# ![@mtucreativity Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::4832307273.png) @mtucreativity .

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

### Engagements: [-------] [#](/creator/twitter::4832307273/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::4832307273/c:line/m:interactions.svg)

- [--] Week [---------] +2,568%
- [--] Month [---------] +16,696%
- [--] Months [----------] +5,089%
- [--] Year [----------] +3,169%

### Mentions: [--] [#](/creator/twitter::4832307273/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::4832307273/c:line/m:posts_active.svg)

- [--] Week [--] +270%
- [--] Month [--] +205%
- [--] Months [---] +32%
- [--] Year [---] +35%

### Followers: [------] [#](/creator/twitter::4832307273/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::4832307273/c:line/m:followers.svg)

- [--] Week [------] +1.60%
- [--] Month [------] +2.80%
- [--] Months [------] +10%
- [--] Year [------] +21%

### CreatorRank: [---------] [#](/creator/twitter::4832307273/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::4832307273/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  [stocks](/list/stocks)  [cryptocurrencies](/list/cryptocurrencies)  [technology brands](/list/technology-brands)  [countries](/list/countries)  [currencies](/list/currencies)  [exchanges](/list/exchanges)  [social networks](/list/social-networks)  [travel destinations](/list/travel-destinations)  [automotive brands](/list/automotive-brands) 

**Social topic influence**
[stocks](/topic/stocks), [money](/topic/money), [investment](/topic/investment), [$scom](/topic/$scom) #5, [kenya](/topic/kenya), [$btc](/topic/$btc), [$googl](/topic/$googl), [bitcoin](/topic/bitcoin), [$eth](/topic/$eth), [$eqty](/topic/$eqty)

**Top accounts mentioned or mentioned by**
[@safaricomplc](/creator/undefined) [@ibkr](/creator/undefined) [@fibkenya](/creator/undefined) [@mytradesignals](/creator/undefined) [@etoro](/creator/undefined) [@mwangocapital](/creator/undefined) [@eacinvestor](/creator/undefined) [@trading212](/creator/undefined) [@cbkkenya](/creator/undefined) [@cheruiyotkb](/creator/undefined) [@moneysenseke](/creator/undefined) [@nseinvestors](/creator/undefined) [@waruhiufranklin](/creator/undefined) [@theabojani](/creator/undefined) [@kahomesteve](/creator/undefined) [@wiseshilling](/creator/undefined) [@sanlaminvestea](/creator/undefined) [@coldtusker](/creator/undefined) [@rinahicks](/creator/undefined) [@chibolis](/creator/undefined)

**Top assets mentioned**
[Bitcoin (BTC)](/topic/$btc) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Ethereum (ETH)](/topic/$eth) [Wise (WISE)](/topic/$wise) [Spacemesh (SMH)](/topic/$smh) [ZIM Integrated Shipping Services Ltd. (ZIM)](/topic/$zim) [Interactive Brokers Group, Inc. (IBKR)](/topic/$ibkr) [NVIDIA Corp. (NVDA)](/topic/$nvda) [Simon Property Group Inc (SPG)](/topic/$spg) [Tesla, Inc. (TSLA)](/topic/$tsla) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [Microsoft Corp. (MSFT)](/topic/$msft) [Metadium (META)](/topic/$meta) [Centene Corp (CNC)](/topic/$cnc) [BITMINE IMMERSION TECH (BMNR)](/topic/$bmnr) [Basic Attention (BAT)](/topic/$bat) [Celo (CELO)](/topic/celo) [Ally Financial, Inc. (ALLY)](/topic/$ally) [Innovative Industrial Properties, Inc. Common stock (IIPR)](/topic/$iipr) [Solana (SOL)](/topic/$sol) [Semler Scientific, Inc. (SMLR)](/topic/$smlr) [Duolingo, Inc.  (DUOL)](/topic/$duol) [TransMedics Group, Inc. Common Stock (TMDX)](/topic/$tmdx) [Cloudflare, Inc. (NET)](/topic/$net) [BTCS Inc. (BTCS)](/topic/$btcs) [Berkshire Hathaway Inc Class B (BRK.B)](/topic/$brkb) [Snowflake Inc. (SNOW)](/topic/$snow) [Karooooo Ltd. (KARO)](/topic/$karo) [Star Bulk Carriers Corp. (SBLK)](/topic/$sblk) [Advanced Micro Devices (AMD)](/topic/$amd) [Humana Inc (HUM)](/topic/$hum) [Intuitive Surgical, Inc. (ISRG)](/topic/$isrg)
### Top Social Posts
Top posts by engagements in the last [--] hours

"There is so much information I wasn't aware of on Bonds (fixed income investment) I will definitely start building my bond portfolio especially after learning about trading them in the secondary market and partial maturities. @rina_hicks @FIB_Kenya https://youtu.be/CIGlROY0dW0 https://youtu.be/CIGlROY0dW0"  
[X Link](https://x.com/mtucreativity/status/1323142041698660352)  2020-11-02T05:57Z 12K followers, [--] engagements


"Whilst looking at the dividends yield isnt a solid investment thesis. These are the current counters with good yields at the NSE. UMME 17% WTK 15.30% KAPC 14% FAHR 13.59% SCBK 13.42% ABSA 11% KCB 9.47% BKG 8.59% CFC 8.55% COOP 8.47% BAT 8.45% CTUM 7.5% https://afx.kwayisi.org/nseke/ https://afx.kwayisi.org/nseke/"  
[X Link](https://x.com/mtucreativity/status/1339103969369411584)  2020-12-16T07:04Z 12.1K followers, [--] engagements


"As we get to the end of the year it is always a good time to take a look at your portfolio and do some rebalancing & reallocation to ensure your investments still fit your risk tolerance. Doing this at least once or twice a year will help you get out of bad trades #financewaves"  
[X Link](https://x.com/mtucreativity/status/1343446835323568130)  2020-12-28T06:41Z 12.1K followers, [--] engagements


"Studying the Asia Financial Crisis of [----] & seeing lots of similarities with the current state of affairs in the country. Whilst the past doesn't necessarily tell us how the future will look like you get an idea on how best to structure your portfolio/asset allocation. #Risk"  
[X Link](https://x.com/mtucreativity/status/1359302801810194432)  2021-02-10T00:46Z 12.1K followers, [--] engagements


"@oloojl @TheAbojani @MwangoCapital @ChiboliS @cheruiyotkb @MoneySenseKe @MagicTrainers Nice this is a good list here is my NSE play as well https://x.com/mtucreativity/status/1411963491276230656s=20 https://x.com/mtucreativity/status/1411963491276230656s=20"  
[X Link](https://x.com/mtucreativity/status/1411964543631347714)  2021-07-05T08:25Z 13.7K followers, [--] engagements


"In your wealth accumulation stage you will have to invest in some asset classes with high risks higher returns. If you do then: - Do thorough due diligence learn/research about the bet (invest in what you understand) - Understand the risks involved & your own risk tolerance"  
[X Link](https://x.com/mtucreativity/status/1432617900649689089)  2021-08-31T08:14Z 12.1K followers, [---] engagements


"Investors use fundamental analysis to make decisions on what companies to own buy hold sell. They use Balance Sheet Income Statements Cash Flow statements Annual Financial Reports & speak to management. AGM Q&A is also a great resource eg $DTK https://dtbk.dtbafrica.com/sites/dtbk.dtbafrica.com/files/2021-07/AGM%202021%20-%20QUESTIONS%20AND%20ANSWERS.docx https://dtbk.dtbafrica.com/sites/dtbk.dtbafrica.com/files/2021-07/AGM%202021%20-%20QUESTIONS%20AND%20ANSWERS.docx"  
[X Link](https://x.com/mtucreativity/status/1443426146935312387)  2021-09-30T04:03Z 12.1K followers, [--] engagements


"Asset allocation helps you maximize profits while minimizing your risk exposure Theres different strategies for different investment styles accommodatingvarying risk tolerance timeframes & goals I was very conservative in Q3 unlike #Client13173 *Managed Funds: MMFs & Sacco"  
[X Link](https://x.com/mtucreativity/status/1444998957348831235)  2021-10-04T12:12Z 12K followers, [--] engagements


"While the heat continues I also got paid twice. I mostly tweet this kind of content to educate friends on how to get started in investment. These are REITs a liquid way to own real estate $WPC: owns commercial real estate in US & EU $IIPR: manages cannabis facilities in US"  
[X Link](https://x.com/mtucreativity/status/1450115283738402827)  2021-10-18T15:03Z 12.1K followers, [--] engagements


"A company sells you a very expensive product then you'll have to purchase additional products from them which needs to be replenished constantly after every use and upon purchase you'll have to sign an annual service contract with them for this particular product. $ISRG #moat"  
[X Link](https://x.com/mtucreativity/status/1450826564510363654)  2021-10-20T14:09Z 12.1K followers, [--] engagements


"@my_tradesignals But you did well if you held onto it today $EQTY $BAT $JUB $ABSA are quite interesting plays Theres still lots of ongoing work to optimize the businesses in $BRIT $CTUM $SCOM $KGEN $KPLC Nothing is going on at $DTK we still waiting for the board to release a strategy 😅"  
[X Link](https://x.com/mtucreativity/status/1459807621062578176)  2021-11-14T08:57Z 13.3K followers, [--] engagements


"@WillisOwiti @MwangoCapital @tradingroomke @alykhansatchu @bankelele @ChiboliS @MakoriGeorge_ @TonyMurega For long term investors this shouldn't bother you. Calmly Wait & Hold Couple of things could happen: - Deal fails - Heineken looks to exit KWAL stake - Invest more to distribute Heineken - Make KWAL more efficient & market share from EABL - Nothing changes things remains as is"  
[X Link](https://x.com/mtucreativity/status/1460213013059936258)  2021-11-15T11:48Z 14K followers, [--] engagements


