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Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

Jan 6

10 LESSONS NAIROBI WILL SOMEHOW TEACH YOU....🧵🧵

Nairobi is not a city you simply live in. It schools you. It humbles you. It invoices you for lessons you didn’t ask for.

You can come here hopeful, talented, educated, even prayerful and still get shocked by how fast the city strips you of naïveté. Nairobi does not care about your intentions. Only your positioning.....

1⃣ No One Cares About You

Not about your degree. Not about how hard you’re trying. Not about your potential. In Nairobi, everyone is busy surviving their own chaos. Miss rent? The landlord doesn’t care. Late on a deadline? The client doesn’t care. Burnt out? The city keeps moving.
It's a city of congested dreams, needs, ambitions, and pressure.

The sooner you learn to self-motivate without applause, the faster you grow.

2⃣Debt Is a Slippery Path

If there is anything that is easily available in Nairobi, it has to be debt. Fuliza here. Mshwari there. Digital apps are uncountable. Let's not even talk about shylocks. Nairobi makes borrowing feel casual.

But debt in Nairobi rarely solves a problem coz it postpones it with interest. Before you know it, your salary is working for yesterday’s emergencies.

The city teaches you this painfully: easy money is never light money. So, think twice before taking that loan.

Read 11 tweets

Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

Nov 27, 2025

CORPORATE BONDS 1O1🧵🧵
A case study of Safaricom Medium Term Note.

Kenya’s investment landscape is changing quietly but powerfully.

For years, retail investors have leaned heavily toward money markets and infrastructure bonds since they are safe, familiar, even predictable.

But something interesting is happening, corporate bonds are slowly returning to the conversation, and Safaricom just became the newest signal that this market deserves another look.....

What is a corporate Bond??

The textbook definition of a corporate bond says it is a fixed income instrument issued by a company in order to raise capital.

In simple terms, it is simply a loan from the public to a company.

✔️ You lend your money
✔️ The company pays you interest (a coupon)
✔️ You get your principal back at maturity
✔️ The bond is tradable on the NSE

Government bonds operate the same way. The only difference here is, you’re lending to a company, not the State.

Why do companies issue Corporate Bonds?

Businesses often get to a point where they need extra funding to undertake some of their biggest growth projects. At that point they have 3 options they can consider:

1⃣Borrow from banks (Fast but expensive, interest rates are unpredictable, large amounts could strain bank balance sheets.)

2⃣ Issue new shares (Dilutes existing shareholders and may not ideal for a big profitable company)

3⃣Raise debt through a corporate bond (Could be cheaper than bank borrowing, predictable interest payments, no loss of ownership and allows you to match long-term projects with long-term funding)

Safaricom clearly went with option three.

Read 8 tweets

Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

Nov 19, 2025

When choosing assets for retirement, it's crucial to consider several factors to ensure that your investment strategy aligns with your financial goals and needs.

Here are four key factors to keep in mind:👇

1⃣Risk Tolerance:
Assessing your risk tolerance is essential to determine how comfortable you are with the possibility of losing money on your investments.

Generally, younger investors may have a higher risk tolerance as they have more time to recover from market downturns, while those nearing retirement may prefer more conservative investments to protect their savings.

2⃣Time Horizon:
Your time horizon refers to how long you expect to be in retirement. The longer your time horizon, the more flexibility you have to invest in assets with higher growth potential, such as stocks.

Conversely, if you're approaching retirement, you may opt for more stable investments with less volatility to preserve your capital.

Read 6 tweets

Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

Nov 19, 2025

Ages 40–50: The Pivot Years.🧵🧵

By the time you hit your forties, the noise settles. You are no longer competing, rushing, or trying to impress. Your financial choices slow down, not because you lack ambition, but because you understand that life is a long-term game.

These are the years you begin to pivot from consuming to preserving...

Your children might be teenagers.

Your parents might need more care. Your career might be at its peak or starting to bend into something softer... consultancy, leadership, mentorship. Planning now means balancing three generations without losing yourself in the process.

This is the stage where estate planning matters. Knowing where your money goes if you’re not here tomorrow. Understanding your investment mix. Reducing debt. Strengthening passive income. Protecting your health. Recognizing that wealth is not just numbers; it’s peace, continuity, and legacy.

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Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

Nov 19, 2025

Each decade in your life presents unique opportunities and challenges….🧵🧵

✅Your 20s = Time to Lay the Foundation
Time to invest in education, gain valuable skills and experience, and explore different career paths. Focus on building a solid resume, networking, and finding mentors who can guide you along the way. Establishing good financial habits such as budgeting, saving, and investing early on will set you up for long-term success...

✅Your 30s = Time to Grow and Expand
As you enter your 30s, it's time to grow and expand upon the foundation you've built in your 20s. This may involve advancing in your career, pursuing higher education or professional certifications, and taking on more responsibilities.
It's also a time to focus on growing your income, building wealth through investments, and possibly starting a family. Balancing career aspirations with personal and financial goals becomes increasingly important during this decade.

✅Your 40s = Time to Consolidate and Plan
In your 40s, you're likely at the peak of your career and earning potential. This is the time to consolidate your achievements, reassess your long-term goals, and make any necessary adjustments to your career and financial plans.
It's also a critical juncture to focus on financial stability, including paying down debt, maximizing retirement savings, and ensuring adequate insurance coverage. Planning for the future becomes paramount, whether it's saving for your children's education or preparing for retirement.

Read 6 tweets

Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

Nov 19, 2025

Don’t be asset-rich and cash-poor 🧵

A couple in their 50s wants to send their son abroad to study Business Management at the University of Toronto.

The first-year tuition alone is $61,720 (KES 7.96M)

They’ve worked hard all their lives and have what most people would consider wealth, but all of it is tied up in real estate.

When it’s time to pay, they only have two difficult options:

1) They could sell their entire property, but...

Selling takes time

There are transaction costs

Capital gains tax eats into the proceeds

And worst of all, because they’re under pressure, they may end up selling at a throw-away price.

2) They can borrow using the property as collateral.

It solves the cash problem quickly but...

Interest payments begin immediately

Their debt burden rises in their 50s

They are exposed to market-rate fluctuations

It introduces financial stress at an age where stability matters most

@Davinedavid1 @mmnjug @cheruiyotkb This situation teaches a powerful truth:

Being asset-rich but cash-poor is a real risk. Having your wealth locked in illiquid assets creates problems when life presents time-sensitive opportunities or emergencies.

Read 6 tweets

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