Unit Trust FAQs


It is a pool of savings by unit holders (members)

This pool is invested by professional fund managers in selected shares, cash, and interest bearing instruments.

  • A unit trust is a separate, independent legal trust set up to meet a stated investment objective.
  • The trust is then broken up into equal-ranking units

What type of Unit Trust Funds can I invest in?

We have 4 types of Unit Trust funds from which you can invest in: (all expand to provide more info)

CIC Balanced Fund

CIC Equity Fund

CIC Fixed Income Fund

CIC Money Market Fund

How do I monitor my account status?

You can access your account at any time by downloading our mobile APP “CIC ASSET” from google playstore or App store or from our online portal https://clients.cic.co.ke/unitrust/ppublic/login

You can use the mobile APP to transact i.e. to top up, withdraw, switch funds or view your statement

What is the minimum investment amount for the various funds?

Currently, the minimum investment amount for all funds is KES 5,000.00

What is the minimum top up amount for the various funds?

The minimum top up amount for all funds is KES 1,000.00

How many times can I top up my account?

You can top up your account any time you want. The funds will be credited the next working day from when they clear into our collection account.

How do I top up my account?

You can top up through either MPESA or via the bank


1.Go to Lipa na M-Pesa from your M-Pesa menu, then select Pay Bill.

  1. Send your investment to Paybill Number 600118 
  2. The Account Number will be your 5 digit Member Number





A/C NO: 01122190806600


How many times can I withdraw from my account?

You can withdraw from your account any time you want. The first withdrawal will be free. However, you will incur a withdrawal fee of Kshs. 1,000.00 for any subsequent withdrawal within the same month. The funds will be credited to your bank account on record within 2 – 4 working days from date of receipt of instruction.

How do I withdraw my units?

You can withdraw partially or in full. All withdrawal instructions should be sent to cic.asset@cic.co.ke from the address on record.

Alternatively, you can make the withdrawal request from our mobile APP “CIC ASSET” download it on google playstore or App store or our online portal https://clients.cic.co.ke/unitrust/ppublic/login

Single applicants can withdraw their investments by simply writing an email instruction to us indicating their account number and the amount they wish to withdraw or by visiting any of our branches. Your email address in this case is your digital signature. It should match what we have on record.

Joint account holders can also issue email withdrawal instructions if either signatory has the right to instruct a withdrawal. Alternatively the signatories can visit any of our branches and request for a withdrawal.

Corporate clients must submit signed instructions via email or by visiting any of our branches.

 How will I know how my investment is performing?

You will receive a monthly statement within 5 working days of every new month. You can also access your statement from our online platforms at your convenience.

Can I have more than 1 account?

Yes you can open different accounts to match your different investment objectives. You will however hold one primary account with more than 1 fund if you choose to diversify your portfolio.

Can I get a loan against my savings?

We do not offer loans however we can place your account under lien where you can use your account as collateral with a loan financing institution.

Can I open an account for my child?

Yes you can. You would open the account under your name In Favor Of –IFO, the child in the case that the child is a minor i.e. below age 18 years.

Can I transfer funds to another account holder?

Yes you can. We only require a written and duly signed instruction after which we will transfer the funds at a cost of Kshs. 2,500.00