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Old Mutual Investment Group

Old Mutual Balanced Fund

Mixed fund · Regulated by the CMA

Grows at
11.5% a year
after their charges

A fund that splits your money between shares, bonds and cash, from KES 5,000 with top-ups from KES 1,000. No entry fee; 3.37% a year plus VAT. It returned 35.1% net in the year to September 2025.

Hear when this changes

What it has actually paid

  • 202511.5%

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

What to watch out for

  • No initial fee. A service fee of 3.37% a year plus VAT, from the September 2025 fact sheet — the latest published when read in August 2026.
  • Withdrawals are paid the next working day; KES 480 minimum; up to KES 250,000 a day by mobile money.
  • The terms and conditions are approved by, and fee changes need the approval of, the Capital Markets Authority.
Try your own numbers
How

If you put in KES 5,000 a month for 5 years

You pay in
KES 300,000
Charges take
KES 31,593
You'd end up with
KES 406,786
If you stop after 2 years instead

You would have paid in KES 120,000.

They do not publish what you would get back if you stopped early. You would have to ask them.

  • · Based on paying KES 5,000 a month for 5 years.
  • · 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

Last year
35.1% net to September 2025, the latest sheet published
Getting out
Next working day; KES 480 minimum
Risk
Moderate, by the sheet's own label
By phone
Dial *480# to open and top up
Fund size
KES 277 million

How to open this

  • Open with KES 5,000
  • top up from KES 1,000
  • your money is 1 working days away

What does it cost you?

Yearly charge on your moneythe value of the fund, each year, plus VAT3.37% a year
Taken off each payment you makeyour payments. The terms say no initial fees are charged on unit trust accountsNothing

What if you stop paying?

Nothing happens. There is no plan to keep up.

What if you need the money early?

No lock-in. Withdrawals of KES 480 or more are paid the next working day. The value can fall.

Who this suits

It could work for you if

You want one fund that does the mixing for you and pays out fast.

Think twice if

You want the lowest yearly charge. 3.37% plus VAT is the highest of the balanced funds here.

What they tell you

  • What do they charge you every year?
    3.37% a year, taken from the value of the fund, each year, plus VAT.
  • 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.
  • How long is your money tied up?
    Not at all. You can take it out whenever you want.
  • 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 say who regulates them?
    Yes — the CMA. That is who you complain to.

Talk to 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.

How current is this rate?

The 11.5% on this page is the rate Old Mutual Investment Group last declared, as at 2025-12-31 — 10 months old.

The return for the calendar year 2025, from the December 2025 fact sheet.

What has changed here

  • 29 September 2026
    • The historical rate 35.1% a year → 11.5% 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