3 Mixed fund plans, side by side
Split between shares and loans. Aims to grow faster without the biggest risks.
How this is ordered
Ordered by what you would actually be left with — the same money in, over the same years, with each plan's own charges taken out. Not by the rate each one advertises.
The example: KES 5,000 a month for 5 years.
| Plan | Rate they quote | Charges take | You'd end up with | Won't say |
|---|---|---|---|---|
| Old Mutual Balanced FundOld Mutual Investment Group | 35.1% last declared | KES 51,021 | KES 816,302 | 2B |
| CIC Balanced FundCIC Asset Management | 24.17% last declared | KES 29,320 | KES 538,048 | 3B |
One that cannot be placed
These do not publish enough for the example to be worked out. That is not a reason to leave them off the page.
| Plan | Rate they quote | Charges take | You'd end up with | Won't say |
|---|---|---|---|---|
| ICEA LION Balanced FundICEA LION Asset ManagementThey do not publish how much of each payment they keep before anything is saved for you, and they do not publish any growth rate you could work with. | not disclosed | not disclosed | not disclosed | 6D |
- · CIC Balanced Fund: before charges. What the fund returned over the year to December 2025, from its own fact sheet, which notes the return is gross of fees; 18.81% a year over three years and 11.52% over five. Its benchmark did 31.01% in the same year. Two-thirds of the fund sat in cash and government paper at the time.
- · Old Mutual Balanced Fund: after charges. The "last 1 year net yield" to September 2025 on Old Mutual's own fact sheet — the latest published when read in August 2026. The fund was roughly half shares and half bonds and cash at the time.
Grades measure how openly a company explains its charges, not whether a plan is good. How we work them out.