@kahome_steve Gichuki Kahome

Gichuki Kahome posts on X about money, stocks, investment, kenya the most. They currently have [-------] followers and [----] posts still getting attention that total [-------] engagements in the last [--] hours.

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Social Influence

Social category influence finance currencies countries cryptocurrencies stocks technology brands travel destinations social networks automotive brands exchanges

Social topic influence money #3254, stocks #1585, investment, kenya, insurance, inflation, bitcoin, debt, retirement, savings

Top accounts mentioned or mentioned by @kahomesteve @waruhiufranklin @mytradesignals @stanchartke @aibaxysafrica @eacinvestor @rufaske @nseinvestors @wiseshilling @cleuveschahasi @theabojani @coldtusker @sccom @hisaapp @mwangocapital @mcm1777 @mamatigari @petermayaka5 @juliusonstocks @kimmwirichia

Top assets mentioned Bitcoin (BTC) Alphabet Inc Class A (GOOGL) Tesla, Inc. (TSLA) Spacemesh (SMH) iShares BTC Trust (IBIT) SPDR GOLD ETF (GLD) Microsoft Corp. (MSFT)

Top Social Posts

Top posts by engagements in the last [--] hours

"THREAD: Understanding SACCOs How do SACCOs work Are SACCOs good investment opportunities Which are the best SACCOs to join Let's find out below👇👇 Retweet and share widely"
X Link 2021-09-23T09:44Z 141.4K followers, [----] engagements

"A SACCO is an association that is registered and authorized to take money(deposits) and lend money(loans) to its members. The SACCO pools the savings and lends them out or invests in authorized instruments such as shares treasury bills and bonds as authorized"
X Link 2021-09-23T09:44Z 141.4K followers, [---] engagements

"THREAD: Many people approach SAVING in the wrong way. Here's why saving is the CONERSTONE of financial success and how to get the most out of your savings. 1/ "Do not save what is left after spending. But spend what is left after saving.""
X Link 2021-11-27T09:55Z 159.4K followers, [----] engagements

"Before we get started: - Note that the order in this list is not a ranking. - Check out the bottom of this thread for an e-book on financial literacy. - Learn more about SACCOs in this thread https://x.com/kahome_steve/status/1440975302260314113s=20&t=M35DTg2X-aPXgOzL5i5v3Q THREAD: Understanding SACCOs How do SACCOs work Are SACCOs good investment opportunities Which are the best SACCOs to join Let's find out below👇👇 Retweet and share widely https://x.com/kahome_steve/status/1440975302260314113s=20&t=M35DTg2X-aPXgOzL5i5v3Q THREAD: Understanding SACCOs How do SACCOs work Are SACCOs good"
X Link 2022-01-28T12:52Z 143.1K followers, [---] engagements

"1/ STIMA SACCO Minimum shares for individuals is Ksh [-----] Minimum monthly ontributions - Kshs [----] Registration fee of Ksh [---] 14% dividend on share capital (2021) 10.75% interest on deposits (2021)"
X Link 2022-01-28T12:52Z 143.1K followers, [---] engagements

"Some simple habits may not make you a millionaire but they will help you avoid financial stress. - Stay out of bad debt. - Stay out of gambling. - Build a savings habit regardless of your level of income. - Have an emergency fund"
X Link 2022-01-31T04:35Z 141.9K followers, [---] engagements

"Level up your money game. Learn more about these investment vehicles in the amazing threads below. - SACCOs - Money Market Funds - Treasury Bills - Treasury Bonds"
X Link 2022-02-08T07:14Z 141.3K followers, [----] engagements

"Debt has become so easily accessible that it is quickly ruining our future financial positions. Many people are buying things they cannot afford with money they do not have to impress people they do not like. Avoid BAD debt. Stop robbing money from your future self"
X Link 2022-02-15T04:35Z 141.2K followers, [----] engagements

"Level up your money game. Learn more about: 1/ SACCOs 2/ Money Market Funds 3/ Treasury Bills 4/ Treasury Bonds 5/ How to avoid & Manage Debt 6/ Retirement Planning Let's go👇👇"
X Link 2022-02-28T07:39Z 141.9K followers, [----] engagements

"Level up your money game Learn more about: 1/ SACCOs 2/ Money Market Funds 3/ Treasury Bills 4/ Treasury Bonds 5/ How to avoid & Manage Debt 6/ Retirement Planning Let's go👇🧵"
X Link 2022-03-08T16:25Z 141.9K followers, [----] engagements

"The Capital Markets Authority(CMA) is planning on relaxing rules guiding the listing of companies at the NSE. CMA is also expanding the provision of IPOs to include Special Purpose Acquisition Companies (SPACS) Will these measures lead to more IPOs"
X Link 2022-05-02T07:28Z 141.4K followers, [---] engagements

"My second E-book is up. Investing in the Kenyan Markets. This is your guide to investing in Money Market Funds SACCOs Treasury Bills and Treasury Bonds. The e-book is on a discount for today evening only. Get it in the link below👇👇"
X Link 2022-05-12T16:22Z 141.3K followers, [---] engagements

"Thread🧵 Investing in Treasury Bonds. The Treasury recently floated an [--] year Infrastructure bond. Here's everything you need to know about Treasury Bonds And how you can invest in the Infrastructure Bond"
X Link 2022-06-01T06:45Z 141.3K followers, [----] engagements

"Definitions: Government securities are debt management obligations of the Kenyan gov't that individuals & organizations can invest in. If you invest in government securities you are lending the gov't money for a set period of time"
X Link 2022-06-01T06:45Z 141.2K followers, [---] engagements

"There are two types of Government Securities. 1/ Treasury Bills(3-12 Months) 2/ Treasury Bonds(1-30 Years) We'll focus on Treasury Bonds in this thread"
X Link 2022-06-01T06:45Z 141.2K followers, [---] engagements

"When my portfolio hits Sh 20M I will be able to withdraw Sh 1.2M every year and never run out of money. This will account for only 6% of my portfolio. With an average annual return rate of at least 6% I will be able to comfortably live on sh 100k per month without working"
X Link 2022-06-13T05:00Z 141.2K followers, [----] engagements

"With this I can retire and live a life that my portfolio can cater for. Retirement does not have to await until you are [--] years old. You can retire at any age you want provided you have the financial security"
X Link 2022-06-13T05:00Z 141.1K followers, [---] engagements

"Most of the people I interact with via DM are Kenyans working abroad looking for investment options back home. Their main issue is the weakening Kenyan shilling since most of them earn in dollars or other stronger currencies"
X Link 2022-06-21T04:50Z 141.4K followers, [---] engagements

"Did I just get this wrong Equity Group made more money than Safaricom from transactions income in [----]. NB: Equity has ZERO rated mobile transaction offerings. Safaricom resumed to charging of previously zero rated transactions beginning January [----] Here's the breakdown:"
X Link 2022-07-04T05:45Z 141.9K followers, [---] engagements

"For Equity Group Despite zero-rating mobile transaction offerings Transaction income grew by 37% to Kshs 10.4B up from Kshs 7.6B on the back of E-commerce and Merchant banking business"
X Link 2022-07-04T05:45Z 141.2K followers, [--] engagements

