If you are searching for a safe and flexible way to earn consistent returns above ordinary bank savings, the Genghis Money Market Fund (Hela Imara) offers a practical solution.
It is a regulated collective investment scheme managed by Genghis Capital Limited, a licensed investment bank under the Capital Markets Authority (CMA).
By pooling investor contributions and placing them in short-term interest-earning instruments such as Treasury Bills, commercial papers, and fixed deposits, the fund provides daily growth, monthly payouts, and full liquidity.
As of June 2025, the fund’s Assets Under Management (AUM) stood at approximately Ksh 593.8 million according to the CMA Collective Investment Schemes Report (Q2 2025). This positions Genghis MMF among Kenya’s actively managed and fully compliant unit trust funds.
About Genghis Capital
Founded in 2008, Genghis Capital Limited is a fully licensed investment bank offering asset management, corporate finance, and research services. Its mission is to help investors build wealth confidently through professional management and technology-driven access.
Under its Unit Trust platform, Genghis manages several retail and institutional funds, including:
- Hela Imara Money Market Fund
- GenCap Hazina Bond Fund
- GenCap Hisa Equities Fund
- GenCap Eneza Diversified Fund
- GenCap Hela Money Market Fund (legacy)
The Hela Imara Money Market Fund remains the flagship product, designed for investors seeking short-term stability, consistent yield, and immediate access to their money.
Key Facts at a Glance
| Feature | Details |
| Fund name | Genghis Money Market Fund (Hela Imara) |
| Fund manager | Genghis Capital Ltd (CMA-licensed) |
| Regulator | Capital Markets Authority (CMA), Kenya |
| Fund type | Money Market Fund |
| Assets Under Management (AUM) | Ksh 593.8 million (Q2 2025 CMA Report) |
| Minimum initial investment | Ksh 500 |
| Minimum top-up | Ksh 500 |
| Interest accrual | Earned daily and credited monthly |
| Published rate | Daily rate shown net of fees but gross of withholding tax |
| Liquidity | Withdrawals processed on business days (via G-Kuze App) |
| Investment channels | G-Kuze mobile app or Genghis client portal |
| Contact | info@genghis-capital.com |
How the Fund Works
The Genghis Money Market Fund operates under the Collective Investment Schemes Regulations, pooling investor funds and allocating them to short-term, low-risk securities to earn stable returns while preserving capital.
Typical Portfolio Mix (Q2 2025)
| Asset Class | Allocation (%) | Purpose |
| Fixed Deposits | 59 % | Placed in top-tier banks for secure interest income |
| Government Securities (T-Bills/Bonds) | 16 % | Risk-free instruments issued by the Government of Kenya |
| Cash & Demand Deposits | 17 % | Ensures daily liquidity for withdrawals |
| Unlisted Securities & Commercial Paper | 5 % | Short-term corporate placements for enhanced yield |
| Listed Securities | 3 % | Short-duration money-market instruments |
(Source: CMA Q2 2025 Table 18)
This mix provides a conservative, diversified, and highly liquid portfolio—an ideal structure for investors who prioritise stability.
Who Should Invest in Hela Imara
The fund suits anyone seeking reliable, low-risk growth:
- First-time investors building confidence in managed funds
- Salaried professionals developing an emergency or sinking fund
- Entrepreneurs and SMEs managing cash reserves
- Parents saving toward school fees or short-term projects
- Organisations and SACCOs optimising liquidity management
If you want your money to earn interest daily while remaining accessible, Hela Imara fits seamlessly into your plan.
Performance and Returns
Genghis Capital publishes a daily Hela Imara rate on its website and G-Kuze App. The rate is presented net of management fees but gross of withholding tax.
Average performance has tracked the broader market closely:
| Year | Average Effective Annual Yield (EAY) | Kenya Market Average |
| 2023 | 9.2 % | 8.9 % |
| 2024 | 10.7 % | 10.3 % |
| 2025 (YTD June) | ≈ 11.3 % | ≈ 11.1 % |
Yields may fluctuate with interest-rate cycles, but Genghis MMF has maintained competitive and consistent returns throughout.
How to Invest
1. Open an Account
Visit the Genghis Money Market Fund page or download G-Kuze.
2. Complete KYC
Provide your ID/Passport, KRA PIN, and bank details.
3. Deposit
Start with Ksh 500 and top up any amount from Ksh 500 thereafter.
4. Track and Earn
Interest accrues daily and compounds monthly. Reinvest automatically or withdraw whenever needed.
Withdrawals are processed on business days; timelines may vary slightly by channel and cut-off time.
Why Investors Choose Genghis MMF
1. Low Entry Point
Start or top up from only Ksh 500, making investing accessible to everyone.
2. Daily Growth and Monthly Credit
Interest is calculated daily and credited monthly, maximising compounding.
3. Regulated and Secure
The fund is fully licensed by the CMA and independently audited, ensuring compliance and investor safety.
