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Standard Investment Bank

Mansa-X Special Fund (USD)

Special fund · Regulated by the CMA

The dollar version of the same fund. Your money is traded on world markets and held in US dollars, so it also moves with the shilling.

Hear when this changes

What it has actually paid

Year by year
  • 2022 (annualised)10.08%
  • 202312.1%
  • 202412.5%
  • 202513.37%

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

The last few quarters
  • Q3 20243.12%
  • Q4 20242.97%
  • Q1 20253.14%
  • Q2 20253.47%
  • Q3 20253.52%
  • Q4 20253.24%
  • Q1 20262.88%
  • Q2 20263.56%

After the company's charges. Past periods are not a promise about future ones.

What to watch out for

  • The manager takes 10% of any return above 15% a year. On the shilling fund that only starts at 25%.
  • The 5% yearly charge is the same on both.
  • Holding dollars means the shilling exchange rate becomes part of your return, in both directions.
  • Your money is locked in for the first 6 months.
  • Standard Investment Bank is supervised by the Capital Markets Authority.

The details that matter for this kind of plan

Yearly charge
5%, plus 10% above a 15% return
Sold in
US dollars
How big the fund is
USD 158.70 million at the end of June 2026
Trading since
October 2022
Who holds your money
I&M Bank, with Kingsland Court Trustees as trustee
Fund size
KES 12.7 billion

How to open this

  • Open with USD 2,500
  • top up from USD 1,000
  • your money is 3 working days away
  • locked in for 6 months

What does it cost you?

Yearly charge on your moneythe value of your holding, worked out daily across the year5% a year
Extra charge when the fund does wellanything the fund earns above a 15% return in the year10%
Taken off each payment you makeyour payments. The initial fee is stated as 0%Nothing
Charge for taking money outyour withdrawals. The redemption fee is stated as 0%Nothing

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 dollars to invest, or you want to hold some savings outside the shilling.

Think twice if

You earn and spend in shillings. The exchange rate can move against you as well as for you.

What they tell you

  • 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 2,500.
  • 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.
  • 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: sib.co.ke
  • 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 12.51% on this page is the rate Standard Investment Bank last declared, as at 2026-06-30 — 4 months old.

Standard Investment Bank states an average net return of 12.51% a year since the dollar fund started in October 2022, after its charges. Its Q2 2026 fact sheet shows USD 10,000 put in on 9 November 2022 growing to USD 16,158.19 by 30 June 2026, after fees. This fund is priced in dollars, so it is not put through the shilling example the rest of the board is compared on.

What has changed here

  • 28 August 2026
    • The historical rate is now 12.51% a year, 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