"Guys out here trashing Treasury bonds' 12% annual return when they have their money in a bank saving account earning 3%😂😂"
X Link 2022-08-02T10:59Z 141.2K followers, [----] engagements

"This thread highlights the disadvantages of MMFs in a rather weird and misleading way. [--]. MMFs are ideal for the short term not long term. [--]. They help your portfolio in terms of liquidity. [--]. In normal inflation levels (below 7%) MMF returns are good"
X Link 2022-10-05T08:51Z 141.1K followers, [---] engagements

"1/ Fuliza for business Mpesa could tap into tap into the over 492K Lipa na Mpesa Merchants to offer an overdraft facility for working capital needs such as stock boosting. 2/ Clear Money Transfer limits Mpesa users could be able to send more than the 300K current limit"
X Link 2022-10-08T05:38Z 141.3K followers, [---] engagements

"Also they could also increase the Fuliza limit currently capped at Sh 70K to lend more money to users with high value transactions and good credit scores. 3/ Other services Mpesa could also offer forex exchange credit cards and ATM services"
X Link 2022-10-08T05:38Z 141.2K followers, [---] engagements

"4/ Introduce Index Funds/ETFs. Passive investing has become so popular nowadays that investors are putting more money in index funds & ETFs than in individual stocks. This is because it spares investors the headache of stock market analysis & guarantees average returns"
X Link 2022-10-12T03:23Z 141.2K followers, [--] engagements

"5/ List companies that are worthy of being listed. New listings bring excitement to the stock market. It gives investors something new to look at and consider investing in. However lowering the standard for companies to be listed will only bring more losses to investors"
X Link 2022-10-12T03:23Z 141.9K followers, [--] engagements

"Treasury bills hit a new 4-year high. The latest auction of the [---] - day bill fetched a 10.109% Rising inflation and the weakening kenyan shilling has seen investors demand for higher rates"
X Link 2022-11-08T04:17Z 141.3K followers, [---] engagements

"Best Performing Assets this year: Treasury Bonds +13.37% House Sales +10.30% Average 1yr T-bill +9.89% Land Outside Nairobi +9.49% Business Daily"
X Link 2022-12-30T05:35Z 141.3K followers, 68.2K engagements

"If you invest in Treasury bonds Understanding how the Bond Ladder Strategy Works can help you set up your bond portfolio. Here's how Bond Laddering works:"
X Link 2023-01-06T15:48Z 141.9K followers, 685.3K engagements

"Interesting comparison of how different frontier markets are performing. While I was naturally hoping to do much better than a 3.7% return for African Lions Fund in [----] it easily made us the best performing fund in our Africa Frontier category and among the very few long-only equity funds globally to make money last year. https://t.co/rp4LkgBR5k While I was naturally hoping to do much better than a 3.7% return for African Lions Fund in [----] it easily made us the best performing fund in our Africa Frontier category and among the very few long-only equity funds globally to make money last"
X Link 2023-02-15T09:36Z 141.9K followers, [----] engagements

"In one year the KES has lost 13.06% to the USD. In [--] yrs it has lost 30.04% to the USD. The latest Infrastructure bond fetched 14.39% p.a. Yes it beats the inflation rate but what about the currency depreciation rate Currency depreciation isn't talked about enough"
X Link 2023-03-13T15:24Z 141.1K followers, 19.5K engagements

"@mtucreativity Centum bulls😅😅"
X Link 2023-03-23T20:20Z 154K followers, [----] engagements

"Many people approach SAVING in the wrong way. Here's why saving is the CONERSTONE of financial success and how to get the most out of your savings: 1/ Do not save what is left after spending. Spend what is left after saving"
X Link 2023-03-31T15:41Z 159.4K followers, 223.9K engagements

"Investing for Young People. A few thoughts on how young people should approach personal finance and investing. 1/ You are the biggest asset in your portfolio - Invest in yourself"
X Link 2023-04-21T14:12Z 159K followers, 92.6K engagements

"Benefits of different asset classes to your portfolio: [--]. MMFs - Cash preservation & Liquidity [--]. Local stocks - Dividends & Capital gains [--]. Offshore stocks - Currency devaluation risk [--]. Bonds - Low risk [--]. SACCO- Access to friendly loans"
X Link 2023-04-26T04:35Z 141.2K followers, 56.7K engagements

"Many people would do better financially if they first sorted out their personal financial lives before joining unorganized chamas. - Have an emergency fund - Have health insurance - Start growing your portfolio of diverse assets Then you can think about joining a Chama"
X Link 2023-05-08T04:35Z 141.2K followers, 25.7K engagements

"Blue chip stocks at the NSE will only recover when foreigners flip from net selling to net buying. This will only happen when global markets settle and there's an appetite for frontier markets again. As always the pace at the NSE is dictated by foreigners"
X Link 2023-05-10T15:39Z 141.2K followers, 10.2K engagements

"Saving is not putting your money in a savings account or under your mattress. It's accumulating money in a short term asset like MMF with the goal of capital preservation. You worry more about not losing your money or it's purchasing power. You worry less about max returns"
X Link 2023-05-19T05:15Z 158.8K followers, 30.1K engagements

"When thinking about a retirement portfolio: You must prioritize safety of your money since you can hardly afford any losses. More so if you are approaching your retirement since you don't have more working years ahead of you to earn more money"
X Link 2023-05-24T08:49Z 109.8K followers, [----] engagements

"Bonds are low -risk and have almost guaranteed returns. Most dividend Kings are less volatile & have a good track record of paying high dividends. A bond ladder & a basket of high dividend stocks or a High Dividend ETF can help achieve this"
X Link 2023-05-24T08:49Z 114K followers, [----] engagements

"With a retirement portfolio of Sh 20M you can withdraw Sh 1.2M every year and probably never run out of money. This will account for only 6% of your portfolio. With an average annual return rate of at least 6% You can live on Sh 100K per month without working"
X Link 2023-06-30T00:56Z 114.3K followers, 177K engagements

"@kasiva_mutisya Dividend kings of the NSE will give you a better ROI than most global powerhouses. When you focus on dividends alone"
X Link 2023-05-26T05:49Z 114K followers, [---] engagements

"The main advantage of SACCOs is access to friendly loans. Otherwise you may not benefit as much from a SACCO. Why optimize for more share capital which will be hard to liquidate Why optimize for more deposits which you cannot access anytime you want"
X Link 2023-06-05T04:41Z 114.1K followers, 179.7K engagements

"For MMFs & Saccos chasing for options with higher returns than average is a risky game. Why would a SACCO have a dividend yield of 20%+ over several years while their primary business is lending money at about 12% p.a The higher the returns the higher the risk"
X Link 2023-06-05T15:17Z 139.7K followers, 32.3K engagements

"@DM_Gichohi MMF Stocks Bonds"
X Link 2023-06-05T19:08Z 142.9K followers, [----] engagements

"Narrowing the wealth gap isn't easy. The poor borrow money from the government via hustler fund. The rich lend money to the government via treasury bonds. The poor borrow money via Fuliza. The rich buy NCBA shares & earn dividends. The rich get richer. The poor get poorer"
X Link 2023-06-09T05:02Z 133.5K followers, 87.7K engagements

