Caleb cnk

God above all |
Employee no.1 at TechGaetano

[Caleb cnk @caleb_cnk]

The only thing we have to fear is fear itself
- Franklin Roosevelt

[Citizen TV Kenya @citizentvkenya]

Susan Burns – Ag. US Ambassador to Kenya: Kenya has a very educated and talented workforce. I’d love to see what more we could do particularly in the tech sector. There is already a lot that is happening here. I would encourage anybody thinking of studying in the US to look at our social media because we advertise the opportunities we have #SportyMonday

[Caleb cnk @caleb_cnk]

@_falsi1ke Amen

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

The main reason people join SACCOs is not for dividends, but to access affordable loans.

In 2024, SACCO members borrowed a total of Ksh 542.76bn, distributed as follows...

Land & Housing: Ksh 137.12bn (25.3%)

Education: Ksh 119.49bn (22.0%)

Agriculture: Ksh 108.80bn (20.0%)

Trade: Ksh 63.14bn (11.6%)

Consumption & Social services: Ksh 48.90bn (9.0%)

Finance & Insurance: Ksh 35.26bn (6.5%)

Manufacturing: Ksh 19.20bn (3.5%)

Human Health: Ksh 10.85bn (2.0%)

Total: Ksh 542.76bn (100%)

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

For a first time investor, you should be conversant with:

✔️Money Market Funds - Short term investments with low risk
✔️Stock Markets - Invest in dividend paying stocks at the NSE
✔️A SACCO - Join a regulated SACCO that pays competitive dividends on share capital
✔️Insurance - Protect your assets from losses incase of a risky event
✔️Pension Schemes - You won’t stay young forever, save for your retirement days now
✔️Government Bonds - Invest in infrastructure bonds as a source of passive income

[Daily Stoic @dailystoic]

It never ceases to amaze me: We all love ourselves more than other people, but care more about their opinion than our own. — Marcus Aurelius

[Moe @moneyacademyKE]

Small SACCOs in Kenya with few members will be forced to merge with bigger ones.

CS Oparanya says many BOSA-only SACCOs are inactive or weak, and the move aims to strengthen the sector.

[Moe @moneyacademyKE]

KRA has issued new import rules starting Oct 1, 2025.

The new rule says a Certificate of Origin will be required if you are importing goods, but some items are exempt and other documents may be accepted if the certificate is missing.

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

6 Apps to help you with your personal finances & Investments

AIB DigiTrader by @AIB_AXYSAfrica for local stocks

@mTek_Services for Insurance

@IBKR for foreign stocks and ETFs

Vuka by Acorn Investments for REITs

*361# by @UFAAKenya (checking unclaimed assets)

DhowCSD by CBK for government bonds

[Gichuki Kahome @kahome_steve]

There are other attributes of the different asset classes that may affect the total returns

1. For rentals: the property may appreciate in value, rental income may fluctuate.

2. For the dividends, the dividend yield may change, capital gains or losses can be realized

3. For the IFB, no capital gains after maturity.

4. For the MMF, the return charges daily depending on market conditions,

you also stand to benefit from daily compounding of the principal + interest earned

[Gichuki Kahome @kahome_steve]

You've just won KES 10M in a lottery and you decide to invest 100% of the winnings to generate passive income

Which of these options are you picking:

1. Rentals at 8% Rental Income per annum - 60K per month

2. An IFB at 16% per annum - 133K per month

3. A Dividend King like Stanchart with a dividend yield of 16.6% - 132K per month (net of taxes)

4. MMF with a return of 15% - 105K per month (net of taxes)

Hint: Don't just look at the returns displayed, look at other features of the different assets as well

[EDGAR @edgarwabwire_]

Keep turning on the 24-hour disappearing messages feature on WhatsApp, and one day someone will forward you an opportunity that you’ll completely miss because of your Stupidity.

[Moe @moneyacademyKE]

CBK will start real-time monitoring of transactions from Aug 22 under its new “Granular Data Integration” system.

The new framework will cover RTGS, PesaLink, and mobile money to boost oversight and detect risks.

[Gichuki Kahome @kahome_steve]

2024 will go down as one of the best years for Kenyan investors.

We had an IFB fetch a coupon of 18.6%
NSE gained 34%
The S&P 500 gained 23%
The KES appreciated by 24% against the USD

Kenyan investors won across all asset classes!
Local & global markets

[Caleb cnk @caleb_cnk]

Looking for structural designs.
Kindly reach out with proper mulls.

[Reads with Ravi @readswithravi]

“Any fool can know. The point is to understand.”

— Albert Einstein

[Physics In History @PhysInHistory]

You will never live if you are looking for the meaning of life. Fall in love with some activity and do it! Nobody ever figures out what life is all about and it doesn't matter.

- R. Feynman

[Ryan Holiday @RyanHoliday]

“If it is not right, do not do it, if it is not true, do not say it.” – Marcus Aurelius

[Philosophy Quotes @philosophors]

“At the end of the day, we can endure much more than we think we can.”

— Frida Kahlo

[Eye On Malta @EyeOnMalta]

@QuoteNietzsche You have the wrong handle name.

Man laughs because at that precise moment he has experienced joy or understood a new idea.

The aha moment of the pun/joke is the entry point of a new concept from the field of possibility to logic.

The purpose of life is joy and creation.

[Paperman @PapermanZA]

@QuoteNietzsche We're the only species that fully grasps our own limitations, failures, and inevitable death - which creates a level of existential weight that requires some kind of pressure valve. Laughter serves as that release mechanism.