Treasury Bills Kenya 2026: How to Earn 13-17% Risk-Free from Government Bonds

Treasury Bills pay 13-17% annually in Kenya. That’s government-guaranteed. No stock market volatility. No company risk. Pure fixed income.

Most Kenyans have never heard of T-Bills. Banks know about them—that’s where they invest your savings at 3% and pocket the 10% difference. SACCOs know—they buy billions in T-Bills. Fund managers know—Money Market Funds invest 80% in T-Bills.

But individual Kenyans? Only ~50,000 out of 50 million invest directly.

Why? Three myths:

• “You need millions to invest” (FALSE: Minimum Ksh 100,000)
• “It’s complicated” (FALSE: Takes 20 minutes to set up online)
• “Only for rich people” (FALSE: Government wants YOUR money, not just institutional)

This guide destroys the myths and shows you exactly:

• What T-Bills are (plain English)
• Current rates (91-day, 182-day, 364-day)
• How to buy via CBK portal (step-by-step with screenshots)
• T-Bills vs Money Market Funds vs SACCOs vs Fixed Deposits
• Tax implications (15% withholding tax)
• Risks (spoiler: nearly zero)

If you have Ksh 100,000 sitting in a bank savings account earning 3%, you’re losing Ksh 10,000-14,000 per year. Let’s fix that.

What Are Treasury Bills? (The 2-Minute Explanation)

Government Needs to Borrow Money

The Situation:

• Kenya government needs Ksh 500 billion to:
  • Pay salaries (teachers, nurses, police)
  • Build infrastructure (roads, hospitals)
  • Cover budget deficit

Two Ways to Get Money:

1. Tax citizens (already doing this)
2. Borrow from citizens (this is T-Bills)

How T-Bills Work

Treasury Bill (T-Bill):

• Short-term loan to Kenya government
• You lend Ksh 100,000
• Government promises to pay back Ksh 100,000 + interest
• Term: 91 days, 182 days, or 364 days
• Interest: 13-17% annually

Example:

• You buy Ksh 100,000 worth of 364-day T-Bill at 17%
• You pay Ksh 100,000 today
• 364 days later: Government pays you Ksh 117,000
• Profit: Ksh 17,000 (minus 15% tax = Ksh 14,450 net)

Why Government Pays 13-17%

Supply and Demand:

• Government needs money constantly
• Investors want safe returns
• 13-17% is market rate that balances both

Why So High vs Bank Savings (3%):

• Banks borrow from you at 3%
• Lend to government at 13-17%
• Keep difference (Ksh 10-14 per Ksh 100)
• You can cut out the bank, get 13-17% directly

Three T-Bill Types in Kenya

91-Day T-Bill (3 Months):

• Maturity: 91 days
• Current rate: ~13-14% annually
• Best for: Short-term parking (3-6 months)
• Liquidity: Matures every 3 months

182-Day T-Bill (6 Months):

• Maturity: 182 days
• Current rate: ~14-15% annually
• Best for: Medium-term savings
• Balance: Return vs access

364-Day T-Bill (12 Months):

• Maturity: 364 days (almost 1 year)
• Current rate: ~15-17% annually
• Best for: Maximum returns, can wait 1 year
• Highest rate of the three

Pattern: Longer maturity = higher interest rate

Current Treasury Bill Rates (March 2026)

Actual rates from CBK auctions:

Note: Rates change weekly based on auction demand. Check current rates at cbit.co.ke before bidding.

How T-Bill Rates Move

When Rates Go UP:

• Central Bank raises interest rates (fighting inflation)
• Government needs more money (budget pressures)
• Investors benefit (higher returns)

When Rates Go DOWN:

• Central Bank lowers rates (stimulating economy)
• Government has less borrowing need
• Investors get lower returns

Historical Range (2020-2026):

• Low: 6-8% (2021-2022, COVID stimulus period)
• High: 16-18% (2023-2026, high inflation period)
• Current: 13-17% is above historical average (good time to lock in)

How to Buy Treasury Bills (Step-by-Step CBK Portal)

Two ways to invest: Via CBK directly (free) or via bank (they charge fees).