"Why invest in offshore stocks [--]. Protect your portfolio from the weakening Kenyan shilling. [--]. Access to better markets. The stock market is a reflection of a country's economy. [--]. Diversify & protect your portfolio from internal factors affecting your local markets"
X Link 2023-06-21T04:15Z 134.3K followers, 22.5K engagements

"Unsecured loans come with several risks that most borrowers miss: [--]. HIGH interest rates [--]. Some lenders charge pre payment fees. Meaning there's a penalty when you pay your loan earlier than scheduled. [--]. High APR. Interest rate + fees = total cost of the loan"
X Link 2023-06-26T05:02Z 114.2K followers, 32.6K engagements

"unsecured loans rely on your credit score to determine your credit worthiness. And also to determine your repayment interest rates. That means if you have a low credit score you are slapped with higher interest rates & fees"
X Link 2023-06-26T05:15Z 141.5K followers, [----] engagements

"Unless a bank fixed deposit is offering you a return of at least [--] per cent look for better options. MMFs will give you higher returns than most banks while you can still withdraw your money any time you want. Moreover Treasury bills have better returns"
X Link 2023-06-27T04:37Z 114.1K followers, [---] engagements

"Interest rates hiked. VAT on fuel doubled to 16% More taxes reducing take home pay. Kenyan shilling weakening versus the USD. Tighten your belts hard economic times are here"
X Link 2023-06-27T05:01Z 135.4K followers, 48.5K engagements

"Instead of investing all your money in one long term bond It's better to split it into several bonds with different maturity dates Using a bond ladder helps you: - Improve cash flows - Manage inerest rate fluctuations - Reduce losses in case you liquidate one of the bonds"
X Link 2023-06-28T05:09Z 108.1K followers, 26.6K engagements

"The decision by CBK governor to abandon the USD in trade deals with neighboring countries like Tanzania may bring more harm than good. The USD is the global reserve currency for a reason it's stable liquid and easily accepted to settle trade with other partners"
X Link 2023-06-29T06:25Z 114.2K followers, [---] engagements

"We have liquid assets & illiquid assets. Liquid assets: - Cash in the bank - Money Market Funds - Short term bonds illiquid assets: - land - Real estate - Long term bonds"
X Link 2023-06-30T04:55Z 133.1K followers, [----] engagements

"The NSE is ever rewarding with dividends. At a time when the blue-chip firms' capital gains from the previous few years have been wiped off The dividend kings of the NSE have continued to give high dividend payouts attracting more investors"
X Link 2023-06-30T05:30Z 114.1K followers, 12.2K engagements

"When I was getting started with investing I struggled a lot with finding credible information. Be it on SACCOs Money Market Funds T- Bonds. It took me months before I could get up to speed with most of these things"
X Link 2023-07-05T06:27Z 110.1K followers, 35.5K engagements

"Must have Investing Accounts: [--]. Money Market Fund Account - Emergency fund/sinking fund [--]. CDS Account - Investing in local stocks(NSE) [--]. Sacco BOSA account - Regular savings [--]. CDS Account (with CBK) - For Investing in bonds What can you add"
X Link 2023-07-06T17:43Z 114.2K followers, 132.5K engagements

"Thread🧵 Every investor should understand how to build a portfolio. Here is everything you need to know about asset allocation when building your portfolio:"
X Link 2023-07-08T06:32Z 133.8K followers, 95.3K engagements

"2. Manage risk. Depending on your risk appetite your asset allocation strategy will help you to increase or reduce the risk exposure in your portfolio. This is either by concentrating to one asset class or spreading the risk to several asset classes"
X Link 2023-07-08T06:32Z 114.2K followers, [----] engagements

"3. Achieve your Financial goals. Different asset allocation strategies are used to achieve different financial goals. Someone looking for growth may have more money into stocks. Someone looking for regular income may have more money into bonds"
X Link 2023-07-08T06:32Z 114K followers, [----] engagements

"4. Manage market volatility. Historically when stocks zig bonds zag. Simply put different assets perform differently in different market cycles. Asset allocation can help you stomach the volatility of market cycles since not all your assets will be underperforming"
X Link 2023-07-08T06:32Z 108K followers, [----] engagements

"Factors that influence Asset Allocation in your Portfolio. 1/ Age. Young investors have a huge time horizon and many working years ahead of them. Hence they can afford to take more risk. Older investors approaching retirement cannot afford to lose their money"
X Link 2023-07-08T06:32Z 114.1K followers, [----] engagements

"Top [--] performing stocks in the NSE for the last [--] years. - Only [--] have positive returns - 4/5 are from the banking sector"
X Link 2023-07-08T16:15Z 114K followers, 10.1K engagements

"Investing in Real Estate isn't glamorous as most people think: [--]. Rental income will give you a return of 7-8% while bonds can give you 12-14% [--]. Occupancy levels will not always be 100% [--]. Maintenence costs & property taxes. [--]. Rent isn't hiked with increasing inflation"
X Link 2023-07-10T05:52Z 114K followers, 195.7K engagements

"@TimKipchumba Very few RE projects return more than 8% What do you mean mark to market What asset class doesn't look to beat inflation Isn't that one of the goals of investing People say bonds don't compound but remember you can still reinvest the interest payments"
X Link 2023-07-10T06:51Z 114.1K followers, [----] engagements

"@OkowaNashon Kindly share those projects fetching 15% annualized returns"
X Link 2023-07-10T07:24Z 114.2K followers, [----] engagements

"Real Estate generates rental income. Stocks generate dividend income. Bonds generate interest payments. Businesses generate profit cash flows. Normalize buying income producing assets like you pay rent every month"
X Link 2023-07-11T05:10Z 108.3K followers, 36.8K engagements

"You dont have to take loans to support a lifestyle you cant afford. You dont have to take loans to keep up with your peer group. You dont have to take loans to cover up for your poor budgeting skills. Fix your money management game and you'll get out of the debt cycle"
X Link 2023-07-12T04:31Z 114.2K followers, 45K engagements

"The KES has depreciated against the USD by 19.54% in the last one year. How can investors protect themselves from the depreciating Kenyan Shilling [--]. USD MMFs [--]. Foreign stocks [--]. Invest in Eurobonds Here are more details:👇👇"
X Link 2023-07-13T06:01Z 135.5K followers, 93.6K engagements

"Before you invest in land in Kenya read this: https://gichukikahome.com/archives/1344 https://gichukikahome.com/archives/1344"
X Link 2023-07-16T18:52Z 142.9K followers, 15.8K engagements

"An Emergency Fund is a set amount of money that covers your daily expenses for a certain period of time. It should cover your daily normal expenses for a period of [--] - [--] months"
X Link 2023-07-17T05:06Z 114K followers, 18.7K engagements

"Notably ensure you have some cash in your account for emergencies that may require urgent cash. This is because withdrawing money from your Money Market Fund takes 2-3 days"
X Link 2023-07-17T05:43Z 114K followers, [----] engagements

"For USD MMFs: [--]. Best for guys who earn in USD or who do business in USD. [--]. If you are looking to convert your KES to USD you can always negotiate with banks for favorable FX rates. [--]. Make sure the FX margin doesn't wipe out the interest rates from the MMFs"
X Link 2023-07-24T20:09Z 114.2K followers, 21.2K engagements

