Grow Your Money with MoMo Y’Invest

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Saving money is important—but what if your savings could grow while sitting in your mobile wallet?

That’s exactly what MoMo Y’Invest aims to do. This simple, affordable mobile investment service allows anyone with an MTN Mobile Money account to start investing with as little as UGX 1000.

In partnership with licensed fund managers like Sanlam Investments East Africa Ltd, MoMo Y’Invest gives you a secure and accessible way to build wealth without needing a bank account or financial advisor.

What is MoMo Y’Investa?

MoMo Y’Invest is a digital investment platform integrated into MTN Mobile Money. It enables you to invest small amounts of money in a unit trust fund managed by certified professionals. Think of it as a savings tool that works harder—your money doesn’t just sit idle; it earns daily interest through diversified investments.

The service is provided in collaboration with Sanlam Investments East Africa Ltd, one of the region’s trusted asset managers, ensuring your funds are professionally handled and well-protected.

The idea is simple: turn your idle mobile money into an earning asset. Instead of keeping cash sitting in your wallet, you can put it into a professionally managed fund that earns interest daily or monthly.

How MoMo Y’Investa Works

Using MoMo Y’Invest is simple and mobile-first:

1. 1. Dial 165*7*1# (in Uganda) or open the MoMo App.
   2. Select MoMo Y’Invest from the menu.
   3. Choose to invest, withdraw, or check balance.
   4. Enter the amount (starting from UGX 1000).
   5. Confirm with your MoMo PIN.

That’s it. No paperwork, no queues, and no complicated forms.

Where Is Your Money Invested?

When you invest through MoMo Y’Invest, your money is pooled with other users’ funds and placed in a unit trust fund. This fund is professionally managed by Sanlam and others, who allocate the money across:

• • Government Treasury Bills and Bonds

• • Bank Fixed Deposits

• • Corporate Bonds

• • Carefully selected low-risk assets

Your returns come from the income these investments generate, and your earnings are reflected in your Y’Invest balance.

Benefits of Using MoMo Y’Investa

Start Small

You only need UGX 1000 to begin. This makes investing accessible to anyone, regardless of income level.

• No Bank Required

No need for a traditional bank account. All transactions happen through your MoMo wallet.

• Easy Withdrawals

Withdraw funds anytime back to your wallet without penalties or long wait times.

• Professional Fund Management

Sanlam Investments East Africa Ltd ensures your money is managed securely by experts, adhering to regulatory standards.

• Earn Interest

Your investment grows passively over time—far better than money sitting unused in your wallet.

What Are the Costs?

While MoMo Y’Investa is affordable, it’s important to understand the associated costs:

Fee	Details
Management Fee	Typically 1%–2% per annum, deducted from your returns
Withdrawal Fee	Minimal, usually 0%–1%, depending on amount and policy
Mobile Money Charges	Standard MoMo transaction fees may apply (especially on withdrawal)
No Capital Guarantee	Your investment value can fluctuate with market performance

Is MoMo Y’Investa Safe?

Yes. Your funds are handled by licensed and regulated fund managers, such as Sanlam, under the oversight of Uganda’s Capital Markets Authority.

Although not insured like a savings account, the investment strategy is conservative and aims to preserve capital.

Who Is This Service For?

MoMo Y’Investa is ideal for:

• • Students saving for future goals
  • Small business owners with surplus daily cash
  • Workers looking to build savings quietly over time
  • Anyone who wants to start investing without complex setups

How to Check Your Investment

To view your balance or track your returns:

1. 1. Dial *165*7*1#
   2. Select (1) Yinvest
   3. Enter your Momo pin
   4. Select (1) again and choose “Check Balance”
2. Or go to the MoMo App, tap “Y’Invest” on the home screen

You’ll see your current balance, total investment, and earnings to date.

Final Thoughts: Should You Use MoMo Y’Invest?

If you’re ready to move beyond just saving and want your money to start working for you—MoMo Y’Invest is a smart place to start. It’s accessible, secure, and gives you a taste of real investing without the complexity.

Whether you’re investing UGX 1000 or UGX 50,000, MoMo Y’Investa makes it possible to build wealth one step at a time—right from your phone.

How to Get Started

1. 1. Dial 165*7*1#
   2. Choose MoMo Y’Invest
   3. Enter pin
   4. Select (1)
   5. select invest
   6. select choice 1
   7. Enter your amount (UGX 1000 minimum)
   8. Confirm with your PIN

1. Done! Your investment is active.