You do not necessarily need tens of thousands of shillings to start a money market fund in Kenya. In AMKA's current tracked data, published minimums range from KSh100 to KSh100,000, while some providers do not clearly list a minimum in the source available to AMKA.
Which MMFs can you start with KSh100?
As of AMKA's current 2 October 2026 comparison data, Etica MMF, Mali MMF (Safaricom) and Ziidi MMF (Safaricom) are listed with a KSh100 minimum. The source dates for the underlying rate data differ, so always open the provider/source before sending money.
MMF minimums in AMKA's current comparison
| Published minimum | Examples in AMKA's tracked data |
|---|---|
| KSh100 | Etica, Mali, Ziidi |
| KSh500 | Ndovu |
| KSh1,000 | Cytonn, Faulu, Orient Kasha, Arvocap, Genghis, Britam, Absa Shilling, NCBA, Equity |
| KSh2,500 | Sanlam |
| KSh5,000 | Madison, Jubilee, Kuza, Old Mutual, Gulfcap, CIC, Co-op, ICEA Lion |
| KSh10,000 | GenAfrica |
| KSh100,000 | Nabo Africa, Dry Associates |
These are comparison fields, not recommendations. Provider terms can change and a low entry minimum does not make one fund safer or more suitable than another.
Is a low minimum investment better?
It makes a fund easier to access, but it does not tell you about the quality of the investment. A useful comparison also asks how quickly you can withdraw, what the current published yield represents, what fees apply, whether the figure is recent and whether the scheme/provider appears in the relevant Capital Markets Authority records.
How much should you put into an MMF?
There is no universal amount. Start by deciding what job the money has. Cash intended for near-term bills or emergencies has different liquidity needs from longer-term investment money. AMKA's monthly money planner can help you see what is available after commitments before you compare products.
What could KSh1,000, KSh10,000 or KSh100,000 earn?
The answer changes with the yield and time period. Use the AMKA MMF calculator with the rate you are actually comparing rather than relying on an old example.
Compare current MMF rates and minimums
AMKA's Money Market Fund Rates Kenya page currently tracks 35 funds and shows the published rate, date, minimum and source together. You can also read how to compare the best MMFs in Kenya without treating the highest headline yield as a recommendation.
What else should you compare?
After the minimum, check withdrawal time, fees and tax treatment.
Frequently asked questions
Can I start an MMF with KSh100?
Yes. AMKA currently lists several tracked funds with a KSh100 published minimum. Verify the latest provider terms first.
Can I start an MMF with KSh1,000?
Yes. Several funds in AMKA's current comparison list KSh1,000 minimums.
Does a higher minimum mean a better MMF?
No. Minimum investment is an access condition, not a measure of future performance or suitability.