Money Market Fund Kenya-Jubilee l Daily Returns, 48-Hr Withdrawals

Earn Daily Returns on KES Savings with Jubilee Money Market Fund

If your money is sitting in a savings account earning less than inflation, it may be losing value over time. The Jubilee Money Market Fund is a low-risk investment option in Kenya that helps you earn daily returns while keeping your money accessible. You can request a withdrawal within 48 hours, top up anytime, and let professional fund managers invest your money in short-term options. The fund is managed by Jubilee Asset Management, which is licensed by the Capital Markets Authority. The fund invests in:
  • Government Treasury Bills
  • Short-term Treasury Bonds
  • Commercial Paper
  • Fixed Deposits
  • Call Deposits
Why choose the Jubilee Money Market Fund (KES)? When comparing a money market fund vs a savings account in Kenya, many people look for better returns without giving up access to their money. A savings account is good for daily transactions, but a money market fund can help your money work harder by earning daily returns. The Jubilee Money Market Fund is designed for Kenyans who want a low-risk investment, quick withdrawals within 48 hours, and the flexibility to top up from as little as KES 100. Key benefits include:
  • Daily interest accrual
  • Withdrawals within 48 hours
  • Low-risk investment approach
  • Initial investment from KES 100
  • Top ups from KES 100, KES 1,000, KES 5,000 or higher
  • Management by a CMA-licensed fund manager
Who should invest? If you receive a salary bonus, chama payout, business proceeds, school-fees savings, or emergency funds, you can park the money in an MMF while deciding your next move. Instead of leaving the cash idle in a current or savings account, the fund allows your money to earn daily returns while still giving you access through withdrawals within 48 hours. This makes it useful for short-term goals where you want your money to keep working without locking it away for long. It’s suitable for:
  • First time investors
  • Individuals saving for short-term goals
  • Businesses managing cash flow
  • Conservative investors seeking stable returns
  • Anyone looking for a low-risk way to grow money in Kenya
Effective Annual Yield: 10.34% (3-month average): 31st December 2025 to 31st March 2026.  See methodology & charges here: Factsheets.

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FAQs

Money market fund rates in Kenya are not fixed. They change based on prevailing market conditions such as interest rates and government securities yields. To get the most accurate and up-to-date information, please refer to the latest Jubilee Money Market Fund (KES) monthly factsheets, which provides current yields and performance data. These published figures reflect actual fund performance and offer a reliable basis for comparison and decision-making.

The minimum initial investment for the Jubilee Money Market Fund (KES) is KES 100, making it highly accessible for both new and experienced investors. After the initial investment, you can grow your portfolio by making additional contributions as low as KES 100 or higher. This flexible investment structure allows you to invest at your own pace and build savings consistently over time. 

Withdrawals from the Jubilee Money Market Fund (KES) are typically processed within 48 hours after your request is approved. Once processed, funds are transferred directly to your nominated bank account or M-PESA account number, providing a convenient and reliable way to access your money. This allows you to access your funds with ease whenever you need to.

The Jubilee Money Market Fund (KES) is designed to prioritize the safety of your money through a capital preservation strategy. It primarily invests in short-term, high-quality financial instruments in the Kenyan and offshore markets such as government securities and secure commercial papers which offer maximum security to investors. The Fund is regulated by the Capital Markets Authority (CMA) of Kenya, which provides oversight and enforces strict investment guidelines.

Income earned within the Jubilee Money Market Fund (KES) is tax-exempt at the fund level, helping maximize overall returns. However, a 15% withholding tax is applied when income is distributed to investors. This tax is calculated only on the interest earned, not on your initial investment (principal). For example, if your investment earns KES 1,000 in interest, KES 150 is deducted as tax, and KES 850 is paid out. All applicable fees, including the Total Expense Ratio (TER), are transparently disclosed in the Fund’s monthly factsheet.

Yes, you can easily make a top up to your Jubilee Money Market Fund (KES) using M-PESA Paybill: 4103749 and quote your investment account number. Click here to access other methods for funding your MMF account. 

  • Visit the JAMHub self-service portal: https://invest.jubileeinsurance.com/
  • Enter your personal details: Fill in your information accurately as required.
  • Upload your documents: Provide identification and required verification documents.
  • Fund your account: Deposit money via M-PESA or bank transfer. You can start with as little as KES 100.

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