"3. Weakening Kenyan Shilling. Makes debt denominated in stronger currencies like the Eurobonds which are USD denominated more expensive"
X Link 2023-07-25T04:59Z 114.2K followers, [--] engagements

"Not only the Uganda Shilling but also the Tanzanian Shilling and the Rwandese Franc. KES taking a beating. The Ugandan shilling has been strengthening vs the dollar even as the Kenyan shilling weakens vs the dollar: https://t.co/Wthm2uKI4v The Ugandan shilling has been strengthening vs the dollar even as the Kenyan shilling weakens vs the dollar: https://t.co/Wthm2uKI4v"
X Link 2023-07-25T09:26Z 148.4K followers, [----] engagements

"Black tax is one of those topics that affects us the most but is hardly talked about. After tax obligations comes family obligations. Before you think about saving & investing you have to think about supporting your parents & siblings back at home financially"
X Link 2023-07-28T04:30Z 110.5K followers, 119.1K engagements

"Whether you are a CEO Entrepreneur founder or a small business owner Building an online audience with a solid brand is a game changer. You get to interact with potential clients get market feedback on your products meet people you can collaborate with. Highly recommend"
X Link 2023-07-30T11:34Z 114.2K followers, 34.3K engagements

"This week on #TwitterSpaces 🔥🔥"
X Link 2023-07-31T11:34Z 114.2K followers, 25.1K engagements

"Tomorrow on #TwitterSpaces 🔥 We discuss Money Market Funds. Set your reminders in the link below"
X Link 2023-08-02T04:30Z 114.2K followers, 27.6K engagements

"First what has changed [--]. Opening of CDS accounts. Previously it took at least [--] working days to get a CDS account and you had to physically visit CBK offices to register. You can now fill the application forms online via the app or portal and get an account in [--] hours"
X Link 2023-08-02T05:15Z 114.2K followers, [----] engagements

"Almost all Asset Classes have something negative about them. 1/ SACCOs- You can only withdraw money when you want to leave the Sacco the shares don't appreciate in value. 2/ Offshore stocks - 30% tax on dividends 3/ Money Market Funds - Not ideal for long term investing"
X Link 2023-08-07T05:12Z 114.2K followers, 68.7K engagements

"4/ T-bonds - No capital appreciation(only interest rates) 5/ Cash - Inflation 6/ Stocks - high volatiity That's why it's important to have a well diversified portfolio"
X Link 2023-08-07T05:14Z 114.1K followers, [---] engagements

"Before you join a chama or investment group: [--]. Have your personal finances in order [--]. Invest in your financial literacy [--]. Have an emergency fund & your own portfolio"
X Link 2023-08-07T07:34Z 114.2K followers, 22.1K engagements

"How it started vs How it's going.😬😬"
X Link 2023-08-07T21:19Z 114.2K followers, 172.6K engagements

"There are [--] main types of unit trusts but most people only know of Money Market Funds. Other types include: [--]. Balanced funds [--]. Equity funds [--]. Fixed income funds. Let's discuss them below👇👇"
X Link 2023-08-08T14:47Z 114.1K followers, 73.5K engagements

"Everyone talks about retirement planning. But no one talks about investing for young people. As a young person the greatest assets you can invest in are: [--]. Your skillset [--]. Your health [--]. Meaningful Experiences [--]. Your relationships/networks"
X Link 2023-08-09T15:25Z 110.7K followers, 32.5K engagements

"The greatest contributor to wealth creation is your level of income. Not your mindset. Not your attitude. Nothing can make up for a low income. Not even cutting down on your expenses. There's a limit to cutting down on expenses. There's no limit to how much you can earn"
X Link 2023-08-10T04:35Z 111.3K followers, 75.6K engagements

"Acorn investments is slowly taking grip of student accomodation in the Nairobi Metropolitan Area. Acorn is the REIT manager for Qwetu & Qejani student housing. In H1 [----] Acorn posted a net profit of Sh 170M with only [--] operational units and [--] under development"
X Link 2023-08-10T05:45Z 114.2K followers, 25.1K engagements

"The 91-day paper today is fetching higher yields than a [--] year bond a few years ago. Who will lend money to the private sector at these rates"
X Link 2023-08-10T15:08Z 114.2K followers, 19K engagements

"Thread🧵 You can now invest in Treasury bonds from your phone via the DhowCSD platform Here's a guide on how to place a bid in the new DhowCSD platform👇👇 Retweet widely:"
X Link 2023-08-10T15:59Z 137.6K followers, 99.9K engagements

"Why saving money is hard: [--]. Low incomes [--]. Black tax [--]. High expenses [--]. Lifestyle creep [--]. Poor budgeting [--]. Wanting to impress others"
X Link 2023-08-11T04:36Z 114.1K followers, 28K engagements

""There is no such thing as an objective level of wealth. Everything is relative to something else People look around and say Whats that person driving where are they living what kind of clothes are they wearing Aspirations are calibrated accordingly." Morgan Housel"
X Link 2023-08-13T17:26Z 114K followers, [----] engagements

"Where should you create an emergency fund Ideally this should be done in a savings account where you can easily access the money. A Money Market Fund is an ideal place to stack your emergency fund as it has great features suited for this"
X Link 2023-08-14T04:43Z 114.2K followers, [----] engagements

"These features are: - Your money will be earning interest above inflation rate. - You can access your money within 2-3 days - They are low risk avenues. You can hardly lose your money in a MMF. Only when it is mismanaged can you lose your money"
X Link 2023-08-14T04:43Z [--] followers, [--] engagements

"You can level up your financial literacy with one of my e-books. I've got two e-books: [--]. Investing in Kenyan Markets. A simplified guide to investing in MMFs SACCOs & T-bonds [--]. A Beginners Guide to Personal Finance & Investing. Access below👇👇"
X Link 2023-08-14T14:23Z 114.2K followers, 18.1K engagements

"Assets you can use to hedge your portfolio against the weakening Kenyan Shilling: [--]. USD MMF [--]. Offshore stocks & ETFs [--]. Eurobonds"
X Link 2023-08-16T04:49Z 135.5K followers, 28.7K engagements

"FDX1/2023/2: Coupon rate at 16.9723%😱😲 FDX1/2023/5: Coupon rate at 16.844% Inverted yield curve continues. Local borrowing is becoming too expensive for GoK. How Sustainable is this"
X Link 2023-08-16T16:20Z 114.2K followers, 24.9K engagements

"Instructions on how to settle your payment with CBK after your bid is accepted. New investors going through a lot of trouble"
X Link 2023-08-18T07:44Z 114.2K followers, 22.1K engagements

"YouTube Creators must be surprised seeing X creators earning without having to spend on expensive equipment videographers video editors. Just a keyboard and internet connection😂"
X Link 2023-08-19T05:25Z 114.1K followers, 68.5K engagements

"Watching Educative Documentaries has a similar effect to reading great books. Here are [--] YouTube Documentaries you can watch to improve your understanding of Financial Markets and Wealth Creation. [--]. How The Economic Machine Works by Ray Dalio"
X Link 2023-08-19T05:37Z 107.7K followers, 202.6K engagements

