I started taking zinc in the morning, magnesium at night, and vitamin D with K2 at breakfast.
The doctor recommended it to me, I kept it up for 60 days, and after that…
Without exaggerating, my personality changed 180 degrees.
1. Zinc (In the morning)
My global stocks portfolio
1. Micron was my top pick for 2026 hence the top allocation.
2. I can no longer differentiate the semi conductors and I don’t want to buy them all hence SMH
As Hyperscalers continue to increase CapEx levels, much of this is flowing to semis
3. South korea was my emerging market bet for 2026. Will probably flip this to DRAM
4. Google remains my favorite Mag 7 name.
5. MELI has been the underperformer this year. But its still arguably the second best business I own after Google
A huge rebalancing needed as my winners have run by a lot.
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?
Avoid these money mistakes:
1. Never save your emergency fund in a SACCO BOSA account.
2. Never use your Money market fund for long term investing.
3. Never save money using your banks’ saving or fixed deposit account
4. Never use your Chama as your only savings or investment plan
5. Never borrow money to invest in stocks.
The biggest challenge new investors in the stock market face is:
Choosing which stocks to buy, when to buy, when to sell, etc
Well, why stress when we can share timely analysis, insights and recommendations for you to act on?
Not only for local stocks at the NSE buy also global stocks
Details below👇🏽👇🏽
Assuming you can manage to save 20K - 50K a month for the next 5 years,
You can easily create a portfolio that generates a passive income of 10K - 30K per month.
Here's a simple portfolio that you can create👇
Ukiwa na 60 Bob yako.
Buy Standard Newspaper
Angalia front page
Please Save Ruto…
Just peruse hapo mbio mbio
Go straight to page 20..
Spend 1 hour understanding how the rich are making money.
Let’s start with Money Market Fund and the interest rates they are offering’;
1. Etica Money Market - 11.22%
2. Lofty Corban - 10.15%
3. Gen Africa - 10.05%
4. Madison - 10.42%
5. Jubilee MMf - 10.17%
6. Kuza MMf - 10.36%
7. Arvocarp - 11.03%
Fixed Income Funds (Bond Fund) with highest returns are
1. Gen Africa - 10.5%
2. Co-Op Bond Fund - 10.16%
3. Co-Op Gratuity Fixed Income - 11.07%
4. Madison - 10.78%
5. Kuza Fixed - 11.55%
6. Etica Fixed Income - 13.20%
7. Jubilee Fixed - 10.97%
8. ICEA - 12.93%
9. African Alliance - 11.67%
Special Funds with highest returns
1. Lofty Corban - 15.27%
2. Etica special fund - 12.98%
Special funds changes in the last 24hrs
1. African Alliance - 0.9%
2. CIC Equity Fund - 2.6%
3. Arvocarp Thamani - 0%
4. Britam Equity - 3.48%
On the stock market (Just yesterday)
1. Car and General went up by 11.45%
2. Total Kenya went up by 6.06%
3. TP Serena went up by 4.49%
4. Uchumi went up by 1.62%
5. KQ went up by 1.25%
It means and investor who bought car and general shares on Wednesday and sold them on Friday made 11.45% profit. If he or she had invested Kshs. 1 Million he would have made Kshs. 114,500 in a single day!
Thats crazy.
Those buying crude oil made a profit of 2.6% per barrel, Gold +80.70%
Those who sold Bitcoins saw bad things. They made a loss of 2.03%
Those who invested in forex Euro/Usd made a 1.1703% margin.
S&P futures made a gain of 27%, Nasdaq futures made a gain of 131%
Buana making a 131% return in a day is crazy!
In Kenya though the Stock market did not perform well. The NSe 20- Share index went down 0.90 points. Wueeeeeh while and average of all the traded shares went down by 0.73 points. It was not a good day for traders..
Wewe Umenunua gazeti usome how Ruto want to be saved ama to Build wealth?
Remember inflation has jumped from 4.4% to 5.6%. Inflation going up is a bad thing to the poor and a good thing to the rich.
