What it covers
Money market funds
A regulated, interest-earning home for savings you may need back quickly. Suitable for emergency funds and short-term goals.
Provident funds
Longer-term structured saving — often used for retirement or children's education — with agreed contribution plans.
Guidance, not promises
We explain how each product works, who provides it, and what it costs. We never promise returns.
Who needs it
- Savers wanting better returns than a current account
- Parents planning school fees
- Anyone building a retirement or long-term fund
What you need to apply
- National ID
- KRA PIN
- Bank or M-Pesa details for contributions
- Completed application form for the chosen fund provider
Send documents on WhatsApp and we will confirm the exact list your insurer needs before you commit.
Common exclusions — the honest part
Returns are not guaranteed and past performance does not predict future returns. Investment products are provided and managed by the licensed fund manager named in your documents — Whitney Insurance Agency does not hold client investment funds. Confirm licensing and product provider details with us before investing.
Returns are not guaranteed. Past performance does not predict future returns. Investment products are provided by the licensed provider named in your documents.
Questions people ask
Is my money guaranteed?
No investment return is guaranteed. Money market funds are relatively stable but are not bank deposits. We explain the specific risks of each product before you commit.
Who actually holds my money?
The licensed fund manager or provider named in your application — never the agency. Your statements come directly from the provider.
Can I start small?
Yes. Many money market funds accept modest starting amounts and top-ups by M-Pesa. Tell us your goal and we will suggest what fits.