If you already hold a money market fund, a SACCO deposit and perhaps a plot you are waiting on, the question is not “is this better than what I have”. It is narrower and more useful: does a different kind of risk, in a different currency, deserve a small share of the portfolio — and what would have to be true before it did?
Where your money currently sits
Most people in this position are choosing between four familiar places, and each solves a different problem. A money market fund gives you liquidity and a rate that moves with the market. A SACCO gives you a dividend and a relationship you can walk into. Treasury bills give you the sovereign's promise for a fixed term. Land gives you something that cannot be devalued by a fund manager — and produces nothing while you wait.
Reference points
- Money market funds
- Across 2024–25, the daily yields published by several of the larger Kenyan funds ran roughly 12.4%–16.7% gross — about 10%–13% once the 15% withholding tax on unit trust income is taken off. Rates move constantly: the figure that counts is the one your own fund publishes today, not a range quoted on a site like this.
- Treasury bills and bonds
- Rates are set at each auction and published by the Central Bank of Kenya. Check the current auction result directly rather than relying on any figure quoted on a site like this one.
- The shilling
- KES fell about 26.8% against the US dollar during 2023, then recovered about 17.4% during 2024. Both directions are part of the same recent history, and anyone showing you only one of them is selling something.
Sources:
CMA quarterly collective investment scheme reports ·
CBK Treasury bill auctions ·
fund managers' own published yields (for example CIC) ·
withholding tax: KRA rate schedule and the
Income Tax Act.
Figures on this page were last checked on 28 July 2026 and are held in this single block so that they can be
re-checked and corrected as a unit. Everything outside this block is written to stay true as rates move.
Above the fund, below the land
Here is the honest position. Over 23.5 years of testing, the system documented on this site averaged 31.8% a year at its default setting — a higher number than a Kenyan money market fund pays, and a fundamentally different kind of number. A fund's yield is a rate you are quoted in advance; this is an average over more than two decades of history, with 41.7% of days closing negative, months that lose money, and no guarantee that any single year resembles the average. It is not a better version of your MMF. It is a different risk, and it belongs in a different part of the portfolio.
What it does offer is different: it earns in a different currency, it is uncorrelated with local rates and local institutions, and — unlike almost everything else on the list — its entire history can be inspected before you commit a shilling. It belongs above the stable core of a portfolio and below the illiquid part: an allocation of money you have deliberately set aside for risk, not a replacement for savings.
| Money market fund | Land | Rule-based trading software | |
|---|---|---|---|
| Liquidity | Days | Months to years | Positions close in seconds; moving the cash back to your bank takes days |
| Currency of return | KES | KES | Earned against a foreign pair |
| Can you verify it yourself? | Published yield | Valuation is an opinion | Full test record; the live account is public |
| Effort required | None | Ongoing | Setup, then largely unattended |
| Volatility you will see | None visible | None visible | Losses on 41.7% of days; worst month −6.01% in testing |
| What can go wrong | Fund or issuer trouble | Illiquidity, title, no yield | Drawdown, a sharp yen reversal hitting all four pairs at once, broker execution, your own hands |
“Is this another one of those apps?”
It is the right question, and the last few years have earned it. So judge this — and everything else you are offered — on structure rather than on tone:
- Who holds the money? Here, you do. Funds stay in your own trading account in your own name. Any product that asks you to deposit into its account or wallet is a different animal, whatever its returns look like.
- Is the return fixed? Ours is not, and cannot be. A guaranteed weekly or monthly percentage is the single most reliable warning sign in this market — the arithmetic explains why.
- Does growth depend on recruitment? Nobody is paid to bring you here — there is no referral reward attached to this software. If your entry point to an investment was a friend who earns something when you join, look harder.
- Can you audit the record? Every test file is downloadable and the live account is public. You are not being asked to believe a screenshot.
- Is the operator licensed for what they are doing? We are a software developer, not a licensed financial firm — stated plainly here. The broker you trade through is a separate decision: Kenya's Capital Markets Authority publishes a register of licensed firms, and it is worth checking any firm against it yourself.
What would have to be true before this suited you
- You already hold a stable core — savings, a fund, a SACCO — and this would be an addition to it, not a substitute.
- The amount involved is money you have consciously written off in the worst case, and it is at least about ¥200,000 (≈ $1,300). Below that the platform's minimum trade size, not your setting, decides the risk — the measured floor is 12.34% drawdown on a ¥100,000 account.
- A double-digit percentage fall in that amount, at some point, would not change your behaviour.
- You are not looking to become a trader. You want a rule set executed without you.
- You intend to check the evidence yourself rather than take a stranger's word — including ours.
If any of those are not true, the correct answer is to keep your money where it is. The evidence on this site is free either way: the full 23.5-year record, the public live signal of the current system, and a compound calculator you can point at any investment you are considering, not only this one.