Ziada Fund is a short-term, low-risk collective investment scheme designed for investors who want to preserve capital while earning competitive returns.
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Ziada Fund
Africa Pension Fund (APeF) introduces an open-ended money market insurance-linked unit
trust scheme designed to help investors grow their savings while enjoying life insurance
protection. It combines returns with safety, liquidity and insurance cover.
The fund invests in Treasury Bills, Corporate Bonds, Call and fixed deposits, and Treasury
Bonds.
Benchmark: Performance Yield of the 2-Year Treasury Bond.
Our Goal
- Promote disciplined saving and long-term capital growth.
- Provide insurance protection against death, total and permanent disability, and funeral benefits.
- Encourage financial inclusion through accessible investment solutions.
Who can invest?
Conservative individuals, institutions, companies, associations, and groups seeking to temporarily deploy their capital over a short horizon while preserving principal, ensuring security, and generating enhanced returns.
Ziada Account Eligibility
Age Requirements
At least 18 years of age. Minors under 18 can invest through a parent/guardian” Is it necessary to say 16 years if from the US when investors must be from TZ or SADC? Might be worth mentioning that under 18 can invest via a parent/guardian
ID & Documents
Valid ID required: NIDA, Passport, Drivers License or Voters ID
Deposit
Min Deposit of 50,000/= for account opening.
Residency & Citizenship
Tanzanian or SADC resident
Why Choose Ziada Fund
Ziada Fund offers a smart alternative to traditional bank deposits for short-term and conservative investors.
It targets competitive, stable returns while prioritising capital protection through diversified money market and short-term debt investments.
The Fund is highly liquid, allowing full or partial withdrawals, with redemptions processed within three business days.
There are no entry or exit loads, ensuring cost-efficient access to capital.
Ziada Fund units may be accepted by participating financial institutions as collateral for financing, subject to the lender’s credit assessment and applicable terms.
Investors also benefit from flexible top-ups, daily publication of Net Asset Value (NAV), and a fully regulated structure under the oversight of the Capital Markets and Securities Authority.
Insurance Benefits (through Alliance Life Assurance)
- Coverage includes death, total & permanent disability, and funeral benefits for up to four children.
- Premium Rate: 0.25% of NAV per annum, paid annually in advance.
- Waiting period of six months on non-accidental causes.
- Funeral (child) benefit ranges from TZS 250,000 to TZS 1,000,000 depending on NAV balance.
Offer Details
Opening Date: 26 January 2026
Closing Date: 13 March 2026
Price per Unit During Initial Sale: TZS 100
Minimum Initial Investment: TZS 50,000
Subsequent Investment: TZS 10,000
Minimum for Insurance Cover: TZS 250,000
Commencement of Insurance Policy: 26 January 2026
How to Invest
- Mobile App: Download the APeF App from Google Play Store or Apple Store.
- Web: Visit apef.apef.co.tz to register and invest.
- USSD: Dial *150*74# for instant access.
- Collecting (receiving) agents:
- Any of the branches of EXIM Bank
- Any of the branches of the Azania Bank
- Any of the branches of Mwanga Hakika Bank
- Any of the branches of CRDB Bank
- Any of the branches of NMB Bank
- Any of the branches of NBC
- Any of the branches of COOP Bank
Earn the best interest in the market with Ziada Fund.
Perfectly simple easy distinguish to the claims of duty...
24/7 Online Access
Access your funds anytime, anywhere with our state-of-the-art mobile app and web portal.
Investment Report
May 25, 2026
Summary
Total Amount Invested
Total Amount Gained
Total Balance
Required Documents
Required Documents for Application
Please upload the necessary documents to complete.
- Offer Document
- Account Opening Form [For Individuals, Joint and Corprate]
- Redemption form
- Resident [Identification Documents, Social Security Card]
- Complaint forms
How It’s Work
Start Banking With in 5 Mins
01
Verify Customer
Our "Do it yourself" model is a very intuitive 5 step process for KYC
02
Documentation
Upload your Documents, NIDA / Passport / Driver's License / Voter's ID
03
A/c Verification
Start Investing with Ziada Fund via Mobile Wallets / Bank of your choice
| Date | Unit Class | Net Asset Value | Units | NAV/Unit | Sale Price | Repurchase Price |
|---|---|---|---|---|---|---|
| 5/15/2026 | Non-Insured | 12,595,624,227.72 | 122,993,628.6300 | 102.4088 | 102.4088 | 102.4088 |
| 5/15/2026 | Insured | 2,094,135,368.38 | 20,449,703.6100 | 102.4042 | 102.4042 | 102.4042 |
| 5/14/2026 | Non-Insured | 12,593,266,371.49 | 122,990,224.5400 | 102.3924 | 102.3924 | 102.3924 |
| 5/14/2026 | Insured | 2,130,464,166.16 | 20,807,753.4000 | 102.3880 | 102.3880 | 102.3880 |
| 5/13/2026 | Non-Insured | 12,590,754,287.78 | 122,985,242.9100 | 102.3761 | 102.3761 | 102.3761 |
| 5/13/2026 | Insured | 2,127,102,577.29 | 20,778,194.4900 | 102.3719 | 102.3719 | 102.3719 |
| 5/12/2026 | Non-Insured | 12,582,583,382.77 | 122,924,525.9700 | 102.3602 | 102.3602 | 102.3602 |
| 5/12/2026 | Insured | 2,116,525,236.18 | 20,678,053.9200 | 102.3561 | 102.3561 | 102.3561 |
| 5/11/2026 | Insured | 2,095,948,843.53 | 20,480,184.7100 | 102.3403 | 102.3403 | 102.3403 |
| 5/11/2026 | Non-Insured | 12,578,397,034.62 | 122,902,756.3200 | 102.3443 | 102.3443 | 102.3443 |
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01What is Ziada Fund?
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02Who can invest in Ziada Fund?
Individuals, institutions, companies, associations, and groups seeking capital growth with a strong focus on safety and liquidity.
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03What does Ziada Fund invest in?
The Fund invests in diversified money market and high-quality short-term debt instruments.
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04Is Ziada Fund safe?
Ziada Fund prioritises capital preservation through diversification and conservative investment strategies. Eligible investors also benefit from insurance cover of up to TZS 100 million.
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05How much do I need to start?
The minimum investment amount is specified in the Fund’s Offering Document and will be communicated during onboarding.
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06How do I invest in Ziada Fund?
You can invest through multiple convenient channels: • Mobile App: Download the APeF App from Google Play or the Apple App Store. • Web Portal: Visit www.apef.co.tz to register and invest online. • USSD: Dial *150*74# for instant access. • Collecting (Receiving) Agents: Visit any branch of participating partner banks.
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07Can I add more money after investing?
Yes. You can top up your investment at any time with no entry fees.
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08How do I withdraw my money?
You may request a full or partial withdrawal at any time through our Mobile app, USSD and Repurchase form share to our email apef@apef.co.tz or whatsapp +255 795 888 123 Redemptions are processed within three business days.
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09Are there entry or exit fees?
No. Ziada Fund has no entry loads and no exit loads.
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10Can Ziada Fund units be used as loan collateral?
Ziada Fund units may be accepted by participating financial institutions as collateral, subject to the lender’s credit assessment and applicable terms.
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11How are returns calculated?
Returns are reflected in the daily movement of the Fund’s Net Asset Value (NAV).
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12How do I track my investment?
The Fund publishes its Net Asset Value (NAV) daily to ensure transparency.
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13Is Ziada Fund regulated?
Yes. Ziada Fund is fully regulated and supervised by the Capital Markets and Securities Authority.