Method 1: CBK Direct (Recommended – Ksh 0 Fees)

Step 1: Register on CBK Portal

Requirements:

• National ID or Passport
• KRA PIN certificate
• Bank account statement (for verification)
• Email address and phone number

Process:

1. Visit cbit.co.ke (Central Bank Integrated Trading Portal)
2. Click “Register New User”
3. Choose “Individual Investor”
4. Fill details:
   • Full name (as per ID)
   • ID/Passport number
   • KRA PIN
   • Phone, email
   • Bank account details (for receiving payments)
5. Upload documents:
   • ID copy (scanned or photo)
   • KRA PIN certificate
   • Bank statement (1 page showing account number)
6. Create password
7. Submit
8. Wait 1-3 business days for approval
9. Receive email: “Account approved”

One-time setup. Takes 20 minutes.

Step 2: Fund Your CDS Account

What is CDS Account?

• Central Depository System
• Your “wallet” for holding T-Bills
• CBK creates this for you automatically

How to Add Money:

1. Log into your bank
2. Transfer money to:
   • Bank: Central Bank of Kenya
   • Account: Your CDS account number (emailed after registration)
   • Amount: Minimum Ksh 100,000
3. Reference: Your ID number
4. Money reflects in CDS within 1 business day

Important: CDS account is SEPARATE from your personal bank. Think of it like M-Pesa—it’s your CBK wallet.

Step 3: Bid for T-Bills (Every Monday)

Auction Schedule:

• Every Monday: New T-Bills offered
• Bidding deadline: Monday 3:00 PM
• Results announced: Monday 4:00 PM
• Settlement: Tuesday (money deducted from CDS)

How to Bid:

1. Log into cbit.co.ke
2. Click “Primary Market”
3. Select “Treasury Bills”
4. Choose type: 91-day, 182-day, or 364-day
5. Enter amount: Ksh 200,000 (example, minimum Ksh 100,000)
6. Choose bid type:
   • Competitive: You specify rate (e.g., “I want 15%”)
   • Non-competitive: Accept whatever market rate is (RECOMMENDED for beginners)
7. Submit bid
8. Wait for results (Monday 4pm)

Step 4: Wait for Maturity

What Happens:

• Tuesday: Money deducted from CDS (Ksh 100,000)
• You now own T-Bill
• Interest accrues daily (you don’t see this daily)
• Maturity day (91/182/364 days later): Principal + interest deposited to CDS
• You can withdraw to bank or reinvest

Example Timeline:

• March 3 (Monday): Bid for 91-day T-Bill, Ksh 100,000
• March 4 (Tuesday): Ksh 100,000 deducted from CDS
• June 2 (91 days later): Ksh 103,375 deposited to CDS (Ksh 100K + Ksh 3,375 interest after tax)
• You withdraw Ksh 103,375 to bank, or reinvest in new T-Bill

Method 2: Via Your Bank (Easier but Fees Apply)

Most Banks Offer T-Bill Purchase:

• Equity Bank
• KCB
• Cooperative Bank
• NCBA
• Stanbic

Process:

1. Visit bank branch or use mobile app (some banks)
2. Request “Treasury Bill investment”
3. Fill form
4. Deposit minimum Ksh 100,000
5. Bank handles bidding, settlement
6. You receive interest at maturity

Fees:

• Processing fee: Ksh 500-2,000 per transaction
• Custody fee: 0.5-1% annually
• Total cost: Ksh 1,000-3,000/year on Ksh 100,000

vs CBK Direct:

• CBK: Ksh 0 fees
• Bank: Ksh 1,000-3,000 fees
• Difference: Bank fees eat 1-3% of returns

Recommendation: Use CBK direct (free). Only use bank if you can’t manage online portal.

Treasury Bills vs Other Investments (Real Numbers)

Ksh 100,000 invested for 12 months:

T-Bills (364-Day at 16.5%)

Gross interest: Ksh 16,500
Tax (15% WHT): -Ksh 2,475
Net interest: Ksh 14,025
Total return: Ksh 114,025
Effective return: 14.0%

Money Market Fund (at 11%)

Returns: Ksh 11,000
Fees: Already deducted (management fee ~1.5%)
Total return: Ksh 111,000
Effective return: 11.0%

T-Bills win by: Ksh 3,025

Bank Fixed Deposit (at 9%)

Interest: Ksh 9,000
Tax (15% WHT): -Ksh 1,350
Net interest: Ksh 7,650
Total return: Ksh 107,650
Effective return: 7.65%

T-Bills win by: Ksh 6,375

Bank Savings Account (at 3%)

Interest: Ksh 3,000
Tax (15% WHT): -Ksh 450
Net interest: Ksh 2,550
Total return: Ksh 102,550
Effective return: 2.55%

T-Bills win by: Ksh 11,475 (HUGE difference!)

