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Investments
A money market fund (MMF) is a regulated investment fund, where an investment manager consolidates funds from various investors and
invests the funds in short term, low risk assets like Treasury bonds, Treasury bills, bank deposits and commercial papers for a return. The Return is then distributed to the investors.
They normally operate like bank accounts that earn higher interest than a bank account. Interest is accrued daily and an investor can withdraw at any time they wish ad they are able o get their money in not more than 2 days.
They are very useful for building emergency funds, savings funds or parking money to be used for other purposes.
Fixed Income Funds are investment vehicle that consolidate funds from
investor and the funds are invested by a regulated fund manager for a
return.
Typically, Fixed income would hold the funds for a certain short term
agreed period i.e. 3 months, 6 months or 12 months after which an
investor is free to withdraw or continue investing.
They would typically have higher return than money market funds.
Micro insurance is designed to provide medical covers at very
discounted premium amounts compared to traditional health covers.
This helps individuals/families/groups/companies with very tight
budgets to get medical cover.
We help you chose and set up the personal or corporate retirement
plan that is designed to help you save up for retirement whilst earning
the best available returns in the market.
A trust fund is a legal entity that holds assets until an intended
recipient is able to receive them. This could be your loved ones or even charity beneficiaries.
Depending on the type of trust, they can be cheap to set up. Umbrella trust require a minimum opening balance of Kes 10,000 to set up.
Complex family trust can cost much more for set up due to complexities.
Trust funds can be set up for various causes e.g. medical purposes, education purposes, charity purposes and other reasons. Trusts are formed by the owner of assets transfer The person who sets up the trust is called a grantor.
He or she set up a trust by giving instructions through a grant letter to a trustee (The person/corporate responsible for ensuring the assets in the trust fund are appropriately distributed) indicating the assets to be transferred to the trust and also identifying the use of the assets and the beneficiaries of the trust.
The Grantor can change the terms of the trusts at any one point but
once he/she dies the trust becomes irrevocable meaning the terms
cannot be changes or challenged in court.
Trust can hold assets such as cash, bonds, shares of listed and unlisted
companies, businesses, Property, bank accounts, life insurance policies, pension funds etc.
Advantages
- Trusts cannot be challenged in court for probate. Grant letters are final.
- Beneficiaries are protected from mismanagement of assets through appointing a trustee. Especially when beneficiaries are young.
- Assets in a trust do not form part of assets available for splitting in case of divorce.
- Assets in the trust cannot be auctioned incase of credit default or other issues.
- Trusts reduce tax liability that can arise from inheritance.
- Funds in the trusts are invested by a fund managers and the funds keep growing.
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insurance agents
+254 (721) 87 6833
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Investments
Safeguarding Your Financial Future
Investment insurance, also known as investment-linked insurance, offers a unique blend of insurance protection and investment opportunities. It allows policyholders to secure their financial future while potentially growing their wealth over time.
With investment insurance, you can enjoy the dual benefits of life insurance coverage and the potential for investment returns. Policyholders have the flexibility to allocate a portion of their premiums towards various investment funds, such as equities, bonds, or mixed assets, based on their risk tolerance and investment objectives.
This type of insurance provides protection against unforeseen events like death or disability while also offering the opportunity to accumulate cash value through investment growth. It’s a strategic way to build a financial safety net for yourself and your loved ones while harnessing the power of the financial markets to achieve long-term goals.
Investment insurance policies often come with additional features such as fund switching options, top-up facilities, and partial withdrawals, providing policyholders with flexibility and control over their investments. Whether you’re planning for retirement, education expenses, or wealth accumulation, investment insurance offers a versatile solution to help you achieve your financial aspirations.
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Committed to giving you a seamless experience.
