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Standard Investment Bank

Mansa-X Special Fund (KES)

Special fund · Regulated by the CMA

What is this?

Your money is traded on world markets. It buys shares, gold, currencies and other bets, in New York, London and Hong Kong. It can rise and fall.

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

You pay in
KES 250,000
Charges take
KES 102,107
You'd end up with
KES 614,729
If you stop after 2 years instead

You would have paid in KES 250,000 and get back KES 358,292.

  • · 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

Yearly charge5%, plus 10% above a 25% return
Extra charge when it does well10% of anything above a 25% return
What it invests inCurrencies, precious metals, commodities, stock indices, single stocks and derivatives, on exchanges in New York, London, Frankfurt and Hong Kong
How big the fund isKES 107.35 billion at the end of 2025
Who holds your moneyI&M Bank, with Kingsland Court Trustees as trustee

What does it cost you?

Yearly charge on your money5% a year
Extra charge when the fund does well10%
Taken off each payment you makeNothing
Charge for taking money outNothing

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 charge, and the money takes two or three days 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 accept it may fall.

Think twice if

You may need the money soon, or a 5% yearly charge is more than you want to pay.

How openly does this company explain its charges?

ATells you what it costs14 of 14 answered
  • What do they charge you every year?
    5% a year, taken from the value of your holding, worked out daily across the 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.
  • 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?
    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.

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

  • · The 5% yearly charge is more than double what any money market fund on this board charges.
  • · On top of that, 10% of any return above 25% in a year goes to the manager.
  • · Your money is locked in for the first 6 months.
  • · The fund uses derivatives and foreign markets. It can lose money, unlike a money market fund.
  • · Standard Investment Bank prints "past performance is no guarantee of future performance" beside its growth chart.
  • · The fund is supervised by the Capital Markets Authority.

Talk to them

  • Website: sib.co.ke
  • If something goes wrong, the CMA is who supervises 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 18.13% on this page is the rate Standard Investment Bank last declared, as at 2025-12-31 — 8 months old.

Standard Investment Bank states an average net return of 18.13% a year since the fund started in January 2019, after its charges. Its 2025 fact sheet shows KES 1,000,000 put in on 31 January 2019 growing to KES 3,431,672 by 31 December 2025, after fees. Past years are not a promise about future ones, and the fund says so..

Where we got this