Sacco vs Money Market Funds in Kenya – Which is Better for Your Money

Are you deciding between a SACCO and a Money Market Fund (MMF)? In this video, we break down the differences, returns, risks, and accessibility of these two popular investment options in Kenya.

You’ll learn:
• What a SACCO is and how it works
• What a Money Market Fund is and why it’s growing in Kenya
• Returns: SACCO dividends vs Money Market Fund interest rates
• Risks: mismanagement vs market fluctuations
• Accessibility: which one is easier to join and withdraw from
• Age and goal-based recommendations (young professionals, mid-career, retirees)
• Practical steps to start investing in either a SACCO or MMF
Whether you’re saving for land, education, retirement, or emergencies, this video will help you make the right choice.

Key takeaway: SACCOs reward long-term commitment with dividends and affordable loans, while Money Market Funds provide liquidity, steady returns, and flexibility. For many Kenyans, the most effective strategy is to combine both.

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