Cash Management Trust
A Cash Management Trust can hold cash and anticipated proceeds such as insurance benefits, pension benefits, and investments. It's suitable for families looking to create a structured pool of funds for future financial needs without transferring complex assets such as property or businesses.
Best suited for families looking to create a structured financial fund and potentially direct future insurance or retirement benefits into a planned wealth structure — for education, healthcare, and family upkeep.
Get StartedBuilt around what actually matters
Accessible From KSh 5,000
Start with a minimum funding of approximately KSh 5,000, making this one of the most accessible ways to begin structured wealth planning.
Professional Investment Management
Your funds are professionally managed and invested, with potential returns based on the underlying investment strategy and market performance.
Built For Real Needs
Suitable for education, healthcare, and family upkeep — practical purposes your family will actually use.
Simple To Establish
A relatively straightforward structure to set up compared to more complex trust arrangements.
How Cash Management Trust works
Establish The Trust
Define the purpose of the trust and determine how you want the assets to benefit your loved ones.
Appoint A Trustee
Select a suitable trustee to manage the trust assets according to the trust deed and applicable requirements.
Fund The Trust
Transfer eligible assets into the trust — cash, investments, or designated future benefits like insurance proceeds.
Manage & Invest The Assets
The trustee manages the assets in accordance with the trust's objectives and applicable risk considerations.
Distribute Benefits
Beneficiaries receive support according to the rules you established, ensuring funds are used for their intended purpose.
Frequently Asked Questions
Do I need a will if I already have a trust?
Yes. A trust only controls the assets placed in it. A will covers everything else you own, names guardians for young children and gives instructions for your estate. The two work best together.
Does my insurance payout go through probate?
If you nominate a beneficiary or a trust on your policy, the benefit is normally paid directly and does not wait for the succession process. If no one is nominated, the payout becomes part of your estate and can be delayed until the court process is complete.
Can I change the trust once it is set up?
It depends on how the trust deed is written. Some trusts allow the person who set them up to amend terms or add beneficiaries; others cannot be changed once created. We help you decide how much flexibility to build in from the start.
Who should I appoint as a trustee?
Choose people or a professional trustee you trust to act fairly, who understand money and will be available for the long term. Many families combine a trusted relative with a professional trustee, so there is both personal knowledge and continuity.
How quickly can beneficiaries access funds from a trust?
Because trust assets are not part of your estate, trustees can usually start supporting beneficiaries soon after a death, according to the trust deed, without waiting for succession proceedings that can take months or years.
Can a trust hold my business?
A Family Trust can hold shares in a company, property and investments, which helps a business pass smoothly to the next generation. A Cash Management Trust is designed for cash and expected proceeds such as insurance and pension benefits rather than businesses or property.
Is estate planning only relevant when someone dies?
No. A good estate plan also protects your family if you become ill or unable to manage your affairs, keeps a family business running, and lets you set clear rules now for how assets support your children's education and upkeep.
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