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CIC Unit Trust Scheme

CIC Wealth Fund

Mixed fund · Regulated by the CMA

A fund approved by the Capital Markets Authority. You buy units in it and a manager invests the money for you.

Hear when this changes

The details that matter for this kind of plan

Approved by
The Capital Markets Authority, inside CIC Unit Trust Scheme
Smallest amount
KES 5,000,000 to start
Yearly charge
Up to 5% of your money
How long you commit
3, 6 or 12 months

How to open this

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

What does it cost you?

Yearly charge on your moneythe fund5% a year
Taken off each payment you makethe money you pay inNothing

What if you stop paying?

Nothing is owed. What you have already put in stays invested.

What if you need the money early?

The manager sets the notice and any charge for leaving. This fund does not publish either.

Who this suits

It could work for you if

You want a manager to invest for you and you have checked what this one charges.

Think twice if

You want the price first. Nothing about the charges or the rate is published here.

What they tell you

  • What do they charge you every year?
    5% a year, taken from the fund.
  • What is taken off the money you pay in?
    Nothing. They state there is no charge here.
  • What is the smallest amount you can start with?
    KES 5,000,000.
  • Do they say who regulates them?
    Yes — the CMA. That is who you complain to.

Talk to them

  • Website: cic.co.ke
  • If something goes wrong, the CMA is who supervises 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.

What has changed here

  • 28 August 2026
    • Somebody read the company's own material only a regulator's listing → researched
    • Yearly charge on your money is now 5% a year, and was not published before
    • Taken off each payment you make is now 0%, and was not published before
    • Smallest top-up is now KES 1,000,000, and was not published before
    • Smallest lump sum to start is now KES 5,000,000, and was not published before

We started keeping this record in August 2026. Anything that changed before then is not here. The whole board's record.

Where we got this