"@WillisOwiti @MwangoCapital @tradingroomke @alykhansatchu @bankelele @ChiboliS @MakoriGeorge_ @TonyMurega There are many directions this could go just wait and what changes in the company fundamental. Then you'll know if this even matters in a few years. I don't own any $EABL shares if I did this is how I'd be looking at this. Thanks 🙏🏼"  
[X Link](https://x.com/mtucreativity/status/1460213775240466440)  2021-11-15T11:51Z 14K followers, [--] engagements


"Crypto projects spend there marketing budget in a different way. Here is a proposal of earning 50% annual return rate available for a limited time. @ValoraApp @CeloOrg You need between [--] - [----] $CUSD $CEUR to play. $CELO https://valoraapp.com/blog/supercharge-your-crypto-wallet https://valoraapp.com/blog/supercharge-your-crypto-wallet"  
[X Link](https://x.com/mtucreativity/status/1468676674887823365)  2021-12-08T20:19Z 12.1K followers, [--] engagements


"@GaithoMwaura 💯 No they are offshore counters $O $WPC $IIPR $SPG $ONL The local Fahari iREIT $FAHR has challenges finding anchor tenants for some of their properties so that could impact their revenue in the short term. It has also performed poorly but it's in my radar"  
[X Link](https://x.com/mtucreativity/status/1470446809466257413)  2021-12-13T17:33Z 13.3K followers, [--] engagements


"LFG 🚀 #API3 slow and steady. API3 BLZ COVAL GODS IMX MDT MUSD and RBN are now live on https://t.co/iQARfimGvY & in the Coinbase iOS & Android apps. Coinbase customers can log in now to buy sell convert send receive or store API3 BLZ COVAL GODS IMX MDT MUSD and RBN. https://t.co/QoUrnuquZT https://t.co/23JfIXNM8m API3 BLZ COVAL GODS IMX MDT MUSD and RBN are now live on https://t.co/iQARfimGvY & in the Coinbase iOS & Android apps. Coinbase customers can log in now to buy sell convert send receive or store API3 BLZ COVAL GODS IMX MDT MUSD and RBN. https://t.co/QoUrnuquZT https://t.co/23JfIXNM8m"  
[X Link](https://x.com/mtucreativity/status/1470458393810767875)  2021-12-13T18:19Z 12.1K followers, [--] engagements


"In the Kenya's [----] Finance Bill there is a proposal to triple capital gains tax to 15%. This applies on the sale of shares land and buildings & is payable by the seller. The bill proposes that this new rate will come into effect on 1st January [----] @ushuru_co_ke @coldtusker"  
[X Link](https://x.com/mtucreativity/status/1515963343449772036)  2022-04-18T08:00Z 12K followers, [--] engagements


"When there's a lot going on and when that's happening you don't know what to do you do what is right in front of you Within your CONTROL - Increase your savings rate - Postpone big spending plans - Cut down on vices - Move money into more liquid assets - Check on your family"  
[X Link](https://x.com/mtucreativity/status/1524127938140160000)  2022-05-10T20:43Z 12.1K followers, [--] engagements


"We are panicking like we did in [----] but it is way easier this time because we are long term focused. A current portfolio $AAPL 54% $TSLA 170% $BRK.B 49% $ETH 45% $BAC 38% $BTC 30% $SOXX 29% So yes you've got to buy quality companies & hold them through days like these Last time I checked most Kenyans were being advised to invest in offshore (global) markets when the markets were at peak. How are the investment performing Last time I checked most Kenyans were being advised to invest in offshore (global) markets when the markets were at peak. How are the investment performing"  
[X Link](https://x.com/mtucreativity/status/1525128473408315398)  2022-05-13T14:58Z 12.1K followers, [--] engagements


"Equity Shareholders hope mmepata dividends FYI Equity is not an income stock you are buying it for the growth and capital appreciation as the business keeps growing and maturing so dividends is just a good add on. Buy good companies and hold them for long term. #Keepitsimple"  
[X Link](https://x.com/mtucreativity/status/1543877807570395136)  2022-07-04T08:42Z 12K followers, [--] engagements


"I like $NVDA a great company you can hold it directly or through the $SMH ETF. I have talked about the benefits of buying $VUSA over $VOO if you arent a US citizen. Most importantly I got paid on Friday and Monday 😅"  
[X Link](https://x.com/mtucreativity/status/1543981407021801475)  2022-07-04T15:33Z 12.1K followers, [--] engagements


"Ladies and Gentlemen Good Morning How's your crypto portfolio doing ama ni mapema sana 😅 Here's mine listed in order of bullishness. #ForcedHodler in most of these names 😅 #Bitcoin $BTC $ETH $CELO $FTX $SOL $ADA $LINK $MATIC"  
[X Link](https://x.com/mtucreativity/status/1546691787720376320)  2022-07-12T03:03Z 12K followers, [--] engagements


"If you bought this stock when I first mentioned it 2-3 months ago you would be up 65% if you bought it a month ago you would be 58% up. $WISE Theres still room to grow I really like how this company is managed. Long term they seem to be following the Nick Sleeps framework. Forget the stock $WISE look at the company @Wise https://t.co/b6BEFexb1P Theres still room to grow I really like how this company is managed. Long term they seem to be following the Nick Sleeps framework. Forget the stock $WISE look at the company @Wise https://t.co/b6BEFexb1P"  
[X Link](https://x.com/mtucreativity/status/1557729395628195842)  2022-08-11T14:03Z 12.1K followers, [--] engagements


"This is a good one. I like the $FAHR stock if I was not building up my $EQTY and $BAT positions I would have added some at Ksh5/= What are your thoughts @Tiny__bookworm @kennekai @MagicTrainers @cheruiyotkb @TheAbojani @AdoyoEvans @mytradesignals @moneyacademyKE @moneyinafrica"  
[X Link](https://x.com/mtucreativity/status/1559121691082739712)  2022-08-15T10:15Z 13.3K followers, [--] engagements


"A question on bonds in the DM. You dont just invest in Treasury Bonds and Bills You buy a bond offer & the details is in the prospectus. Bonds are underrated👌🏾 What would you add here @ill_dduor @Sang252 @coldtusker @MoneySenseKe @AIB_AXYSAfrica (follow these bond gurus)"  
[X Link](https://x.com/mtucreativity/status/1562000384943587328)  2022-08-23T08:54Z 12.1K followers, [--] engagements


"Once you complete these seven steps youll have completed [--] circle. Now repeat this [--] or [--] times it may take you a month [--] months [--] year or [--] years to complete a circle"  
[X Link](https://x.com/mtucreativity/status/1571041553946406919)  2022-09-17T07:41Z 12.2K followers, [--] engagements


"Now keep repeating this until you feel you have meaningful exposure in every bucket then adjust according to your risk tolerance level. Short term & Less risk look to allocate more to MMF & Bonds Long term & High risk look to allocate more to MMF & Stocks"  
[X Link](https://x.com/mtucreativity/status/1571041559965216769)  2022-09-17T07:41Z 12.2K followers, [--] engagements


"I was doing some quick digging into $SPG and got to see more insiders buying the stock And bought even more $SPG The goal here is to generate income to buy more $SPG and the $SCHD ETF This is a good company"  
[X Link](https://x.com/mtucreativity/status/1578454714072858624)  2022-10-07T18:38Z 12.1K followers, [--] engagements


"Did my portfolio allocation calculations it seems I need to add more stocks #RiskOn Watchlist $TESLA $META Crypto $BTC $ETH Big Tech $APPL $AMZN $MSFT $GOOGL Conviction $WISE $SPG $IBKR $ALLY $BTI ETFs $SCHD $SMH $VOO $QQQ $IEMG Growth $SNOW $CRWD $OKTA Local $EQTY $SCOM"  
[X Link](https://x.com/mtucreativity/status/1579050658514116608)  2022-10-09T10:06Z 12K followers, [--] engagements


"Wueh Hio #DeletePayPal imetumaliza 😅 my $PYPL average price is $268.80 but trades at $84.63 today"  
[X Link](https://x.com/mtucreativity/status/1579561073707220995)  2022-10-10T19:54Z 12K followers, [--] engagements


"(1/3) Why am I still holding on my @CentumPLC shares When I bought $CTUM shares my thesis was to hold it through the Centum [---] strategy that is till [----]. So far I can see the business is executing the strategy albeit with some challenges and the stock price has come down"  
[X Link](https://x.com/mtucreativity/status/1581874646558859265)  2022-10-17T05:08Z 13.3K followers, [--] engagements


"This means I need to be more overweight the stocks with higher dividend yields. Add more $BAT Open a position in $SCBK Buy $NCBA on any pullback not above ksh [--] 😅 Trade around the ex-dividend dates for Umeme the counter trades around ksh 5-7.5 during the dividend cycle"  
[X Link](https://x.com/mtucreativity/status/1599384618326949889)  2022-12-04T12:46Z 13.3K followers, [--] engagements


"The only issue will mean that I will be more concentrated in the local banks. While it is not what I want the reality is in the listed companies banking institutions are the ones doing well in this economic environment. Mnaona vile bado tumeshikilia $CTUM 😅 (added more at 8/=)"  
[X Link](https://x.com/mtucreativity/status/1599384623804391424)  2022-12-04T12:46Z 13.3K followers, [--] engagements


"@mytradesignals @SafaricomPLC Hesabu ni ngumu bwana just deposit the money uone damage ya tax"  
[X Link](https://x.com/mtucreativity/status/1599427505999335427)  2022-12-04T15:36Z 12.4K followers, [--] engagements


"Lets continue talking about dividend stocks (income stocks) Key things to look at when picking dividend stocks [--]. Consistent Revenue Growth [--]. A Solid Payout Ratio [--]. Predictable Net Income Growth [--]. Dividend Growth [--]. Dividend Yield Is there anything you can add"  
[X Link](https://x.com/mtucreativity/status/1600425134707265537)  2022-12-07T09:41Z 12.1K followers, [--] engagements


