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
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~ Account Name: Your Name
~ Early Bird Discount: Ksh 4,500
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If you’ve already mastered the art of saving and parked your money in a Money Market Fund, congratulations, you’ve made a smart start. But at some point, every investor reaches that stage where safe and steady just isn’t enough. You want your money to do a bit more. That’s where Bond Funds come in. @BritamEA
In simple terms, a Bond Fund is a type of Unit Trust that pools money from different investors and invests it in government treasury bonds and other fixed-income securities. Think of it as a way of lending money to the government and in return, earning interest. The beauty is, you don’t have to go through the hustle of buying or managing individual bonds yourself. The fund manager does that for you.
@Davinedavid1 @mmnjug @cheruiyotkb The benefits include…
☑️They offer stability; you’re not chasing risky short-term gains.
☑️They provide a steady income through regular interest payments.
☑️They help you diversify your portfolio, which reduces your overall risk.
"The rules of wealth are timeless. What changes is how we respond to them."
Make no mistake people, whether you’re in your 20s chasing stability, your 30s juggling responsibilities, or your 50s thinking legacy, money doesn’t play favourites.
Wealth is a climb up with 5⃣ distinct stages that mirror your mindset, discipline, and vision....
Stage 1⃣: Financial Battle
This is where most people start. In the noise of bills, debts, and delayed dreams. Here, every shilling has a job before it even lands in your account. You’re working hard, but you’re constantly behind. You’re a Battler, sometimes a Spectator, watching others move forward while you fight to stay afloat.
At this stage, the goal is simple. Stability. Learn, budget, and control your cash flow. This is the stage to master the game and set the foundation.
Stage 2⃣: Financial Comfort
This is the stage of progress. You’re no longer surviving the battle. The panic fades a little and you start breathing. You can save something, maybe even invest small. You start seeing the reward for your efforts and you advance even in your career or business.
Here, your focus should shift to structure: emergency funds, insurance, debt management, and consistent investing.
Kenya has 9 types of Special Economic Zone (SEZ) schemes each designed to accelerate growth across different sectors.
>>
1️⃣ Industrial Parks – Manufacturing & processing
2️⃣ Free Port Zones – Trans-shipment & re-export
3️⃣ Free Trade Zones – Storage, repackaging & trade
4️⃣ Science & Technology Parks – Innovation & research
5️⃣ Agriculture Zones – Farming & agribusiness
6️⃣ Business Service Parks – BPOs & regional HQs
7️⃣ Tourism & Recreation Parks – Leisure & tourism
8️⃣ Livestock Zones – Animal product processing
9️⃣ ICT Parks – Digital innovation
Tatu City SEZ, located on 5,000 acres in Kiambu County, is a multi-sector zone combining industrial, business, and technology parks.
It embodies a new way of living where people can live, work, and play in a sustainable, congestion-free environment.
Tatu City is home to half of all SEZ businesses in Kenya, including Heineken, Naivas, Dormans, Kärcher, Cooper K-Brands, CCI Global, Davis & Shirtliff, and Kim-Fay, among others.
Investors enjoy up to 20 years of reduced corporate tax and exemptions from VAT, customs, and stamp duty.
Some take a silent weekend to reflect. Others spend long nights poring over spreadsheets and statements. But for the truly strategic ones, Q4 is sacred. It’s a time to recalibrate, rebalance, and realign wealth with life.
Because wealth, unlike income, isn’t something you earn. It’s something you shape. And the shape of your wealth entirely reflects your beliefs and intentions.
As the year edges toward its close, it is the perfect time for wealth rebalancing comes in.......
1/6
1. Begin With Self-Awareness.
The first step to managing money is understanding yourself again. Your goals may have evolved. Your family, business, or risk appetite may have changed. What once felt moderate risk in 2024 and 2025 might now feel reckless in 2026.
This is why Standard Chartered’s Client Investment Profile helps you quantify not just your goals and time horizon, but also your capacity for loss and your emotional relationship with risk. Before you rebalance your portfolio, rebalance your mindset.
2/6
2. Ground Yourself in the Five Timeless Laws of Investing.
Before you chase new opportunities or fear market swings, return to the principles that anchor all great investors:
Discipline – Set your strategy and stay the course.
Diversification – Never let one idea define your future.
Time in the market – Let patience, not prediction, be your ally.
Risk and return – Accept that higher rewards require measured courage.
Protection – Guard your peace as fiercely as your profits.
The wealthy don’t outsmart markets — they out-discipline them.
3/6
Saving is often positioned as the cornerstone of financial success. It's the first piece of advice handed out when someone asks how to become rich: “Save more,” “Cut your spending,” “Live within your means.”
The logic seems simple, if you spend less than you earn and stash away the difference, eventually you’ll become wealthy.
Saving money, in isolation, will not make you rich. It’s a start, but it’s not the endgame. In fact, depending on how you approach it, it can even leave you feeling stuck, frustrated, or disillusioned.
Let’s say you earn KES 50,000 a month. You manage to live frugally and save KES 15,000 every month. That’s a significant portion, and on the surface, it looks like progress.
But then what happens to that money?
Is it sitting in a current account?
Is it accumulating in a savings account with minimal interest?
Or is it just your safety net with no clear role in your future?
I’m 44 now. Some nights, I lie awake wondering where all the years went.
When I graduated from The University of Nairobi back in 2004, Nairobi felt like it was mine to conquer. I landed a decent job at a local bank straight out of campus. I had come from a very humble background and so that first salo hit hard. It was like gold for me and I knew my life was going to finally change...
I remember by 27, I had already upgraded from matatus to my first car...a Toyota NZE, bought on loan. The bank was offering me a very good deal I just couldn't resist. Almost all my colleagues were driving themselves to work by then and I also wanted to fit in.
I remember how my village lit up that December when I drove in with loud music and dark shades. Heh, I was looking for approval from murima, like everyone else did when they 'made it' in Nairobi. My uncles patted my back like I’d made the whole family proud. My age-mates followed me to the local bar, and I bought round after round of beer until the crates ran out. Looking back, that night I went home broke, but my ego was full.