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CIC Asset Management

CIC Balanced Fund

Mixed fund · Regulated by the CMA

What is this?

A fund that mixes bank deposits, government bonds and a few shares. You start from KES 5,000. CIC takes 2.25% off each payment and 2% a year. It returned 24.2% before fees in 2025.

If you put in KES 5,000 a month for 5 years

You pay in
KES 300,000
Charges take
KES 29,320
You'd end up with
KES 538,048
If you stop after 2 years instead

You would have paid in KES 120,000 and get back not disclosed.

They do not publish what you would get back if you stopped early. You would have to ask them.

  • · Based on paying KES 5,000 a month for 5 years.
  • · The value goes up and down. This is not a promise.
  • · Worked out from the company's own published figures.

The details that matter for this kind of plan

Last year24.17% to December 2025, before fees; 11.52% a year over five
What it holds62% bank deposits, 28% government bonds, 9% shares
RiskModerate, by the fact sheet's own label
Pays outQuarterly

What does it cost you?

Taken off each payment you make2.25%
Yearly charge on your money2% a year
Charge for taking money outnot disclosed
  • · The fact sheet lists an initial fee and a management fee and nothing on withdrawal.

What if you stop paying?

Nothing happens. There is no plan to keep up; top-ups are KES 1,000 when you choose.

What if you need the money early?

No lock-in or exit charge is stated. The value moves with bonds and shares, so it can fall.

Who this suits

It could work for you if

You want more than a money market fund and less risk than shares alone.

Think twice if

You want every shilling working from day one. 2.25% comes off before it is invested.

How openly does this company explain its charges?

BTells you most of it10 of 13 answered
  • What do they charge you every year?
    2% a year, taken from the value of the fund, each year.
  • What is taken off the money you pay in?
    2.25%, taken from every payment, before it is invested.
  • What does it cost to get out early?
    No exit penalty is printed in the sources we checked.
  • What is the smallest amount you can start with?
    KES 5,000.
  • How long is your money tied up?
    They do not say how long you are tied in.
  • Is the advertised return before or after their charges?
    Before charges. Their fees still come off this.
  • Do they warn you the return is not guaranteed?
    Yes, the warning is there.
  • Do they tell you what you get back if you stop early?
    You get whatever your money is worth on the day. There is no schedule.
  • Do they list what is not covered?
    This is not insurance, so there is nothing to exclude.
  • Are all their charges published?
    No. 1 charge is mentioned without a figure.
  • Do they say who regulates them?
    Yes — the CMA. That is who you complain to.

This grades how openly things are explained, not whether the plan is good or bad. See how we work it out.

Things to know before you sign

  • · 2.25% comes off every payment before it is invested, and 2% a year after that. The sheet says its returns are gross of fees.
  • · The December 2025 sheet is the latest CIC had published when read in August 2026.
  • · CIC Asset Management states on the sheet that it is regulated by the Capital Markets Authority.

Talk to them

Compared with the others

There are 2 other plans of this kind on the board. See all 3 side by side — what each one leaves you with, and which of them will not say.

How current is this rate?

The 24.17% on this page is the rate CIC Asset Management last declared, as at 2025-12-31 — 8 months old.

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..

Where we got this