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Wealth and Investments
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The Unit Trust Fund
This an investment channel that allows one to invest in treasury bills, government bonds, corporate bonds, and shares through funds known as Unit Trust Funds.
Unit Trust funds are regulated by the Capital Markets Authority.
- Cash Withdrawal Facility:This allows you to make regular withdrawals without penalty.
- Professionalism:You do not need to worry what stocks to select or what bonds to buy. You get a professional Fund Manager to do this for you.
- Flexibility: There is no fixed investment period. You can invest for as long as you like. You can make a lump sum investment or have a monthly investment plan.
- Switching: You can switch your investments between the different Unit Trust Funds.
This is a fund that invests in a well-diversified portfolio comprising treasury bills, corporate notes, bank fixed deposits, and bank call deposits.
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How does it work?
This fund is suitable for a corporate or an individual who seeks to grow their capital while ensuring investment risk is contained.
What is in it for you?
- Funds can be accessed within a few days (immediate liquidity).
- This is a low-risk fund and provides return/ yield without penalties.
- Capital stability as the fund rate of return aims to outperform the inflation rate.
- Returns generated from this fund are distributed monthly, and you can elect to reinvest (recommended) to compound and grow your investment faster or payment to your bank account.
- You have the freedom to switch your investment between different funds to maximize your gains
- You can set up a cash flow plan to cater to your regular cash needs
This fund invests in a well-diversified portfolio of shares, bonds, and money market investments.
How does it work?
It’s suitable for investors who have an investment horizon of greater than one year. The fund is suitable for those who have a moderate tolerance for fluctuations of the investment value.
What’s in it for you?
- This fund provides long term capital growth with a total return objective
- The fund offers medium risk
This fund invests in a diversified portfolio of predominantly Kenyan shares designed for long term capital growth through dividends and capital gains from the investments.
How does it work?
This fund is suitable for investors who have an investment horizon of greater than 5 years, seeking superior returns and a higher tolerance for fluctuations of the investment value.
What’s in it for you?
If you have a high-risk appetite and willing to invest in a diversified portfolio of predominantly Kenyan shares designed for long term capital growth through dividends and capital gains from the investments, then this fund is for you.
This is a fund that seeks to have long-term capital growth and periodic income return from a well-diversified portfolio of treasury bonds, corporate notes, fixed and call deposits.
How does it work?
This fund is suitable for individuals with a plan to invest for a period over two years, have a low-risk appetite, and seek a return that is higher than that of a savings account.
What’s in it for you?
The fund provides long-term capital growth and periodic income return from a well-diversified portfolio of Treasury bonds, corporate notes, fixed and call deposits
Typically plan to invest for a period of over two years
Medium to long term lower risk returns
Goal Oriented Personal Savings and Investment
This is a contractual kind of investment which has an inbuilt life cover. It has an investment minimum term of 10 years.
Pension Funds
A pension is a form of insurance that helps one plan for life after retirement and protects against age old poverty. The pension can be defined as a regular payment to an individual during retirement from a pension scheme towards which that individual or their employer had contributed during their working life.
Also known as Individual Pension Plans, are offered by insurance companies. Both employed and self employed people can join individual Pension scheme.
This is an employer sponsored scheme formed to benefit their employees.
The National Social Security Fund (NSSF) provides basic financial security to Kenyans upon retirement. Contribution is compulsory for employers and employees. However, the benefits paid out are often not sufficient to provide for a comfortable retirement.
-The contributions have a 100% Capital guarantee. Retirement benefits schemes managed by insurance companies guarantee that your funds will not be lost. They also guarantee a minimum rate of return.
-Contributions are flexible depending on your financial ability and needs.
-Contributions are easy to make through deductions from your salary, direct debits, mobile money etc.
-The fund earns compound interest. This allows contributions to grow into significant retirement savings over time.
– It gives one the discipline to save and improve financial security in his/her retirement.
– It offers a pooling advantage. Funds from various members are pooled together to form a huge fund that allows a larger scale of investments resulting in higher returns.
FAQ
What are Unit Trusts
Unit trusts offer an easy, convenient way to invest. Simply put, a pool of investors’ money is used to invest in financial instruments such as Fixed deposits, Treasury Bills, Treasury Bonds, Corporate Bonds and Equities (shares). This pool is then divided into equal units where each unit contains the same proportion of assets in the fund. Investors then share in the fund’s gains, losses, income and expenses.
The wide variety of unit trusts means that they are an ideal way to build up a well-diversified investment portfolio tailored to meet your specific needs, risk profile and investment requirements.
What are the benefits of investing in Unit Trusts
- Unit trusts are a cost-effective way to access a share portfolio.
- You get full-time professional management of your money.
- Unit trusts are flexible and transparent. Investors are not tied in and can access their money at any time.
- Unit trusts are one of the most tax-efficient ways of investing (providing tax exemptions on interest income, capital gains tax exemptions).
- Unit trusts continue to offer exciting capital growth opportunities over the medium to long term.