"December Stocks New Positions: - $PROSY (Prosus Netherlands ) - $BABA (Alibaba China ) - $KARO (Karooooo Singapore & South Africa ) Will be buying throughout December 💼"  
[X Link](https://x.com/mtucreativity/status/1600756061027213312)  2022-12-08T07:36Z 12.2K followers, [--] engagements


"Though Im happy my [----] stock picks (2022 Value Play pie/bucket) outperformed the market YTD i.e. S&P [---] (-20.41) vs [----] Value Play (-8.14) This tells me I am actually getting better at analyzing & picking stocks $WISE $SPG $IBKR $ALLY $BATS.L/ $BTI $ROG.SW/ $RHHBY $SMLR"  
[X Link](https://x.com/mtucreativity/status/1605125241008799744)  2022-12-20T08:57Z 12.1K followers, [----] engagements


"So from my watchlist here are my tentative [----] stock picks this list might change as I am actually doing my research I might add to the list. $BRKB $STR $MELI $PRX.AS / $PROS.Y $PAGS $KARO I might share my thesis and research for all these names later"  
[X Link](https://x.com/mtucreativity/status/1605128987969216512)  2022-12-20T09:12Z 13.1K followers, [----] engagements


"Dividend investing requires careful planning to ensure you get the best return on your investment. Timing purchases around book closure dates & market psychology can help with better yields and average prices Lets look a a case for $BAT #dividendinvesting #investmentstrategy"  
[X Link](https://x.com/mtucreativity/status/1630123070097694720)  2023-02-27T08:30Z 12K followers, 22.7K engagements


"I see major FinTwit podcasts are catching up on my company picks A good listen Keep it simple buy great businesses $WISE and keep up to date with how the management are running the business. https://podcasts.google.com/feed=aHR0cHM6Ly9icmVha2Rvd25zLmxpYnN5bi5jb20vcnNz&episode=YTU2YzhmM2UtMjhhMi00M2I1LThkYTEtYWFjYzA4ZGNiNzE5 https://podcasts.google.com/feed=aHR0cHM6Ly9icmVha2Rvd25zLmxpYnN5bi5jb20vcnNz&episode=YTU2YzhmM2UtMjhhMi00M2I1LThkYTEtYWFjYzA4ZGNiNzE5"  
[X Link](https://x.com/mtucreativity/status/1632392041261944834)  2023-03-05T14:46Z 12.1K followers, [---] engagements


"@kahome_steve Yes check bio 💯 I have been clear and open on my $CTUM thesis buy and hold through the Centum [---] strategy and thats what I am doing"  
[X Link](https://x.com/mtucreativity/status/1639000665287544866)  2023-03-23T20:26Z 13.3K followers, [---] engagements


"Placed an order to buy more $ALLY under $30 Buy the quality companies at cheap prices"  
[X Link](https://x.com/mtucreativity/status/1640472764254654465)  2023-03-27T21:56Z 12.1K followers, [---] engagements


"@mytradesignals @kennekai 😅 $ABCL abCellera Biologics Inc is actually a good company but fair stock no momentum at the moment"  
[X Link](https://x.com/mtucreativity/status/1642888852443463682)  2023-04-03T13:56Z 13.7K followers, [---] engagements


"launching this paid course when you know there is a plan to delist the only listed REIT on the exchange is crazy 😅😅 Karibu Kenya. Karibu Kanairo Unlock the potential of real estate investing with REITs Join us on April 19th for a course on how to invest in and make money with REITs in the Kenyan market. Our expert speakers will cover everything from REITs overview & structure to real estate market cycles & case studies. https://t.co/4PxUrpxcsV Unlock the potential of real estate investing with REITs Join us on April 19th for a course on how to invest in and make money with REITs in the"  
[X Link](https://x.com/mtucreativity/status/1643518617869340675)  2023-04-05T07:39Z 12K followers, [----] engagements


"Two companies I must own buy and hold just because of their values management and how much I learn from them on how to build/run/invest in great companies. Berkshire Hathaway $BRK.B Markel Corporation $MKL"  
[X Link](https://x.com/mtucreativity/status/1643954771663941634)  2023-04-06T12:32Z 12.1K followers, [----] engagements


"Our $ZIM play is still on the dividend yield is above 90% (I know) They paid hefty dividend too bad the market is closed 😅"  
[X Link](https://x.com/mtucreativity/status/1644345004037398529)  2023-04-07T14:22Z 12.1K followers, [----] engagements


"@koech235 I have large positions in $IIPR & $SPG these are REITs you can even argue in Kenya $CTUM (Centum) also gives one exposure to real estate but I view them as equities to keep it clean. (You should probably do that too) Yes we are God willing [----] we go into real estate big"  
[X Link](https://x.com/mtucreativity/status/1645702187572424704)  2023-04-11T08:15Z 13.3K followers, [---] engagements


"Investing $1000 in the stock market is hard but If you spend Ksh [----] every weekend for sherehe I would ask you invest half the amount Ksh [----] every week After [--] weeks youll have Ksh [------] invested You can: Buy $VOO or $SCHD Buy $SCOM $EQTY or $NCBA Put it in an MMF"  
[X Link](https://x.com/mtucreativity/status/1647652746701553666)  2023-04-16T17:26Z 13.3K followers, 19.4K engagements


"Looking forward to the earnings season 💯 Next week watching portfolio companies $IBKR $ALLY $TSLA Companies in my wishlist $BAC - fairly priced but low RoE for a bank $ISRG - Intuitive surgical is expensive waiting to see how they perform"  
[X Link](https://x.com/mtucreativity/status/1680150261942067200)  2023-07-15T09:40Z 12.1K followers, [----] engagements


"Companies in my portfolio that I still believe are trading cheap in the market. I bought more of these earlier Ally Financial $ALLY $29 - Div 4% Seller Scientific $SMLR $24 Star Bulk Carriers $SBLK $17 - Div 7.7% (likely to be cut) FYI ZIM Shipping $ZIM $14 - Div was cut to 0"  
[X Link](https://x.com/mtucreativity/status/1686939746075922432)  2023-08-03T03:19Z 12.1K followers, [----] engagements


"Bitcoin Stay Calm Buy $BTC"  
[X Link](https://x.com/mtucreativity/status/1690023408338096128)  2023-08-11T15:32Z [----] followers, [---] engagements


"I am very busy today. But I came here to post that Google Bard is actually miles better than ChatGPT. I'm so impressed with its capabilities that I'm buying more $GOOGL stock this week. #AI #chatbots #google #bard"  
[X Link](https://x.com/mtucreativity/status/1691038758215278592)  2023-08-14T10:47Z [----] followers, [----] engagements


"Startup Shutdowns: Pref Shares Founders sometimes commit expensive errors when fundraising. They might secure more funding than necessary leading to an inflated burn rate as they pursue unsustainable growth in anticipation of the next funding round"  
[X Link](https://x.com/mtucreativity/status/1692048942496690503)  2023-08-17T05:41Z [----] followers, [---] engagements


"In some cases like allocating preference shares these mistakes can be so significant that they could ultimately end up with nothing even if they continue their efforts on the startup and reach a successful outcome"  
[X Link](https://x.com/mtucreativity/status/1692048950398779790)  2023-08-17T05:41Z [----] followers, [---] engagements


"When you come to this realization they best thing for a founder to do is to shutdown the company and return whatever $$$ they are left with to the investors. Good investors will understand in fact a good experienced investor who cares about you would advise you to do so"  
[X Link](https://x.com/mtucreativity/status/1692048953301156295)  2023-08-17T05:41Z [----] followers, [---] engagements


"Heres a good resource to learn more on Preference stocks/shares @ADJBlog"  
[X Link](https://x.com/mtucreativity/status/1692049529455989073)  2023-08-17T05:43Z 10.2K followers, [---] engagements


"With all these X money tweets or Elon Musks money 💰 posts my question is kwani how much money does X get paid for advertisements 😅 Also we really didnt need Web3 to get this done as well"  
[X Link](https://x.com/mtucreativity/status/1692816144044883999)  2023-08-19T08:29Z [----] followers, [----] engagements


"Placed two bids (91-day T-Bills & 2yr T-Bond) using the dhow CSD platform today to see what the new payment process looks like will share my experience later. @CBKKenya"  
[X Link](https://x.com/mtucreativity/status/1694063007762956582)  2023-08-22T19:04Z 12.1K followers, [----] engagements


"Just a reminder this month's pay slip you will see these: Affordable Housing Levy Employee Deduction NHIF Employee Contribution NSSF Tier [--] Contribution Employee NSSF Tier [--] Contribution Employee Tax Deducted July Additional PAYE Recovery July Housing Levy Deduction Recovery"  
[X Link](https://x.com/mtucreativity/status/1694611544212938832)  2023-08-24T07:24Z [----] followers, [----] engagements


"@kahome_steve @CBKKenya Now some of my money is stuck between @CBKKenya and @LOOP_KE Sometimes you should just avoid hio @LOOP_KE for grownup transactions 😅"  
[X Link](https://x.com/mtucreativity/status/1695054844438917308)  2023-08-25T12:45Z 12.1K followers, [---] engagements


"Monkeys right now knowing they are about to be blamed for the nationwide power outages 😅 #KPLC #Nationwide #Blackout"  
[X Link](https://x.com/mtucreativity/status/1695161968120754504)  2023-08-25T19:51Z [----] followers, 14K engagements


"Interesting $O is one off the stocks that pays monthly dividends with quality real estate on its books 💯 Realty Income announced today an agreement to invest in the Bellagio Las Vegas representing the company's second investment in the gaming industry. The iconic AAA Five Diamond Resort is operated by MGM Resorts International. Read more about it here: https://t.co/xsh5YfqnOH https://t.co/kMb7NdwPve Realty Income announced today an agreement to invest in the Bellagio Las Vegas representing the company's second investment in the gaming industry. The iconic AAA Five Diamond Resort is operated"  
[X Link](https://x.com/mtucreativity/status/1695377010778952112)  2023-08-26T10:05Z 12.1K followers, [---] engagements


