After a careful analysis, its never worth the hustle to invest in a unit trust. The return on investment is just too little to warrant the hustle. You invest and wait for 12 months to get just 10% return on investment. You are better off putting the money in your bank account (not fixed deposit) for the following reasons:
1) The amount may improve your credit rating with the bank in case you need loans in future.
2) There are business opportunities that arise in the course of the year that require urgent cash. Such business opportunities often have great returns and require the cash in matters of hours or at most 48 hours. It takes at least 4 business days to liquidate the money market fund. For instance, you may spot a piece of land that is being disposed by a bank at a throw away price etc.
3) Some of these money market funds champion for lipa na mpesa which eats into the anticipated profits. After all transaction costs, the real return is even much lower than 9%.
4) Put your money where your mouth is. I think the person who benefits from Unit Trusts such as Zimele are the owners because they get loans at a fixed 9% and invest them for better returns...9% loans per year is a very cheap loan from their point of view.

how was your experience with ICEA & CIC ?

ICEA are rather conservative so their returns are pretty low. Otherwise good service all round but a bit slow to adopt new technologies...

CIC have been quite aggressive and therefore have good returns. Very good customer service as well. They respond to requests very quickly. I once got money out and into my acc in 24h.

BRITAM have slightly better returns than CIC but their customer service is hopeless! They rarely respond to emails - and when they do it is several days later. I recently tried to re-activate my account and they did not respond to my emails and tweets for three weeks! Then I sent them a message that I have some 250m to invest - they came running!