"2. What Everyone Gets Wrong About Global Debt - Economics Explained [--]. Why It's Harder To Earn More Than Your Parents - The Economist [--]. Inequality - How Wealth Becomes Power - DW [--]. Age of Easy Money - PBS [--]. Becoming Warren Buffett - HBO"
X Link 2023-08-19T05:37Z 114.2K followers, 15.3K engagements

"7. Why Do Central Banks Raise Interest Rates - The Economist [--]. Amazon Empire: The Rise & Reign of Jeff Bezos - PBS [--]. Principles for dealing with the changing world order - Ray Dalio [--]. How The Rich Get Richer - DW"
X Link 2023-08-19T05:37Z 114.2K followers, 13.5K engagements

"Hisa @HisaApp partners with Ingot Brokers to offer more investment offerings. [--]. Currencies [--]. CFDs [--]. EU UK stocks Hisa is truly becoming the home of cross-border investing. #HisaIngotCollab"
X Link 2023-08-19T11:21Z 114.1K followers, 15.5K engagements

""You should never act on an investing idea the same day you get it The next day your mood & situation will have changed & the facts may look different to you. Sleeping on it is one of the best ways to make sure your decision is not just a momentary whim. Jason Zweig"
X Link 2023-08-19T13:00Z 114.2K followers, 19.1K engagements

"The plan by CMA to set a cap that will form the benchmark for the lowest stock prices at the NSE shows how inefficient our stock market is. Companies with good fundamentals but no one wants to buy them. Every plan to revitalize the NSE seems to be making things worse"
X Link 2023-08-20T13:00Z 114.2K followers, [----] engagements

"A few things about Black Tax: [--]. Dealing with black tax involves communicating with your family and establishing clear boundaries. It's okay to say No. Be clear about what you can and cannot do financially"
X Link 2023-08-21T04:30Z 114.1K followers, 42.7K engagements

"The Unclaimed Financial Assets Authority (UFAA) has over 55B of unclaimed assets. And About 240B of unclaimed Assets yet to be reported to UFAA by public agencies and private firms. That's over 300B in unclaimed assets. We need to work on wealth succession"
X Link 2023-08-22T05:45Z 114.2K followers, 18.3K engagements

"Someone should start a platform to help investors liquidate some illiquid assets like SACCO's share capital parcels of land and real estate projects. Buy the assets at a discount look for willing buyers hold the assets or even develop them in the case of land. Make money"
X Link 2023-08-22T06:45Z 108.7K followers, 27.2K engagements

"Top Digital Lenders in Kenya by Market Share [--]. Mshwari - 34% [--]. Fuliza - 25% [--]. KCB Mpesa - 15% [--]. Tala - 13% [--]. Branch - 9% Safaricom directly/indirectly controlling 74% of digital lending. Source: BD"
X Link 2023-08-23T03:45Z 114.1K followers, 30.2K engagements

"The investing space in Kenya is about to change. Kenyans will now be able to invest in MMFs local stocks offshore stocks & Commodities in one platform. Traders of currencies and CFDs will also be accommodated. Here are more details👇👇"
X Link 2023-08-23T07:10Z 114.2K followers, 41.6K engagements

"Mistakes to avoid while saving money: [--]. Don't put your money in a bank saving account or fixed deposit account with low interest. [--]. Save before you spend. Many people save what is left after spending. [--]. Goals oriented savings will always beat saving without a purpose"
X Link 2023-08-24T04:35Z 114.1K followers, 25.4K engagements

"The end of traditional media companies is coming. Standard Group registered a loss of KES 1.023B in [----]. Nation Media Group profits fell by 98% to only KES 2.9M in H1 [----] The media environment is changing and individuals are becoming bigger than companies. Anyone with a phone and internet connection can now grow their own audiences without relying on media companies"
X Link 2023-08-24T07:25Z 114.1K followers, 53.6K engagements

"The best investment you can make is investing in what you do. If you are a business man get more capital to expand your business. If you are an employee take up more courses/certifications that can help you command a higher income. Returns from most financial assets like bonds MMFs real estate are limited. The returns you can get from a more profitable business or a higher income are in your control. Bet on yourself"
X Link 2023-08-25T04:28Z 114.2K followers, 12.4K engagements

"@mtucreativity @CBKKenya 😅😅 Some banks seem to be accepting RTGS payments though"
X Link 2023-08-25T12:08Z [--] followers, [----] engagements

"Despite the high yields from government bonds Investors are worried that the government may default. Kenya has even been referred to as the Next Ghana. In this thread we cover what it means for a government to default causes effects and whether Kenya is likely to default"
X Link 2023-08-25T13:00Z 114.1K followers, 237.7K engagements

"Growth in expenditure has by far outpaced the rate of revenue growth resulting in a growing fiscal deficit. The critical moment for Kenya will be next year's maturity of a $2 billion 10-year Eurobond"
X Link 2023-08-25T13:00Z 114.2K followers, 12.7K engagements

"3. Weakening KES 67.3% of the total external debt is denominated in USD. The KES has depreciated at a rate of 18.4% between [----] and [----] and 14.88% Year To Date"
X Link 2023-08-25T13:00Z 136K followers, 11.8K engagements

"Compared to countries like Zambia & Ghana Kenya may be at a better position because: [--]. KES has depreciated at 38.9% between June [----] and June [----]. Ghanaian Cedi and Zambia Kwacha on the other hand have depreciated at 140% and 102.9% respectively"
X Link 2023-08-25T13:00Z 136K followers, 11.4K engagements

"2. A Bulk of Kenyas external debt(47.4%) is concessional Meaning it is on exceedingly low interest rate terms. This is higher than Zambia (36.4%) & Ghana (32.9%) [--]. Debt service takes up to 60% of Kenyas revenues below the 70% debt service figures posted by Ghana in 2022"
X Link 2023-08-25T13:00Z 114.1K followers, [----] engagements

"2. Government securities account for approximately 20.3% of our covered banks total assets. [--]. Governments accounted for 27.7% of total interest earning assets from Q1 banks financial results"
X Link 2023-08-25T13:00Z 134.1K followers, [----] engagements

"Restructuring is considered equivalent to default & has these effects: [--]. Loss of investor confidence which leads to capital outflows as investors pull their resources out of the county. [--]. Limited access to credit markets due to high borrowing costs and increased default risk"
X Link 2023-08-25T13:00Z 134.1K followers, [----] engagements

"3. Decline in credit ratings from rating agencies like Moody's Fitch [--]. Political instability caused by financial problems which spark protests and other forms of unrest"
X Link 2023-08-25T13:00Z 114.1K followers, [----] engagements

"Final words: As we approach July [----] when Kenya is expected to make it's bullet repayment of the $2B Eurobond the following key metrics will be important: [--]. KES depreciation rate [--]. KRA Tax collection performance [--]. Forex Reserves"
X Link 2023-08-25T13:00Z 114.2K followers, [----] engagements

