mukangai wycliffe

God fearing and down to earth

[Muthoni Njakwe @muthoni_njakwe]

After encountering Jesus, Philip was fully convinced He was the promised Messiah. He went to his friend Nathanael and said:
“We have found the One Moses wrote about in the Law, and about whom the prophets also wrote - Jesus of Nazareth, the son of Joseph.”

Nathanael responded,
“Can anything good come from Nazareth?”

Philip answered with three powerful words:
“Come and see.”

Nazareth was small. Uncelebrated. Overlooked. It was not the kind of place people expected greatness to emerge from. Yet something good did come from Nazareth. In fact, the Savior of the world.

Greatness is not determined by where you start. It is determined by the purpose you carry and the faith you walk in.

So when someone asks,
“Can anything good come from there?”
Let your discipline answer.
Let your growth answer.
Let your character answer.
Let your results answer.
Let your life become the response:

Come and see.

[Gichuki Kahome @kahome_steve]

Treasury bonds are a great asset for financial planning.

You can pay rent, earn a monthly income or settle any monthly expense from the returns of Treasury bonds.

Through bond laddering you can have a bond that pays passive income each and every month.

Here's the explanation:

[Market Cap Trainers @NSE_Investors]

Ziidi Trader: All You Need to Know About Buying and Selling NSE Shares via M-PESA

Ziidi Trader is a new M-PESA mini app that allows users to buy and sell equities listed on the Nairobi Securities Exchange (NSE) directly from their mobile phones. The platform is designed to lower entry barriers and increase retail participation in Kenya’s capital markets.

✅What is Ziidi Trader?

Ziidi Trader integrates stock trading into the M-PESA ecosystem, enabling users to access NSE-listed shares without the traditional complexities of brokerage onboarding or CDS account opening.

✅Who is the Executing Broker?

-Kestrel Capital is the executing broker in the initial phase

-Additional brokers are expected to be incorporated over time, expanding market access and competition

✅No CDS Account Required

-Ziidi operates under a pooled omnibus structure, meaning:

-Users do not open individual CDS accounts

-Access to the stock market is enabled using existing M-PESA KYC credentials

-This significantly simplifies onboarding and reduces friction for first-time investors

✅Trade Settlement Explained

-The NSE traditionally operates on a T+3 settlement cycle

-Under Ziidi, user accounts are credited once trades are matched

-Kestrel Capital manages and completes the settlement process, shielding users from back-end complexities

✅Trading Costs & Fees

-Brokerage fee: ~1.5% per trade

-This is lower than prevailing retail brokerage rates of ~1.8%–2.1%

-The model relies on higher transaction volumes rather than high per-trade margins

-No wallet funding or withdrawal charges, reducing total transaction costs

✅Features Available in the Ziidi Mini App

-Ziidi Trader integrates key market tools directly into the app, including:

-Corporate actions (dividends, rights issues, bonuses)

-Portfolio analytics and performance tracking

-Top movers and counter-level performance data

-Real-time visibility into investments

✅Dividends & Sale Proceeds

-Dividends and sale proceeds are paid directly into the M-PESA wallet

-Users can also redirect funds to affiliated products such as Ziidi Money Market Fund (MMF)

✅Why Ziidi Trader Matters

-Foreign investors currently account for ~65% of NSE trading activity

-Ziidi aims to deepen domestic retail participation

-Mobile-first access, lower fees, and simplified onboarding could significantly expand local investor engagement

Bottom Line

Ziidi Trader represents a major shift in how Kenyans can access the stock market — bringing NSE investing directly to M-PESA, lowering costs, simplifying access, and empowering retail investors.

Mobile money meets capital markets in Kenya.

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

Morris, a 25-year-old investor, earned passive income last year from several investment vehicles: Money Market Funds, SACCOs, stocks, REITs, and bonds.

His returns attracted different tax rates:

SACCO interest: 5% WHT

Dividend income from stocks, SACCOs & REITs: 5% WHT

Coupon from a 20-year Fixed Coupon Treasury Bond: 10% WHT

Money Market Fund yield: 15% withholding tax (WHT)

Capital gains & Infrastructure Bond coupon: 0% tax

[Lion of the Mountain @BrianMPeter]

Guys, Don’t complicate things when learning Forex

It’s very simple

Assume you are traveling to Tanzania

If you are using the bus

Before you get to the boarder

The bus conductor will inform you that someone is boarding to change Ksh to Tanzania Shiling

That person will tell you

To change 1kshs - Tzsh they will give you 18 TZs for every shilling you have.

