Wealth Management
We have key experience in structuring bespoke investment solutions to suit your financial status, risk preferences, liquidity needs, and investment horizons.
Fixed Income Funds
Fixed Income Funds invests predominantly in government and corporate bonds with longer maturities. These securities typically offer higher yields than short-term money market instruments and provide opportunities for both income generation and capital appreciation. Because bond prices can rise or fall as interest rates change, Fixed Income Funds may experience short-term fluctuations in value. However, over longer investment periods, they have the potential to generate higher total returns.
The fixed income funds are ideal for medium- to long-term investors seeking higher returns than cash investments, stability and lower risk compared to equity investments. The funds are suitable for medium to long-term wealth accumulation, retirement planning for investors who are comfortable with moderate market fluctuations and with a medium to long-term investment horizon
NCBA Fixed Income solutions can be accessed for as low as Kes1,000 or USD100.
Please click here for the fund factsheets
NCBA KES Fixed Income Fund
August 18 2026
NCBA Dollar Fixed Income Fund
August 18 2026
Disclaimer; “The Capital Markets Authority does not take responsibility for the soundness of the scheme. Past performance is not reflective of future performance. Prices and income can vary upwards or downwards. The right to redeem may be suspended”
Understanding the Difference
Both Money Market Funds and Fixed Income Funds invest in interest-bearing securities and are designed to generate income for investors. The key difference lies in the types of assets held, the investment horizon of those assets, the return profile, and the level of risk investors are willing to assume.
| Feature | Money Market Fund | Fixed Income Fund |
|---|---|---|
| Primary Objective | Capital preservation, liquidity and competitive short-term returns | Higher income and capital growth over the medium to long term |
| Underlying Assets | Treasury Bills, fixed deposits, call deposits, commercial paper and other short-term money market instruments | Government and corporate bonds, medium to long-term notes, treasury bonds and selected money market instruments |
| Typical Duration | Very short-term (generally less than 1 year) | Medium to long-term (typically 1 to 10+ years) |
| Interest Rate Sensitivity | Low | Moderate to high |
| Liquidity | High, suitable for readily accessible funds | Moderate, designed for investors with a longer investment horizon |
| Expected Volatility | Minimal | Higher, due to movements in bond prices and interest rates |
| Return Drivers | Interest earned from short-term instruments | Interest income, bond price appreciation and portfolio roll-down gains |
| Risk Profile | Low Risk | Low to Moderate Risk |
| Ideal Investment Horizon | Short-term | Medium to Long-term |
NCBA Investment Bank Launches Offshore Investment Solutions, Meeting Client Demand for Global Diversification
NCBA Investment Bank today announced the launch of its comprehensive Offshore Investment Solutions. This new offering reinforces its long-term commitment to its clients by providing accessible, professionally-managed investments with access to global markets, currency diversification and sophisticated wealth-building opportunities.