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Etica Capital

Etica Money Market Fund (USD)

Money market fund · Regulated by the CMA

Your dollars are lent out short term. You can start with USD 100 and add USD 50 at a time.

Hear when this changes

What to watch out for

  • The page advertises 6.99% at the top and 6.26% further down, and does not say which applies today.
  • You cannot withdraw at all for the first 30 days.
  • Holding dollars means the shilling exchange rate becomes part of your return, in both directions.
  • Etica Capital is supervised by the Capital Markets Authority.

The details that matter for this kind of plan

Sold in
US dollars, from USD 100
Two different yields
6.99% in the banner, 6.53% lower down the same page
Locked in at first
30 days, and no withdrawal before it ends
Who holds your money
Equity Bank Kenya, with The Co-operative Bank of Kenya as trustee
Fund size
KES 344 million

How to open this

  • Open with USD 100
  • top up from USD 50
  • your money is 3 working days away
  • locked in for 1 months

What does it cost you?

Yearly charge on your moneythe value of the fund, each year2% a year
Taken off each payment you makeyour payments. The initial fee is stated as nilNothing

What if you stop paying?

Nothing happens. There is no set payment to keep up. Your money stays in the fund and keeps earning.

What if you need the money early?

You cannot take anything out in the first 30 days. After that the money reaches you within three working days.

Who this suits

It could work for you if

You hold dollars and want them earning something you can still reach quickly.

Think twice if

You need certainty about the rate. The page shows two different ones.

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?
    Nothing. They state there is no charge here.
  • What does it cost to get out early?
    Nothing. You can take your money out with no penalty.
  • What is the smallest amount you can start with?
    KES 100.
  • How long is your money tied up?
    1 months.
  • Is the advertised return before or after their charges?
    After charges. The number you see is the number you get.
  • Do they say who regulates them?
    Yes — the CMA. That is who you complain to.

Talk to them

  • Website: eticacap.com
  • If something goes wrong, the CMA is who supervises them.

Compared with the others

There are 24 other plans of this kind on the board. See all 25 side by side — what each one leaves you with, and which of them will not say.

How current is this rate?

The 6.53% on this page is the rate Etica Capital quoted, as at 2026-09-28 — current.

Etica shows two different yields for this fund on its own front page, 6.99% and 6.53%. The lower one is used here.

What has changed here

  • 28 September 2026
    • The quoted rate 6.26% a year → 6.53% a year
  • 28 August 2026
    • The quoted rate 6.99% a year → 6.26% a year

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

What the documents actually say

Every figure above was read out of a document. These are the sentences, word for word, so you can check them rather than take our word for it.

Where we got this