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.

The CIC Fixed Income Fund invests in a well-diversified portfolio of fixed income securities issued by the Kenyan government and Corporations and offering return in form of capital gain and semiannual dividend; The fund is suitable for investors seeking a reasonable level of current income and a steady growth of their capital

CIC Wealth Fund is a low to moderate risk fund which invests in diversified near cash holdings, fixed deposits and high yielding interest bearing instruments in the Kenyan market. This fund is more aggressive than the money market fund and its objective is to attain an enhanced level of return. The Fund manager uses robust risk management process to ensure invested capital is preserved. The investor has the flexibility of choosing investment horizon which ranges from 3, 6 and 12 months.

CIC Dollar Fund is suitable for clients who prefer to invest in US dollars with a short to medium term investment horizon. The objective of the fund is income and capital preservation. The Fund generates return through investing in high quality money market and fixed income instruments with a maturity profile that ensures adequate liquidity. Principal investments of the fund are treasury bills, treasury bonds, secure commercial papers, high quality corporate bonds and high quality fixed and call deposits denominated in US dollars both in the Kenyan markets and offshore. The fund is structured to provide daily yield. Investment statement is shared on a monthly basis outlining the total income accrued.



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