Why Many Kenyans Don’t Really Understand T-Bills, T-Bonds & Money Market Funds — And What You Should Know in 2026 If you ask everyday investors in Kenya about Money Market Funds (MMFs), Treasury Bills (T-Bills), and Treasury Bonds (T-Bonds), you’ll often hear confusion — even among people who have been saving or investing for years. Many assume MMFs are “just savings accounts,” or think that T-Bills and T-Bonds are only for the wealthy. The truth is different: your money does specific work in the background, and how it earns interest matters greatly for your financial goals. This guide explains the real relationship between these products, how they make money, where your funds are deployed, and how to think about them strategically in Kenya’s 2026 financial landscape. TL;DR — What You’ll Learn Here Where Kenyan MMFs actually invest your funds Key differences between T-Bills and T-Bonds Typical investment amounts and access requirements How MMFs generate returns Li...