SACCO Shares (at 12% dividend)

Dividend: Ksh 12,000
Tax: Ksh 0 (SACCOs exempt)
Total return: Ksh 112,000
Effective return: 12.0%

T-Bills win by: Ksh 2,025

But: SACCOs offer loan access (borrow 3X shares), T-Bills don’t.

NSE Stocks (variable, example 15%)

Capital gains: Ksh 15,000 (example year)
Tax: Ksh 0 (capital gains exempt)
Dividends: Ksh 5,000 (5% yield example)
Dividend tax: -Ksh 250
Total return: Ksh 119,750
Effective return: 19.75%

Stocks win by: Ksh 5,725

But: Stocks can also LOSE 20% (T-Bills never lose principal).

Summary Table

The Verdict:

• Best risk-free return: T-Bills (14%)
• Best total return (with risk): Stocks (19.75% average, but can lose)
• Best tax treatment: SACCOs (0% tax) or Stocks (0-5%)
• Worst: Bank savings (2.55%—you’re losing to inflation!)

Treasury Bills Tax Treatment (What You Actually Keep)

The 15% Withholding Tax

How It Works:

• T-Bill pays 16.5% gross interest
• Government deducts 15% withholding tax
• You receive 14.0% net

Example (Ksh 100,000 Investment):

• Gross interest: Ksh 16,500
• Tax deducted: Ksh 2,475 (15%)
• Net to you: Ksh 14,025

This happens automatically. You never see the full 16.5%—CBK deducts tax before paying you.

Is Withholding Tax Final?

For Most Kenyans: Yes

• 15% WHT is final tax
• No need to declare in income tax return
• Done

For High Earners (Top Tax Bracket 30%+):

• If total income > Ksh 500,000/month
• May need to pay additional tax
• Consult KRA

For Most: The 15% is all you pay. Simple.

Tax Comparison

T-Bills vs Other Investments:

Tax Winners:

1. SACCOs (0% on dividends)
2. Stocks (0% capital gains)
3. T-Bills, Fixed Deposits (15% WHT)

Treasury Bills Risks (Nearly Zero, But Not Quite)

Risk 1: Interest Rate Risk (Your Opportunity Cost)

The Scenario:

• You buy 364-day T-Bill at 16% (today)
• 3 months later: Rates jump to 20%
• You’re stuck at 16% while new investors get 20%

Impact:

• Not a loss of principal
• But: Opportunity cost of 4%

Mitigation:

• Use shorter T-Bills (91-day) when expecting rates to rise
• Ladder T-Bills (buy every month, not all at once)

Risk 2: Liquidity Risk (Money Is Locked)

The Problem:

• T-Bill matures in 364 days
• Day 200: Emergency, need money
• Can’t access your Ksh 100,000

Technically You Can Sell:

• Secondary market exists (CBIT portal)
• But: Sell at discount (lose some returns)
• Rarely worth it

Mitigation:

• Only invest money you won’t need
• Keep emergency fund in Money Market Fund (accessible)
• Don’t put ALL savings in T-Bills

Risk 3: Government Default Risk (Theoretical)

The Question: What if Kenya government can’t pay?

Reality:

• Kenya has NEVER defaulted on domestic debt (T-Bills)
• Government can print shillings if needed (unlike foreign debt in USD)
• Probability: Near zero

But:

• Countries CAN default (Greece, Argentina, Lebanon)
• If Kenya economic collapse: T-Bills at risk
• Lower risk than any company bond/stock, higher than nothing

Practical Take:

• T-Bills = safest Kenyan investment
• Still backed by government, not private company
• Risk = 0.1% (virtually zero)

Risk 4: Inflation Risk

The Hidden Risk:

• T-Bill pays 14% net
• Inflation: 7% (2026 estimate)
• Real return: 14% – 7% = 7%

What This Means:

• Nominal: You have 14% more shillings
• Real: Your purchasing power increased only 7%
• Inflation erodes value

Comparison:

• Bank savings at 2.5% – inflation 7% = -4.5% real return (losing purchasing power!)
• T-Bills at 14% – inflation 7% = +7% real return (winning)

Mitigation:

• For long-term (10+ years), consider stocks/equity funds (20%+ returns)
• T-Bills good for 1-5 years, not 20 years

How to Build a T-Bill Ladder (Advanced Strategy)

Problem with buying single T-Bill:

