XENO is a goal-based investment platform that helps individuals, families, SACCOS, Investment Clubs and Institutions plan, save and invest for their financial goals.

XENO allows anyone with an MTN MoMo account to set financial goals, automate savings, track progress, and make investments—all from their mobile phone, even without the internet. Dial *165*5*7# to start.

Goal-based investing is an approach that aims to help you devise a plan to save and invest your current earnings smartly to accomplish a specific financial goal in the future. We all have financial goals but sometimes we do not know how much it will cost, how much to save today, or where to invest the savings to achieve future goals.

A goal-based approach evaluates every investment, asset and/or strategy based on its ability to help you reach your financial goals. Your objective might be to have a secure retirement, fund your child’s university education, or save up for a down payment on a home. Each of these goals has a different time horizon, risk tolerance, and level of priority. Success is defined by how well the investment helps you reach your goal within the desired time horizon, and not by earning the highest returns in any given year.

Read more about Goal Based Investing

1. Select Your Goal: Define what you’re saving for—be it retirement, education, or any other goal.

2. Set Your Target: Specify the amount you aim to save.

3. Determine Your Time Horizon: Decide the timeframe within which you wish to achieve your goal.

4. AutoSave: Opt for automated savings to ensure consistent contributions. Alternatively, you can make one-time deposits.

5. Track Your Success – Monitor both the investment performance as well as the progress towards your chosen financial goals.

6. Returns distribution – Your investment returns are accrued and distributed every single day, and your portfolio value reflects the gains or losses in the market value of the underlying assets. Transparency is fundamental to XENO.

No need for a separate app—everything is done through your MTN MoMo account. Just make sure you have an active MTN number to begin your investment journey.

1. Dial *165*5*7#

2. Accept the XENO terms and conditions.

3. Set your XENO Pin

4. Re-enter your XENO Pin to confirm

5. Select 1. Start Investing

6. Choose your investment preference: #1 Personal

7. Select your financial goal, such as building a home, owning a home, funding education, etc.

8. Choose the frequency at which you want to save toward your goal: Daily, Weekly, Monthly, or just once.

9. Specify the amount you’d like to invest each month, week or day.

10. Authorise XENO to deduct selected amount for the specified period.

11. Enter your Mobile Money PIN on your phone to confirm your deposit.

XENO AutoSave is a feature that simplifies your investment journey by effortlessly transferring funds from your MTN MoMo Wallet directly to your XENO goal. No more manual transfers, no more missed savings opportunities. Set it once, and forget it.

You can start with as low as UGX 10,000. However, we realize everyone’s circumstances are different. One can start with a modest minimum amount and periodically add to their investment account (e.g. monthly contributions) over the investment horizon. Alternatively, you could decide to define a goal (e.g. retirement) and invest a lump sum amount at the beginning.

1. Dial *165*5*7#

2. Enter Your XENO Pin

3. Select 2. Make Deposit

4. Select 1. For Self

5. OR 2. For Another User

6. Enter the Goal Number of where to make your deposit

7. Enter the amount to deposit

8. Select 1. Confirm your deposit

Deposits from MTN MoMo to your XENO goal are completely free.

Yes! Of course. Once you visit the platform, you will at first identify one goal (e.g. Build Wealth) to set up your investment account. You can then log into your XENO profile and add another investment goal (e.g. Fund Emergencies or Fund Education). However, each goal must have a minimum of UGX 10,000.

All client funds are invested across four asset classes in combinations that are consistent with your unique investment plan.

· Money Markets (financial instruments with maturities of 1 year or less e.g., Treasury bills, fixed deposits, call deposits, etc.),

· Bonds (financial instruments with maturities of 2 years or more issued by governments and corporations in East Africa e.g. Treasury bonds, corporate bonds, infrastructure bonds),

· Domestic equities (shares of companies listed on the Uganda stock exchange)

· Regional equities (shares of East African companies listed on the stock exchanges across the East African region).

All the above are considered traditional financial assets and are widely traded in transparent public financial markets around the East African region. The portion of your funds invested in each asset class will be determined by your risk tolerance level. A person with a low-risk tolerance (e.g. a score of 1 out of 10) will hold a conservative portfolio concentrated in money markets and bonds whilst one with a high-risk tolerance (e.g. a score of 9 out of 10) will hold an aggressive portfolio with higher allocations to domestic and regional equities. The investments in each asset class are executed using a tax-exempt unit trust fund.

Absolutely! You can withdraw all or some of your money anytime by initiating a withdrawal request in your dashboard. However, to maintain your investment account, you need to leave a minimum of UGX 10,000

1. Dial *165*5*7#

2. Enter your XENO Pin

3. Select 1. My Goals

4. Select the account you and the goal you want to withdraw from

5. Select 3. Withdraw

6. Select 1. One Time Withdraw

7. Select where to receive your money 1. Mobile Money or 2. Bank

8. Enter the amount to withdraw

9. Select 1. Confirm your withdraw

Withdraws from MTN MoMo to your XENO goal are completely free.

We charge an annual management fee of at most 2% on your investment portfolio. This is our primary fee for managing your investment.

XENO is regulated by the Capital Markets Authority (CMA) and URBRA, ensuring that your money is handled securely and transparently.

XENO does not handle your money at all. Like all regulated investment managers, we are required by the regulator to appoint an independent custodian bank licensed by the Bank of Uganda. The custodian bank, in our case Stanbic Bank, holds your money and maintains an accurate record of your deposits and the investments we purchase for you.

Our appointed custodian banks keep all your investments in segregated accounts for added security and will never mix them with their assets. Your investments and any un-invested cash are therefore protected in the unlikely event that either XENO or a custodian decides to exit the market for any reason. If this were to happen, your segregated account would be re-assigned to be managed by another regulated financial institution by the regulator (the Capital Markets Authority) and you would be kept informed.

To sign up for XENO, you only need an MTN number registered in your name. No additional documents or requirements—just a quick and easy setup!

You can review XENO’s full Terms and Conditions to understand how we operate, your rights, and our commitments to you. Read the Terms and Conditions here; https://invest.myxeno.com/terms-of-use