Cellina Anduro

[cheruiyotkb @cheruiyotkb]

Your savings account gives you 3% p.a

MMF gives you an average of 8% p.a

Stocks give you at least +\- 25% p.a

Bonds give you an average of 12.5% p.a

Multi-asset funds give you 18% p.a

Same money. Different mindset. Different risk. Different results.

[Gichuki Kahome @kahome_steve]

5 reasons why you should not fix your money in a fixed deposit account:

1. Most fixed deposit accounts have lower rates compared to prevailing Money Market fund & T-bill rates

2. You can't easily access your money without being penalized

3. Your bank is lending the same money at 20% but only giving you 5%

4. If you want to fix money since you don't want to use it, you can invest it in a T-bill or a T-bond that matches with the maturity of when you want to use the money

5. If you are looking for a higher return on your savings. A money market fund will offer you a better return while still giving you ease of access to your money without any penalties.

[cheruiyotkb @cheruiyotkb]

When it comes to investments, real wealth is made in waiting.

On 19th August 2025, Car & General (NSE: $CGEN) traded at Ksh 33.00

​On 21st August 2026, it peaked at Ksh 374.25

​That’s a 11X return before counting cash dividends.

​The people who made life-changing money from it didn't day-trade it; they accumulated volume, reinvested dividends, and let time do the heavy lifting.

​The real wealth framework on the NSE is painfully simple, yet most people refuse to play it:

~​Find a promising business
~​Buy it consistently
~​Reinvest dividends
~​Give it time

The next $CGEN will come from a very "unlikely" stock.

[cheruiyotkb @cheruiyotkb]

At age 35, you've likely worked for > 5 years, internship included. Your income investments should equal at least 2X your annual net salary.

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

Thus, you may hold Sh 500,000 in SACCO deposits/share capital or Fixed Income Fund; Sh 300,000 in NSE stocks, Sh 200,000 emergency fund in a money market fund, and Sh 200,000 in a Treasury bill/bond.

These will earn you annually:

• Sh 50K from the SACCO/FIF*
• Sh 25K from NSE stocks*
• Sh 18K from MMF*
• Sh 18K-22K from T-Bill/bond

* Depends on selected stocks, SACCO, or fund manager

Push your emergency fund from 3 to 6 months. If monthly expenses is Sh 50K, your emergency fund should be Sh 300K. Put in an MMF or FIF.

[cheruiyotkb @cheruiyotkb]

#FinanceFriday

Focus on improving your mindset.
Don't announce it, just go for it.
Spend some time reflecting.
You can always succeed.
Reinvent your process.
Work on your body.
Feed your mind.
Acquire skills.
Read broadly.
Become.
Create.
Grow.
Win.

Great weekend ahead!

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

Set It and Forget It: Automating KES 10,000 to savings every payday means KES 120,000 saved annually without thinking about it.

What gets automated gets done.

[cheruiyotkb @cheruiyotkb]

Focus on your financial wellness,

•Get a job, or
•Start a business
•Save some money
•Invest in unit trust funds
•Invest in bonds and stocks
•Build a positive credit score
•Buy a plot or land
•Borrow on the title deed
•Develop the property

Happy New Week 🌹

[cheruiyotkb @cheruiyotkb]

Use your job to:

• Build an emergency fund
• Invest in assets
• Pay the bills

Use your weekends to:

• Enjoy your passion
• Build a side business
• Invest in financial literacy

If you can work 40+ hours a week for someone else, you can use the weekends to work on yourself.

[cheruiyotkb @cheruiyotkb]

Be so good in your business that the competition cannot ignore you.

Don't settle for average. That's the most important thing you can do to grow.

[Competition Authority of Kenya @CAK_Kenya]

PRESS RELEASE: OECD Peer Reviews of Competition Law and Policy in Kenya.

