The Power of Saving and Investing. A story!
1/6: Meet Jane and Kim, two young professionals who started their careers at the Kienyeji Hotel. Their financial habits led them down different paths during a crisis. #ThePowerOfSavingAndInvesting
2/6: Jane was a hard worker who saved 10% of her income, lived modestly, and invested her money wisely. Kim, on the other hand, spent most of his paycheck on "sherehe" and was always in debt. #FinancialHabits
3/6: A few years later, the company went through a major layoff, and both Jane and Kim were let go. Thanks to her savings and investments, Jane was able to weather the crisis, while Kim struggled with no savings and a lot of debt.He had to move back in with his parents (at 35).
4/6: Jane's story is a reminder that financial security is important. By saving and investing, she was able to weather a difficult financial storm. Kim's story is a cautionary tale of what can happen when we don't save and invest. He was left vulnerable. #LearnFromMistakes
5/6: Want to secure your financial future? Start by saving and investing early, spending within your means, paying off debts, and creating a financial plan. #TakeControl
6/6: Join our June Masterclass and learn how to save and invest your money wisely. Take responsibility for your finances and build a secure financial future. #JuneMasterclass#FinancialSecurity#AbojaniInvestment
Abojani Online Masterclass Payment Details
~ Paybill: 469345
~ Account Name: Your Name
~ Early Bird Discount: Ksh 4,500
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For decades, real estate in Kenya has been synonymous with direct ownership that is buying land, constructing buildings, or acquiring rental property. This route is tangible, familiar, and culturally embedded as a wealth-building strategy. @trificsez
But in the last few years, REITs have entered the conversation aggressively. But despite their promise, REITs in Kenya have remained under-penetrated. Low liquidity, limited investor awareness, and a historically narrow product range have meant that real estate exposure in capital markets has not yet achieved mainstream adoption…
Let’s start from the basics… What is a REIT??
@cheruiyotkb @Davinedavid1 @mmnjug A REIT is essentially a regulated investment structure that pools capital from multiple investors to acquire, manage, and operate income-generating real estate. Instead of owning a building directly, investors own units in a trust that holds property assets.
@cheruiyotkb @Davinedavid1 @mmnjug In Kenya, REITs generally fall into two categories:
Income REITs (I-REITs): Focused on completed, rental-generating assets
Development REITs (D-REITs): Focused on construction and development projects
Five years on from a merger, a bank that had everything to prove now has a very different problem; living up to its own momentum.
In 2020, NCBA Group was a new thing. A merger between NIC Bank and Commercial Bank of Africa, two institutions with long histories and distinct identities, stitched together into something that had to quickly figure out what it was and where it was going.
The 2020–2025 strategy was, by any honest reading, about proving the merger was worth it. Building the brand. Scaling retail. Deepening digital. Becoming something more than a sum of parts.....
Five years later, the results are in.
Total assets now stand at KES 716 billion, with total income at KES 73 billion, up at a 10% CAGR from 2020. Share price rose 3x from KES 27 to KES 89.8. Return on equity improved from 5% to 19.7%. NPS, and the customer loyalty score up 2.7 times. Over 65 million customers across five countries.
The merger was worth it. Now comes the harder question. What do you do when you've delivered?
You go again, and bigger.
The NCBA 2026–2030 strategy, its next strategic cycle, is built on a different energy to its predecessor. The vision statement says it plainly: By 2030, we will be East Africa's most trusted financial ally, enabling customers to realize their boldest ambitions with a unified platform that simplifies banking, investment, insurance and beyond.
I-REITS: THE MISSING LAYER IN YOUR PORTFOLIO: PART 1
There is a certain kind of investor frustration that gets you when you know real estate is a good asset, but you just don't have KSh 80 million sitting around to buy a commercial building in Gigiri. @trificsez
This is exactly the gap that an Income Real Estate Investment Trust, an I-REIT, was designed to fill.
