Chikavu Investments

23/04/2026

Money market Fund and Fixed income Fund - Shirt term and Long Term 👍

Fixed Income Funds vs Money Market Funds ➖ Should You Move Your Money?

They are like twin sisters—similar at a glance, but fundamentally different where it matters most:

➖Where They Invest and The Returns They Deliver.

Here’s the reality:

🔹 Money Market Funds (MMFs) invest in short-term instruments like Treasury Bills, commercial papers, and fixed deposits.

🔹 Fixed Income Funds (FIFs) focus on long-term government and corporate bonds.
That difference changes everything.

MMFs are highly sensitive to short-term interest rate movements.

When CBK rates shift, MMF returns react almost immediately.

FIFs, on the other hand, are built for stability and long-term growth.

They are less affected by short-term disruptions because they are anchored on long-term securities.

Now let’s simplify it:

👉 MMFs = Short-term strategy

👉 FIFs = Medium to long-term strategy

What Each Fund Does Best

✅ Money Market Fund (MMF):

🔹 High liquidity

🔹 Capital preservation

🔹 Better returns than bank deposits

Use it for:

✔️ Emergency Fund

✔️ Sinking Fund

✔️ Investment Opportunity Fund

✅ Fixed Income Fund (FIF):

🔸 Long-term capital growth

🔸 Stable and predictable income

🔸 Designed to beat inflation over time

Use it for:

✔️ School fees planning

✔️Home projects

✔️ Retirement

✔️Passive income portfolio

Let’s Talk Numbers (Reality Check)

Let’s compare two strong funds:

🔹 Arvocap Almasi Fixed Income Fund

One of the top-performing funds in the market.

📈 12-month return: 21.60% (gross)

If you invest Ksh 1,000,000:

✔️ Gross return: Ksh 216,000

✔️Net return: Ksh 183,600

🔹 Etica Money Market Fund

A strong MMF with competitive returns.

📈 Average return: ~11% (gross)

If you invest Ksh 1,000,000:

✔️Gross return: Ksh 115,719

✔️ Net return: Ksh 98,361

Same money. Different strategy. Massive difference in outcome.

This is not about which fund is better.

It is about which fund fits your goal.

Here Is Your Smart Move:

Stop mixing roles.

Don’t use an MMF for long-term wealth building.

And don’t lock short-term money in long-term funds.

Structure your portfolio with intention.

That’s how wealth is built.

📲 If you want to get started the right way:

WhatsApp me “BEST MMF” or “BEST FIF” on 0703472299

I’ll help you align your money with the right strategy.

➿➿
➖Alex Mwangi |The Cent Warrior|📲 WhatsApp 0703472299

Below are the latest Fixed Income Fund returns as at 21st April 2026. 👇

23/04/2026

Pension Funds : Choose Good

He Lost Ksh 60.8 Million By Choosing The Wrong Pension Fund For His Retirement!

Being in a pension fund is one thing.

But getting the best value for your money is a completely different game.

Most of you are stuck in pension funds delivering painfully low returns, yet you are comfortably waiting for a “magical” retirement.

Let me be blunt,

➖Nothing magical is coming.

You will keep losing quietly until you become intentional about where your money is invested.

What you need is sustainable, long-term returns.

Let me show you why this matters.

Meet two gentlemen: Alex and Steve.

Both are 30 years old and determined to retire rich at 60.

They each commit to 30 years of discipline and sacrifice.

But they make one different decision.

👉 Alex chooses a pension fund giving 12% net return

👉 Steve settles for a fund giving 8% net return

Both contribute Ksh 30,000 monthly.

Here is how their futures unfold:

ALEX:

🔹 Age: 30 years

🔹 Retirement: 60 years

🔹 Monthly Contribution: Ksh 30,000

🔹 Total Contribution: Ksh 10,800,000

🔹 Interest Earned: Ksh 95,097,413

🔹 Total Fund Value: Ksh 105,897,413

STEVE:

🔸 Age: 30 years

🔸 Retirement: 60 years

🔸 Monthly Contribution: Ksh 30,000

🔸 Total Contribution: Ksh 10,800,000

🔸 Interest Earned: Ksh 34,208,855

🔸 Total Fund Value: Ksh 45,008,855

Take a moment and process this…

✔️ That is a difference of Ksh 60,888,557.

Same income.

Same discipline.

Same contribution.

But completely different outcomes.

Why?

👉 One decision — Their Choice Of Pension Fund.

This is exactly what I keep emphasizing in my Wealth Masterplan,

➖It’s Not How Much You Earn, But How Well You Structure And Grow It.

Your retirement is not a place for guesswork.

If you are sitting in a low-yield pension fund, you are not “safe”

You are slowly losing your future.

Now, here is what you need to do:

✔ Review your current pension performance

✔ Compare it with high-performing funds

✔ Make a strategic switch if necessary

And yes—you don’t have to figure this out alone.

📲 WhatsApp me “BEST PENSION FUND” on 0703472299

I will help you identify a high-performing fund and guide you through the transfer process.

Do not settle.

Be intentional.

Be strategic.

Because when it comes to retirement…

Time Is Either Your Greatest Asset — Or Your Biggest Regret.

➿➿
➖Alex Mwangi |The Cent Warrior|📲 WhatsApp 0703472299

13/03/2026

06/03/2026

AKI 2026 Customer First 🥇 Awards

06/03/2026

Bima up for everyone Agents, Clients, Investors

Bima Yangu App; AKI's All-in-One Insurance Solution! 📲💡
✅ Motor insurance claims
✅ Motor insurance verification
✅ Life insurance verification

Download the Bima Yangu App on Android or iOS and enjoy easy access to AKI's comprehensive insurance solutions.

Google Playstore >> https://play.google.com/store/apps/details?id=com.aki.claimreporting

Apple App Store >> https://apps.apple.com/ke/app/bima-yangu/id6450423285

06/01/2026

New year 2026 🎊 Invest in Money Market Funds, Min invest 5000/= Deposits + Withdrawals, Interest at 10%+ Follow link

06/01/2026

MMF Jubilee

06/01/2026

Chikavu Investments https://www.facebook.com/share/p/1DTmZgna92/

In 2025, Mansa-X Special Fund KES delivered a return of 20.74% Net of Fees. This is the highest return on investment since the fund's inception in 2019, underlining its commitment to genuine diversification for stable performance.

We thank our investors for their continued trust in Standard Investment Bank, and look forward to a more productive 2026.

Looking to invest in Mansa-X? Sign up here: https://sib.co.ke/mansa-x

18/11/2025

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