For many farmers, the challenge isn’t just about producing — it’s about protecting earnings during the months between planting and harvest. That’s where the Cytonn Money Market Fund (CMMF) comes in.
In September 2025, the fund delivered an average annualized return of 13.0%, outperforming the benchmark of the 91-day Treasury Bill +1.0%. This means investors’ money continued to grow even as inflation remained stable at 4.6%, well within the Central Bank’s target range.
With most of its portfolio — about 75.4% — invested in cash, bank deposits, and government securities, the fund maintained a low-risk profile, making it suitable for farmers who want steady returns without risking their hard-earned capital.
By setting aside part of your income in a regulated fund like CMMF, you can earn competitive returns while keeping your cash accessible for emergencies or upcoming farming expenses. With a minimum investment of Kshs. 100 and no initial fees, the CMMF offers accessibility alongside solid returns. Investors can start small and scale up as they experience the benefits of compounded interest in a professionally managed fund.
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