PesaGuide
← All plans
Etica Capital

Etica Special Multi-Asset Fund (KES)

Special fund · Regulated by the CMA

Grows at
22.13% a year
after their charges

Your money is spread across shares, bonds and other assets. It aims to grow over years. It can rise and fall.

Hear when this changes

What it has actually paid

  • Q2 202622.13%

After the company's charges, where it publishes both. Past periods are not a promise about future ones.

What to watch out for

  • The charges add up to 5.40% a year, more than double any money market fund on this board.
  • The management fee is "up to" 5%. That means it can be less, and Etica does not say what it is today.
  • Your money is locked in for the first 6 months.
  • The 22.13% figure is for one quarter of a fund that started in November 2025. It is not a track record.
  • The fund measures itself against a mix of the NSE All Share index, 5-year bond yields and Treasury bill rates.
  • Etica Capital is supervised by the Capital Markets Authority.
Try your own numbers
How

If you put in KES 250,000 once, for 5 years

You pay in
KES 250,000
Charges take
KES 114,674
You'd end up with
KES 748,358
If you stop after 2 years instead

You would have paid in KES 250,000 and get back KES 387,621.

  • · Based on putting in KES 250,000 once and leaving it for 5 years — the smallest way into this one.
  • · Their yearly charge is already taken out of the rate they advertise.
  • · 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

Every charge
Up to 5.40% a year
Who holds your money
Equity Bank Kenya, with The Co-operative Bank of Kenya as trustee
How long it has existed
Since November 2025
When interest is added
Every three months
Every charge, itemised
Up to 5% management, 0.25% trustee, 0.15% custodial

How to open this

  • Open with KES 250,000
  • top up from KES 100,000
  • locked in for 6 months

What does it cost you?

Yearly charge on your moneythe value of the fund, each year5% a year
Paid to the trustee or custodian who holds the moneythe value of the fund, each year0.25% a year
Paid to the bank that holds the moneythe value of the fund, each year0.15% a year
Taken off each payment you makeyour payments. The initial fee is stated as nilNothing
Charge for taking money outyour withdrawals. The exit fee is stated as nilNothing

What if you stop paying?

Nothing happens. There is no set payment to keep up. What you have put in stays invested.

What if you need the money early?

You cannot touch it for the first 6 months. After that there is no exit fee. The fund does not say how long the money takes to reach you.

Who this suits

It could work for you if

You have KES 250,000 spare, you can leave it for years, and you want every charge listed.

Think twice if

You want a long track record. This fund has traded since November 2025.

What they tell you

  • What do they charge you every year?
    5% 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 250,000.
  • How long is your money tied up?
    6 months.
  • Is the advertised return before or after their charges?
    After charges. The number you see is the number you get.
  • Are all their charges published?
    Yes, every charge they mention has a figure against it.
  • 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 6 other plans of this kind on the board. See all 7 side by side — what each one leaves you with, and which of them will not say.

How current is this rate?

The 22.13% on this page is the rate Etica Capital quoted, as at 2026-06-30 — 4 months old.

your investmen.

Where we got this