• All money locked for 91/182/364 days
• No access until maturity

Solution: T-Bill Ladder

The Ladder Strategy

Month 1:

• Buy Ksh 100,000 in 91-day T-Bill

Month 2:

• Buy another Ksh 100,000 in 91-day T-Bill

Month 3:

• Buy another Ksh 100,000 in 91-day T-Bill

Month 4:

• First T-Bill matures (from Month 1)
• Reinvest Ksh 103,375 in new 91-day T-Bill
• Now you have access to Ksh 100K every month (rolling maturity)

Benefits:

• Liquidity: Ksh 100K matures every month (can withdraw or reinvest)
• Interest: Earn 13-14% on all money
• Flexibility: Adjust to rate changes monthly

Example with Ksh 400,000:

• Split into 4× Ksh 100,000
• Buy one T-Bill per month
• After Month 4: One matures every month
• You’ve created monthly access to Ksh 100K while earning 13-14%

Treasury Bills for Different Goals

Emergency Fund (DON’T Use T-Bills)

Why NOT:

• T-Bills lock money for 91-364 days
• Emergency = need money within 24 hours
• Use Money Market Fund instead (2-3 day access)

Short-Term Savings (1-3 Years) → USE 91-Day or 182-Day T-Bills

Example Goal: Save for House Deposit in 18 Months

Strategy:

• Save Ksh 20,000/month
• Invest in 91-day T-Bills (rolling)
• After 18 months: Ksh 360,000 saved + Ksh 36,000 interest
• Total: Ksh 396,000

vs Bank Savings at 3%:

• Total: Ksh 369,000
• T-Bills gain: Ksh 27,000 extra

Medium-Term Savings (3-5 Years) → USE 364-Day T-Bills

Example Goal: Business Capital in 4 Years

Strategy:

• Invest Ksh 200,000 lump sum
• Reinvest in 364-day T-Bills each year
• 4 years at 14% average = Ksh 338,000
• Profit: Ksh 138,000

vs Fixed Deposit at 9%:

• Total: Ksh 283,000
• T-Bills gain: Ksh 55,000 extra

Long-Term Wealth (10+ Years) → DON’T Use T-Bills Exclusively

Why:

• T-Bills: 14% average
• Equity funds: 20%+ average long-term
• Over 20 years, 6% difference = massive wealth gap

Example (Ksh 10,000/month for 20 years):

• T-Bills at 14%: Ksh 7,000,000
• Equity fund at 20%: Ksh 15,000,000
• Difference: Ksh 8,000,000

Recommendation for Long-Term:

• 30% T-Bills (stability)
• 70% Equity funds (growth)
• Rebalance every 5 years

Frequently Asked Questions

Q: What is the minimum amount to invest in Treasury Bills in Kenya?

Answer: Ksh 100,000 minimum via CBK portal. Higher minimums via some banks.

CBK Direct (cbit.co.ke):

• Minimum first purchase: Ksh 100,000
• Subsequent purchases: Ksh 50,000
• Most Kenyans start with Ksh 100,000

Via Banks:

• Varies by bank
• Equity Bank: Ksh 100,000
• KCB: Ksh 50,000 (some branches)
• Cooperative: Ksh 100,000
• Check with your bank

Workaround for Smaller Amounts:

• If you have Ksh 10,000-50,000: Use Money Market Fund instead
• MMFs invest in T-Bills (you own T-Bills indirectly)
• No minimum (can start with Ksh 1,000)
• Returns: 10-11% (slightly lower than direct T-Bills but accessible)

See our Money Market Funds Kenya 2026 guide for Ksh 1,000-100,000 amounts.

Q: Can I withdraw my money before the Treasury Bill matures?

Answer: Yes, but you’ll sell at a discount and lose some returns. Better to plan properly and not need early withdrawal.

How Early Withdrawal Works:

Step 1: List on Secondary Market

• Log into CBK portal
• Offer your T-Bill for sale
• Example: Ksh 100,000 T-Bill, 200 days remaining

Step 2: Buyer Found (Maybe)

• Another investor buys your T-Bill
• Price: Usually 95-98% of face value (you lose 2-5%)
• You get Ksh 95,000-98,000 (lost Ksh 2,000-5,000)

Step 3: Money Received

• Credited to CDS account
• 1-3 days

The Problem:

• Finding buyer is not guaranteed (low liquidity)
• You sell at discount (lose money)
• Not recommended

Better Strategy:

• Don’t invest money you might need
• Keep emergency fund in MMF (2-3 day access)
• Use T-Bill ladder (monthly access)

Q: How safe are Treasury Bills in Kenya?

