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Gichuki Kahome Profile picture
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Jun 22 • 5 tweets • 3 min read
What are some of the things you consider when choosing your banking partner?

Here's what makes [@DTBKenya] standout:

1/ Professionalism

DTB is managed by qualified professionals from the Board of Management to all staff cadres.

#BankWithUsBankOnUs
2/ Financial Strength

DTB[@DTBKenya] has a strong balance sheet of over Ksh 200B across corporate and retail banking.

3/ People centered

DTB has a strong culture of supporting employees and providing opportunities for growth and development

#BankWithUsBankOnUs
4/ Robust 24/7 digital presence.

With the DTB Mobile banking app, you can access your account anytime.

#BankWithUsBankOnUs
5/ Physical presence

DTB has 65 branches in Kenya and is present in the region making it convenient for customers with presence in East Africa.

#BankWithUsBankOnUs
Whether you are saving for school, buying a house, a car or paying everyday bills,

You can rest assured that DTB will ensure you save or make money while fueling your growth.

#BankWithUsBankOnUs

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More from @kahome_steve

Gichuki Kahome Profile picture
Jun 24
THREAD🧵

Here are 10 ways to help you manage your finances in a better way:

1/ Prioritize savings over expenses.

Do not save what is left after spending. Spend what is left after saving.
If you do not save before you spend, you may never save money at all.

Expenses will always creep into your savings and eat up a section of them if not all of it.
2/ Only spend money on things that you love and value.

If money isn't improving your life & happiness, you probably aren't spending it in the right way.

Allocate more money to experiences that enrich your life with memory dividends.
Read 16 tweets
Gichuki Kahome Profile picture
Jun 13
When my portfolio hits Sh 20M, I will be able to withdraw Sh 1.2M every year and never run out of money.

This will account for only 6% of my portfolio.

With an average annual return rate of at least 6%,

I will be able to comfortably live on sh 100k per month without working.
With this, I can retire and live a life that my portfolio can cater for.

Retirement does not have to await until you are 60 years old.

You can retire at any age you want, provided you have the financial security.
How much money do you need to retire or to be financially independent?

1. The Crossover Point

You reach financial independence when your monthly income from your investments exceeds your monthly expenses.

Crossover point = Annual spending / Expected return rate on investments
Read 8 tweets
Gichuki Kahome Profile picture
Jun 12
The DTB Mastercard Platinum Debit Card is one of it's kind.

With massive local and global acceptance, this card is ideal for everyday use at physical or online stores.

Here's why you should grab yours today👇👇

Thread powered by [@DTBKenya]
#BankWithUsBankOnUs
1/ Enjoy 25% cashback into your card for Jumia Prime membership.

2/ Get up to 180 days purchase protection for electronics bought via your Platinum Debit Card.

Purchases are protected against theft or accidental damage.
#BankWithUsBankOnUs
3/ Assorted deals from various local merchants in Kenya.

4/ Enjoy 10% discount on your next international roundtrip fare with Travelstart.

5/ Enjoy 10% off on your next car rental on Rentalcars.com.

#BankWithUsBankOnUs
Read 5 tweets
Gichuki Kahome Profile picture
Jun 7
Question from DM

"I just got promoted to a new role earning 85K per month.

I have a SACCO loan that I used to buy a piece of land that I’m planning to build a home in the near future.

How should I balance paying for the loan, and getting started with investing"

THREAD🧵👇
Additional details:

Monthly expenses- 30 - 40K(rent, food, clothing, internet, etc)

Loan repayment - 20K (2 years remainng to clear the loan)

Savings - 20-25K(SACCO & bank account)

Has no dependents but plans to marry soon.
The first thing would be to clear the loan and set up an emergency fund and a sinking fund as fast as possible.

It helps to clear the loan fast, as you will reduce the total cost of the loan as you will pay less interest.

Read 17 tweets
Gichuki Kahome Profile picture
Jun 1
Thread🧵

Investing in Treasury Bonds.

The Treasury recently floated an 18 year Infrastructure bond.

Here's everything you need to know about Treasury Bonds,

And how you can invest in the Infrastructure Bond.
Definitions:

Government securities are debt management obligations of the Kenyan gov't that individuals & organizations can invest in.

If you invest in government securities, you are lending the gov't money for a set period of time.
There are two types of Government Securities.

1/ Treasury Bills(3-12 Months)

2/ Treasury Bonds(1-30 Years)

We'll focus on Treasury Bonds in this thread.
Read 22 tweets
Gichuki Kahome Profile picture
May 28
Wondering how SACCOs work?

Not sure how to invest in Treasury bills & bonds?

Want to learn more about Money Market Funds?

Or how you can buy Safaricom shares at the NSE?

Let's find out below👇👇👇
Before we get started:

I have an e-book for you.

This e-book has everything you need to know about:
- SACCOs
- Money Market Funds
- T-bills
- T-bonds

Get it at the bottom of this thread
1/ SACCOs
Read 8 tweets

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