"Think of it as a way to turn emergencies into minor inconveniences. Anytime you draw from this fund make sure to replenish it back to the level it was when you get money"  
[X Link](https://x.com/mtucreativity/status/1696060554035564771)  2023-08-28T07:22Z 12.1K followers, [--] engagements


"Some individuals might consider saving more than [--] months' worth of expenses for emergencies but personally I think anything beyond [--] months is overly cautious. Keep is simple and any extra money should be invested in the next account"  
[X Link](https://x.com/mtucreativity/status/1696060555868438639)  2023-08-28T07:22Z [----] followers, [--] engagements


"During this process it's acceptable to temporarily halt contributions to your investment account in order to prioritize clearing short-term debt. Once these debts are paid off be mindful of not falling back into debt by utilizing your savings account and emergency funds"  
[X Link](https://x.com/mtucreativity/status/1696060575661310248)  2023-08-28T07:22Z 10.2K followers, [--] engagements


"When it comes to long-term debt your approach will depend on factors like the type of debt interest rates and your financial capacity. If you're dealing with high interest rates it might be wise to make more significant premium payments to lessen the burden"  
[X Link](https://x.com/mtucreativity/status/1696060577842376931)  2023-08-28T07:22Z [----] followers, [--] engagements


"Given enough time even the incumbents will have to improve their offering or loose to the new market entrants. CIC has the largest AUM but they charge high management fees and underperform other MMFs for a long time"  
[X Link](https://x.com/mtucreativity/status/1696445823762960857)  2023-08-29T08:52Z 13.1K followers, 22.6K engagements


"So far I have selected this two on first come first serve basis. @v_mutethia_ @MuburiBrian I will choose the first four ladies to reply to the original tweet 🙏🏾"  
[X Link](https://x.com/mtucreativity/status/1696790412583632984)  2023-08-30T07:42Z [----] followers, [---] engagements


"@bhaidar @vuejs @inertiajs @tailwindcss @VueTailwindCom @primevue Checkout @zoltanszogyenyi project also check prelineUI"  
[X Link](https://x.com/mtucreativity/status/1697027062576329022)  2023-08-30T23:22Z [----] followers, [---] engagements


"Just realized our watchman who also washes my car always allows the bill to build up over time. Me: Na hii repoti yako tunafanyaje Him: Hio repoti wacha tuu ikae ikae ntachukua tuu kuna shughuli napangia This is an interesting way of saving not sure if they can use MMF"  
[X Link](https://x.com/mtucreativity/status/1699519649954570582)  2023-09-06T20:27Z [----] followers, 30.7K engagements


"The problem with our President lies in his advisors "so-called economists." They seem to be blindly following the strategies/stories outlined in Lee Kuan Yew's book "From Third World to First" without considering whether it's a suitable approach for our situation. It might backfire very quickly and lead to unintended negative consequences"  
[X Link](https://x.com/mtucreativity/status/1700665437610996131)  2023-09-10T00:20Z 12K followers, [----] engagements


"I feel like the most important lesson or take away was missed by everyone in the comments "Bill Gates Sr did the great deed and never mentioned it to anyone." Always Be Kind #BeKindBeHumbleBeHappy"  
[X Link](https://x.com/mtucreativity/status/1701826015083798776)  2023-09-13T05:11Z [----] followers, [--] engagements


"I try to keep it safe when investing I also love investing in businesses with unique (mostly unproven) business models in different industries. So I created a small portfolio comprising of such companies. This way I get to keep track of how they perform overtime. Needless to"  
[X Link](https://x.com/mtucreativity/status/1701887137212219586)  2023-09-13T09:14Z [----] followers, [--] engagements


"Strangest thing about the high interest rates and rising debt levels is that we are unaware of any government project of such magnitude ongoing. At least kama kungekuwa na an SGR Express Way or Inland dry port"  
[X Link](https://x.com/mtucreativity/status/1702391381367349457)  2023-09-14T18:38Z 10.2K followers, [----] engagements


"What should you do in such times Consider increasing your emergency fund by [--] or [--] months (if you have [--] months make it 4; if you have [--] months make it [--] or 2). Anything to give you more peace of mind"  
[X Link](https://x.com/mtucreativity/status/1702737263552028935)  2023-09-15T17:32Z [----] followers, [----] engagements


"Additionally ensure you maintain liquidity perhaps by holding cash in dollars as challenging times often present valuable opportunities for the well-prepared People will sell illiquid assets at cheaper prices to get out of financial distress and you want to be there. I will😅"  
[X Link](https://x.com/mtucreativity/status/1702737266047627503)  2023-09-15T17:32Z [----] followers, [---] engagements


"Hold off adding to your local portfolio during these uncertain times; business fundamentals have definitely shifted with the economic downturn Wait for stocks to re-rate & reevaluate your valuation of the company This will keep you off value traps (or catching falling knives)"  
[X Link](https://x.com/mtucreativity/status/1702737268593614988)  2023-09-15T17:32Z [----] followers, [--] engagements


"@wiseshilling @Energyforreal @nderi_j @IEAKwame @SokoAnalyst @RufasKe This fate isnt sealed yet We must raise funds to avoid defaulting on our debt due in June [----] as defaulting would be disastrous for the country and will definitely lead us down that path. While it's quite uncertain if we can secure the required funds by that date we may"  
[X Link](https://x.com/mtucreativity/status/1702759464883876030)  2023-09-15T19:01Z [----] followers, [--] engagements


"Trying to find the best MMF thats safe from the raising government debt. Obviously #Cytonn is the boots so just avoid them 😅"  
[X Link](https://x.com/mtucreativity/status/1703314606691594660)  2023-09-17T07:47Z [----] followers, [----] engagements


"Here's a good channel to keep up with all the craziness in HipHop"  
[X Link](https://x.com/mtucreativity/status/1703829678396465653)  2023-09-18T17:53Z [----] followers, [---] engagements


"The David Rubenstein Show: Kim Kardashian via @YouTube @KimKardashian Baddies in Finance Beauties in Finance Big Personalities in Finance"  
[X Link](https://x.com/mtucreativity/status/1704884139286012387)  2023-09-21T15:43Z [----] followers, [---] engagements


"@saradietschy Why I saw on YouTube the iPhone [--] Pro Max can't survive when you heat them in an oven 😅😅"  
[X Link](https://x.com/mtucreativity/status/1705934038672793764)  2023-09-24T13:15Z [----] followers, [--] engagements


"Centum is trying so hard to make these results look good 😅 Still holding 👍🏽"  
[X Link](https://x.com/mtucreativity/status/1706941908130435286)  2023-09-27T08:00Z [----] followers, [----] engagements


"FC Barcelona deserves everything coming their way I will never forget the Semifinal against Chelsea FC. Crooks"  
[X Link](https://x.com/mtucreativity/status/1707514475266314533)  2023-09-28T21:55Z [----] followers, [--] engagements


"Forget about investing Ksh [----] every month in an MMF that everyone is talking about here on Twitter/X. If you invest Ksh [-----] every month in [--] months you will end up with at least Ksh [-------] in the MMF Step up your game and start getting serious about these things"  
[X Link](https://x.com/mtucreativity/status/1707662997823394293)  2023-09-29T07:46Z [----] followers, 11.3K engagements


"By the way most of you end up with no investments retirement savings or emergency funds because you are always doing some project somewhere"  
[X Link](https://x.com/mtucreativity/status/1708013700194476123)  2023-09-30T06:59Z [----] followers, 14.1K engagements


"Sawa bas Forget about investing Ksh [----] every month in an MMF that everyone is talking about here on Twitter/X If you invest Ksh [----] every month in [--] months you will end up with at least Ksh [------] in the MMF Step up your game & start getting serious about these things"  
[X Link](https://x.com/mtucreativity/status/1708732042274643995)  2023-10-02T06:34Z [----] followers, [----] engagements


"Q3 Portfolio allocation update: (From a huge cash position in Q2) Bought a 2yr bond & 90-day TBill Increased $$ in MMF & Sacco Bought more $META $ABCL $ABNB $ZIM 😅 Loaded up more $BTC The 6% cash is in USD & KES ready to be deployed Q4 play is safe offense: ETFs #BTC & Gold"  
[X Link](https://x.com/mtucreativity/status/1709095939825418396)  2023-10-03T06:40Z 12.1K followers, 12.4K engagements


"1) Real Estate is capital intensive still accumulating and planning. Haina haraka 2) Offshore works best for me there are better companies outside Kenya 3) Managed funds is any asset where you give out cash and someone a fund manager or institution makes the allocation decisions Unit Trusts wealth funds or Sacco"  
[X Link](https://x.com/mtucreativity/status/1709233246083420435)  2023-10-03T15:45Z [----] followers, [--] engagements


"Dollar-cost averaging (DCA) investing is a strategy of investing a fixed amount of money in a stock or ETF asset at regular intervals regardless of the asset's price This means that you'll buy more shares when the market is down and fewer shares when the market is up. Over time this will help you lower your average cost per share and build wealth in the long run by smoothing out peaks and troughs"  
[X Link](https://x.com/mtucreativity/status/1710662543457374239)  2023-10-07T14:25Z 10.2K followers, [----] engagements


"@patric_mutwiri @themotleyfool @TMFStockAdvisor An exchange-traded fund (ETF) is a basket of securities that trades on an exchange just like a stock does. Here are some resources: All I have written on ETFs 👇🏽"  
[X Link](https://x.com/mtucreativity/status/1710671942326362321)  2023-10-07T15:02Z [----] followers, [---] engagements


"Hello @Microsoft @Office @MicrosoftHelps I rely heavily on the sticky notes on @msonenote but of late it has been completely buggy especially the iOS app and on MacOS. Is there anything else we can do about this because it is now unusable"  
[X Link](https://x.com/mtucreativity/status/1710841497841521057)  2023-10-08T02:16Z [----] followers, [---] engagements