Answer: Safest investment in Kenya. Backed by government, never defaulted on domestic debt.

Safety Ranking (Safest to Riskiest):

1. Treasury Bills/Bonds (Safest)

• Backed by Kenya government
• Government can print money to pay (domestic debt)
• Never defaulted in Kenya’s history
• Risk: 0.1% (virtually zero)

2. Bank Deposits

• Protected by KDIC up to Ksh 500,000
• Slightly riskier than T-Bills (bank can fail)
• Risk: 0.5%

3. Money Market Funds

• Invest mostly in T-Bills (80%+)
• Not directly government-backed
• But underlying assets are T-Bills
• Risk: 1%

4. SACCOs

• Member-owned, deposits in T-Bills/banks
• SASRA-regulated
• Risk: 2-5% (depends on SACCO)

5. Corporate Bonds

• Company debt (KCB, Safaricom, KenGen)
• Company can default
• Risk: 5-10%

6. Stocks

• Company equity, can lose 50%+
• Risk: 20-50% (volatility, not default)

T-Bills = Safest Kenya investment available.

But: Not zero risk (government could theoretically default, but hasn’t in 60 years).

Q: Are Treasury Bills better than Money Market Funds?

Answer: T-Bills pay ~3% more (14% vs 11%), but MMFs are more flexible. Use both for different purposes.

Treasury Bills Win On:

• ✅ Returns: 14% vs 11% (27% higher!)
• ✅ Fees: Ksh 0 (CBK direct) vs 1-1.5% MMF management fee
• ✅ Direct government backing

Money Market Funds Win On:

• ✅ Liquidity: 2-3 days vs 91-364 days locked
• ✅ Low minimum: Ksh 1,000 vs Ksh 100,000
• ✅ Auto-reinvestment (no manual rebidding weekly)
• ✅ Easier (no CBK portal registration)

When to Use T-Bills:

• You have Ksh 100,000+ to invest
• Can lock money for 91-364 days
• Want maximum safe return
• Willing to manage CBK portal

When to Use MMF:

• You have Ksh 1,000-100,000
• Need emergency fund (access in 2-3 days)
• Want simplicity (no auction bidding)
• Building up to Ksh 100K for T-Bills

Smart Strategy (Ksh 300,000 to invest):

• Ksh 100,000: MMF (emergency fund, liquid)
• Ksh 200,000: T-Bills 91-day rolling (higher returns)
• Best of both worlds

Q: Do I pay tax on Treasury Bills?

Answer: Yes, 15% withholding tax on interest. Deducted automatically.

How Tax Works:

You Invest: Ksh 100,000 in 364-day T-Bill at 16.5%

Maturity:

• Principal returned: Ksh 100,000
• Gross interest: Ksh 16,500
• Tax deducted (15%): Ksh 2,475
• Net interest to you: Ksh 14,025

Total received: Ksh 114,025

You don’t pay tax separately. CBK deducts before paying you.

Do You Declare in Tax Return?

For Most Kenyans: No

• 15% WHT is final tax
• No need to file separately
• Done automatically

High Earners (Ksh 500K+/month):

• May need to declare
• Could owe additional tax if in top bracket
• Consult tax advisor

Compare to Other Investments:

Tax Best: SACCOs (0%) and NSE capital gains (0%)
Tax Neutral: T-Bills and Fixed Deposits (same 15% rate)

Q: Can I invest in Treasury Bills via M-Pesa?

Answer: Not directly to CBK. But Money Market Funds (which invest in T-Bills) accept M-Pesa deposits.

Direct T-Bill Investment (CBK):

• Requires: Bank transfer to CDS account
• M-Pesa NOT accepted (CBK doesn’t have M-Pesa integration yet)

Indirect via Money Market Fund:

• Invest Ksh 1,000+ via M-Pesa Paybill
• Fund buys T-Bills with pooled money
• You own units representing T-Bill exposure
• Returns: 10-11% (slightly lower than direct, but accessible)

Process (MMF via M-Pesa):

1. Choose MMF: GenAfrica (Paybill 222111), CIC (222222), Sanlam (220220)
2. Lipa na M-Pesa → Paybill
3. Enter account: Your phone number (for new investors)
4. Amount: Ksh 5,000 (example)
5. Confirm
6. You now own T-Bill exposure via MMF

When You Have Ksh 100,000 in MMF:

• Withdraw to bank
• Open CBK account
• Buy T-Bills directly (higher returns)

See our Money Market Funds Kenya 2026 and M-Pesa Savings Tips guides.