"Weekend Finance Documentaries: [--]. Indebted: Kenyas journey to a debt crisis - Africa Uncensored [--]. How investors are tricked by Penny Stock Scams - CNBC [--]. How Japanese Housewives Outsmarted Global Finance - The Market Whisperer [--]. The Money Laundering Scandal - Moconomy [--]. Evergrande: The End of chinas property boom - Financial Times"
X Link 2023-08-26T06:36Z 109.3K followers, 135K engagements

"A Thread on how SACCOs performed in [----] Key Highlights from the just released [----] SACCO Supervision Report by SASRA (@SASRA_ke ) 1/ The no. of deposit accounts with more than KSH [--] Million increased from [-----] in [----] to [-----] in 2022"
X Link 2023-08-29T04:02Z 114.2K followers, 78.7K engagements

"4/ Quality of the Loan Book In [----] the loan book constituted 71.97% of SACCOs total assets up from 70.95% of the total assets in [----]. The mean non performing loans (NPL) decreased to 8.34% in [----] compared to an NPL ratio of 8.99% reported in 2021"
X Link 2023-08-29T04:02Z 108.3K followers, [----] engagements

"5/ Interest rates The average interest rates paid by SACCOs on member deposits increased to 6.92% in [----] from 6.86% in [----]. Banks averaged 3% during the year [----] on savings. SACCOs also paid a return on share capital of 10.47% in [----] compared to a return on 9.87% in 2021"
X Link 2023-08-29T04:02Z 114.2K followers, [--] engagements

"@nickmoturi @SASRA_ke Because of Mwalimu SACCO"
X Link 2023-08-29T04:24Z 114.2K followers, [----] engagements

"The best SACCO to join is where you can easily get guarantors. Join a SACCO where your work colleagues friends or relatives are members so that you can easily get guarantors when in need of a loan. Otherwise you may never benefit from the credit facilities offered by SACCOs"
X Link 2023-08-29T04:35Z 135K followers, 39.6K engagements

"Seeing so many screenshots of Safaricom Dividends final payment message. Na bado kuna watu wanategea World Coin grants😂😂"
X Link 2023-08-29T10:00Z 114.1K followers, 43.8K engagements

"Most people get themselves into car loans without evaluating the total cost that comes with it. Before you take a car loan your budget should accommodate: [--]. Monthly loan repayments [--]. Fuel expenses [--]. Servicing & maintenance [--]. Insurance costs"
X Link 2023-08-30T04:35Z 114.1K followers, 51.8K engagements

"With the NSE struggling to entice investors we may see more Kenya investors preferring to invest in other leading African Exchanges like South Africa Morocco & Nigeria. The African Exchanges Linkage Project will avail more exciting opportunities for investors across Africa"
X Link 2023-08-30T05:30Z 114.2K followers, [---] engagements

"Out of the [--] Stock Exchanges that make up the African Exchanges Linkages Project Only Kenya has more foreign investors than domestic investors. (Foreigners at 54%) Surprisingly the NSE is also the only exchange with a negative net return over the past [--] years out of the [--] exchanges. Why does the Kenyan Stock Market defy other African stock Exchanges Would participation by more local investors revitalize the NSE"
X Link 2023-08-31T15:20Z 114.1K followers, 22.4K engagements

"When building your investment portfolio two factors that you should always prioritize are liquidity and cash flow. What assets can generate income for you And what assets can you easily turn into cash in case of an emergency Income generating assets enable you to make money from your investments. Highly liquid assets enable you to use your wealth to solve financial problems whenever they arise"
X Link 2023-08-31T16:37Z 108.5K followers, 33.2K engagements

"When buying land in Kenya you need the following people: The last one is the least qualified but the most important. [--]. Land valuer [--]. Lawyer [--]. Surveyor [--]. Local drunkard"
X Link 2023-09-01T05:45Z 114.2K followers, 88.9K engagements

"We might see more foreign investors running away from Kenya. With the weakening Kenyan Shilling Debt distress High taxation and inefficicient capital markets like the NSE There's isn't much hope for foreign investors in Kenya. If the turn around doesn't happen fast enough our neighbors may catch up with us"
X Link 2023-09-01T11:26Z 135.5K followers, 39.2K engagements

"If you are in the low income bracket investing in stocks bonds or MMFs won't help you. Yours is an income problem not an investment problem. Investing in yourself is better than investing in any asset class. Sharpen your craft grow your business & scale the income ladder"
X Link 2023-09-01T14:14Z 114.1K followers, 59.7K engagements

"Standard Chartered Bank have made a few changes to their money market fund offering known as the SC Shilingi Fund. Here's the breakdown & why they are important: 1/ Removal of 1% upfront charge. This reduces investing costs for investors creating room for higher returns"
X Link 2023-09-04T04:46Z 114.2K followers, 64.9K engagements

"Our favorite team of analysts at Mwango Capital lost access to their main account @MwangoCapital You can follow them on their back up account @MwangoCapital1 as they try to recover their main account"
X Link 2023-09-04T05:35Z 114.2K followers, [----] engagements

"The best combination of assets for a retirement portfolio is probably T-bonds & high dividend stocks. Dividend income & interest payments can generate stable cashflow to sustain you in retirement. You can also predict the amount of money you expect to earn from your investments in retirement"
X Link 2023-09-06T14:36Z 114.2K followers, 35K engagements

"@WaruhiuFranklin Very true bro. T-bills / MMFs for short term and capital preservation High dividend stocks & T-bonds for the long term Low risk investments highy liquid and income generating assets"
X Link 2023-09-06T14:55Z 114.1K followers, [----] engagements

"As an investor your portfolio should have assets that protect your money from: - Inflation - Currency depreciation - Illiquidity - High investment costs - concentration risk"
X Link 2023-09-07T04:32Z 114K followers, 16.4K engagements

"Instead of using that 500K to buy another plot of land that will not generate any cash flows for you why not explore other options 500K in a bond with a 16% yield will give you 68K per annum after taxes. 500K in a dividend king of the NSE like Williamson Tea will earn you 72K in dividends. 500K in a SACCO like Stima Sacco will earn you 60K in dividends from share capital or 47K from rebates on Savings"
X Link 2023-09-07T15:31Z 114.2K followers, 300.3K engagements

"SACCOs have lost KES 118.1M to fraud in the past two years. Internal technical staff working within Saccos ICT and credit departments have been noted to be the greatest collaborators in the perpetuation of fraudulent activities. In one instance there was illegal withdrawal of Sh29.4M from certain members savings accounts using unregistered mobile phone numbers. BD"
X Link 2023-09-08T04:31Z 107.9K followers, 47.7K engagements

"In just [--] Months Standard Chartered Money Market Fund offering known as the SC Shilingi Fund has hit over KES 3.07B in Assets Under Management. Here are some of the factors that have attracted investors to the Fund: 1/ Zero transfer charges"
X Link 2023-09-08T05:25Z 114.2K followers, 140.4K engagements

"When investing small amounts of money in a money market fund the transfer charges involved in depositing and withdrawing your money may offset the interest accrued. SC Shilingi Fund solves this by offering free deposits and withdrawals. #SCShilingiFunds #StanChart"
X Link 2023-09-08T05:25Z 109.7K followers, 12.2K engagements

"2/ The SC Shilingi Fund is 100% digital. There is no tedious paperwork or calling agents to check on the prevailing interest rate. You can invest view and track your investment and withdraw all on digital via the SC Mobile app"
X Link 2023-09-08T05:25Z 114K followers, 11.6K engagements

