Nictor Wangusi

Industrial Mechanical Engineering

[Nictor Wangusi @Wangusi]

@cheruiyotkb Just reading verse from @cheruiyotkb when I have just moved funds from MMF to this one.

[iPaul @iPaulCanada]

2026世界人工智能大会，某科技公司展示的跨时代教具--AI黑板

[cheruiyotkb @cheruiyotkb]

• @SanlamAllianzKe was formed after Sanlam and Allianz merged their African insurance businesses. So now you get both Sanlam’s local strength + Allianz’s global products in one company.

They cover Life, Health, and General Insurance for individuals, families, and businesses.

✅ Life & Investment Insurance for long-term goals, protection, and savings.

✓ Term Life: Pure cover. Pays out if you die during the policy term. It's the cheapest way to protect family or loan.

✓ Whole Life: Cover plus savings. Pays out when you die and builds cash value.

✓ Education Plans: Save monthly for school fees, university, etc. Pays maturity and death benefit.

✓ Retirement Annuities: Tax-efficient retirement savings. Top up until 55-60 then get monthly pension.

✓ Investment-Linked Plans: Part of your premium is invested in funds that have higher risk/return potential. >>

[Nictor Wangusi @Wangusi]

@cheruiyotkb All in all what @cheruiyotkb is telling you guys is that,at 12.5M the compound interest is generating most cash but because we have different lifestyle,, this is the basic one to start with, if your life is abit higher, then you need to pump in more.
The audience also matters.

[cheruiyotkb @cheruiyotkb]

don't let your past dictate your present relationship with money. Heal your mindset. Save with wisdom, and spend with intention.

spending money on yourself isn't automatically being irresponsible, and it isn't a waste. It should improve your well-being or add value to your life.

the goal isn't to accumulate money forever. The goal is to use money to create a secure, comfortable, and fulfilling life.

[Brian Nyandoro @BrianNNyandoro]

Money is a tool, not a museum piece. Save enough to create security.

Invest enough to create freedom. Spend enough to actually enjoy the life you are working so hard to build.

The goal is not maximum accumulation, it is having enough control over money that fear, impulse, and other people’s expectations no longer make your financial decisions.

[cheruiyotkb @cheruiyotkb]

Things that will make you run out of money in your retirement:

-Divorce
-High levels of debt
-Not planning for health expenses
-Many dependents on your money
-Underestimating your life expectancy
-Changing your spending habits especially after children finish school

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

Don’t fall into the comparison trap.

Investors often compare their returns with those of colleagues or friends.

A steady 10–12% per year can feel disappointing if someone else is earning 15%.

This can lead to poor investment decisions driven by emotion.

[Nictor Wangusi @Wangusi]

@TheAbojani @Davinedavid1 @mmnjug Hapo kwa Protection tunaweka nini?

[cheruiyotkb @cheruiyotkb]

Whatever the investment you pick, keep growing 💫

Every month, focus on one goal:

⚡Buy 500 ABSA shares
⚡Buy 1000 KENGEN shares
⚡Load your MMF account @ 8K
⚡Fund your SACCO deposits or share capital @ 8K

Build your portfolio consistently 💯

[cheruiyotkb @cheruiyotkb]

Real wealth starts when your money works harder than you do.

Build assets that generate income while you sleep, protect your time, and maintain uncompromised standards.

Stop just aiming for a million shillings. Aim to become the person for whom Sh 1M is just the beginning.

[cheruiyotkb @cheruiyotkb]

Imagine investing Sh 10M and earning about Sh 2M annually without touching the capital. That alone changes your entire financial life.

Then you’ll build the habit of saving and investing at least 30% of your income consistently every month. Someone earning Sh 80K monthly and saves 25K can build serious wealth over 10 years through discipline and compound returns.

[Footy Humour @FootyHumour]

We finally know who Pep was talking to 😭😭

[cheruiyotkb @cheruiyotkb]

Things that will make you run out of money in your retirement:

-High levels of debt
-Separation/divorce
-Underestimating life longevity
-Not planning for health expenses
-Loaning dependants a lot of money
-Changing your spending habits especially after children finish school

One more,

Starting a business one has no clue about because of pension money excitement.

Some people blow money on businesses they know little about and go back begging for full-time jobs.

Senior citizens need business skills otherwise they’ll keep throwing good money after bad money.

[Sholla Ard 🇰🇪 @sholard_mancity]

BREAKING: The Supreme Court has just made a massive ruling on YOUR pension money.

Attorney General Dorcas Oduor and 3 others LOST the case while defending the government’s position.

For years, the government treated pension money deducted from workers’ salaries as if it were public money.

That is why pension schemes faced endless bureaucracy, procurement rules, delays, and costly approvals before investing your savings.

The Association of Retirement Benefits Schemes challenged this in court.

They lost in the High Court.
Lost again in the Court of Appeal.
But on 15th May 2026, the Supreme Court finally ruled in their favour.

The court declared that pension schemes sponsored by public entities and state corporations are PRIVATE TRUSTS, not government money.

Meaning?

Your pension is YOUR money.
Not the government’s.

Trustees can now invest faster, avoid unnecessary procurement bureaucracy, and potentially grow retirement savings better for millions of Kenyans.
This is one of the biggest financial rulings most wananchi have never heard about.

[cheruiyotkb @cheruiyotkb]

One day that salary will stop. One day that business may slow down. One day your body will tell you it can no longer go like this.

You can retire at 60 and live up to 90. 30 years is not a weekend—it's another lifetime.

The same people you sacrifice everything for today may not be able to carry you tomorrow. Not because they hate you. But because life will be happening to them too.

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

Retirement success doesn’t happen at the finish line.

It’s built during the stages of your career.

[cheruiyotkb @cheruiyotkb]

More income streams to consider:

~Stocks dividends
~Online gigs/blogging
~Selling on commission
~Rental income or REITs
~Profits from a business
~Interests from bonds/MMF
~Salary income or consultancy
~Royalties from books or inventions
~Capital gains from appreciating assets

[cheruiyotkb @cheruiyotkb]

Wealth creation soars fom applying niche skills and establishing systems that expand your income, not just shrinking your lifestyle.

Increasing your earning ability expands options and reduces financial pressure.

The real long-term advantage comes from building skills that raise your value in the job market.

[cheruiyotkb @cheruiyotkb]

Dividend investing takes a lot of money to generate a good sized income, but once you build it, it pays you passively for the longest time.

Own profitable, stable companies instead of companies with momentary capital gains but no solid fundamentals.

With banking stocks closing books for dividend payment, prices are falling. Position yourself for the next wave.