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CIC Asset Management

CIC Balanced Fund

Mixed fund · Regulated by the CMA

Grows at
21.35% a year
after their charges

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.

Hear when this changes

What to watch out for

  • 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.
Try your own numbers
How

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.

They do not publish what you would get back if you stopped early.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 year
24.17% to December 2025, before fees; 11.52% a year over five
What it holds
62% bank deposits, 28% government bonds, 9% shares
Risk
Moderate, by the fact sheet's own label
Pays out
Quarterly
Fund size
KES 310.1 million

How to open this

  • Open with KES 5,000
  • top up from KES 1,000

What does it cost you?

Taken off each payment you makeevery payment, before it is invested2.25%
Yearly charge on your moneythe value of the fund, each year2% a year

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.

What they tell you

  • 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 is the smallest amount you can start with?
    KES 5,000.
  • 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 say who regulates them?
    Yes — the CMA. That is who you complain to.

Talk to them

Compared with the others

There are 11 other plans of this kind on the board. See all 12 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 — 10 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