"The US stock market is home to many of the world's leading companies so strategies like simply buying the S&P [---] index work This weekend I spent some time automating my monthly investing decisions: - Loading up the @IBKR account - Setting up DCA investing in the S&P 500"  
[X Link](https://x.com/mtucreativity/status/1711277817097527690)  2023-10-09T07:10Z [----] followers, [----] engagements


"Every single currency has depreciated against the US Dollar over the last [--] years @charliebilello @Satelliteforex Ghana GHS -81.3% Nigeria NGN -79.5% Rwanda RWF -45.3% Kenya KES -41.4% Tanzania TZS -35.9% Uganda UGX -31.6% You can open a USD MMF & hold some dollars 💵 there"  
[X Link](https://x.com/mtucreativity/status/1711315062173122920)  2023-10-09T09:38Z 10.2K followers, [----] engagements


"Buying crypto or shares requires lots of caution when choosing trading platforms. Most platforms seem convenient & offer [--] trading fees but get you on the spreads. See $BTC at the same time trading on @IBKR at $27604 and on @eToro at $27899. that's more than $250 Be Safe"  
[X Link](https://x.com/mtucreativity/status/1711466379126177831)  2023-10-09T19:39Z [----] followers, [----] engagements


"A well diversified portfolio should have some exposure in Treasury bonds. Investors can either purchase individual bonds or buy them through a bond fund (bond unit trusts or ETFs). The two are radically different investments as much as they deal with the same asset class"  
[X Link](https://x.com/mtucreativity/status/1712016371989499926)  2023-10-11T08:04Z 12.1K followers, 10.2K engagements


"Treasury Bonds & Bills are grossly undervalued by local retail investors. They are not just assets to consider when looking for fixed income they are critical tools when it comes to managing liquidity ie managing your cash position & cash flow problems. The yields on these securities also influence the rates offered on other fixed income & borrowing instruments. Investors should monitor these rates as they reflect the prevailing market conditions and sentiment aiding in informed decision-making related to liquidity management and investments in an economy"  
[X Link](https://x.com/mtucreativity/status/1712457387112583414)  2023-10-12T13:17Z 12.1K followers, [----] engagements


"I bet you have not read what I wrote or you didnt understand what I wrote. [--]. The default risk is coming in June [----] (maybe) so I dont see any risk taking advantage of 91-day or 182-day TBills. Check you will see thats what smart money is doing. [--]. High Risks is not always bad as long as you know your risk tolerance and are well diversified. If the government defaults thats fine we will survive. If it doesnt we will be left holding a bond with higher interest and can sell it for profit instead of holding to maturity. [--]. Your main problem is using imaginary money to argue with people If you"  
[X Link](https://x.com/mtucreativity/status/1712507028952822147)  2023-10-12T16:34Z [----] followers, [---] engagements


"@drowssap89 The risk has increased and they are sell the long duration bonds and most are buying the short term TBills instead to manage their liquidity"  
[X Link](https://x.com/mtucreativity/status/1712507968996974648)  2023-10-12T16:38Z 10.2K followers, [---] engagements


"In bonds here are how things are kwa ground youll either hold to maturity or sell it kwa secondary market before maturity. TLDR When you buy a [--] year bond 13% interest and hold to maturity you will receive the interest every [--] months. Risks default risk & inflation risk other than that you are fine. If you were to sell the bond in the secondary market then these are things you should consider and know. [--]. If you try selling a bond less than Ksh 8M in Kenya you will most likely be a price taker. You will most likely sell at the prevailing price no matter what. [--]. You will also face the"  
[X Link](https://x.com/mtucreativity/status/1712519910268547106)  2023-10-12T17:25Z 10.2K followers, [---] engagements


"This is true but what I am trying to help everyone understand is when you are well diversified this will affect a small allocation in your portfolio. In my case only 14% will be directly affected. But I still use the treasury bills to manage my cash liquidity. This is short term money 💰"  
[X Link](https://x.com/mtucreativity/status/1712529234034569534)  2023-10-12T18:02Z [----] followers, [---] engagements


"My Core portfolio has [--] ETFs $VOO (S&P [---] index) $SMH (Semiconductor companies) $SCHD (Dividend ETF) $IEMG (Broad Emerging Markets ETF) YTD: 14.06% 1YR: 24.42%"  
[X Link](https://x.com/mtucreativity/status/1713068343572172933)  2023-10-14T05:44Z [----] followers, [----] engagements


"Im looking to add three ETFs $QQQM (Cheaper version of $QQQ) $IBB (Biotech ETF) and another ETF that will give me exposure to the Health & Pharma Sector"  
[X Link](https://x.com/mtucreativity/status/1713068487717863625)  2023-10-14T05:45Z 10.2K followers, [---] engagements


"@RevolutionStra1 @Abdibinsaid @MwangoCapital Then they never did any due diligence because that billboard or ownership issue might have come up"  
[X Link](https://x.com/mtucreativity/status/1713798396337623365)  2023-10-16T06:05Z 10.2K followers, [---] engagements


"Oya @SafaricomSacco can you please clarify to the public that @sicsafaricom Safaricom Investment Sacco is different from you guys. Unless kuna story. Mtaniharibia mahesabu mukinyamaza hapo Also please I have said it before always avoid @sicsafaricom mkingongwa mkumbuke jina vizuri 😅"  
[X Link](https://x.com/mtucreativity/status/1713988458446770305)  2023-10-16T18:41Z 12.1K followers, 23K engagements


"Get Rich and Move to Uganda 💯"  
[X Link](https://x.com/mtucreativity/status/1714670307825328217)  2023-10-18T15:50Z 10.2K followers, [----] engagements


"@kahome_steve Na niliwawuon mapema Sold all my KCB shares and bought more centum na equity which are slowly going down 😅 That management cant turn this around you need an experienced banker here"  
[X Link](https://x.com/mtucreativity/status/1714905917429321773)  2023-10-19T07:26Z [----] followers, 11.7K engagements


"Next week earnings Tue: $GOOG $MSFT $SPOT $TXN $V Wed: $META $NOW Thu: $AMZN $INTC"  
[X Link](https://x.com/mtucreativity/status/1716072057023123854)  2023-10-22T12:40Z [----] followers, [---] engagements


"People are uncertain about whether to invest in the IFB bond. Some are considering Bitcoin due to FOMO while others are concerned about the depreciation of the KES and are looking into USD MMFs which by the way invest in local assets and bonds 😅 My friends if you had a solid financial plan you would know how to allocate your money without all these worries. A good financial plan should be simple straightforward and help you stay calm. I previously shared a one-page financial planning guide here. Every month you will be consistently putting your money to work because you have a diversified"  
[X Link](https://x.com/mtucreativity/status/1716764116856037759)  2023-10-24T10:30Z 11.9K followers, [----] engagements


"@REITSKenya Okay and which REITs do you want the investors to invest in 😅"  
[X Link](https://x.com/mtucreativity/status/1716882698122461531)  2023-10-24T18:21Z [----] followers, [--] engagements


"Youll understand why Will Smith and many men never leave their relationships no matter how bad it gets 😅 RIP Downtown Tony Brown"  
[X Link](https://x.com/mtucreativity/status/1719813233077354563)  2023-11-01T20:26Z [----] followers, 32.7K engagements


"If your schedule doesnt look like this you should focus on buying more ETFs & MMFs than individual stocks 😅 Most PMs have this schedule and still fail to beat the market index ETF of the local MMF returns"  
[X Link](https://x.com/mtucreativity/status/1719972311514673596)  2023-11-02T06:58Z [----] followers, [----] engagements


"@jnmuthama Mimi I wake up at around 9am so my schedule would be 11am to 4pm the rest is with kids family friends and fun projects. This is why I go hard on everything I do today 😅"  
[X Link](https://x.com/mtucreativity/status/1719994178875093137)  2023-11-02T08:25Z [----] followers, [---] engagements


"If you were to name the top businesses in Kenya Safaricom will definitely feature in your list. Now do you believe that Safaricom's business has declined more than 40% This is the tale the stock market has been telling us this year. Can you buy it at this price"  
[X Link](https://x.com/mtucreativity/status/1720360666102411745)  2023-11-03T08:42Z [----] followers, 14.9K engagements


"I always begin planning my portfolio for the upcoming year well in advance. Currently I hold an emerging ETF $IEMG but I believe I need to increase my exposure to the Indian market. During my research I identified two potential options: $FLIN and $INDA I like $FLIN 🧵"  
[X Link](https://x.com/mtucreativity/status/1720486754178777178)  2023-11-03T17:03Z 13.7K followers, [----] engagements


"As a $GOOGL shareholder I am quite happy with the aggressive Ads on YouTube but as a user man did they make watching YouTube videos quite annoying"  
[X Link](https://x.com/mtucreativity/status/1720685749840822617)  2023-11-04T06:13Z [----] followers, [---] engagements


"Anthony Taylor has been demoted to the championship. Yaani I am so happy. Saw his name trending yesterday and avoided it kabisa kumbe it was good news 😅"  
[X Link](https://x.com/mtucreativity/status/1720695338325967193)  2023-11-04T06:51Z [----] followers, [---] engagements


"Hillary There is no alternative to having an emergency fund 1) Sacco shares are almost illiquid (not easily converted to cash) & and deposits require you to exit the Sacco can take up to [--] days (Maybe get a loan which needs guarantors) 2) You don't want to be at the mercy of other people. I would not want a friend whose emergency plan is to borrow money from me. So you mean your disorganization is my emergency 3) If you have successfully built an alternative source of income or business you know how unpredictably long this can take. (A proper emergency won't wait for your multiple sources of"  
[X Link](https://x.com/mtucreativity/status/1721821903566893354)  2023-11-07T09:28Z [----] followers, [----] engagements


"Emergency Funds serve a single purpose: to provide you with peace of mind. They are not meant for investment growth or protection against inflation. Their sole function is to help you rest easy at night. Period"  
[X Link](https://x.com/mtucreativity/status/1721823478934839470)  2023-11-07T09:34Z [----] followers, 13.2K engagements


