JUSTIN MWEMA

💰 Money | Saving | Investments
Making money made simple for everyday people.
Daily wealth tips & smart money ideas. mmf ,stocks , special fund, bonds ,SACCOS

[JUSTIN MWEMA @MwemaJustin]

“I share daily ideas on saving, investing, and growing wealth in Africa. Follow if you want your money to work for you 💰”

[JUSTIN MWEMA @MwemaJustin]

But your wealth journey is just getting started.

Every dollar you save is a brick.
Every dollar you invest is mortar.
Build your empire.
One brick at a time.

Keep going.
#WealthBuilding #MoneyMindset

[JUSTIN MWEMA @MwemaJustin]

There's no investment that fits everyone.
Choose investments that match:
Your goals
Your time horizon
Your risk tolerance

[JUSTIN MWEMA @MwemaJustin]

Inflation quietly reduces the value of idle cash.That's why many investors spread their money across different assets:
-Money Market Funds – liquidity
-Treasury Bonds – regular income
-Dividend Stocks – long-term growth
-Special Funds – higher growth #LetYourMoneyWorkForYou

[JUSTIN MWEMA @MwemaJustin]

5/ NASI had a strong week, +3.08% to 225.98. Market cap up nearly 4% w/w.
6/ Public debt sits at KSh 12.83T as of March. Domestic debt alone: KSh 7.15T.

[JUSTIN MWEMA @MwemaJustin]

1/ CBK Weekly Bulletin (July 3) — a few things stand out this week 🧵
2/ FX reserves surged to $14.05B, pushing import cover to 6.0 months — biggest jump in weeks. KES holding steady at ~129.30/USD.

[JUSTIN MWEMA @MwemaJustin]

3/ Inflation cooling slightly: 6.4% headline in June vs 6.7% in May. Core inflation still elevated at 3.7%.
4/ T-bill yields keep grinding higher — 91-day 8.84%, 182-day 8.96%, 364-day 9.0%. Bond yields also up across the curve.

[JUSTIN MWEMA @MwemaJustin]

5 Money Mistakes That Keep People Poor

Avoid these common mistakes:
-Saving without investing
-Spending every salary increase
-Chasing "get rich quick" schemes
-Investing without research
-Waiting for the "perfect time"Wealth is built through good habits, not lucky breaks.

[JUSTIN MWEMA @MwemaJustin]

Absa Group is moving to consolidate control of Absa Bank Kenya.
The details:
-KSh 30.9B tender offer
-Stake rises from 68.5% → up to 85%
-KSh 34.50/share
-Implies 8.2x trailing P/E
-NSE listing stays intact (min. 15% free float retained)
-Offer window: June 30 – Aug 11, 2026

[JUSTIN MWEMA @MwemaJustin]

Absa Group moves to raise stake in Absa Bank Kenya to 85% via a KSh 30.9Bn tender offer at KSh 34.50/share.
Premium buyback for minority shareholders. NSE listing stays.
Big confidence in the Kenyan banking subsidiary!
#Absa #NSEKenya

[JUSTIN MWEMA @MwemaJustin]

You're halfway through the week.
But are you halfway to your financial goals?
Quick check:
Did you save this week?
Did you invest this week?
Are you tracking your spending?
If you're not measuring it, you're not managing it.
Stay on track.
#WealthMindset

[JUSTIN MWEMA @MwemaJustin]

The 1% Better Rule
You don't need to double your wealth overnight.Just become 1% better with money each week.
✔ Save a little more.
✔ Learn one investing concept.
✔ Review your portfolio.
✔ Avoid one unnecessary expense.
Small improvements, repeated consistently .

[JUSTIN MWEMA @MwemaJustin]

"Etica Special Multi-Asset Fund shining in Q2!
22.13% Effective Net Annual Yield.
Diversified multi-asset strategy delivering strong results.
Another high performer in the Kenyan market.
Let me know if you want to add more details or adjust the tone!

[JUSTIN MWEMA @MwemaJustin]

One Income Is Risky

If your salary stops today. How many income streams would you still have? Wealthy people don't rely on one source of income. They build multiple streams:
-MMF
-Dividend Stocks
-Treasury Bonds
-Rental Income
-Business Ownership

[JUSTIN MWEMA @MwemaJustin]

Stop gambling. Start stacking.
MMF is the smart foundation for your empire:
-Protects your capital (low risk)
- Gives better returns than bank savings
-Accepts daily top-ups easily
-Keeps your money accessible
-Helps you grow wealth with discipline
Investing is a journey.

[JUSTIN MWEMA @MwemaJustin]

Stop Looking for the "Perfect" Investment
The biggest mistake isn't choosing the wrong investment. It's never getting started.
You don't need the perfect portfolio.
You need a plan.Start with what you understand.Learn as you grow.Invest consistently.Progress beats perfection.

[JUSTIN MWEMA @MwemaJustin]

Your money doesn't take a day off.
Neither should your discipline.
Save today.
Invest today.
Grow today.

Small daily actions.
Massive future results.
Stay consistent. Stay patient. Stay wealthy.
#WealthBuilding

[JUSTIN MWEMA @MwemaJustin]

Mansa-X shines again in Q2!
KES Fund delivered 5.95% net return in the second quarter, pushing H1 2026 to 10.97% net (~23% annualized).
A top-performing special fund for Kenyan investors seeking diversified global exposure.

[JUSTIN MWEMA @MwemaJustin]

The Best Investment Isn't Always the Highest Return
A 20% return means little if you panic and sell.
A 10% return you can stick with for years may build more wealth.
The "best" investment is the one you understand and can stay invested in through good and bad times.

[JUSTIN MWEMA @MwemaJustin]

Wealth is not made in one lucky day.
It’s built through consistent, smart decisions.
Ditch the gambling mentality and embrace MMF
-Safe & stable
-Higher returns than savings
-Easy daily top-ups
-High liquidity
-Matches your risk tolerance perfectly
Start small. Stay consistent

[JUSTIN MWEMA @MwemaJustin]

Monday is over. Tuesday is here.

Still waiting for the "perfect time" to start?

Newsflash: It doesn't exist.

Start small.
Start messy.
Start now.
Your future wealth doesn't care how you started.
It only cares that you did.
No more waiting.
#WealthMindset