4. Flexible Liquidity
Funds are available whenever needed, with no lock-in periods.
5. Consistent Performance
Stable yields and prudent management make it a reliable cash-management tool for both individuals and institutions.
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Comparison Snapshot (June 2025)
| Fund Manager | EAY (%) | AUM (Ksh) | Minimum Investment (Ksh) | Withdrawal Time |
| Sanlam MMF | 12.3 | 92.7 B | 2 500 | 2 days |
| CIC MMF | 11.8 | 87.8 B | 5 000 | 2 days |
| Britam MMF | 11.0 | 12.8 B | 1 000 | 3 days |
| Etica MMF | 11.4 | 10.5 B | 500 | 1 day |
| Nabo MMF | 11.2 | 4.1 B | 1 000 | 2 days |
| Genghis MMF (Hela Imara) | *11.3 * | 0.59 B | 500 | Business-day processing |
| Taifa MMF | 10.9 | 0.14 B | 500 | 2 days |
Genghis MMF’s combination of moderate yield, low entry cost, and efficient liquidity makes it a compelling option within Kenya’s mid-tier funds.
Risks to Consider
While money-market funds are low-risk, investors should note:
- Interest Rate Risk – Falling market rates can reduce yields.
- Inflation Risk – High inflation may erode real returns.
- Credit Risk – A borrower default could impact returns (though rare and carefully managed).
- Liquidity Risk – Heavy redemptions could slow payouts temporarily.
Genghis Capital mitigates these through diversification, strict credit assessment, and active portfolio monitoring.
How Hela Imara Fits into a Financial Plan
| Goal | Time Frame | How the Fund Helps |
| Emergency Fund | 3–6 months | Safe and liquid for unexpected expenses |
| Sinking Fund | 3–12 months | Earn returns while saving for short-term projects |
| School Fees Buffer | 6–12 months | Grows cash while waiting for next term |
| Business Reserve | Ongoing | Earns daily interest on idle cash |
| Parking Idle Funds | Short term | Hold money while waiting for new opportunities |
Hela Imara acts as the stability anchor in a well-structured personal finance plan — a balance between safety and growth.
Genghis MMF vs Bank Savings Account
| Feature | Genghis MMF (Hela Imara) | Typical Bank Savings Account |
| Average Annual Yield (2025) | ≈ 11.3 % | 2–3 % |
| Liquidity | 1–3 business days | Instant |
| Risk Level | Very low | Very low |
| Minimum Deposit | Ksh 500 | Ksh 500–1 000 |
| Interest Calculation | Daily, compounded | Monthly |
| Access Channel | G-Kuze App / Online Portal | Bank branch or App |
| Tax on Interest | 15 % withholding | 15 % withholding |
Money market funds clearly outperform savings accounts in returns and compounding potential while maintaining safety.
Does Fund Size Matter?
At Ksh 593.8 million in AUM, Genghis MMF is smaller than industry giants like Sanlam or CIC, but size is not the sole measure of performance.
Smaller funds can react faster to market rate movements and offer more personalised investor support. What matters is transparency, risk discipline, and consistency — qualities Genghis Capital has demonstrated since its inception.
Before You Go!
Frequently Asked Questions
1. What is the minimum investment in the Genghis Money Market Fund?
The minimum initial deposit and top-up for the Genghis Money Market Fund (Hela Imara) is Ksh 500. This makes it accessible to both beginner and seasoned investors who want to start small and grow steadily.
2. How do withdrawals work in the Genghis Money Market Fund?
Withdrawals are made through the G-Kuze App or Genghis client portal. Funds are typically remitted to your bank account within business days, depending on processing times and request cut-off periods.
3. Is the Genghis Money Market Fund safe?
Yes. The fund invests primarily in low-risk assets such as Treasury Bills, fixed deposits, and commercial papers issued by top-rated institutions. It is regulated by the Capital Markets Authority (CMA) and audited independently to ensure investor protection.
4. How often does the Genghis Money Market Fund pay interest?
Interest accrues daily and is credited monthly into your investment account. You can choose to withdraw your returns or reinvest them for compounding growth.
5. Can businesses invest in the Genghis Money Market Fund?
Yes. Many SMEs, corporates, and SACCOs use the fund to manage short-term liquidity. It allows them to earn interest on idle cash while maintaining quick access to funds for operational needs.
Conclusion
The Genghis Money Market Fund (Hela Imara) is a prudent blend of safety, liquidity, and competitive returns.
It is not designed for speculation but for consistent wealth preservation and cash-flow growth.
With its low Ksh 500 entry, digital access through G-Kuze, and daily interest compounding, it provides an efficient platform for disciplined savers and businesses seeking stability.
For investors who value security, convenience, and measurable progress, Hela Imara remains a dependable option in Kenya’s fast-evolving money-market landscape.