""Invest in preparedness not in prediction" Things we don't know: How the stock market will perform Whether Kenya defaults next year or any other year If we get laid off in the future Health issues Things we know: We are adequately prepared for any situation and can sleep knowing we at least have a fighting chance 💯"  
[X Link](https://x.com/mtucreativity/status/1722266459924222078)  2023-11-08T14:54Z [----] followers, 12.8K engagements


"Na Mtulie hii government iwatafutie hio interest rate ya IFB bond. Mlikuwa mnadhani hio 17.9% itatoka wapi 😅😅 #NationalID"  
[X Link](https://x.com/mtucreativity/status/1722311701918257585)  2023-11-08T17:54Z 10.2K followers, [----] engagements


"The amount of branding Marvel will need to do before releasing a new spider man movie will be crazy 😅 Africas spider men really watered down the brand 😅"  
[X Link](https://x.com/mtucreativity/status/1723968277422936562)  2023-11-13T07:37Z [----] followers, [----] engagements


"TBonds & TBills are key for liquidity management. I received interest payments from [--] Treasury Bonds this month 💰 Pro-tip: Spread out your bond purchases to ensure steady monthly payments throughout the year. Except for March & September my bond interests cover my insurance premiums. #FinancialPlanning #Investing @cheruiyotkb @CBKKenya @kahome_steve @mytradesignals @AIB_AXYSAfrica"  
[X Link](https://x.com/mtucreativity/status/1725387590931460140)  2023-11-17T05:37Z 12.1K followers, 68.1K engagements


"Before you start investing in bonds have at least 100K in MMF Before you start investing in local stocks have at least 100K in bonds Before you start investing offshore have at least 100K in local stocks Before you start investing in crypto have at least 100K in offshore Easy 💯"  
[X Link](https://x.com/mtucreativity/status/1725811080294002718)  2023-11-18T09:40Z [----] followers, 37.9K engagements


"Year In Year Out. A timeless step-by-step guide to building a strong defensive investment portfolio in Kenya"  
[X Link](https://x.com/mtucreativity/status/1726488796001431602)  2023-11-20T06:33Z [----] followers, 92.8K engagements


"@ssmusoke Money Market Fund deposit"  
[X Link](https://x.com/mtucreativity/status/1726504286602072195)  2023-11-20T07:34Z [----] followers, [----] engagements


"@ssmusoke You dont liquidate Youre building a portfolio why would you be demolishing whatever you built & starting over again The goal is build a portfolio with meaningful exposure in every bucket then adjust according to your risk tolerance Heres how mine looks like over the years"  
[X Link](https://x.com/mtucreativity/status/1726514677411193087)  2023-11-20T08:15Z [----] followers, [---] engagements


"I might be completely wrong about $ZIM so its either I learn a painful lesson or get rewarded handsomely when the rates are back up Bought more $ABNB $TSLA $ROG.SW"  
[X Link](https://x.com/mtucreativity/status/1726632138672570427)  2023-11-20T16:02Z 13.7K followers, [----] engagements


"@muzzkibz Simple You do what has been said there"  
[X Link](https://x.com/mtucreativity/status/1726873690518798737)  2023-11-21T08:02Z [----] followers, [---] engagements


"The @CBKKenya launched the DhowCSD web portal and mobile app - Two Steps: 1: Submit all your Treasury Bonds & Treasury Bills bids on DhowCSD After the results are released and your bid is approved 2: Visit your bank and provide the following details for payment to CBK; Transaction reference Cash amount for Auction payment CSD Account Number Dates Detailed Guide 👇🏽 (Video in the comments) https://www.centralbank.go.ke/wp-content/uploads/2023/08/User%20Guide%20for%20Investor%20Portal%20and%20Mobile%20APPs.pdf https://dhowcsd.centralbank.go.ke/ https://dhowcsd.centralbank.go.ke/"  
[X Link](https://x.com/mtucreativity/status/1727012144892330378)  2023-11-21T17:12Z 12.1K followers, [----] engagements


"Know your numbers: Finance is about numbers Personal Finance should not be about hard and complex numbers. Here are some numbers I believe you should know and track"  
[X Link](https://x.com/mtucreativity/status/1727197717682684194)  2023-11-22T05:30Z [----] followers, 39.4K engagements


"11-14% is the interest rate banks charge on loans be cautious if offered investments with guaranteed returns far above bank loan interest rates e.g. 25-40%. Ask why they don't opt for a bank loan with lower rates & keep the profits Whats their motives for seeking your money"  
[X Link](https://x.com/mtucreativity/status/1727208918777311270)  2023-11-22T06:14Z 10.2K followers, [---] engagements


"72/R where R is the annual interest rate reveals the years to double your money through compounding. Example: at 10% interest it takes 72/10=7.2 years. Let your money compound work for you. Avoid interruptions in the investment process"  
[X Link](https://x.com/mtucreativity/status/1727208921926881381)  2023-11-22T06:14Z [----] followers, [---] engagements


"(I*12) * [--] where I is the monthly income This target signifies a comfortable retirement fund. Adjust the multiplier (16 or 10) based on your preference. If your monthly expenses are 60k retire comfortably by investing (60K*12)*25=18M assuming your lifestyle remains constant"  
[X Link](https://x.com/mtucreativity/status/1727208924666036399)  2023-11-22T06:14Z [----] followers, [---] engagements


"Hello @finchat_io @Quartr_App @simplywallst @SeekingAlpha @QCompounding @themotleyfool Any Black Friday Deals"  
[X Link](https://x.com/mtucreativity/status/1727605462541996449)  2023-11-23T08:30Z [----] followers, [---] engagements


"Everyday I think about this One day I will start on this project but until then we wait scared of the possibilities 😅"  
[X Link](https://x.com/mtucreativity/status/1727648175815565479)  2023-11-23T11:19Z [----] followers, [----] engagements


"This shows why understanding your RISK TOLERANCE is very important and how it can help you NOT MISS OUT ON FUTURE INVESTMENT OPPORTUNITIES. We all remember the massive FOMO surrounding the issuing of this bond. The arguments against purchasing it were very sensible/rational btw with many investors avoiding the bond due to concerns about the company's potential default. This situation should serve as a valuable lesson for all of us as we assess the risks associated with various investments. @MworiaJ @CentumRE @CentumPLC"  
[X Link](https://x.com/mtucreativity/status/1727970606077956134)  2023-11-24T08:41Z [----] followers, [----] engagements


"Charlie Munger on India. This can also be said about the Kenyan populace. Individually you can meet few great honest people but The systemic corruption Dishonest activists Lazy worker Self serving ambition making it hard to achieve anything meaningful as a team community or a nation Kills you every single day"  
[X Link](https://x.com/mtucreativity/status/1730116385521446930)  2023-11-30T06:47Z [----] followers, [----] engagements


"Placing your trades and having them execute in the pre market trading period helps reduce market open anxieties Back in $PYPL"  
[X Link](https://x.com/mtucreativity/status/1730546956500439397)  2023-12-01T11:18Z 12K followers, [----] engagements


"Stats and media update 😅 Almost every black person you meet here is from Kenya 📸 Katara Doha"  
[X Link](https://x.com/mtucreativity/status/1730885639019647262)  2023-12-02T09:44Z [----] followers, [----] engagements


"Jameni [----] ni Ksh 610K siku hizi 👀"  
[X Link](https://x.com/mtucreativity/status/1730943788741202271)  2023-12-02T13:35Z [----] followers, [---] engagements


"Snapped some earlier today at [-----] & [-----] Managed to get my average below Ksh [--] 💪🏾 (19.77) $SCOM at [-----]. Last sighted [--] days ago. Buy when it's looking up. @NSE_Investors @mtucreativity https://t.co/kbxck8DgRl $SCOM at [-----]. Last sighted [--] days ago. Buy when it's looking up. @NSE_Investors @mtucreativity https://t.co/kbxck8DgRl"  
[X Link](https://x.com/mtucreativity/status/1731976963445628940)  2023-12-05T10:01Z 13.7K followers, [----] engagements


"Check out @Crowdcube for investing in early/growth-stage companies with equity/debt. It's high-risk illiquid and comes with agency risk - limited influence on business decisions. Valuations are often steep. I do it because I'm fascinated by these companies and use it as a way to keep tabs on their businesses. #startups #InvestingRisk"  
[X Link](https://x.com/mtucreativity/status/1731992718186782846)  2023-12-05T11:03Z [----] followers, [----] engagements


"@arny_trezzi @laorca_capital Look at $IBKR @IBKR Most international investors use it to invest in global stocks markets and bond markets. Most innovative stocks apps & bond trading apps are built on top of their platform They also offer infrastructure to institutional investment firms. And its Cheap"  
[X Link](https://x.com/mtucreativity/status/1732314529998999619)  2023-12-06T08:22Z 10.2K followers, [---] engagements


"@arny_trezzi @immigrant_boy88 @laorca_capital @IBKR I agree 💯 the app is nice and all but the process of depositing money into your account is still very painfully slow and stressful. You have to wire funds to their bank account 😅 @IBKR please fix this atrocity for gods sake"  
[X Link](https://x.com/mtucreativity/status/1732322924235784505)  2023-12-06T08:55Z [----] followers, [--] engagements


"@EACinvestor I have owned $WISE for a while now I am up 87% now"  
[X Link](https://x.com/mtucreativity/status/1732662286664286585)  2023-12-07T07:24Z [----] followers, [---] engagements


"Todays trades: Fixed Income: IFB Bond [---] years @17.9% Crypto: $BTC (#Bitcoin) ETFs $VOO (S&P [---] ETF) $SCHD (US Quality Dividends ETF) $FLIN (India ETF) Stock $TXT.WSE (Text SA quality value & high growth technology company in Poland) I am now broke"  
[X Link](https://x.com/mtucreativity/status/1732781298148573447)  2023-12-07T15:17Z 13.7K followers, [----] engagements


"@EACinvestor Thanks for sharing bro I didnt know this 🙏🏾"  
[X Link](https://x.com/mtucreativity/status/1733397149763715087)  2023-12-09T08:04Z [----] followers, [---] engagements