When you get to the boarder and walk into the Bureau, they will tell you 1 Kshs - 19 Tzs

When you get into Tanzania you realize that they are exchaging 1 Kshs - 15 Tzs.

Those are 3 different price spreads.

If you exchanged Kshs 100,000 at the boarder then you would have Tzshs. 1.9 Million (100k x 19)

If you met Kenyans in Dar who are in need of Tanzania shillings you can exchange them 1 Kshs. - 16 Tzs

So if you convert or sell your Tzsh. 1.9 Million to Kshs at the rate of 16 TZs you will have Kshs. 118,750/-

You will have made Kshs. 18,750 from your 100k which is 18.75% return per day tax free!!

That’s how forex works.

You do the same thing using an online platform.

What now you need to know is when there is demand and when there is oversupply.

If you sold you Tzsh for 20 you would have made losses.

It’s the same case with forex.

We call that arbitrage.

I hope tunasoma kitu.

[Chidanand Tripathi @thetripathi58]

In 1975, Kodak was the world's most powerful photo company, worth $31 Billion.

By 2012, they were completely bankrupt...

Not because of competition or technology - but because of ONE fatal decision…

Here's the biggest business mistake in history (and how to avoid it): 🧵

[cheruiyotkb @cheruiyotkb]

When you build a portfolio of dividend stocks over time, you can use payments from 1 stock to cover 1 of your expenses.

Knocking off 1 expense at a time is a good way to keep you motivated on your dividend journey.

The peace of mind you get is priceless.

Look at consistent dividend stocks like ABSA, BAT, Co-op, NCBA, Carbacid, Safaricom, Stanbic, Standard Chartered, etc.

[Cyprian, Is Nyakundi @C_NyaKundiH]

How Telegram Scammers Use Fake Tasks to Exploit Desperate Youth in New Fast Money Fraud Scheme

It is becoming increasingly evident that Kenya is confronting a far-reaching crisis rooted in a growing obsession with fast money, a crisis that continues to manifest in different forms across the digital economy.

From online betting games such as Aviator, which we have been closely tracking through an avalanche of testimonies from victims, to an even murkier world of social media-based scams now surfacing through encrypted channels on platforms like Telegram, where unsuspecting users, often young and financially vulnerable, are lured with promises of instant payouts in exchange for completing what appear to be harmless online tasks, only to find themselves entangled in well-orchestrated fraud schemes that escalate into financial ruin.

As we have continued to document the devastating toll that Aviator and similar betting platforms have inflicted on ordinary Kenyans, through addiction, financial loss, broken families, theft of household items, and behavioural changes that leave people emotionally wrecked and socially alienated, a new dimension of the problem is now emerging, one that cuts through not just gambling but into a wider cultural and psychological shift where the hunger for quick financial reward has created fertile ground for scammers who exploit that desperation with promises of easy money, no effort and guaranteed returns.

The story below is one such example.

"Hello Cyprian. Hii ni kama bado aviator but is somehow worse than aviator. So ilikuwa hivi last year nilitumiwa telegram na msee akanishow nikicomment mambo na movie nalipwa. So mara ya kwanza huwa wanakudanganya na wanakuekea mia moja ili uwaamini. So ilianza poa and I remember mtu alikuwa anatuma Soo tatu wanakupa mpaka tano tatu, so nikaona hii kitu inaweza kuniingizia doh poa. So ilifika place wakanishow nianze kucomplete task. Hizo task zilikuwa 19. Nilicomplete mpaka task number 14, when they told me nitume 5k and I had to use my school fees. Ilinituma juu nilikuwa najua nitapata around 80k and si kuwa na shida, so nikatuma hiyo ili cover task mbili and nikifika task 16 so wakanishow ni add 8k and bado nikakwenda wazazi home na nikatuma. Hapa nilifika task 18 then wakanishow nitumie 50k and I was like wtf. So hawa watu wananibeba ufala and nililose 13k tu. Hivyo sasa mimi na pesa ya haraka sitaki. Wacha nitengeneze pesa polepole bila stress. Tell watu waache hii ujinga ya pesa ya haraka."

