The Jubilee Money Market Fund (KES) is a flexible short-term investment solution designed for individuals and businesses in Kenya seeking capital preservation, daily interest accrual, and quick access to their funds. With a minimum investment of KES 5,000, the fund offers a low-risk way to grow your money while maintaining liquidity.
Jubilee Money Market Fund Overview
The Jubilee Money Market Fund (KES) invests in a diversified mix of high-quality, short-term instruments to provide stable returns while safeguarding capital. The fund is managed by Jubilee Asset Management, which ensures your money is invested in top-performing assets.
Key Features:
- Minimum Investment: KES 5,000
- Top-Up Amount: KES 1,000
- Liquidity: Withdraw anytime; processed within 48 hours
- Interest: Accrued daily and distributed monthly for compounding
- Risk Profile: Low, with capital preservation focus
- Management: Professional fund managers oversee diversified portfolios
Benefits of Jubilee Money Market Fund:
- Capital Preservation: Funds invested in secure instruments like Treasury Bills, corporate bonds, and fixed deposits
- Daily Interest: Earned daily and compounded monthly for faster growth
- Flexible Contributions: Top up anytime to increase your investment
- Quick Access: Withdrawals processed within 48 hours directly to your bank account
- Diversified Portfolio: Spreads risk across government, corporate, and banking sectors
How the Fund Works
The Jubilee Money Market Fund (KES) invests in:
- Government Securities: Treasury Bills and Treasury Bonds
- Corporate Paper: Diversified short-term commercial papers from well-rated companies
- Corporate Bonds: Low-maturity bonds to maintain stability
- Fixed and Call Deposits: Held in reputable financial institutions
All investments have a maximum duration of 13 months, which helps maintain stability and ensures liquidity. Returns are shared proportionally among investors and distributed monthly to maximize compounding.
Rates and Returns
- Daily Accrual: Your balance grows daily based on the portfolio’s performance.
- Effective Annual Yield: 3 months Average Return (1st August – 31st October 2025) was 11.34%.
- Variable Rates: Returns fluctuate with market conditions, including Treasury Bills and short-term fixed-income instruments.
Withdrawals and Liquidity
- Withdrawal Processing: Funds are processed within 48 hours.
- Access Channel: Withdraw through the JAMHub digital portal.
- Payment: Funds are paid directly to your registered bank account.
- No Penalties: Withdraw anytime without losing accrued interest.
Fees and Taxation
- Fund-Level Tax: Income within the fund is tax-exempt.
- Investor Tax: Payouts attract 15% withholding tax, as required by law.
- Fees: Total Expense Ratio (TER) and any applicable fees are detailed in the fund factsheet.
Who Should Invest in Jubilee Money Market Fund?
- Individuals saving for short-term goals, such as school fees, holidays, or upcoming expenses
- Investors building an emergency fund while keeping money accessible
- People looking to temporarily park cash while exploring other investments
- SMEs and businesses needing flexible, low-volatility solutions for operational cash
- Investors seeking stable, lower-risk options with daily interest accrual
How to Open an Account and Fund Your Investment
Step 1: Online Registration
- Visit the Jubilee online portal: https://invest.jubileeinsurance.com
- Provide personal details and upload required KYC documents
Step 2: Fund Your Account
- Fund via mobile money or bank transfer
- Your account becomes active once the initial investment is received
Step 3: Monitor and Manage Your Investment
- Track daily accrual and monthly interest distributions via the JAMHub portal
- Initiate withdrawals anytime; funds reach your bank within 48 hours
Key Takeaways
- Start investing in Jubilee Money Market Fund (KES) from KES 5,000
- Earn daily interest, compounded monthly, with full liquidity
- Low-risk, diversified fund suitable for individuals, SMEs, and businesses
- Withdrawals processed in 48 hours directly to your bank account