"Morning good people ile quick maths ya kuconvert USD to KES saa hii imefika ksh [-------] = $6525 The days of Kes 1M = $10000 are long gone"  
[X Link](https://x.com/mtucreativity/status/1734067988918055329)  2023-12-11T04:30Z [----] followers, [----] engagements


"Prioritizing paying off high-interest loans by regularly making extra monthly payments can be a smart financial move. Especially in an environment with increasing interest rates. It helps you save on interest payments & outperforms many investment options with lower risk"  
[X Link](https://x.com/mtucreativity/status/1734097934285770804)  2023-12-11T06:29Z [----] followers, 12.2K engagements


"If you are paying loan interest rate is 18% - 22% i.e. it is growing if you get some lump sum money [------] instead of putting it in a 12% pa MMF Consider using it to service your loan leaving you with a loan balance of [------] then increasing your monthly payments from 40k to [-----] and youll be able to clear the debt in [--] year"  
[X Link](https://x.com/mtucreativity/status/1734273888970842314)  2023-12-11T18:08Z [----] followers, [---] engagements


"Google high school/university "A-Student" mentality landed them in trouble. $GOOGL"  
[X Link](https://x.com/mtucreativity/status/1734294164299288579)  2023-12-11T19:28Z [----] followers, [---] engagements


"@postcoitalbliss @kasiva_mutisya This is Nick Sleep his work and letters influenced me to buy $WISE a company I intend to hold for a long time because it fits his model of "scaled economies shared" Also read his chapter in the @WilliamGreen72 book Richer Wiser & Happier 👇🏽 summary https://www.youtube.com/watchv=Nsk0JiYkGYQ https://www.youtube.com/watchv=Nsk0JiYkGYQ"  
[X Link](https://x.com/mtucreativity/status/1734875096680956278)  2023-12-13T09:57Z 10.6K followers, [---] engagements


"In [----] I set modest goals and I'm especially pleased with the Sacco one. I acquired a significant portion of Sacco shares from people here securing them at substantial discounts ranging from 30% to 50%. Working on a post on the link between setting clear financial goals and shaping a successful portfolio allocation strategy. Follow and Retweet 🙏🏾"  
[X Link](https://x.com/mtucreativity/status/1736642906448859421)  2023-12-18T07:01Z [----] followers, 52.3K engagements


"I think @CICGroupPLC Money Market Fund team are getting to comfortable with underperformance At a time when Bank Fixed Deposit 10% TBill 15% TBonds 17% Giving an 11% return while charging one of the highest management fees in the market is criminal plain robbery I wont recommend them to anyone moving forward. They are the new old mutual 😅"  
[X Link](https://x.com/mtucreativity/status/1736719522176868376)  2023-12-18T12:06Z [----] followers, 89K engagements


"@wamweaaa @CICGroupPLC I am still looking to see how they respond moving forward. I have always recommended @CICGroupPLC and @SanlamInvestEA just because I use them but CIC really needs to put in more work as I have said above"  
[X Link](https://x.com/mtucreativity/status/1736771848031854763)  2023-12-18T15:34Z [----] followers, [----] engagements


"Todays trade $DUOL Added to this recently opened position $SNOW Added more shares $SBLK Added more shares Waiting for an ideal opportunity to deploy final [----] money into the NSE"  
[X Link](https://x.com/anyuser/status/1736820174643507704)  2023-12-18T18:46Z [--] followers, [----] engagements


"Today trades (Actually purchases I always buy and hold) $IEMG emerging markets ETF seeking more exposure here $SCHD high quality dividends ETF income play $SMH semiconductor ETF I will need to get more exposure in some individual holdings. only have $NVDA now $VOO S&P [---] ETF"  
[X Link](https://x.com/mtucreativity/status/1737510481831567499)  2023-12-20T16:29Z [----] followers, [----] engagements


"Many Kenyans know about CRB but overlook how credit reports & scores affect finances. Regularly checking your credit report is crucial for financial security improving your score and ensuring a solid credit profile for a better tomorrow. #CreditAwareness"  
[X Link](https://x.com/mtucreativity/status/1737705801207152852)  2023-12-21T05:25Z [----] followers, [--] engagements


"I always use @MetropolCRB and love it for its simplicity and great user experience. The credit report takes time once you request it so just be patient until you get the message with the reference code you will use to download the credit report. While there you can access other services. As always this is not paid or an advert just my experience"  
[X Link](https://x.com/mtucreativity/status/1737705807058203001)  2023-12-21T05:25Z [----] followers, [--] engagements


"So what's your score mine ilishuka kiasi this year from [---] to 791"  
[X Link](https://x.com/anyuser/status/1737705810304647355)  2023-12-21T05:25Z [--] followers, [---] engagements


"The CRB report provides a comprehensive record of your credit history including credit accounts info credit inquiries payment history personal details and other important details. Lenders landlords and potential employers use it to assess your creditworthiness"  
[X Link](https://x.com/anyuser/status/1737757952310710330)  2023-12-21T08:52Z [--] followers, [---] engagements


"Detect errors and any anomalies: Errors on your credit report can happen very easily because the info there is mostly provided by third party institutions/apps and the can negatively impact your credit score. You can identify and dispute any inaccuracies promptly"  
[X Link](https://x.com/mtucreativity/status/1737757954986701002)  2023-12-21T08:52Z [----] followers, [---] engagements


"It often goes undetected for extended periods causing significant financial damage. By the time you discover the theft the perpetrator may have opened multiple fraudulent accounts leaving you with the arduous task of proving your innocence and rectifying the damage"  
[X Link](https://x.com/anyuser/status/1737757965732450708)  2023-12-21T08:52Z [--] followers, [---] engagements


"Maintaining a Healthy Credit Score: Improving your credit score starts with checking your credit report. Financial institutions and apps use CRB reports to assess your creditworthiness before approving loans or credit applications"  
[X Link](https://x.com/anyuser/status/1737757967963881788)  2023-12-21T08:52Z [--] followers, [---] engagements


"Your credit score plays a crucial role in determining your eligibility for loans credit cards and favourable interest rates (Some local banks have started doing this)"  
[X Link](https://x.com/mtucreativity/status/1737757970472038906)  2023-12-21T08:52Z [----] followers, [--] engagements


"Goal: Clarity of thought [----] was challenging I shifted the investment strategy every quarter risk-on and risk-off Don't try and spread your money in all asset classes while it is small (100% return on 10K is just 20K). Instead build a meaningful position in a few asset classes before going into other investments (Look at Real Estate)"  
[X Link](https://x.com/anyuser/status/1738134070272360893)  2023-12-22T09:47Z [--] followers, 15.5K engagements


"@gibzgait Here I am looking at Real Estate physical not REITs I dont have any real estate thats the plan for [----] (see & read the post)"  
[X Link](https://x.com/mtucreativity/status/1738139375278453008)  2023-12-22T10:08Z [----] followers, [---] engagements


"We are sooo back MFs WE UP #Crypto $AVAX 95% $SOL 72% $BTC 58% $CELO 26% $LINK 2% $ETH -8% $ADA -22% $MATIC -50% #Bitcoin #Solana #SOL #Ethereum #AVAX #CELO #ChainlinkBUILD"  
[X Link](https://x.com/mtucreativity/status/1738796749823603190)  2023-12-24T05:40Z 12.1K followers, [----] engagements


"Sometimes we say investing is risky but imagine a company with: Total assets: $11.63B Total liabilities: $5.74B [----] Revenue: $12.56B Last [--] months Revenue: $13.83B [----] Net Income: $4.62B Last [--] months Net Income: $5.9B FCF: $6.48B Trading at a market cap of $1.39B"  
[X Link](https://x.com/mtucreativity/status/1738812618754740658)  2023-12-24T06:43Z [----] followers, [----] engagements


"I mean $ZIM on paper ZIM's financials look impressive especially the high free cash flow of $6.48B compared to its market cap of $1.39B This discrepancy suggests an undervalued company with the potential for significant growth The recent surge in shipping rates has pushed the stock up 67% mbona huna hii"  
[X Link](https://x.com/mtucreativity/status/1738812622227587485)  2023-12-24T06:43Z [----] followers, [----] engagements


"@ABROfficialcsgo Correction sir a decrease in the market cap (share price) doesnt mean the business value decreased as well. While the market is always right sometimes it misprices companies and correct accordingly. 👇🏿 Sometimes we say investing is risky but imagine a company with: Total assets: $11.63B Total liabilities: $5.74B [----] Revenue: $12.56B Last [--] months Revenue: $13.83B [----] Net Income: $4.62B Last [--] months Net Income: $5.9B FCF: $6.48B Trading at a market cap of $1.39B https://t.co/9jdVs3esHM Sometimes we say investing is risky but imagine a company with: Total assets: $11.63B"  
[X Link](https://x.com/mtucreativity/status/1739842878707220709)  2023-12-27T02:57Z [----] followers, [--] engagements


"Spent this last Friday night deposited the equivalent in the CIC MMF Friday at 1:30 AM immediately after picking that tab 😅"  
[X Link](https://x.com/mtucreativity/status/1740072087635862013)  2023-12-27T18:08Z [----] followers, [---] engagements


"Heres my 100th answer to the question What tools do you use in your investment journey MMF @CICGroupPLC @SanlamInvestEA Local stocks @FIB_Kenya USD Bank account @imbankke @StanbicKE Offshore Stocks @Trading212 @IBKR Crypto @eToro @Ledger @blockchain Portfolio tracker @simplywallst @getdelta Expenses & budget planning @mobillslabs @fudgetapp Financial plan & notes @msonenote Research @Quartr_App @themotleyfool @SeekingAlpha @finchat_io @YahooFinance @wallminecom @WebullGlobal @Ainvest_Wire"  
[X Link](https://x.com/mtucreativity/status/1740087160999453132)  2023-12-27T19:08Z 12.5K followers, 49.7K engagements


