Let’s Be Honest
Why are you still parking your cash in a Money Market Fund and calling yourself an investor? You’re making a modest 8% return, while others are pulling over 20% net, and some even doubling their money in the stock market.
What Should Stay in Your MMF
The only money that should sit in your MMF is your:
- Emergency Fund
- Sinking Fund
Anything beyond that is stagnating.
The Numbers Right Now
If you review the updated MMF returns as of 14th October 2025, you’ll notice only 4 fund managers surpassed the 10% mark. The average across 30 funds is 8.12%, and that’s not impressive. At that rate, it will take you 8.87 years to double your money. That’s too long.
It’s time to move your idle cash into higher-yield opportunities offering 15%+ net returns, without taking reckless risks. But before you jump, make sure the funds you choose are regulated by the Capital Markets Authority (CMA) and managed by credible institutions.
Best-Performing Alternative Funds in the Market Right Now
Moderate-Risk Funds
- Arvocap Asset Managers Ltd Almasi Fixed Income Fund: 25.15% (Last 12 Months)
- Mansa-X Special Fund: 21.37% (Annualized 2025)
- Oak Fund Special Fund: 18.20% (Annualized 2025)
- Kuza Momentum Fund: 36.63% (Annualized 2025)
Higher-Risk, Equity-Based Options
- Arvocap Thamani Equity Fund: 60.18% (Last 12 Months)
- Arvocap Africa Equity Special Fund: 52.26% (Last 12 Months)
Final Word
This isn’t a call to gamble; it’s a call to rethink your portfolio. Don’t let your hard-earned money crawl when it can run. Talk to your financial advisor to rebalance your assets in line with your goals, risk tolerance, and time horizon.
And if you’d like my help reviewing your current allocations and identifying smarter opportunities, WhatsApp me and let’s get it done.
Stop watching the world win while your money sleeps. It’s time to level up your investment game.
Alex Mwangi | WhatsApp: 0703472299