Conclusion: Should You Invest in Treasury Bills?

The simple truth: If you have Ksh 100,000+ sitting in a bank savings account earning 2-3%, you’re throwing away Ksh 11,000-14,000 per year.

Treasury Bills Make Sense When:

✅ You Have Ksh 100,000+ Available:

• Below Ksh 100,000: Use Money Market Fund (same underlying investment, lower minimum)
• Ksh 100,000+: Direct T-Bills worth the effort

✅ You Can Lock Money for 91-364 Days:

• Not emergency fund (use MMF for that)
• Known future need (house deposit in 12 months, school fees in 6 months)
• Money you won’t touch

✅ You Want Maximum Risk-Free Return:

• 14% net is best you’ll get with near-zero risk
• Better than banks (2-3%)
• Better than MMFs (11%)
• Government-guaranteed

✅ You’re Comfortable with Online Portals:

• CBK portal is not hard (20 minutes setup)
• But: Some people prefer bank in-person
• If tech-savvy: T-Bills are great

Treasury Bills DON’T Make Sense When:

❌ You Have Under Ksh 100,000:

• Use Money Market Fund instead (same returns, Ksh 1,000 minimum)
• Build up to Ksh 100,000, then switch to T-Bills

❌ You Need Emergency Access:

• T-Bills lock for 91-364 days
• Emergency fund must be accessible in 24-48 hours
• Use MMF for emergency fund

❌ You’re Investing for 10+ Years:

• T-Bills: 14% average
• Equity funds: 20%+ long-term
• For long-term, stocks/equity funds crush T-Bills
• Use T-Bills for stability portion only (30% of portfolio)

❌ You’re Not Comfortable with Online Systems:

• CBK portal requires computer/smartphone
• If you prefer in-person: Use bank T-Bill service (but you’ll pay fees)

The Smart Treasury Bill Strategy

For Most Kenyans with Ksh 200,000-1,000,000 to Invest:

Tier 1: Emergency Fund (3 Months Expenses)

• Money Market Fund: Ksh 50,000-150,000
• Liquid (2-3 day access)
• Returns: 10-11%

Tier 2: Short-Term Goals (1-3 Years)

• T-Bills 91-day or 182-day (rolling)
• Example: Ksh 200,000 in 91-day T-Bills
• Ladder: Buy monthly for rolling access
• Returns: 13-14%

Tier 3: Medium-Term (3-7 Years)

• T-Bills 364-day: 50%
• Balanced Unit Trust: 50%
• Returns: 15-16% blended

Tier 4: Long-Term (10+ Years)

• Equity Unit Trusts: 70%
• T-Bills 364-day: 30%
• Returns: 18-20% blended

Example (Ksh 500,000 to Invest):

• Emergency fund (MMF): Ksh 100,000 @ 11% = Ksh 11,000/year
• Short-term T-Bills 91-day: Ksh 200,000 @ 13.5% = Ksh 27,000/year
• Long-term Equity fund: Ksh 200,000 @ 20% = Ksh 40,000/year
• Total annual gain: Ksh 78,000 (15.6% blended return)

vs All in Bank Savings at 3%:

• Ksh 500,000 @ 3% = Ksh 15,000/year
• T-Bill/MMF/Equity strategy gains: Ksh 63,000 MORE per year

Over 20 years, that Ksh 63,000 difference compounds to millions.

Related Guides

Compare Safe Investments:

• Money Market Funds Kenya 2026 – 10-14% returns, lower minimum
• Best SACCOs Kenya 2026 – 12% dividends (0% tax) + loan access
• Unit Trusts Kenya 2026 – 15-25% long-term returns

Build Complete Investment Plan:

• How to Save Money Kenya – Foundation strategies
• How to Budget Kenya – 60-20-10-10 framework

Earn More to Invest:

• Side Hustles Kenya – 33 income opportunities
• Freelancing Kenya – Online income
• Remote Jobs Kenya – Work from home

Treasury Bills are the foundation of safe wealth building in Kenya. 14% government-guaranteed returns beat 90% of what banks offer. If you have Ksh 100,000, you have no excuse not to use T-Bills.

Open your CBK account this week. Your future self will thank you.

Last Updated: March 12, 2026 | T-Bill rates current as of March 2026, CBK portal process verified, tax treatment confirmed