"2024 default risk is back in full swing This administration words should not be trusted until we see it in action 😅"  
[X Link](https://x.com/mtucreativity/status/1740210072150773789)  2023-12-28T03:16Z 12.1K followers, [----] engagements


"If you are below [--] years old this is the last reminder. These are must haves - CV cover letter & LinkedIn account - Driver License - Passport - Kes USD bank account & @Wise account - Money Market Fund Account - Crypto Wallet If you are above [--] and dont have these please grow up you are letting yourself down 💯"  
[X Link](https://x.com/mtucreativity/status/1740235334737068211)  2023-12-28T04:56Z [----] followers, 58.4K engagements


"@_Wanyonyi1 Umesema asilambe patience yako 😅 I hear you"  
[X Link](https://x.com/mtucreativity/status/1740415636629500290)  2023-12-28T16:53Z [----] followers, [---] engagements


"Ndio kushighulikia mali uzuri $AAPL gains na dividends zinaweza changia vizuri sana Long term holder 💯"  
[X Link](https://x.com/mtucreativity/status/1740723139401879974)  2023-12-29T13:15Z 10.2K followers, [----] engagements


"2023 last trading actions Bought $SBLK $ZIM $GOOGL $MSFT $ROG.SW 💪🏾 Income $SPG REITs distribution $NVDA dividends Daily earnings from lending shares 💯"  
[X Link](https://x.com/mtucreativity/status/1740820159214821811)  2023-12-29T19:40Z 13.7K followers, [----] engagements


"It's tough seeing Celine Dion go through these challenges it pains me when I see her trending on TL; her music holds a special place in my heart that's hard to express. No one can understand ❤ Wacha tuskie hii while at it 👨💻🎶 #CelineDion"  
[X Link](https://x.com/mtucreativity/status/1741185841827807294)  2023-12-30T19:53Z 10.2K followers, 11.7K engagements


"Heres how my allocation looks like at the end of [----]. [----] I will be focusing on my ETFs holdings and add $QQQM a cheaper Nasdaq [---] ETF I am sure going to start the year with a huge allocation into cash [----] has massive [----] vibes We hope for good health"  
[X Link](https://x.com/mtucreativity/status/1741342093295980792)  2023-12-31T06:14Z 13.8K followers, [----] engagements


"Ever since I learned this lesson and course corrected my net worth kept growing. Now at [--] years I will be entering the Wealth Accumulation stage meaning it is time to be doubling down on what worked. Less new asset class single stocks new startups 😅 I should also clear all the debt by Q224 I have been putting it off as I built my offshore portfolio. I am sharing the tracker in the next post Books: - The Psychology of Money @morganhousel - Richer Happier Wealthier @WilliamGreen72 Good friends dont waste [--] years like me. Heres some tough lessons 👇🏿 When I started learning about investing I"  
[X Link](https://x.com/mtucreativity/status/1741346577581576625)  2023-12-31T06:32Z [----] followers, 23.1K engagements


"The @SafaricomSacco AGM will be held on Saturday 2nd March [----] at Safari Park Hotel Thika Rd from [----] am Key updates on the rebranding progress & dividend plus rebates announcements. I am also looking to buy upto Kes [------] worth shares @ 30% - 40% discount so if you are keen DM 💯"  
[X Link](https://x.com/mtucreativity/status/1758436607789531150)  2024-02-16T10:22Z 10.3K followers, [----] engagements


"Your risk appetite might be high but your risk tolerance is very low. Any serious loss of capital will set you back and get you down at zero. Focus on building the foundation on your portfolio first. Dont introduce unnecessary high risk in the portfolio for now. Step by step 🙏🏽"  
[X Link](https://x.com/mtucreativity/status/1759146616093557045)  2024-02-18T09:23Z 10.3K followers, [----] engagements


"Three ETFs I am focusing on growing this year: $VOO: S&P [---] ETF $SCHD: High quality dividend stocks $IEMG: Cheap emerging markets ETF with great geographical exposure to China India & South Korea Bonus: $FLIN $QQQM $SMH $XBI $IBB Are you focusing on any particular ETFs"  
[X Link](https://x.com/mtucreativity/status/1760249252243177944)  2024-02-21T10:25Z 13.7K followers, [----] engagements


"I have exited $AMD and taken profits bwana juu hii $NVDA inakaa kuiumiza kabisa 😅 Will be back soon #Tension"  
[X Link](https://x.com/mtucreativity/status/1760395632945066451)  2024-02-21T20:06Z 10.3K followers, [----] engagements


"Stocks I want to own researching them now might start building my positions #Text - $TXT.SA in Poland (Already own this will be adding more) #ZIGExN - $TSE [----] in Japan #Volaris Air - $VLRS in Mexico I also own these ETFs $IEMG $FLIN $KWEB great Emerging Markets exposure"  
[X Link](https://x.com/mtucreativity/status/1760566593103315411)  2024-02-22T07:26Z 13.7K followers, [----] engagements


"@Yonkokilasi Yes I still own $NVDA"  
[X Link](https://x.com/mtucreativity/status/1760575647120781337)  2024-02-22T08:01Z 10.3K followers, [---] engagements


"Thank God for the pre market trading Back in $AMD smaller position for now though 😅 I have exited $AMD and taken profits bwana juu hii $NVDA inakaa kuiumiza kabisa 😅 Will be back soon #Tension I have exited $AMD and taken profits bwana juu hii $NVDA inakaa kuiumiza kabisa 😅 Will be back soon #Tension"  
[X Link](https://x.com/mtucreativity/status/1760599093116576067)  2024-02-22T09:35Z 10.3K followers, [----] engagements


"This year my goal is to double down on my high conviction stocks & businesses (projects) #Focus Added these today #Wise $WISE #Roche $ROG #Amazon $AMZN #Meta $META #Alibaba $BABA #AMD $AMD #China Internet stocks ETF $KWEB"  
[X Link](https://x.com/mtucreativity/status/1760678685223653752)  2024-02-22T14:51Z 12.1K followers, [----] engagements


"@wiseshilling I love $JD & $PDD not sure if I will own them directly yet but I do have them through the ETFs I own. $MELI is a good counter but it has never come to my buying price. I will definitely look into it when it is cheap"  
[X Link](https://x.com/mtucreativity/status/1760925837719748701)  2024-02-23T07:13Z 10.3K followers, [---] engagements


"Looking forward to $SNOW earnings Also keen on $DUOL $BIDU $ZS $OKTA $VEEV"  
[X Link](https://x.com/mtucreativity/status/1761460388552482963)  2024-02-24T18:37Z 12.1K followers, [----] engagements


"Crypto is pumping: $BTC is the truth #Bitcoin But will need to load up on $ETH as well Crypto Portfolio the plan is to have 70% $BTC 25% $ETH and 5% others. #KeepBuyingKeepStacking 💯 https://t.co/mVTrwm2z0e Crypto Portfolio the plan is to have 70% $BTC 25% $ETH and 5% others. #KeepBuyingKeepStacking 💯 https://t.co/mVTrwm2z0e"  
[X Link](https://x.com/mtucreativity/status/1762883919966347722)  2024-02-28T16:54Z 10.3K followers, [----] engagements


"Heres how the Crypto portfolio performed in the last [--] years [----] (-70%) [----] (150.59%) [----] (27.01%) so far In crypto mambo ni matatu BUY HODL and DOUBLE DOWN (esp $BTC and small $ETH)"  
[X Link](https://x.com/mtucreativity/status/1762893535274054130)  2024-02-28T17:32Z 10.3K followers, [--] engagements


"Heres how the Crypto portfolio performed in the last [--] years [----] (-70%) [----] (150.59%) [----] (27.01%) so far In crypto mambo ni matatu BUY HODL and DOUBLE DOWN (esp $BTC and small $ETH)"  
[X Link](https://x.com/mtucreativity/status/1762895891973722381)  2024-02-28T17:41Z 10.4K followers, [----] engagements


"The recent CEO change at Snowflake ❄ is challenging my investment philosophy. Frank Slootman's leadership was a significant part of my investment thesis. Although conflicted I remain committed to the company's strategy and flawless execution so I'll maintain my position for now $SNOW"  
[X Link](https://x.com/mtucreativity/status/1763475691641659516)  2024-03-01T08:05Z 10.3K followers, [----] engagements


"I swear my US growth portfolio Long Offshore ETF Core portfolio Crypto portfolio Local bonds NSE portfolio Startups and career growth plus bank & travel accounts all up 😅 Bwana these good times are about to be disrupted by bear markets I know this feeling 😅"  
[X Link](https://x.com/mtucreativity/status/1763616758273859722)  2024-03-01T17:26Z 10.3K followers, [----] engagements


"I hope mmeona vile @SafaricomSacco wamecheza na 9% rebate on your deposits na 14% dividends on your share capital. Best way to spend this money These are good but I want you to reinvest keep stacking. Let it compound and grow. Keep investing good brothers 👍🏽"  
[X Link](https://x.com/mtucreativity/status/1764616777655361850)  2024-03-04T11:39Z 10.3K followers, [----] engagements


"@jnmuthama 💯 These days I prioritize long term games Naval says it better Play long-term games with long-term people. All returns in life whether in wealth relationships or knowledge come from compound interest"  
[X Link](https://x.com/mtucreativity/status/1765733405558259808)  2024-03-07T13:37Z 10.4K followers, [---] engagements


"How does one prepare for tough economic times or uncertainty [--]. Fund Emergency Funds (6 months) [--]. Invest in quality companies [--]. Excel at work to avoid layoffs [--]. Network & update CV for alternative income [--]. Save in stronger currencies (e.g. USD) [--]. Diversify investments offshore [--]. Increase cash liquidity [--]. Stay calm and avoid panicking [--]. Stay invested for long-term wealth [--]. Prioritize physical mental and financial health"  
[X Link](https://x.com/mtucreativity/status/1767634941104332806)  2024-03-12T19:33Z 10.4K followers, 21.8K engagements

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