But what Is a REIT?
A Real Estate Investment Trust is a regulated investment vehicle that pools money from many investors to collectively own and operate income-generating properties. Think of it like a unit trust, but instead of holding stocks or bonds, it holds real assets; office buildings, shopping malls, student accommodation, industrial parks.
@trificsez @cheruiyotkb @Davinedavid1 @mmnjug Investors buy “units” in the trust. Those units represent proportional ownership of the underlying property portfolio. When the properties generate rental income, that income is distributed back to unit holders as dividends.
Your late 20s are a very confusing season financially. One minute you’re celebrating a salary raise, the next minute you’re contributing to a chama, paying rent, sending fare home, attending ruracios every weekend, funding soft life......Your friends are getting married, others are relocating abroad, some are building businesses quietly, while others are just trying to survive till payday. For many guys, there’s pressure to make it. For many ladies, there’s pressure to have it figured out. Meanwhile, almost everyone is silently wondering if they are truly doing enough with their money.
Ages 26–30 can either become the foundation of your future wealth… or the years you normalize financial chaos. But the good thing is that small smart decisions during this season compound heavily later in life.......
1. Build Something
Your salary alone may not save you. Build something outside your monthly paycheck. It could be a small business, a personal brand, a side hustle, an investment portfolio, a SACCO contribution, or even a skill-based service.
At this age, you still have the energy, flexibility, and room to experiment. Don’t just consume life, create something that can grow without depending entirely on your physical presence.
2. Learn Something
The people who increase their income fastest in their late 20s are usually those who keep learning. Learn about investing. Learn about taxes. Learn sales. Learn digital skills. Learn communication. Learn how money works.
A lot of people stop learning after campus and wonder why their careers stagnate. Your degree got you in the room; new skills help you stay valuable.
The Evolution of Real Estate Investing: Access, Structure, and Currency 🧵
Real estate has long been regarded as one of the most reliable tools for building wealth. Across generations, it has delivered on three key fundamentals: capital appreciation over time, the ability to generate consistent income, and a sense of stability that few other asset classes can match. For many investors, it remains the foundation of long-term wealth planning.
But while the appeal of real estate has never really changed, the way investors access it is beginning to shift. @trificsez
In practice, traditional real estate investing comes with barriers that are difficult to ignore. The capital required to enter the market is often high, making it inaccessible to many. The assets themselves are illiquid, meaning they cannot be easily converted to cash when needed. There is also the operational burden of managing property, tenants, and maintenance. On top of this, direct ownership often concentrates risk in one location or one asset.
@cheruiyotkb @mmnjug @Davinedavid1 These limitations have created a gap between the desire to invest in real estate and the ability to do so efficiently. It is within this gap that structured investment models such as Income Real Estate Investment Trusts (I-REITs) have gained relevance.
#BookReview
5 MANTRAS OF RETIREMENT by Dr. Edward Odundo
After 16 years as CEO of Kenya’s Retirement Benefits Authority, Dr. Edward Odundo finally retired in June of 2017, facing the very system he had long helped shape. For 4 decades, he had been busy right at the heart of Kenya’s financial markets having worked at the NSE, IRA, KRA and now RBA……but nothing ever prepared him even for the silence in his own home on the next Monday after his retirement.
The transition was just deeply personal.
His three phones, once constantly alive with calls and decisions, went quiet. His wife, who was also an early riser, was still working and his four daughters were all grown with a life of their own……
You see, retirement can be a ruthless teacher. Reality quickly hit home for Dr.Odundo even as his busy schedule changed. Through his personal experiences in retirement, he now shares 5 Mantras that have helped him thrive and maintain his quality of life….
1⃣Medical Cover
“Medical cover must come before your pension.”
As his first Mantra, Dr Edward argues that a single illness can wipe away all your savings and even your pension lump sum. If by any chance you are also managing chronic conditions, then start shopping for a post retirement scheme even while you are still actively working...