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Originally published by Kenyans
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July 17, 2025
2w ago

MMFs vs SACCOs: Where Should You Put Your Money in 2025 and Beyond?

MMFs vs SACCOs: Where Should You Put Your Money in 2025 and Beyond?

Both options have their advantages, often leaving savers conflicted about which investment to choose...

✨ Key Highlights

The article discusses whether Kenyans should invest in SACCOs or Money Market Funds (MMFs) for wealth growth in 2025 and beyond, highlighting their differences and benefits.

  • MMFs offer annual returns of 8–11%, whereas SACCOs provide dividends and interest of 8–10%.
  • Expert Jeremiah Odera emphasizes that SACCOs are better for long-term wealth building, while MMFs are suitable for liquidity.
  • Loans through SACCOs have lower interest rates, typically 8%, but MMFs do not offer credit facilities.

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MMFs vs SACCOs: Where Should You Put Your Money in 2025 and Beyond?