Arvocap Special Funds 2026 Guide for Kenyan Investors

Arvocap Special Funds: 2026 Complete Guide for Kenyan Investors

Investing in Kenya has moved beyond just keeping money in banks. Many Kenyans ask: “How can I earn better returns safely?” Arvocap Special Funds provide CMA-regulated options with professional management. Whether you are new or experienced, understanding fund types, minimum investments, returns, risks, and durations is crucial.

We’ll break down Money Market, Fixed Income, Equity, Global Equity, and Multi-Asset Funds with actual 2025 returns, minimums, risks, and duration advice. For more on liquidity, check our MMF liquidity guide.

1. What Are Arvocap Special Funds?

Arvocap Special Funds are collective investment schemes (CIS) that pool money from investors to access professionally managed assets:

  • Regulated by Kenya’s CMA for transparency
  • Divided into sub-funds based on risk and goals
  • Returns fluctuate with market performance — not guaranteed
  • Available in KES and USD, depending on the fund

Many Kenyans invest here to earn more than bank savings while staying CMA-regulated.

2. Arvocap Fund Types and How They Work

Money Market Fund (KES)

  • Purpose: Low-risk, short-term savings
  • Investments: Treasury bills, corporate papers, cash instruments
  • Minimum Investment: KES 3,000 (initial), KES 1,000 top-ups
  • Liquidity: 2–3 business days
  • 2025 Yield: ~11.2–11.8%
  • Risk: Low
  • Duration: 3–12 months
  • Ideal for: Emergency funds or short-term savings

Almasi Fixed Income Fund (KES)

  • Purpose: Medium-risk bond fund
  • Investments: Government bonds, treasury bills, corporate bonds
  • Minimum Investment: KES 100,000
  • 2025 Net Return: ~20.5%
  • Recommended Duration: 3–5+ years
  • Risk: Moderate
  • Ideal for: Stable growth

Thamani Equity Fund (KES)

  • Purpose: Growth via NSE shares
  • Investments: Nairobi Securities Exchange stocks (best shares for beginners)
  • Minimum Investment: KES 100,000
  • 2025 Net Return: ~40.23%
  • Recommended Duration: 5+ years
  • Risk: High
  • Ideal for: Medium-to-long-term investors

Africa Equity Fund

  • Purpose: Pan-African equity exposure
  • Investments: Stocks in South Africa, Nigeria, Egypt, etc.
  • 2025 Net Return: ~22.59%
  • Recommended Duration: 5+ years
  • Risk: High
  • Ideal for: Diversifying outside Kenya

Global Equity Fund (USD)

  • Purpose: Exposure to global markets
  • Investments: Apple, Amazon, Meta, Alphabet
  • Minimum Investment: USD 1,000 (~KES 130,000)
  • 2025 Net Return: ~28.72%
  • Recommended Duration: 5+ years
  • Risk: Very high
  • Ideal for: Experienced investors

Multi-Asset Strategy Fund (USD)

  • Purpose: Diversified global portfolio
  • Investments: Equities, bonds, ETFs, commodities
  • Minimum Investment: USD 1,000 (~KES 130,000)
  • 2025 Net Return: ~36.86%
  • Recommended Duration: 5+ years
  • Risk: Very high
  • Ideal for: Maximum diversification

3. Returns, Minimum Investments & Duration

Fund 2025 Net Return Minimum Investment Duration
Money Market~11.2–11.8%KES 3,0003–12 months
Almasi Fixed Income20.51%KES 100,0003–5+ years
Thamani Equity40.23%KES 100,0005+ years
Africa Equity22.59%Varies5+ years
Global Equity28.72%USD 1,000 (~KES 130,000)5+ years
Multi-Asset Strategy36.86%USD 1,000 (~KES 130,000)5+ years

4. Risks to Consider

  • Market Risk: Fund values fluctuate
  • Currency Risk: USD funds affected by KES/USD changes
  • Liquidity Risk: MMF 2–3 days, others longer
  • No Capital Guarantee: CMA ensures transparency but does not insure principal

5. Who Should Invest?

Investor LevelRecommended Fund(s)
BeginnerMoney Market, Almasi Fixed Income
IntermediateThamani Equity, Africa Equity
ExperiencedGlobal Equity, Multi-Asset Strategy

For practical NSE examples, see Best Shares for Beginners in Kenya.

💡 TL;DR:
  • Money Market: Low-risk (~11% p.a.)
  • Almasi Fixed Income: Moderate (~20%)
  • Thamani Equity: High (~40%)
  • Africa Equity: High (~22%)
  • Global Equity: Very high (~29%)
  • Multi-Asset: Very high (~37%)

About the Author

Postine Ngeli is a Kenyan finance educator, blogger, and CFA-equivalent researcher. He focuses on money market funds, NSE shares, chamas, and practical investment strategies for everyday Kenyans.

Disclaimer

This content is for informational purposes only and is not financial advice. Investments carry risks and past returns do not guarantee future results. Review fund factsheets and do your research before investing.

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