Fills your KES liquidity gap. Aligns with your Balanced profile and your 6-month emergency-fund timeline.

One-product solution if you don't want to mix yourself. Matches your Balanced risk profile.

Useful for the second half of your wealth journey. For now, stay focused on KES until your emergency fund is full.

Add gradually as your emergency fund completes. Start with 5–10% allocation.

Step beyond MMF territory. Wait until your emergency fund is full and you've crossed KES 500k in liquid investments.

After your equity ETF position. Diversifies away from NSE concentration.

Layer in once your KES MMF is full and you have first USD exposure.

Not yet — focus on Kenya-only first.

Not at your stage.

Not appropriate for your stage. Revisit when liquid wealth crosses KES 5M.