[Sachin Jose @Sachinettiyil]

Step-by-Step: The Catholic Church after the death of a Pope

1. Confirmation of Death

The Camerlengo (Chamberlain of the Holy Roman Church) officially confirms the pope’s death.

Traditionally, he gently calls the pope’s baptismal name three times. If there's no response, he declares the pope dead.

[Janet Machuka @janetmachuka_]

Documentaries You Can Watch on YOUTUBE

1. Kidney for Sale — Best Documentary

2. Your Brain: Perception Deception —Nova PBS Official

3. Organ Thieves: Inside the Dark World of Organ Trafficking —Witness

4. The Day My Mother Never Came Home — 48 Hours

5. Inside the Death Industry — Real Stories

6. The Dark Reality of Kidney Cult — 7 News Spotlight

7. A True Crime so Unbelievable but yet True —Crimetastic

8. Feeding the Super Rich: The Secrets of Luxury Dining — Absolute Documentaries

[Moe @moneyacademyKE]

Global Market Update:

Robert Kiyosaki, author of Rich Dad Poor Dad, says the U.S. is in a full-blown depression, not just a recession.

His advice remains: Buy gold, silver, and Bitcoin.

By 2035, he predicts Bitcoin at $1 million, gold at $30,000, and silver at $3,000

[Willis Evans Otieno @otienowill]

The 5th year begins on 9th August 2026.

That’s because the 2022 general election was held on 9th August 2022. So constitutionally:

9 Aug 2022 – 8 Aug 2023 = Year 1

9 Aug 2023 – 8 Aug 2024 = Year 2

9 Aug 2024 – 8 Aug 2025 = Year 3

9 Aug 2025 – 8 Aug 2026 = Year 4

9 Aug 2026 – 8 Aug 2027 = Year 5

Article 136(2)(a) requires that elections be held in the fifth year, not after it.

So the earliest Tuesday in that 5th year is Tuesday, 11th August 2026.

That’s your constitutional election date.
Anything later is term extension through trickery—and it’s unconstitutional.

[mukangai wycliffe @mukaswm]

@cheruiyotkb @TheAbojani @pitandirangu @NSE_Investors @biznakenya @kasiva_mutisya @mtucreativity Thanks @cheruiyotkb you give me alot of insights and I have put them into practice. Including your time ⌚ insights in the daily nationa and business daily

[Moe @moneyacademyKE]

Binance users in Africa are set to earn APR on USDT – for a limited 14-day period.

Here’s how to take advantage of this opportunity in the thread below.

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

200K
50k into I&M for capital gains
50K into Absa for dividends
40K into Britam for capital gains
60k into Kengen for Capital gains

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

The minimum number of shares you can buy is 100 shares:

☑️Safaricom 100 shares worth Ksh1,770
☑️COOP Bank 100 shares worth Ksh1,600
☑️ABSA 100 shares worth Ksh1,740
☑️Equity 100 shares worth Ksh4,505
☑️KCB 100 shares worth Ksh3,960
☑️NCBA 100 shares worth Ksh5,350
☑️EABL 100 shares worth Ksh17,975

*The amount excludes trading fees (around 2%)

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

Savings vehicles:
✅ SACCO FOSA
✅ Money market fund
✅ Ordinary bank account

Investment vehicles:
✅ Stocks
✅ Business
✅ Private equity
✅ SACCO BOSA
✅ Treasury bills & bonds
✅ Fixed Deposit Accounts

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

If you had invested Sh 100,000 in these best performing stocks at the start of 2025, here’s how much it would be worth at the close of March.

1⃣Sanlam Kenya: Sh 169,697
2⃣Unga Group: Sh 167,333
3⃣Liberty Kenya: Sh 154,192
4⃣HF Group: Sh 152,993
5⃣KPLC: Sh 140,541
6⃣Kengen: Sh 137,912
7⃣Britam: Sh 137,586
8⃣CIC: Sh 132,093
9⃣Longhorn Publishers: Sh 131,304
🔟Centum Investment: Sh 127,024

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

Bad news travels faster than good news.

Everyone is talking about how Money Market Funds Interest rates have been on a downward trajectory.

And how SACCOs on the other hand have raised eyebrows on the whole KUSCO fiasco.

Let's go back to the basics and clarify these 2 investment options.🧵🧵

Given the choice of joining a SACCO , and investing in MMF, what is the most ideal solution for you?