📘Overview
The SanlamAllianz Fixed Income Fund aims to pay a regular income higher than long-term fixed deposits, with some capital growth. It invests mostly in Treasury securities, with corporate debt, cash and bank deposits.
It starts at KES 2,500. Stanbic Bank is the trustee, Standard Chartered holds the fund's money as custodian and KPMG audits it.
It starts at KES 2,500. Stanbic Bank is the trustee, Standard Chartered holds the fund's money as custodian and KPMG audits it.
⚙️How it works
Your money buys units in the fund and income is paid out every quarter. You can top up or withdraw on any business day; instructions received by 10am are dealt with the same day.
💳Fees and charges
• Management fee: 2% a year. Total yearly costs, including the fee, are about 2.8% of your balance.
• Withholding tax of 15% applies to interest.
• Withholding tax of 15% applies to interest.
⚠️Risks and important considerations
Bond prices can fall when interest rates rise, and a company the fund lends to could fail to repay. Returns are not guaranteed, and in rare cases withdrawals can be paused.
✅Eligibility and how to apply
Anyone with an ID and KRA PIN can invest, from KES 2,500.
❓Frequently asked questions
How much do I need?
KES 2,500.
How often is income paid?
Quarterly.
What does it cost?
2% a year in management fees; about 2.8% in total yearly costs.
Who keeps the money safe?
Stanbic Bank is the trustee, Standard Chartered Bank is the custodian and KPMG is the auditor.
KES 2,500.
How often is income paid?
Quarterly.
What does it cost?
2% a year in management fees; about 2.8% in total yearly costs.
Who keeps the money safe?
Stanbic Bank is the trustee, Standard Chartered Bank is the custodian and KPMG is the auditor.
🏛️ Who looks after your money
Your money sits with the custodian, not with Sanlam Investments East Africa, and the trustee watches over the manager on your behalf.
- Trustee
- Stanbic Bank KenyaChecks the manager follows the rules, on your behalf
- Custodian
- Standard Chartered Bank KenyaHolds the fund's money and investments, separate from the manager
- Auditor
- KPMG KenyaChecks the fund's accounts every year
- Withdrawals
- On any business day; instructions received by 10am are dealt with the same day.
- Lock-in
- None
- Interest
- Quarterly
Want help with this product?
Prefer to go direct? Sanlam Investments East Africa's website ↗
MoneyVersations may be paid by the company if you sign up after a call back. It costs you nothing extra. Always read the official documents before you invest or buy cover.
⚖️ Compare with other fixed income funds
| Product | This oneSanlam Fixed Income Fund (KES)Sanlam Investments East Africa | Britam Bond Plus FundBritam Asset Managers (Kenya) Ltd | CIC Fixed Income FundCIC Asset Management Ltd | Etica Fixed Income Fund (KES)Etica Capital Ltd | Kuza Fixed Income Fund (KES)Kuza Asset Management Ltd |
|---|---|---|---|---|---|
| This week's rate | Not on our weekly list | Not on our weekly list | 10.36% | 12.11% | 11.30% |
| Minimum to start | KES 2,500 | KES 1,000 | KES 1,000,000 | KES 100 | KES 1,000 |
| Access to money | No lock-in. You can withdraw on any business day; instructions in by 10am are dealt with… | No access for the first 14 days; after that, withdrawals reach M-Pesa or your bank within… | No lock-in. Withdrawals are paid 2 to 4 working days after you ask. | No lock-in. Withdrawals are instant to M-Pesa, and reach a bank account within 2 working… | 3-month lock-in on each investment; after that you can withdraw on any business day. Best… |
| Risk | Moderate | Low to medium | Low | Low risk | Low to medium |
Rates change weekly and past returns don't guarantee future returns. Check each fund's latest documents before you invest. See all weekly rates →
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Information last reviewed: 12 Nov 2026
MoneyVersations provides educational information, not a guarantee of returns or a substitute for individualized financial advice. Investment values and returns may fluctuate; insurance cover is subject to policy terms, exclusions and conditions.