Save with intention.
Earn every day.
RockWin is a Kenyan money market fund for people who want a serious home for their savings. Deposit from KES 1,000. Interest posts daily. Redeem to M-PESA or your bank when you need it.
Regulated by the Capital Markets Authority · Assets held in trust at I&M Bank
Three steps. No paperwork.
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01
Open your account
Provide your ID, phone number and next of kin. Verification typically completes the same day.
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02
Deposit from KES 1,000
Fund your account by M-PESA, bank transfer, or card. Units are credited at the current daily net asset value.
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03
Earn interest daily
Interest is calculated on your closing balance every day and credited to your portfolio the following morning.
See what your money could earn.
Based on the current effective annual yield of 14.2%, compounded daily, less 15% withholding tax.
Estimates only. Assumes daily compounding at 14.2% p.a. and does not account for management fees. Past performance is not a guarantee of future returns.
A portfolio you can actually read.
Every deposit, every interest credit, every redemption — logged and dated, in a dashboard that updates the moment your money moves.
What you pay, in plain numbers.
| Account opening | Free |
|---|---|
| Deposits (M-PESA, bank, card) | Free |
| Management fee | 1.5% p.a. of assets |
| Redemptions | Free |
| Withholding tax on interest | 15% · remitted to KRA |
Things people ask before they open an account.
What is a money market fund?
A money market fund is a collective investment scheme that pools money from many investors and invests it in short-term, low-risk instruments such as treasury bills, fixed deposits and commercial paper. Because the underlying holdings are short-term and high-quality, money market funds are designed to preserve capital while paying a competitive yield.
How is my interest calculated?
Interest accrues on your closing balance every day, based on the fund's current yield. Each morning, the previous day's interest is credited to your portfolio by increasing your unit count at the current net asset value. Because interest is credited as units, it compounds automatically.
How long does a redemption take?
Redemption requests are processed on each business day. M-PESA and bank transfers typically complete within 24 hours. Larger redemptions may take up to 48 hours depending on the settlement window of the underlying instruments.
Is there a minimum investment or lock-in period?
Minimum investment is KES 1,000. There is no lock-in period and no exit penalty. You can redeem any portion of your balance at any time.
How safe is my money?
RockWin is regulated by the Capital Markets Authority. Assets are held in trust by I&M Bank, separate from RockWin's own balance sheet. The fund is independently audited by Deloitte. Money market funds are not guaranteed, but they are designed to be among the lowest-risk collective investment schemes available in Kenya.
What documents do I need to open an account?
You need a valid Kenyan national ID or passport, your M-PESA phone number, an email address and the name, phone number and relationship of your next of kin. The entire process takes about three minutes online.