For entrepreneurs
Idle cash is a silent expense.
Every shilling sitting at zero in a current account is paying inflation for the privilege. The fix isn't exotic — it's matching each layer of cash to an instrument that earns without locking you out.
The ladder
Match the money to its calendar.
Days-away money: money market funds
The buffer that covers payroll surprises and supplier timing. MMFs settle in days, hold short-dated instruments, and earn while they wait. This layer is about access first, return second.
Months-away money: treasury bills
Cash with a known horizon — a tax bill, a planned purchase, a season. Bills of staggered tenors mean something is always maturing back into reach.
Years-away money: bonds and beyond
Surplus the business genuinely won't call. Longer-dated government paper for income — or, better, the start of the portfolio that lives outside the company entirely.
Run your numbers
See what your idle balance is giving away.
What idle cash costs you
Your money, your assumptions — this is arithmetic, not a quoted rate or a promise of returns.
- Invested at your assumed yield, after 3 years
- KES 1,348,182
- Left idle at zero, the difference is
- KES 348,182
Illustration only, before fees and tax; compounding assumed monthly. Not investment advice, and not a projection of any Ndovu product.
Wondering how this fits the bigger picture? Back to the entrepreneurs hub →
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