The Stanbic IBTC Money Market Fund does not have a fixed interest rate like a bank savings account.

Instead, the interest changes based on market conditions (Treasury Bills, fixed deposits, etc.).

Current Stanbic IBTC Money Market Fund Interest (Latest)

Indicative Yield: about 15.34% per year (recent figure)

2026 Year-to-Date Return: around 19.63%

Recent Annual Yield Range: roughly 15% – 20% per year depending on market conditions

This means:

Some months → 14%

Some months → 17%

Some periods → even close to 20%

Because money market funds change with interest rates in Nigeria.

Example (How Much You Can Earn)

If:

You invest ₦100,000

Average return 16% per year

Estimated yearly return:

₦100,000 × 16% = ₦16,000 per year

Monthly ≈ ₦1,300 (approx)

Why The Interest Changes

The fund invests in:

Treasury Bills

Commercial Papers

Fixed Deposits

So when interest rates in Nigeria go up → your returns go up

When interest rates drop → returns drop

Important Things to Know

Minimum investment: ₦5,000

Risk level: Low (not zero risk)

Withdrawal: usually 1–2 working days

Interest: compounds daily (very important advantage) �

stanbicibtccapital.com

My Honest Take

Stanbic IBTC Money Market Fund is:

✔️ Good for beginners

✔️ Better than savings account

✔️ Good for emergency funds

✔️ Good for short-term investing