daily.
5. Track Performance
Access statements and fact sheets monthly or quarterly.
FAQs
Is the Mayfair Fixed Income Fund safe?
Yes. The fund is designed as a low-risk vehicle with most assets in government securities and high-quality instruments. While no fund is entirely risk-free, the structure significantly reduces volatility and protects capital during market turbulence.
What returns can I expect in 2026?
Returns depend on market conditions, but historically the fund delivers between 10% and 13% per year. With interest-rate adjustments in 2026, returns may align similarly. Investors should maintain medium-term expectations (1–3+ years) for best results.
Can I withdraw anytime?
Yes. The fund is highly liquid and allows redemptions with short settlement timelines. This makes it flexible for emergency needs or strategic rebalancing.
Is the fund suitable for short-term investing?
Yes, though medium-term investing delivers stronger compounding benefits. For a short-term holding (<1 year), it still performs better than savings accounts.
What does the fund invest in?
The portfolio includes government securities, corporate bonds, fixed deposits, and high-quality cash instruments — all chosen for yield stability and capital protection.
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Conclusion
The Mayfair Fixed Income Fund is designed for one purpose: to give investors confidence, stability, and consistent returns in a world full of financial uncertainty.
Its conservative structure, diversified portfolio, low minimum investment, quarterly income distribution, and strong governance make it one of the most practical fixed-income vehicles in Kenya today.
Whether you’re planning mid-term goals, protecting your savings, or building long-term financial security, the Mayfair Fixed Income Fund offers a disciplined, low-volatility foundation for your wealth.
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