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Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

Feb 5

Stocks 101 🧵

For wealth creation, the best asset class arguably is stocks.

Consider this…

An investor who bought 30,000 $NSE shares (worth Sh180,000) last year walked away with about Sh427,500 in profit.

Share price:

31st Dec 2024: Sh6.00

31st Dec 2025: Sh20.25

Capital gain: Sh14.25

Impressive, right?

Clearly, investing in the right stocks can multiply your money, but to understand how, we first need to know what a share really is.

>>

A share, in simple language, is just part ownership in a business. In modern language, it is used interchangeably with the word stock. So when we talk about NSE, Safaricom, or KCB, these are examples of businesses where you can be a part-owner by buying a share.

Let's consider another example from 2008. We have two women, let's call one Mama Green and the other Mama Pink. Both of them are thinking, "How can I make more money?" Both of them have a Eureka moment when they see the great potential of mobile money and its promise for growth. Both of them think M-Pesa.

Mama Green decides to start an empire of shops to process transactions, while Mama Pink decides to buy Safaricom shares at 5 shillings per share.

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Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

Feb 4

5 Things You Don't Need to Be an Investor

1. You don't need a lot of money

With less than Sh100, you can invest in stocks

With Sh100, you can invest in MMFs

With 1k, you can invest in a bond fund

With less than 5k, you can save in a SACCO

With 50k, you can invest in T-Bills or bonds

2. You don't need a master’s degree in finance

You don’t need to understand complex financial models to start investing.

3. You don't need a license or certification

4. You don't need complicated software or systems.

A simple phone app is enough to get started:

DhowCSD for T- bills and bonds

Dosikaa or AIB DigiTrader app for shares

MyBritam app for MMFs or bond funds etc

Read 4 tweets

Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

Jan 31

Investing in stocks offers several advantages, especially for anyone thinking long term about growing their money.

1️⃣ Potential for higher growth
Stocks give your money the opportunity to grow faster than traditional saving or fixed-income options. Over time, well-performing companies can significantly increase the value of your investment.

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2️⃣ A hedge against inflation
As prices rise, cash loses value. Stocks, especially those of strong businesses, tend to grow alongside the economy, helping protect your purchasing power.

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3️⃣ Access to dividends
Some companies share profits with investors through dividends. This creates an additional income stream and can be reinvested to accelerate compounding.

3/5

Read 5 tweets

Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

Jan 29

MODEL BUDGET SERIES....🧵🧵

70K Net Salary, Single Man in His Late 20s, No Kids.

There is a stage in life where money is not yet abundant, but time, energy, and potential are. Your late 20s sit squarely in that stage. You may not be earning millions yet, but the financial decisions you make now quietly determine whether your 30s feel constrained or full of options.

Here's how to manage a 70K Net salary......

From a Ksh 70,000 net salary and using the 50/30/20 budgeting rule, roughly half goes to necessities, 30% to lifestyle and personal enjoyment, and 20% to savings and investments. That 20% works out to Ksh 14,000 per month, and it is the most important part of this entire plan.

Many people rush to talk about investments without first acknowledging that you cannot invest confidently if one emergency can wipe you out. That is why the starting point here is cash‑like safety.
>>

For someone earning 70K, the biggest financial risk is not low returns. It is interruption of income. A job loss, a medical issue, or a sudden family obligation can undo years of effort if there is no buffer. This is where an emergency fund comes in.

Instead of treating the entire 14K as one lump sum, it helps to divide it intentionally. A practical approach is to allocate about Ksh 10,000 per month into Money Market Funds, split into two separate purposes.
>>

Read 12 tweets

Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

Jan 15

5 REASONS YOU SHOULD SERIOUSLY CONSIDER JOINING A SACCO THIS YEAR...🧵🧵

If you are just starting to take money seriously, chances are a SACCO is not the first place you think of. Most people associate SACCOs with parents, teachers, or those long-established institutions that feel a bit old-school.

But for millions of Kenyans, a SACCO is where real financial stability actually begins.

Below are five reasons why joining a SACCO this year might be one of the most practical financial decisions you make......

1. Your Money Works Harder Than It Does in a Bank

One of the biggest myths beginners carry is that all “safe” savings earn roughly the same. They don’t.

SACCOs are member-owned, meaning they don’t exist to maximize profits for external shareholders. They exist to benefit you, the member. That single difference changes everything.

At the end of every financial year, SACCOs distribute profits back to members through dividends and rebates. This is your share of the surplus you helped create. On top of that, SACCOs enjoy a tax advantage. In Kenya, dividends paid by SACCOs are subject to only 5% withholding tax, compared to 15% on interest from MMFs for example. Over time, that difference compounds quietly but powerfully.

For a beginner investor, this means you keep more of what your money earns.

2. You Can Borrow More at Fairer Rates

Access to credit is one of the biggest bottlenecks in personal finance. Many people can earn, but very few can borrow affordably. SACCOs change that equation.

Most SACCOs allow members to borrow up to three times their savings. If you have saved KSh 100,000, you may qualify for a loan of up to KSh 300,000. That kind of leverage is extremely hard to get elsewhere without assets or a long banking history.

Even more important is the interest structure. While commercial bank lending rates in 2026 are hovering anywhere between 16% and 20%+, SACCO loan rates have historically remained around 12% per annum on a reducing balance.

For someone starting out, this difference can mean lower monthly repayments, less financial strain and a much higher chance of actually finishing repayment without defaulting

Read 8 tweets

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

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More from @TheAbojani

Abojani Investment 🇰🇪🇺🇬🇹🇿

Abojani Investment 🇰🇪🇺🇬🇹🇿

Abojani Investment 🇰🇪🇺🇬🇹🇿

Abojani Investment 🇰🇪🇺🇬🇹🇿

Abojani Investment 🇰🇪🇺🇬🇹🇿

Abojani Investment 🇰🇪🇺🇬🇹🇿

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