Service · Savings & Investments

Make every shilling work harder.

Grow an emergency fund, save for a goal or invest for the long term, starting with small amounts topped up by M-PESA.

Start saving with Nella Ask on WhatsApp

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A young professional woman checking her savings on her phone at a café table, smiling.

Who it's for

Saving made simple.

Young professionals

Build an emergency fund and good habits from your first payslips.

Chamas & groups

A home for group savings that earns more than a current account.

Goal savers

Saving for a plot, a wedding, a car or a business? Give the money a job.

What's covered

What you can invest in.

Exact benefits depend on the ICEA LION plan you choose. I'll go through every one with you.

Confirm against ICEA LION product sheet

Money market fundA lower-risk home for short-term savings and emergency funds, with easy access.
Unit trustsFunds that invest in shares, bonds or a mix, for longer-term growth.
M-PESA top-upsAdd small amounts whenever you can, straight from your phone.
Regular statementsSee your balance and growth clearly, and review it with me.

Why it matters

Small amounts, big difference.

Many people tell me they will start saving once they earn more. But the habit matters more than the amount. Topping up a fund with a few thousand shillings each month, every month, builds a cushion faster than most people expect, and means the next emergency doesn't become a loan.

Illustrative scenario, not a real client.

How it works

Three simple steps.

Set your goal
An emergency fund, a specific purchase or long-term growth: each needs a different fund.
Pick the right fund
I explain risk, access and costs, so you choose with confidence.
Top up and track
Add money by M-PESA and review your progress with me.

Questions

Savings & Investments FAQs.

Can't see yours? Send me a WhatsApp. I usually reply the same day.

How much do I need to start?

Minimum amounts are low and depend on the fund. I will confirm the current minimum when we talk.

How quickly can I get my money?

Money market funds are designed for easy access, usually within a few working days. Other funds may take longer. I will explain the details for each fund.

Are returns guaranteed?

No. Returns vary and the value of investments can go down as well as up. Past performance is not a guide to future returns.

Can a chama invest?

Yes. Groups can open an account with the right documents. I can guide your chama through the process.

Make every shilling work harder.

Saving made simple.

Young professionals

Chamas & groups

Goal savers

What you can invest in.

Small amounts, big difference.

Three simple steps.

Set your goal

Pick the right fund

Top up and track

Savings & Investments FAQs.

Let's build your plan together.