Invest Differently.
Most Kenyan portfolios live entirely in one economy. OAK grows yours across Kenyan and global markets in a single, professionally managed fund, held under independent trusteeship from KES 500,000.
Licensed by the Capital Markets Authority as a Special Collective Investment Scheme
Why limit your money to one market?
Local shares, local bonds, local currency: that concentration carries a cost you only notice when the local cycle turns. OAK is a Leveraged Asset Allocation Fund, which means our investment team actively allocates your capital across asset classes and geographies as conditions change, rather than holding a fixed basket and hoping. Kenya offers genuine opportunity; global markets offer what Kenya alone cannot. OAK holds both, in one regulated structure, available as a KES fund and a USD fund, and both are open to every investor.
Trustee Co-operative Bank. Custodian I&M Bank. Inception February 2024. Regulated by the Capital Markets Authority of Kenya.
What your money can hold.
One fund, allocated actively across eight asset classes at home and abroad, so your portfolio stays diversified and balanced as conditions change.
NSE equities
Listed Kenyan companies, targeting growth in the market we know best.
Government securities
Kenya Government bonds and bills, the stable core backed by the sovereign.
Commercial paper
Short-term instruments from reputable corporates, adding yield and liquidity.
NSE derivatives
Exchange-traded futures used to position and protect the local book.
Global stocks and ETFs
International companies and exchange traded funds, beyond one economy.
Sovereign bonds
Government debt from major economies, in hard currency.
Foreign exchange
Active participation in international currency markets as conditions move.
Precious metals and commodities
Gold, silver, platinum, and essential raw materials, a hedge against uncertainty.
What leverage means for you
As a Special CIS, OAK may use leverage: borrowing or derivative positions that can increase the fund's exposure beyond its capital. Leverage can amplify gains and it can equally amplify losses. It is applied within the limits of the fund's CMA-approved mandate, and it is one reason OAK is built for investors who understand that higher potential reward carries higher risk. If you are unsure whether that profile suits you, speak to an advisor before applying.
We report OAK performance openly.
Past performance is not an indicator of future results. The mandatory compliance disclaimer remains permanently visible beneath the graph, and performance publishes only on CMA-approved data.
We will take you from decision to invested in four steps.
Apply online
The application below takes about ten minutes. You will need your ID or passport, KRA PIN, and proof of your bank account.
Verification
Our team completes your KYC checks and confirms your account, usually within two working days.
Fund your investment
Transfer your initial investment of KES 500,000 or more, with top-ups from KES 50,000 whenever you choose.
Track your investment
Follow your holding through the OAK app and your periodic statements, with our team a call away.
Begin your OAK application.
This takes about ten minutes. Your information is encrypted, used only to open your investment, and handled under our Privacy Policy. A member of the OAK team confirms your verification within one working day.
Questions first? Write to oak.fund@fib.co.ke or call or WhatsApp +254 759 777 666.
Read it before you invest.
OAK KES fact sheet
The fund's mandate, structure, service providers and key terms on one page.
Download the fact sheetOAK USD fact sheet
The dollar-denominated fund, open to all investors.
Download the fact sheetThe OAK Investor Guide
A plain-language walkthrough of how the fund works, what it invests in, and what the risks are, written so you can decide with clear eyes.
Send me the guideEvery fact sheet and annual report, dated and current
Quarterly OAK KES and OAK USD fact sheets together with the Faida Unit Trust Funds annual reports, each new edition added the week it is released.
Browse the libraryMeet the people running OAK.
The people responsible for the fund, each linking to a full biography.
Your safeguards are independent of us.
Good fund design separates the people who manage your money from the people who hold it, and OAK is structured exactly that way. Co-operative Bank, one of Kenya's largest banks, oversees the fund as trustee in the interest of investors. I&M Bank holds the fund's assets in safekeeping as custodian. Faida Investment Bank manages the investments under the oversight of both and the regulation of the Capital Markets Authority. Your money never sits solely in the manager's hands, and that is by design. It is how the fund stays trusted, transparent, and tactful in practice.
Questions investors ask us.
What exactly is a Special Collective Investment Scheme?
It is a category of fund licensed by the Capital Markets Authority for strategies that go beyond conventional unit trusts, including the use of leverage and global assets. The licence means the CMA has reviewed and approved the fund's structure, mandate, and service providers, and supervises it on an ongoing basis.
Is my money safe with the fund manager?
Your money does not sit with the fund manager alone. Co-operative Bank, as trustee, oversees the fund in investors' interests, and I&M Bank, as custodian, holds the fund's assets. Faida manages the investments within a CMA-approved mandate under that oversight. Investment risk remains, as it does in any market-linked product, but structural risk is controlled through this separation of roles.
Who is OAK designed for?
Investors who can commit at least KES 500,000 for a minimum of six months and who want professionally managed exposure beyond what the local market alone offers. Many of our investors are building long-term wealth alongside their business or career and want their capital diversified across currencies and asset classes without managing it daily themselves.
What does the six-month lock-in mean in practice?
Each amount you invest stays in the fund for at least six months from the date it is invested. After that, you may redeem in line with the fund's redemption terms. The lock-in exists so the investment team can hold positions through short-term volatility rather than selling at the worst moment to meet withdrawals.
What is the difference between OAK KES and OAK USD?
The same investment philosophy in different base currencies, and both funds are open to every investor. OAK KES suits those earning and planning in shillings, while OAK USD suits anyone who prefers their investment denominated in dollars or wants to diversify currency exposure. Our team can help you decide which fits your situation, and some investors hold both.
What are the risks I should weigh before investing?
Market risk, since asset values rise and fall. Currency risk, since global holdings are affected by exchange rates. Leverage risk, since borrowed exposure amplifies movements in both directions. Liquidity terms, since your capital is committed for the lock-in period. The Information Memorandum sets these out in full, and we would rather you read it and ask hard questions than invest on enthusiasm alone.
How do I follow how my investment is doing?
Through the OAK app, your periodic statements, and the fund's published fact sheets. You can also contact the OAK team directly at any point, and a named person, rather than a call centre, handles your account.
Can I invest from outside Kenya?
Yes. Both funds are open to investors anywhere, and the application, verification, and funding process is handled entirely online. Start the application and our team will guide you through any additional documentation your country of residence requires.
How do I top up, and is there a minimum?
Top-ups start at KES 50,000 and can be made whenever you choose. Each top-up carries its own six-month lock-in from its investment date.
What happens if I need my money in an emergency before the lock-in ends?
Speak to the OAK team. The lock-in is a term of the fund and we are honest about that at the point of sale, which is why we advise investing money you will not need within six months. Our advisors will always discuss your full picture before you commit.
