Question 1

What is the Serrari Wealth Builder Marketplace?

Accepted Answer

The Serrari Marketplace is a free, independent comparison tool that lets you browse and compare investment products available to Kenyan investors. We aggregate data on money market funds, T-Bills, T-Bonds, fixed deposits, savings accounts, unit trusts, SACCOs, real estate, and more -- all in one place.

Question 2

How does Serrari score products?

Accepted Answer

Each scored product is rated 0-10 against five weighted factors: Yield, 30% (return rate relative to category average), Liquidity, 25% (how quickly you can access your money), Safety, 20% (regulatory status -- CMA, CBK, KDIC, SASRA), Accessibility, 15% (minimum investment, M-Pesa support), and Cost, 10% (management fees and penalties). Scores and rankings cannot be bought: no provider, advertiser or affiliate partner can pay for a score, a higher score or a higher position. The score is NOT a recommendation -- it is a summary to help you compare.

Question 3

Are these products regulated?

Accepted Answer

Most products listed on Serrari are regulated by Kenyan authorities: Money market funds and unit trusts are regulated by the Capital Markets Authority (CMA). Bank deposits and fixed deposits are covered by the Kenya Deposit Insurance Corporation (KDIC) up to KES 500,000. SACCOs are regulated by SASRA. Government securities (T-Bills, T-Bonds) are issued by the Central Bank of Kenya (CBK). We display regulatory badges on each product card.

Question 4

How do I invest through Serrari?

Accepted Answer

Serrari does not manage funds or hold deposits. We are a comparison platform. When you find a product you like, click "Apply" to go directly to the provider's website or app. You can also request an introduction to a licensed financial advisor through our Advisor Introduction feature.

Question 5

What does "Net Yield" mean?

Accepted Answer

Net yield is the return you actually receive after the government deducts withholding tax (WHT). For most investment products in Kenya, WHT is 15% on interest earned. For example, if a money market fund shows 10% EAR (gross yield), your net yield after 15% WHT is 8.50%. Government infrastructure bonds are typically tax-free (0% WHT).

Question 6

What is withholding tax (WHT)?

Accepted Answer

Withholding tax is a tax deducted at source before your returns reach you. In Kenya: MMFs, savings, T-Bills, and fixed deposits are taxed at 15%. Treasury bonds are taxed at 15% (term of 10 years or less) or 10% (longer than 10 years). Infrastructure bonds are tax-free (0%). SACCO dividends are tax-free up to KES 300,000 per year. The provider handles the deduction automatically -- you do not need to file separately for WHT.

Question 7

Can I compare products side by side?

Accepted Answer

Yes! Click the "+ Compare" button on any product card to add it to your comparison basket. When you have 2 or more products selected, a comparison tray appears at the bottom of the screen. Click "Compare Now" to see a detailed side-by-side table of rates, minimums, access methods, risk levels, and features.

Question 8

Is this financial advice?

Accepted Answer

No. Serrari provides data and tools for informational purposes only. We are NOT licensed financial advisors and our scores, rankings, and comparisons do not constitute investment advice. Returns shown are historical and do not guarantee future results. Always do your own research and consult a licensed professional before making investment decisions.

Stay Ahead of the Money Market Fund (MMF), Bonds, Fixed Deposits and More.

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Frequently Asked Questions

Fund manager profiles: money market fund (MMF) rates and unit trust performance