Invest Ksh 100,000 in CPF MMF for 5 years.
At CPF Money Market Fund's current net yield of 6.73% (after Kenya's 15% withholding tax), a Ksh 100,000 deposit grows to about Ksh 140,000 after 5 years — about Ksh 40,000 in interest, assuming daily compounding and no withdrawals.
Final balance
Ksh 140,000
1.40× your deposit
Deposited
Ksh 100,000
One-off, no withdrawals
Interest earned
Ksh 40,000
At 6.73% net p.a.
Year by year
vs keeping it in a bank savings account
The same Ksh 100,000 at Credit Bank's deposit rate of 12.68% would grow to about Ksh 187,888 over the same 5 years — that's -Ksh 47,888 less than CPF Money Market Fund.