In 2013, I invested KSh 6 million in real estate. Today, that investment generates about KSh 40,000 in rental income every month.
In January 2013, Equity Bank shares were trading on the Nairobi Securities Exchange at an average price of approximately KSh 25.75 per share.
Had I invested the same KSh 6 million in Equity Bank shares, I would have acquired about 233,000 shares.
Today, Equity Bank shares trade at around KSh 88 per share. That means my 233,000 shares would now be worth approximately KSh 20.5 million.
Ironically, even if I wanted to sell that real estate today at my original purchase price, I would struggle to find a buyer willing to pay KSh 6 million.
Some may argue that over the past 13 years I have earned approximately KSh 6.24 million in rental income. That is true.
However, had I invested in Equity Bank shares instead, I would also have earned dividend yields averaging about 6%–7.6% over the years, amounting to roughly KSh 5.5 million in dividends—while still enjoying significant capital appreciation.
The lesson is simple
financial literacy is critical. Understanding opportunity cost is just as important as understanding investment returns
I have a friend who bought land around Joska for Kshs 500k.
The market value today is around Kshs. 1.2 Million
In January 2012, KCB Group shares traded at the Nairobi Securities Exchange (NSE) within an average range of KShs. 28.50
Had he invested the 500k in the NSE. He would have acquired 17,544 shares
Today 23rd Jan 2026 a share of KCB is retailing at Kshs 82 Bob. That means his 17k shares would be worth Kshs 1.438 Million. During that period KCB has had a dividend yield of 7%. That means every year he would have been collecting Kshs 35,000. Which us around Kshs. 490k
Any way pesa ni yenyu. Mfanye vile mnataka kufanya nayo😂😂😂
@_1alfred every decade has a guy convinced he missed out on a legendary lifestyle that mostly existed in his imagination and a handful of exaggerated stories