3 Bond fund plans, side by side
Your money is lent to the government or big companies for a fixed return.
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.
One that takes a lump sum
These publish no monthly minimum, so the example is the smallest single deposit they accept, left for the same five years. The amounts going in differ, so these are not ranked against the table above.
| Plan | Rate they quote | You put in once | You'd end up with | Won't say |
|---|---|---|---|---|
| CIC Fixed Income FundCIC Asset Management | 10.2% quoted now | KES 1,000,000 | KES 1,503,448 | 4C |
2 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These do not publish enough for the example to be worked out.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 |
|---|---|---|---|---|
| Britam Bond Plus FundBritam Asset ManagersThey do not publish how much of each payment they keep before anything is saved for you. | 13.73% quoted now | not disclosed | not disclosed | 3B |
| ICEA LION Fixed Income FundICEA LION Asset ManagementThey do not publish how much of each payment they keep before anything is saved for you, and they do not publish any growth rate you could work with.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 |
- · Britam Bond Plus Fund: after charges. The effective annual yield for January to August 2024, which is what the page still shows in August 2026 — stated net of fees and before withholding tax. Britam says the current daily yield goes out by email and in the newspapers; it does not put it on the page.
- · CIC Fixed Income Fund: does not say whether that is before or after charges. The fund's yield for June 2026 on its own fact sheet; it averaged 10.54% over 2025 and 10.04% so far in 2026, each a little under its benchmark. Over the year to June 2026 the fund returned 20.50% against 10.03% for the benchmark. The sheet does not say whether the yield is before or after the 2% fee.
Grades measure how openly a company explains its charges, not whether a plan is good. How we work them out.