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What we at CICAM offer

Description The CIC Money Market fund is a low risk fund which invests in diversified near cash, interest bearing instruments in the Kenyan market. The fund invests in high quality interest bearing investments, fixed deposits, and near cash holdings in the Kenyan Market. This fund is: For the investor looking for a safe parking place for their funds and with a low risk appetite- preservation of capital. Returns on the Money Market Fund. Returns consist of interest from the various interest bearing instruments and is credited monthly. It is recommended that the interest be reinvested in to the fund so as to maximize return on investment through compounded growth. It is recommended that the funds be invested for at least 1 year. The interest is credited to investor’s account monthly for investors who roll over credited to investors’ bank account for investors who need a regular cash flow. The interest rate will fluctuate with market dynamics. CIC endeavors to invest prudently and negotiate competitively to give its customers the best rates possible in the market taking investor’s security of their investment into consideration. Fees Minimum investment amount is Kshs. 5,000. Minimum additional amount is Kshs. 1,000. NO initial fees are charged on the Money Market fund Access to your money is when required with a short notice of 2 – 4 working days. Monthly statement is sent.

Description The CIC Equity fund invests in professionally selected securities listed in the Nairobi Securities Exchange. The fund is suitable for the investor, who is seeking medium to long-term growth through capital gains from the investments. This fund is ideal for the individuals and institutions: Seeking capital growth Potential to beat inflation With a long term focus on investment Ready to take some amount of risk- due to volatility in the stock market Returns on the Equity Fund Returns consist of dividends and capital gains. Dividend distributions are done twice a year in June and December. We recommend reinvestment of dividends into the funds to investor in order to benefit from compounded growth. The recommended investment term is 4-7 years; regardless an investor can withdraw their investment at any time at the prevailing prices. At withdrawal it is important for the investor to consider their investment goal and fund values. Remember you only realize a gain or loss when you liquidate your investment. The minimum investment amount is kshs.5, 000 and minimum top ups of kshs.1, 000. It is always recommended that you invest in lump sum amounts to benefit from the funds. 5% initial fees are charged on the Equity fund Access to your money is when required with a short notice of 2 – 4 working days. Monthly statement is sent. DISCLAIMER Past performance should not be used as a guide to future investment performance. The prices of the CIC Equity Fund may change on a daily basis. Price of units can go up as well as down as a result of changes in the value of the underlying investments. There are no guarantees on the clients’ capital as the performance of units and interest-bearing investments in the underlying unit trust determines the value of your unit trust investment.

The objective of this fund is to provide medium return to the investor with a medium or an average outlook to risk. It is ideal for investors looking for a mixture of safety, income and capital appreciation while proving the investors with a fund that combines growth and income objectives by investing in the stocks of listed companies for growth and in interest bearing instruments for income. Such a diversification mitigates the effects of market down turns in the stock market without major value fluctuations. This fund is ideal for organizations and individuals who are; Seeking to invest in a balanced portfolio offering exposure to all sectors of the market (including offshore), but with a lower risk profile than pure equity funds. Willing to accept some medium risk exposure Want to beat inflation Returns on the Balanced Fund Returns consist of dividends, capital gains, interest portion and miscellaneous income from offshore investments. Distributions are done quarterly. We recommend reinvestment of the distributions into the funds order to benefit from compounded growth. The recommended investment term is 3-5 years; regardless an investor can withdraw their investment at any time at the prevailing prices. At withdrawal it is important for the investor to consider their investment goal and fund values. Remember you only realize a gain or loss when you liquidate your investment. The minimum investment amount is kshs.5, 000 and minimum top ups of kshs.1, 000. It is always recommended that you invest in lump sum amounts to benefit from the funds. 4.5% initial fees are charged on the Balanced fund Access to your money is when required with a short notice of 2 – 4 working days. Monthly statement is sent.



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