Money market funds (MMFs) remain one of the safest and most profitable investment options for Kenyan investors in 2025. With high liquidity, low risk, and competitive returns, MMFs continue to attract savers looking to grow their money without risking their capital.
Table of Contents:
Top 20 Money Market Funds in Kenya 2025
| Rank | Fund Manager | Annual Rate (%) | Net Return (%) |
|---|---|---|---|
| 1 | Cytonn Money Market Fund | 15.58 | 13.24 |
| 2 | GulfCap Money Market Fund | 14.80 | 12.58 |
| 3 | Kuza Money Market Fund | 14.15 | 12.03 |
| 4 | Etica Money Market Fund | 14.06 | 11.95 |
| 5 | Lofty Corban Money Market Fund | 13.99 | 11.89 |
| 6 | ArvoCap Money Market Fund | 13.19 | 11.21 |
| 7 | Ndovu Money Market Fund | 13.06 | 11.10 |
| 8 | Enwealth Money Market Fund | 12.86 | 10.93 |
| 9 | Orient Money Market Fund | 12.67 | 10.77 |
| 10 | Old Mutual Money Market Fund | 12.50 | 10.63 |
| 11 | Britam Money Market Fund | 12.48 | 10.61 |
| 12 | Madison Money Market Fund | 12.43 | 10.57 |
| 13 | Apollo Money Market Fund | 12.40 | 10.54 |
| 14 | Dry Associates Money Market Fund | 12.27 | 10.43 |
| 15 | Gen Africa Money Market Fund | 12.05 | 10.24 |
| 16 | Gencap Money Market Fund | 11.88 | 10.10 |
| 17 | Sanlam Money Market Fund | 11.88 | 10.10 |
| 18 | I&M Money Market Fund | 11.87 | 10.09 |
| 19 | Nabo Money Market Fund | 11.76 | 10.00 |
| 20 | Faulu Money Market Fund | 11.71 | 9.95 |
Featured Image
Image: Top-performing Money Market Funds in Kenya in 2025. Source: Fund Managers Reports
Key Insights
- Top Performer: Cytonn Money Market Fund tops the list with a 15.58% annual rate and a 13.24% net return.
- Strong Competition: GulfCap and Kuza closely follow, proving competitive returns of 12.58% and 12.03% respectively.
- Average Return: Across all funds, the average net return is 10.05%, showing healthy yields across the sector.
- Better than Treasury Bills: With the 91-day Treasury Bill offering only 7.5%, MMFs clearly offer better value.
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Things to Consider Before Investing
- Net Return over Annual Rate: Always prioritize net returns as they reflect actual earnings after fees and taxes.
- Fund Manager’s Track Record: Opt for reputable managers like Cytonn, GulfCap, and Kuza with proven performance.
- Liquidity: Ensure the fund allows fast withdrawals, ideally within 24-48 hours.
- Expense Ratios: Low management fees often mean higher returns for you.
Why Choose Money Market Funds?
- Low Risk: Funds invest in secure financial instruments like Treasury Bills and commercial papers.
- Flexibility: Enjoy easy access to your money whenever needed.
- Diversification: Reduce risk through pooled investment across many instruments.
- Professional Management: Your money is handled by experts trained to maximize returns.