"SC Shilingi Fund is a partnership between Standard Chartered Bank Kenya and Sanlam Investments. The SC Shilingi Fund mainly benefits individuals banking with Standard Chartered as you have to be banking with them to invest with them and enjoy the above benefits"
X Link 2023-09-08T05:25Z 114.1K followers, 10.6K engagements

"The SC Shilingi fund is one of the many products that makes Standard Chartered Chartered Bank one of the leading banks in wealth management in Kenya. StanChart not only helps you with banking services but also growth and management of your wealth. #StanChart #SCShilingiFunds"
X Link 2023-09-08T05:25Z 114K followers, 13.4K engagements

"Is anyone tracking all the new taxes that have been proposed/introduced since the Kenya Kwanza team took over The most recent ones; the Kenyans in the diaspora welfare fund & the Unemployment Fund Seems like we will tax ourselves into the New Singapore😂"
X Link 2023-09-08T05:51Z 114.2K followers, 44.1K engagements

"@StanChartKE also removed the 1% admin fee. This lowered the investors costs amd created more room for higher returns"
X Link 2023-09-08T08:23Z 108.6K followers, [----] engagements

"Money Market Funds are best for regular savings. SACCOs are a better way to access credit. Offshore stocks are best for capital gains. Local stocks are best for dividends. Bonds are usually low risk with predictable returns. Real Estate is best for long term capital"
X Link 2023-09-11T06:37Z 114.1K followers, [----] engagements

"One day we are celebrating our founders for closing funding deals. The next day we are reading news of the same Startups closing down massive layoffs and other struggles. Lack of funding has often been cited as one of the major challenges as to why Startups fail but there"
X Link 2023-09-11T07:31Z 114.2K followers, [---] engagements

"@EliudKoros6 CIC MMF. You can self register via this link:"
X Link 2023-09-11T15:25Z 114.1K followers, [----] engagements

"Registration for our October Masterclass is now open. We tackle Investing for young people. Registration details are on this poster"
X Link 2023-09-11T15:35Z 114.2K followers, [----] engagements

"BD reports that SACCO borrowings are rising faster than savings. The gap between loans and deposits grew to Sh 60B in [----]. The mismatch between SACCO deposits and borrowings could be attributed to the fact that SACCOs allow members to borrow 3-5 times their savings"
X Link 2023-09-12T04:39Z 114.1K followers, 30.6K engagements

"The Quarterly Collective Investments Scheme Report by the Capital Markets Authority for the period ended 30th June is out. Here are the key highlights: 1/ Money Market Funds Account for 75% of all the funds under management"
X Link 2023-09-12T14:06Z 146.1K followers, 16.6K engagements

"2/ Assets Under Management(AUM) in Collective Investment Schemes has grown from Ksh 164.28B in March [----] to Ksh 175.97B in June 2023"
X Link 2023-09-12T14:06Z 146.1K followers, [---] engagements

"The banking & Agricultural sectors are currently the best performing sectors in the NSE. Over the last [--] years in terms of capital gains: - 4/10 of the top performing stocks are from the Agric sector. - 2/10 of the of the top performing stocks are from the banking sector"
X Link 2023-09-13T03:47Z 108.7K followers, 24.5K engagements

"17% on a [--] year bond is crazy"
X Link 2023-09-13T15:30Z 110.4K followers, 158.4K engagements

"One of the questions I get often is which banks have better rates for loans. There is actually a website that was launched by CBK in partnership with the Kenya Bankers Association where you can check and compare the total cost of credit from different banks. Link below"
X Link 2023-09-14T04:45Z 110.5K followers, 36.5K engagements

"SACCOs are seeking to cut down on costs of external borrowing from Commercial banks by introducing the KES [--] Billion Inter Sacco Lending Market. This will see SACCOs lend to each other through the KES [--] Billion Central Liquidity Facility an equivalent of the commercial banks"
X Link 2023-09-16T10:38Z 114.1K followers, [---] engagements

"The East African reports that institutional investors are exiting the Ugandan Stock Market despite remarkable half year returns published by many listed companies. Last week we also saw some Kenyan institutional investors like BRITAM stop increasing their investments in the NSE. High returns from government securities are pushing local investors away. While persistent economic worries & weak returns from listed shares have scared away foreigners. Who will save our local bourses🤔"
X Link 2023-09-16T10:58Z 115.8K followers, 25.9K engagements

"Commercial Banks lending rates have hit a [--] month high of 13.5% This is the highest level since February [----]. The rise in borrowing rates has been attributed to rising inflation start of risk based loan pricing and climbing Central Bank Rate. BD"
X Link 2023-09-18T04:00Z 109.9K followers, [----] engagements

"Asset classes you can use to hedge your portfolio against weakening KES [--]. Offshore stocks & ETFs [--]. USD funds [--]. Eurobonds [--]. USD MMFs Unless you earn in USD short term fixes like USD MMFs or USD bank accounts may not work since FX conversions may eat into your returns"
X Link 2023-09-18T04:35Z 114.2K followers, 19.8K engagements

"Everyone talks about retirement planning. But no one talks about investing for young people. As a young person the greatest assets you can invest in are: [--]. Your skillset [--]. Your health [--]. Meaningful experiences [--]. Your relationships/networks"
X Link 2023-09-18T04:57Z 114.2K followers, 27.7K engagements

"Standard Chartered Bank@StanChartKE has made banking & wealth management seamless with their SC Mobile App. You can easily access investment options like their MMF offering called SC Shilingi Fund on the app. Here is a short thread on how to access the fund #SCShilingiFunds"
X Link 2023-09-18T05:37Z 108K followers, 37.5K engagements

"The KES has historically depreciated at an average rate of 3% per annum against the USD. In the last one year that has changed to a staggering 18% Even though past performance isn't guaranteed in the future expecting the current trajectory to continue in the long run maybe miscued. Nevertheless a well balanced portfolio should remain protect against currency risks and all other kind of risks"
X Link 2023-09-19T09:11Z 114.1K followers, 20.9K engagements

"Most people think that investing is a get rich quick scheme. But investing is a get rich slow game. On average your portfolio will grow at 8-12% per annum when doing relatively well. Often the easiest way to lose money when investing is in pursuit of high returns"
X Link 2023-09-19T15:08Z 114.2K followers, 27.4K engagements

"Retail investors now have to face higher charges when buying government securities. CBK no longer accepts cash or bankers cheques. CBK only accepts RTGS and Swift via commercial banks. Most banks charge KSH [---] per RTGS and up to KES [----] for swift transactions"
X Link 2023-09-20T04:30Z 114.2K followers, 24.6K engagements

"A few things that many people get wrong about SACCOs. 1/ There are two main types of Accounts. A Front Office Service Activity (FOSA) Account - Serves like a normal bank account BOSA Account - Savings in this account earn interest refereed to as rebates"
X Link 2023-09-21T04:35Z 109.8K followers, 59.6K engagements

"You can withdraw money from the FOSA account anytime But Savings in your BOSA Account can only withdrawn when exiting the SACCO. And your SACCO has [--] days to give back your savings"
X Link 2023-09-21T04:35Z 114.2K followers, [----] engagements

