What Are the Expected Returns and Risks?

As with any investment or savings activity, the returns generated through Kiganga IC's investment products, including unit trusts and other asset management instruments, will vary depending on market performance and are not guaranteed. Past performance of any investment product used by the club should not be treated as an assurance of future returns. All investments carry a degree of risk, including the possibility of loss of capital, and members should approach their participation in Kiganga IC's investment activities with this understanding.

For loans extended by Kiganga IC to its members, interest rates are set to be fair and broadly comparable to SACCO lending rates, balancing the need to support members' business growth with the need to keep the club's lending fund sustainable for future borrowers. Members who take loans are expected to meet their repayment obligations in full and on schedule, both to protect their own standing within the club and to ensure that funds remain available for other members.

Kiganga IC encourages all members to seek a clear understanding of the terms, expected performance, and risks associated with any investment product the club participates in, and to raise questions with the club's leadership before committing further contributions. Where relevant product information or fact sheets are available from the asset managers Kiganga IC works with, members are encouraged to review these documents as part of making informed decisions about their participation in the club's investment activities.