This is Money Market Fund performance as at 15th December 2025.
Out of 31 Money Market Funds analyzed, only two managed to deliver a net return above 10% — led by ArvoCap Money Market Fund.
Let that sink in.
The Top 5 Performers
ArvoCap Money Market Fund: 10.16%
Cytonn Money Market Fund: 10.11%
Etica Money Market Fund: 9.90%
Nabo Money Market Fund: 9.88%
Lofty Corban Money Market Fund: 9.41%
Market Context
The average market net return across the 31 MMFs was 7.91%.
The market benchmark — the 91-day Treasury Bill (net) — stood at 6.6%.
What This Means
If your Money Market Fund is performing above the market average or the benchmark, it is within the expected and acceptable range.
Anything below that is underperformance — plain and simple.
Action Time
Now listen.
2026 is here.
Action time.
If you’re part of this tribe and your money is still sitting in a bank account earning almost nothing, you are disappointing us.
Open a Money Market Fund account and let your money give birth to more money.
What You Should Be Saving For
Start intentionally saving for:
Your emergency fund.
Your sinking fund.
Future investment opportunities.
A Simple Structure
I strongly recommend having at least three MMF accounts, each assigned to a specific goal.
Need Help Choosing?
If you’re unsure which one to choose from this list,
WhatsApp me “MMF”, and I’ll recommend the best option for you.
Final Push
Your money deserves to work harder.
Don’t carry it into 2026 unemployed.
Sign-Off
Alex Mwangi | WhatsApp 0703472299
