Here's what fits your goal. Based on your KES 500,000 emergency fund goal in about 2 years.
Cash-like fund that pays interest. Low risk, easy to withdraw.
A mix of shares and bonds. Grows faster but bumps up and down.
Projection
Reach KES 500,000 by March 2028
At KES 20,000/month, this mix has historically returned around 11–13% p.a. before charges (placeholder — confirm with BAM). We assume steady contributions and reinvested returns.
Alternative plans
Steady Saver
Lower risk, later target
KES 15,000 /mo Reach KES 500,000 by August 2028
Balanced Builder Recommended
Recommended for your goal
KES 20,000 /mo Reach KES 500,000 by March 2028
Growth Focused
Higher swings, earlier target
KES 22,000 /mo Reach KES 500,000 by November 2027
Adjust goal Start with virtual money