Invest Ksh 5,000,000 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 5,000,000 deposit grows to about Ksh 6,999,977 after 5 years — about Ksh 1,999,977 in interest, assuming daily compounding and no withdrawals.
Final balance
Ksh 6,999,977
1.40× your deposit
Deposited
Ksh 5,000,000
One-off, no withdrawals
Interest earned
Ksh 1,999,977
At 6.73% net p.a.
Year by year
vs keeping it in a bank savings account
The same Ksh 5,000,000 at Credit Bank's deposit rate of 12.68% would grow to about Ksh 9,394,380 over the same 5 years — that's -Ksh 2,394,403 less than CPF Money Market Fund.