UTT AMIS Investments Explained
UTT AMIS is the Unit Trust of Tanzania's investment platform, letting you buy units in pooled funds — money market, bonds, balanced or education funds. This guide explains how the funds differ, how returns are calculated and compounded, and what the figures on the calculator mean before you invest a shilling.
The short answer: UTT AMIS is Tanzania's unit trust platform, where you buy units in pooled funds such as money market, bond and balanced funds. Returns are indicative and can fall as well as rise; the calculator projects a lump sum and any monthly contributions at the rate you assume.
Filed under Loans & Finance
Maintained by David M at Delta Tech Solutions · Figures last checked 10 October 2026 · Next check due 10 April 2027
Content updated 24 October 2026
UTT Calculator
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What UTT AMIS is
UTT AMIS (UTT Asset Management and Investor Services) is Tanzania's unit trust platform. When you invest, your money is pooled with other investors' and used to buy units in a fund. Your investment is valued by the fund's unit price, which moves with the fund's returns.
The funds UTT offers
UTT offers several funds with different risk and return profiles: the Money Market Fund (indicative ~8% p.a.), Liquid Fund (~9%), Bond Fund (~11%), Balanced Fund (~13%) and the Jikimu education fund (~12%). These are indicative, not guaranteed — the calculator uses the same figures to project growth.
| Fund | Indicative annual return | Risk profile | Notes |
|---|---|---|---|
| Money Market Fund | ~8% | Lower | Short-term; the lowest-risk fund listed |
| Liquid Fund | ~9% | Low | Short-term; check the exit terms |
| Bond Fund | ~11% | Medium | Government and corporate bonds |
| Balanced Fund | ~13% | Higher | A mix of assets; higher risk than the money market fund |
| Jikimu Education Fund | ~12% | Medium | Education goal; check the fund terms |
How returns compound
Returns are compounded monthly: each month's return is earned on the previous balance, so growth accelerates over time. The calculator applies the fund's annual rate as a monthly rate over your chosen number of years, and also compounds any monthly contributions you add.
Lump sums, monthly contributions, and the calculator
You can start with a lump sum, add fixed monthly contributions, or both. The UTT calculator projects the future value from your starting amount, your monthly top-up, the fund's indicative return and the time horizon, and also shows how much of the result is your own money versus growth.
Fees and exit terms decide more than the headline return
A fund's published return is not what a member receives. Charges reduce it, and the terms on getting money out decide whether the return was ever yours to spend.
Before comparing a fund with a bank deposit, ask what the annual management fee is, whether it is charged on the balance or on contributions, and whether there is a fee to join or to leave. The site does not publish UTT's current fee schedule, so check it with UTT rather than assuming it is small.
Ask how long a withdrawal takes and whether a partial withdrawal is allowed. A fund that pays a good return but takes weeks to release money behaves differently from a savings account, and that difference is the one people discover at the wrong time.
Neither the fund's past return nor this site's calculator is a projection. A fund's units can fall as well as rise, and the calculator applies the rate you type in rather than a rate the market will produce.
What 1,000,000 TZS becomes in five years
A 1,000,000 TZS lump sum in the UTT Money Market Fund (8% indicative p.a.) would grow to about 1,489,846 TZS after 5 years with no extra monthly contributions.
Salma had 1,000,000 TZS sitting in a bank account in Tanga, earning nothing she could see, and moved it into the money market fund as a lump sum. She adds nothing monthly.
Risks to watch
Unit trust returns are not guaranteed and the value of your units can fall as well as rise. The return percentages shown are indicative, not promises, and they change — always confirm the current rate with UTT AMIS before investing, and only invest money you can leave invested for your intended horizon. Illustrative assumptions reviewed: 8 September 2026.
Results are estimates provided for information only and do not constitute financial, legal or tax advice. Consult a qualified professional before making financial decisions.
UTT AMIS Investments Explained FAQs
What is AMIS?
AMIS is the Unit Trust of Tanzania's investment platform for buying units in pooled funds such as money market, bond, balanced and education funds.
Are UTT AMIS returns guaranteed?
No. Fund returns are indicative and the unit price can fall as well as rise — they are not like a fixed bank deposit.
Which UTT fund is lowest risk?
The Money Market Fund is generally the lowest-risk option (short-term, lower indicative return), while the Balanced Fund aims higher but carries more risk.
Can I add monthly contributions?
Yes. Enter a monthly contribution in the calculator to see how regular top-ups compound alongside your starting lump sum.
Is the return on a unit trust guaranteed?
No. A unit trust's value can fall as well as rise, and charges reduce whatever return is earned. The calculator applies the rate you enter, which is an assumption rather than a forecast.
How is the UTT return calculated?
The calculator treats the annual rate you choose as a monthly rate and compounds it, including any monthly contribution. The rate is an assumption, not a forecast, and fund charges are not deducted from the result.
Can I withdraw my UTT money at any time?
Withdrawal terms depend on the fund and are set by UTT AMIS. Ask how long a withdrawal takes and whether a partial withdrawal is allowed before investing; a fund holding less liquid assets may take longer.