"2/ Should you optimize for more share capital or more Savings For Most SACCOs the dividend yield from your share capital will always be higher than the rebates on your deposits. However when exiting the SACCO it's hard to liquidate your shares since you have to find a buyer"
X Link 2023-09-21T04:35Z 114.2K followers, [--] engagements

"One thing that we are missing in this KES depreciation discussion is that the rate at which the KES has depreciated at this year is unusual. The KES has historically depreciated at an average rate of about 3% per annum. Now run your numbers again and you get different results. Readjusting your portfolio in pursuit of higher USD returns might be a short term win but a long term loss.(unless you cash out your profits when the trend changes) At the same time a well diversified portfolio should protect an investor from all kinds of risks including currency or country risks"
X Link 2023-09-21T09:39Z 114.2K followers, 21.6K engagements

"Studies have shown that spending money on experiences makes us happier than spending money on material things. Experiences gain value over time and they pay memory dividends. Material possessions seem exciting at the beginning but then depreciate quickly"
X Link 2023-09-22T05:48Z 114.1K followers, [----] engagements

"The President had promised the USD/KES rate would get to [---] or [---]. Several Analysts are now projecting the rate to hit [---] by end of the year and [---] in a year's time. Seems the effects of managing the rate in [----] - [----] will hit us hard. Lower FX inflows & higher global"
X Link 2023-09-22T06:08Z 109.3K followers, [---] engagements

"I then compiled everything I learned in months to an e-book you can read in a few hours. If you would like to learn more about SACCOs Money Market Funds and Treasury bills & Treasury bonds this e-book is for you. Get it in the link below.👇👇"
X Link 2023-09-22T16:48Z 114.1K followers, [----] engagements

"Rwanda's economic managers are worried of the effects of the weakening Rwandese Franc which has depreciated by 10.71% YTD. This year Rwanda is projected to lead in economic performance across East Africa exceeding the regional average of [---] % in [----] from 5.1% in [----]. In"
X Link 2023-09-23T06:30Z 114.2K followers, [--] engagements

"Getting a couple of DMs on how to dispose low yielding bonds bought in the past for the currently high yielding bonds. The prices in the secondary market and the costs charged means investors may have to hold on their low yielding bonds. Bond laddering helps solve this"
X Link 2023-09-23T06:48Z 114.2K followers, [----] engagements

"Performance of various USD denominated assets. [--]. Nasdaq 100: +35% Year To Date (YTD) [--]. S&P 500: +12.97% YTD [--]. Eurobonds: +14.5% Annualized Return [--]. USD MMFs: +5.05% Average Annual Return Don't forget the KES has depreciated by 17% YTD against the USD"
X Link 2023-09-25T06:50Z 114.2K followers, [----] engagements

"If you want to know what people really care about. Look at what they spend money on. Look at their personal budgets. [--]. How much they spend on entertainment [--]. How much they spend on tithe [--]. How much they spend on black tax [--]. How much they save Money is a scarce resource and most people will allocate any extra cent to things they really care about"
X Link 2023-09-25T14:41Z 114.1K followers, 20.9K engagements

"Banks steadily getting into the Insurance & Wealth Management business"
X Link 2023-09-25T14:55Z 108.6K followers, [----] engagements

"Assuming you can manage to save 20K - 50K a month for the next [--] years You can easily create a portfolio that generates a passive income of 10K - 30K per month. Here's a simple portfolio that you can create👇👇"
X Link 2023-09-26T05:31Z 108.8K followers, 339.8K engagements

"A portfolio is a collection of assets owned by one person or an entity. Simply put a portfolio represents all the investments that you own. These assets or investments may include stocks bonds real estate mutual funds etc"
X Link 2023-09-26T05:31Z 114.1K followers, 33.9K engagements

"There are [--] main types of portfolio that you can consider: [--]. The conservative portfolio. This portfolio keeps risk low since it's main objective is to preserve wealth. It mainly has bonds high dividend stocks & fixed deposits"
X Link 2023-09-26T05:31Z 107.9K followers, 32.4K engagements

"2. The aggressive portfolio. It's main goal is capital appreciation. Mostly suitable for risk tolerant investors who want to build wealth and can manage to take up more risk. This portfolio includes mainly stocks specifically growth stocks small cap stocks etc"
X Link 2023-09-26T05:31Z 114.1K followers, 30.3K engagements

"3. The income portfolio. The main goal of this portfolio is to generate consistent and reliable passive income. Investors who focus on this portfolio continuously buy income generating assets like dividend stocks bonds and real estate"
X Link 2023-09-26T05:31Z 114.1K followers, 28.9K engagements

"In this example We are going to focus on the Income Portfolio since our main focus is on passive income from income generating assets. The asset classes that we will invest our money in are Money Market Funds Treasury Bonds and Dividend stocks"
X Link 2023-09-26T05:32Z 114.1K followers, 24.6K engagements

"Step 1: Build an emergency fund We are going to use savings from our first two months to set up a small emergency fund that can cover our normal monthly expenses for at least one month. The ideal place to stack your emergency fund is in a Money Market Fund"
X Link 2023-09-26T05:32Z 114.1K followers, 22.8K engagements

"Step 2: Decide our portfolio allocation strategy and plan how we are going to invest our savings for the next [--] years. Since bonds are currently fetching very high yields I can settle for a 60% in bonds and 40% in dividend stocks"
X Link 2023-09-26T05:32Z 114.2K followers, 20.5K engagements

"This means that out of the 3M that you will have saved (50K per month in [--] years) 1.8M will be allocated in bonds while 1.2M will be allocated in dividend stocks. Bonds are auctioned every month and the minimum investment is KES 50K"
X Link 2023-09-26T05:32Z 108K followers, 19K engagements

"Once you identify your top [--] picks you can use the Dollar Cost Averaging method where you continuously invest a specific amount of money at regular intervals"
X Link 2023-09-26T05:32Z 141.3K followers, 17.3K engagements

"For bonds you can split your 1.8M into a series of 3-6 bonds using the bond ladder strategy. Since the minimum would now be 300K(for a series of [--] bonds) you can save up for that amount in a Money Market Fund. Once you hit your target you deploy your savings to a bond"
X Link 2023-09-26T05:32Z 114.2K followers, 14K engagements

"After [--] years you will have invested a total of 3M (not including any interest earned from your investments which should cater for any inflation worries) With an average annual return of 10% (which is conservative) your portfolio can generate 300K per year or 25K per month"
X Link 2023-09-26T05:32Z 114.2K followers, 13K engagements

"Do note that this is just an example for illustration purposes and some assumptions have been taken to create a perfect scenario that may not necessarily exist in practice. My example mainly focused on saving of 50K a month but can be redone with a higher or lower amount"
X Link 2023-09-26T05:32Z 114.1K followers, 12.1K engagements

"Final words: [--]. Investing isn't that complex. You can work with the simple options available to you that you understand perfectly. [--]. There are factors that influence the kind of portfolio ideal for an individual. These may include age financial goals income & risk tolerance"
X Link 2023-09-26T05:32Z 110.4K followers, 13.1K engagements

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