[Competition Authority of Kenya @CAK_Kenya]

At the International Competition Network (ICN) Merger Workshop held in Mauritius from 15th to 17th October 2025, the Authority was recognized for its commitment to quality-driven & technology-enabled merger control.

Read more: https://t.co/B6P2hw9suw

[Competition Authority of Kenya @CAK_Kenya]

PRESS RELEASE: The CAK’s Sanction On Steel Cartel Affirmed As Competition Tribunal Rejects Appeal by Seven Manufacturers.

[Competition Authority of Kenya @CAK_Kenya]

Today, the Authority commences implementation of its 4th Strategic Plan.

The Plan, which covers the period to 30th June, 2028, is accessible via: https://t.co/84UkGYYzEE

[Cellina Anduro @m_ambiyo]

Know more about your rights as a Consumer

[Citizen TV Kenya @citizentvkenya]

Enforcing Competition Laws:

Regulator puts several sectors on notice over unfair competition

Cement, edible oils, steel industry, and agriculture sectors on notice

#CitizenMondayReport @TrevorOmbija

[Competition Authority of Kenya @CAK_Kenya]

The African Continental Free Trade Area (AfCFTA) Secretariat recently convened the 10th Meeting of the Committee on Competition Policy to deliberate draft regulations aimed at strengthening the competition framework under the AfCFTA.

[Law Society of Kenya @LawSocietyofKe]

Advocates of the High Court of Kenya have been encouraged to embrace Competition Law and Policy for the benefit of consumers in line with the Constitution.
The Advocates who are attending concurrent Sensitisation Forums on Competition Law in Mombasa (Sapphire Hotel) and Kajiado (Enchula Resort) heard that Competition Law and Policy promotes consumer welfare by encouraging lower prices, high quality services and economic efficiency.
It also maintains and promotes healthy competition, prevents monopolies and dominant firms from abusing power and prohibit cartels.
Facilitators from the @CAK_Kenya said the Law keeps the market open for new entrants and fair for competitors. It also promotes market integration.
The Advocates were attending The Advocates Sensitisation on Competition Law & Policy Forums - a Continuing Professional Development (CPD) partnership between the Law Society of Kenya (LSK) and the @CAK_Kenya .
The forums that kicked off on Monday this week are ending today after sessions in Kwale, Malindi, Mombasa, Kitui, Machakos, and Kajiado.
The topics covered by experts from the Competition Authority of Kenya included the goals of Competition Law/Policy, Merger Review Process & threshold, Investigating Anti-Competitive Practices and Understanding the Scope of Market Inquiries.
The Facilitators from the @CAK_Kenya include Maurice Nzuki, Advocate Mugambi Mutegi and Chris Muteti (Malindi, Kwale & Mombasa) Ninette Mwarania, James Mutisya, Gloria Rono Advocate, Emily Makena, Samuel Roba and Brenda Maina.
The Forums which, are free, attract 1 CPD Unit per participant.

[Law Society of Kenya @LawSocietyofKe]

The Law Society of Kenya (LSK) in partnership with the @CAK_Kenya has kicked off a series of Sensitisation Forums for Advocates from Monday, 19th to Friday 23rd May 2025.
The Advocates Sensitisation on Competition Law & Policy Forums are in Mombasa, Malindi, Kwale, Kitui, Kajiado and Machakos.
The topics to be covered by experts from the Competition Authority of Kenya include Goals of Competition Law/Policy, Merger Review Process & Threshold, Investigating Anti-Competitive Practices and Understanding the Scope of Market Inquiries.
The event which is free attracts 1 CPD Unit to each participant.

#CompetitionLaw

[Competition Authority of Kenya @CAK_Kenya]

The Authority will from 14th April, 2025 host four stakeholder workshops on Mergers & Acquisitions in four counties per the attached flyer. Mark your calendars!

[Competition Authority of Kenya @CAK_Kenya]

Let’s engage about our rights as consumers.

Friday. 21st March, 2025.

2PM.

Link: https://t.co/41xulNp9BF