Temor

Fact collector.

[Temor @Davisronoh]

@AbsaKenya 12 hours later and your app is still NOT working. Yet you keep sending messages saying it’s working! Very poor customer service

[Abojani Investment 🇰🇪🇺🇬🇹🇿 @TheAbojani]

If you aren't maximizing a SACCO yet, here are the real benefits you are leaving on the table:

High-Yield Returns: Top-tier SACCOs consistently pay out between 10% to 20% annually in dividends on your shares, completely outpacing standard bank savings.
The Power of Leverage: You can borrow up to 3x or 4x your total savings. This gives you instant access to low-interest, regulated credit to buy land, fund a business, or invest in other assets.
Forced Discipline: Monthly contributions act as an automatic "pay yourself first" system, locking your money away from impulse spending so it can compound.
Cheap Credit: SACCO loans may use a transparent reducing-balance structure, making debt much cheaper to clear.

[Gichuki Kahome @kahome_steve]

Before you join another Chama this year:

Build your emergency fund, repay your debts, and update your Health Insurance.

Those are the financial goals that really matter.

They deserve to be given first priority

[Vick | Wealth @VickWealthHQ]

Pergamon Investment Bank Stock Recommendation

BUY
•⁠ ⁠SCOM
•⁠ ⁠⁠HFCK
•⁠ ⁠⁠EQTY
•⁠ ⁠⁠KEGN
•⁠ ⁠⁠DTK
•⁠ ⁠⁠KCB

[Abojani Investment 🇰🇪🇺🇬🇹🇿 @TheAbojani]

Building wealth is often simple in theory but difficult in practice.

The basic formula is to spend less than you earn, and invest the difference consistently.

Yet many people struggle with this because of lifestyle inflation, the comparison trap, and the habit of rewarding themselves immediately after earning money.

[Herman Waita @HermanWaita]

If you told Kenyans that there is a money market fund with a 15% annual return...they will crawl through hot coal to invest their $ there.

Tell the same Kenyan to invest 450k in a heat pump, solar panels and storage batts..saving 70k a year (15%) in elec cost...zero interest

[cheruiyotkb @cheruiyotkb]

#WealthWednesday

1. Spend what’s left after saving. Discipline comes before wealth.

2. You don’t need a million to start investing. You need consistency, patience, and literacy. Start small, but start early.

3. The biggest financial trap is lifestyle inflation. Each time your income grows, let your investments grow faster.

4. Build an emergency fund before chasing luxury. Peace of mind is unmatched.

5. The poor buy comfort, the rich buy assets, the wise buy time. Choose wisely.

6. If you can’t explain how you make money, you’re one emergency away from being broke. Know your streams.

7. Financial freedom isn’t just quitting your job, it’s about having options.

8. Learn to delay gratification. Small sacrifices today buy big freedom tomorrow.

9. Never envy someone’s lifestyle until you’ve seen their liabilities.

10. The goal isn’t just to make money, it’s to keep it, grow it, and make it work without you.

[Gichuki Kahome @kahome_steve]

Many Kenyans don't know that they can invest in global companies like Nvidia, Tesla, Meta, Amazon, Netflix, etc

In this thread I answer the frequently asked questions about investing in offshore stocks & ETFs as a Kenyan.

1/ What's the minimum investment required?

[cheruiyotkb @cheruiyotkb]

If you earn Sh 30K monthly and invest Sh 3K, you are way better than someone who earns Sh 50K per month but has 0 investment.

Oftentimes, your behaviour is the most important thing in wealth creation. Don't despise small beginnings.

Save/invest that Sh 1000 and compounding will do the heavy lifting for you.

[Abojani Investment 🇰🇪🇺🇬🇹🇿 @TheAbojani]

A fixed income of KES 50,000 per month might be useful today, but five years from now, it may barely cover your bills.

That’s why investment-based passive income (like dividend stocks, unit trusts, or REITs) tends to be more protective over time.

[Abojani Investment 🇰🇪🇺🇬🇹🇿 @TheAbojani]

Dear investors,

Strive to make at least 100K every year between May - June from NSE listed companies as they pay final year dividends.

Investing is all about planning and positioning.

[cheruiyotkb @cheruiyotkb]

Many people earn money every month, spend almost all of it, and have nothing left to build wealth.

Wealth creation starts with understanding your income, expenses, profits, and losses.

~Spend less than you earn
~Invest the difference
~Let your money work for you

[Kimuzi @Kimuzi_]

1. Lipia Badge.
2. Saka 500 verified.
3. Fikisha right impressions.
4. Invest Kwa MMF ama Sacco.
3. Chukua loan Kwa Sacco Jenga rentals.
4. Chukua loans on rentals Jenga ghorofa.
5. Chukua loan Kwa ghorofa Jenga an estate.

That's how generational wealth is created.

[Market Cap Trainers @NSE_Investors]

Companies you should consider having in your NSE portfolio as we watch the year slowly unwinding down:
1. KCB
2. Equity bank
3. Diamond Trust Bank
4. Co-operative Bank of Kenya
5. Bank of Kigali
6. Kenya Power
7. KenGen
8. Carbacid Investment Company
9. Safaricom
10. Williamson Tea
What should be added to the list?

[cheruiyotkb @cheruiyotkb]

Some people graduate after 16+ years of schooling and struggle to find jobs paying Sh 30K a month.

Meanwhile, there are traders, farmers, PSV operators, light industrialists, and entrepreneurs making far more because they mastered a skill and solved real problems. >>

[cheruiyotkb @cheruiyotkb]

not exerting pressure on anyone but aim at a minimum investment portfolio worth 24 months of your current monthly income.

if your net monthly income is Sh 50K, your minimum investment target should be Sh 1.2M.

push your emergency fund from 3 to 6 months. if monthly expenses is Sh 30K, your emergency fund should be Sh 180K. put in an MMF or FIF.

[Gichuki Kahome @kahome_steve]

Each and every day, I come across investors who regret going big into real estate:

- Requires expensive loans to set up
- not as "passive" as they thought as you still have to manage tenants, repairs, deal with KRA, etc
- Rental yields are low and other income yielding assets like bonds, dividend stocks tend to do better and give stress free income
- Tieing up more than 50% of your portfolio into an illiquid asset that would take several months to dispose.
- Rent prices not always hiked to match rising inflation.

Why subscribe to all this struggle?

[Abojani Investment 🇰🇪🇺🇬🇹🇿 @TheAbojani]

Common mistakes in stock investing.

Stock investing can be a great way to grow wealth, but many people lose money due to avoidable mistakes. Here’s what to watch out for:
1/5

[cheruiyotkb @cheruiyotkb]

The fear of losing money keeps many broke in the long run.

Saving is good, but investing is what builds real wealth.

• Inflation quietly eats your savings every year. Sh 10,000 today may only buy Sh 7,000 worth of goods in a few years.

• Bank interest rates (5-7%) are often lower than inflation, so your money is actually losing value while sitting “safe”.

• Money under the mattress earns zero return and can be stolen, destroyed by fire, or eaten by mice.

• You miss out on dividends, capital growth, and compounding that quality NSE stocks like EQTY, BAT, and SCOM can provide.

[Moe @moneyacademyKE]

LSK has proposed new PAYE bands under the Finance Bill 2026:

Up to Sh30,000 → 0% (tax-free)
Sh30,001–38,333 → 20%
Sh38,334–500,000 → 25%
Sh500,001–800,000 → 27.5%
Above Sh800,000 → 30%