To the poor it shows the economy is shrinking and performing poorly. To the rich it shows the economy is expanding and growing.
Tutafute pesa jomba.
Components of a complete Financial plan?
1. An Emergency fund
2. A sinking fund
3. A KES portfolio
4. A USD portfolio
5. A Wealth Protection portfolio
Breakdown below 👇👇
The four Gospels are not random repetitions. Each one presents Jesus from a different angle, for a specific purpose and audience. Together, they give a full picture of who He is.
1. Matthew —>> Jesus as the King (Messiah)
Audience: Mainly Jews
Matthew focuses on proving that Jesus is the promised Messiah from the Old Testament.
• He starts with a genealogy from Abraham and David → showing Jesus is a royal descendant
• Constantly says: “This was to fulfill what was spoken by the prophet…”
• Emphasizes the Kingdom of Heaven
Why?
The Jews were waiting for a King. Matthew is saying: “This is the One you have been waiting for.”
2. Mark —>> Jesus as the Servant with Power
Audience: Romans (action-oriented people)
Mark shows Jesus as:
• Always moving
• Always serving
• Performing miracles
There are fewer long teachings and more actions.
• No genealogy (servants don’t need one)
• Focus on what Jesus does, not long explanations
Why?
Romans respected power and action, not long religious discussions.
Mark shows: Jesus is powerful, active, and authoritative.
3. Luke —>>Jesus as the Perfect Man (Savior of All)
Audience: Gentiles (non-Jews)
Luke presents Jesus as:
• Compassionate
• Caring for the poor, women, and outcasts
• Deeply human, yet perfect
• Genealogy goes all the way back to Adam (not just Abraham)
• Emphasis on prayer, mercy, and the Holy Spirit
Why?
Luke wants to show that Jesus is not only for Jews, but for everyone. “He is the Savior of all humanity.”
4. John —>> Jesus as God (Divine Son)
Audience: Everyone (universal)
John goes deeper than the others.
• Starts with: “In the beginning was the Word…”
• Clearly declares Jesus divinity
• Focuses on who Jesus is, not just what He did
Includes powerful “I AM” statements:
• “I am the Light of the world”
• “I am the Way, the Truth, and the Life”
Why?
John wants there to be no confusion:
Jesus is not just a prophet, He is God in the flesh.
God allowed four Gospels so we can see Jesus fully as:
• King (Matthew)
• Servant (Mark)
• Man (Luke)
• God (John)
How to invest KES 1M in Kenya?
1M in an IFB yielding 12.5% will give you 125K per annum.
1M in a dividend king like BAT at the NSE will give you 115.9K per annum after taxes. (Current div yield of 12.20%)
1M in a MMF with an annual yield of 9% will give you a return of 78K after taxes.
1M in SACCO deposits with a div yield of 12% will give you a return of 114K after taxes
1M in a special fund like Mansa X will give you 180K in interest (assuming an annual return of 18%)
1M in the average rental property in Kenya (8% return from rental income, with 90% plus occupancy) will give you 75K after taxes.
1M in your bank savings account will earn you a very big ZERO in a whole year!
You can earn $219/hour working from home or anywhere in the world doing easy jobs.
All you need is an internet connection and a mobile phone.
Like + comment 'Work' and I'll send you my step-by-step guide for FREE.
Must follow me to get this killer guide in DM.
FREE for 48 hrs only.
Instead of using that 500K to buy another plot of land that will not generate any cash flows for you, why not explore other options?
500K in an infrastructure bond with a 13% yield will give you 65K per annum
500K in a special fund like Mansa X will earn you 88K in interest per annum (Mansa X has averaged 17.6% p.a over the last 5 yrs)
500K in a SACCO like Stima Sacco will earn you 60K in dividends from share capital or 47K from rebates on Savings.
500K in a dividend king like BAT will earn you 60K in dividend income per annum.
Haya, endelea kujaza portfolio na tushamba in the middle of nowhere