Pension Products

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Stand to earn upto 17.0 % p.a

Open an Account

Why Cytonn Money Market Fund?

We offer Capital Preservation

Ease of Transaction
of Funds

Interest is earned
daily

High interest returns on low-risk investment

Cytonn Asset Managers Limited (CAML), is the regulated affiliate of Cytonn Investments Management Plc. CAML is registered and licensed as a fund manager by both the Capital Markets Authority (CMA) and the Retirement Benefits Authority (RBA) in Kenya. Retirement Benefit Schemes provide the cornerstone of a financially secure retirement for employees through voluntary contributions for a period of time. At CAML we ensure that you get your safe and well-deserved retirement by offering these pension schemes:

Cytonn Personal Retirement Benefits Scheme
Cytonn Income Drawdown Fund
Cytonn Umbrella Retirement Benefits Scheme

Cytonn Personal Retirement Benefits Scheme

Cytonn Personal Retirement Benefits Scheme (CPRBS) is designed to enable individuals to save for their retirement by making regular contributions into this scheme during their working years and grow their retirement savings. The retirement age for this scheme is 60 years.

Benefits of CPRBS

Tax relief on contributions
Flexible arrangement in payments with low minimum contributions of Kshs 1,000 per month
Collateral for Mortgage – the scheme may be able to provide you with a Mortgage Guarantee of up to 60% of your accumulated contributions
High Returns – through the scheme, you shall have an opportunity to be part of an investment portfolio that is structured to optimize investment returns and offer the members above market average returns
Investment income in this scheme is tax-free and is compounded on a regular basis, and as such contributions grow faster

Who Should Join?

Professionals such as lawyers, doctors, engineers, etc. who don’t belong to a retirement benefits scheme
Self-employed individuals like businessmen, jua kali artisans, musicians, shopkeepers, etc.
Individuals whose employers don’t have a retirement benefits scheme, e.g. schools, church workers, NGO’s etc.

To join Cytonn Personal Retirement Benefits Scheme, fill the Application Form

Cytonn Income Drawdown Fund

The Cytonn Income Drawdown Fund (CIDDF) provides individuals and members of Retirement Benefits Schemes an option to access their retirement benefits as a regular income through an investment fund upon retirement rather than taking up an annuity.

Who should join?

Members who are retiring from Occupational as well as Individual Retirement Benefits Schemes
Self-employed individuals who would like to have a monthly income for themselves or their parents

Cytonn Umbrella Retirement Benefits Scheme

Cytonn Umbrella Retirement Benefits Scheme(CURBS) targets organizations that do not have an occupational retirement benefits scheme or do not have the capacity to start one. It gives members of their staff an opportunity to regularly save for their retirement.

For more information on our pension products, download our Brochure

Learn more about pensions

CMMF FAQs

How do I open a CMMF Account?
Using Cytonn App
1. Download the Cytonn App from the PlayStore/ App Store.
2. Open the App and Sign Up.
Using Web Portal
1. Visit our website clients.cytonn.com.
2. Sign Up.
Using USSD

Dial *809# then Create an account
How do I TopUp to the CMMF?
Using the Cytonn App
1. Login to the Cytonn App
2. Click on Top Up
3. Enter amount
4. Choose bank/M-Pesa
5. For Bank attach an image of the deposit slip/payment screenshot.
6. Click on Buy Units.
7. Confirm transaction.
8. Enter Mpesa PIN for M-Pesa option
Using the Cytonn Client portal.
1. Login to the Cytonn Client portal.
2. Click on Dashboard
3. Click on Top-Up
4. Enter amount
5. Choose bank/M-Pesa
6. For Bank attach an image of the deposit slip/payment screenshot.
7. Click on Top Up.
8. Confirm transaction.
9. Enter Mpesa PIN for M-pesa option.
Using *809#
1. Enter USSD PIN
2. Select Option 1 top up
3. Select account to transact from
4. Confirm Clinet code
5. Input amount tom top up
6. Choose method of payment Bank/M-Pesa
7. Enter M-Pesa PIN.
Direct Paybill.
- Business NUMBER:775093(CMMF Direct Paybill).
- Account No:Your Client Code.(This is the direct paybill automatically updates on mail and text charges for amounts above 100 bob.)
Using SBM BankOnline Transfer.
- Account Name:Cytonn Money Market Fund Collection Account.
- Account Number:0012400721001.
- Bank Name:SBM Bank(Kenya)Limited.
- Branch:City Centre Branch.
- Bank Code:060.
- Swift Code:SBMKENYA.
- Email:clientservices@cytonn.com
- P.O.Box:20695-00200 Nairobi.
Via M-Pesa Paybill
- Business Number:552800(SBM Bank’s Paybill).
- Account Number:0012400721001.
After that you can share a proof of deposit to our email.Contact the client services at clientservices@cytonn.com case of any queries.

Note:

The minimum investment amount is Ksh 100.
How many days does the funds reflect in the CMMF account?
M-Pesa deposits made on working days reflect after 24hrs.

Top up via Bank

Local banking

Local deposits made on working days take 12-48hrs to reflect. A business confirmation is sent once the investment has been made.

Diaspora banking

Diaspora deposits take 2-4 working days to reflect.

Note:
- Working days include Monday to Friday.
- Working days exclude holidays and weekends.
- Deposits made on eve of or during holidays/weekends will assume the timelines stated above, 'from the next working day.'
- In some cases, we might ask you to send proof of payment.
How do I validate my ID?
Using the Cytonn App
1. Login to the Cytonn App
2. Click on Profile
3. Click on Personal Information
4. Click on ID/Passport
5. Upload ID details
Using the Cytonn Client portal.
1. Login to the Cytonn Client portal.
2. Click on My Profile
3. Click on Personal Information
4. Click on ID/Passport
5. Upload ID details
How do I access my new CMMF account?
You can manage your CMMF account in the following ways:

To access via *809#
1. After creating your account via *809#, we shall send you a text message with your temporary PIN.
2. Dial *809# and enter the temporary PIN sent to you.
3. Change to your preferred PIN
To access via Web Portal
1. Visit clients.cytonn.com
2. Select Activate my account
3. Enter your assigned username or email address used to register
4. Verify your identity using the verification token sent to you on SMS
5. Create and confirm your password
6. Login
To access via Mobile App
1. Activate your account via the web portal as shown above.
2. Download the Mobile App from the Play Store or App Store.
3. Enter your Login details.

Cytonn Money Market Fund

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CMMF FAQs