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.

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.

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.

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

TOP 10 FACTS ON ABSA BANK KENYA....🧵🧵

1⃣Absa Bank Kenya was the first banking stock to be listed on the Nairobi Stock Exchange in 1986 through a successful Initial Public Offering (IPO) and has a market cap of Ksh 135 Bn as of 17th Nov 2025

2⃣The bank is a subsidiary of South Africa-based Absa Group Limited and has grown to become one of the largest financial services institutions in Kenya....
#YourStoryMatters #EconomicEmpowermentKE #OwnershipEconomyKE 3⃣The bank has an extensive operational network with over 87 branches and over 250 ATMs countrywide, supported by internet and mobile banking channels for customer convenience

#AbojaniTrueStorySeries
A COSTLY BROTHERHOOD....🧵🧵

I am a very bitter 35-year-old man. I don’t know what annoys me more these days, between SHA, housing levy, PAYE, NSSF Tier II, or that Ksh 35,000 that leaves my account every single month for a loan I never touched!

I truly weep for my payslip! The thing is, if I was alone in this life, maybe I’d swallow the pain, like most men do. But I have two kids, two small human beings who eat like they’re practicing for high school, who grow out of shoes every month, who need school fees, snacks, cereal, dental visits.

That 35K would come through. It would change a lot. It would give me breathing space....

What are Bond Funds??

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.

The Wealth Pyramid...🧵🧵

"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.

9 SEZ Schemes Powering Kenya’s Economic Transformation....🧵🧵

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

The Smart Investor’s Q4 Ritual....🧵🧵

Every smart investor has a ritual.

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

Why Saving Money Won’t Make You Rich

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.

#AbojaniTrueStorySeries

REBUILDING IN MY 40s

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.

MODEL BUDGET FOR A 32 YR OLD BANKER, EARNING 216K(NET), HAS A SMALL FAMILY AND PLANS TO START A BUSINESS SOON...

Kimani(not his real name) married the love of his life two years ago at 30 years of age and he thought life would slow down a little. He was finally settled, working at one of the leading banks in Upperhill, Nairobi, and starting a family. .... His net income now stands at Ksh 216,000, a little higher than what he was earning even last year. They live in Athi River’s Greatwall apartments, paying Ksh 28,000 in rent. His wife is a creative freelancer, meaning her income comes in waves, sometimes big, sometimes very dry...

#AbojaniTrueStorySeries
LOVE, LOANS & MATATUS.... HOW WE BUILT A RETIREMENT WE ENJOY

We met in 1980 at Egerton University, Njoro campus. I was doing B.Ed in Home Science and Agriculture. He was raining to be a History teacher. Those days, everyone just wanted to be a teacher. My parents had even subtly asked me to marry a Mwalimu! My sweetheart, Mr. Mburu, was tall, a bit loud, and always wore those baggy jeans and block shoes that were so fashionable back then. And we fell in love too fast, not so much to my parents' liking actually. I found out I was pregnant just weeks before our final exams. Then our babygirl decided to arrive on God's green earth on no other day but our graduation day, at the then Nakuru PGH. Our daughter was born that morning, when my classmates were busy graduating.

#AbojaniTrueStorySeries

I MADE MY FIRST MILLION AT 24, IT NEARLY RUINED ME.....🧵🧵

People like to say money changes you. But in my few years of experience in business and in these streets, I have learnt that money doesn’t change who you are. It just exposes what was already there. Loudly.

This year, I turned 33 years old. My LinkedIn reads, Founder of a logistics company in Industrial Area. I started this hustle at 21 with my father's laptop and a head full of ideas. I was done with mjengo jobs, tired of living hand-to-mouth. I knew I had something in me that could build..... My life has been nothing short of chaotic, I never got a chance to go to campus. I never really paid full attention in my education. But I really regret not studying when I had the chance and all the support I needed. Anyway, recently, I have enrolled to a Diploma course to try my luck once again.

Financial Management for Gen Z Entrepreneurs...🧵🧵

20s is a decade of firsts; first income, first rent, first shot at independence.

But no one really prepares you for what it costs to chase your dreams while figuring out how to make money, manage money, and not lose your mind in the process.

Across all facets, financial management is often the weakest link...... When you’re young, the temptation is to “wing it”, to assume you’ll clean things up later when you’re making more money. It is important to remember that:
⭐️Poor habits grow with you.
⭐️Undisciplined cash flow today becomes business stagnation tomorrow.
⭐️And more money, without financial systems, only amplifies mismanagement.

This is really just the season to learn, document, and grow slowly.

Ksh 1,000 and a Dream 🧵🧵

Investing is intimidating when all you have is a few thousand shillings in your account. The stock market seems too risky, bonds seem too expensive, and everything else sounds like it’s for people with money.

However, you don’t need a six-figure salary to start investing. What you need is a plan.

MMFs → Bonds → Stocks

This is a simple ladder that will help you build wealth slowly, safely, and sustainably starting with 1K... If you have Ksh 1,000 and you're wondering where to begin, don’t rush into stocks or complicated investments. Start with a Money Market Fund (MMF).

Think of it as your financial safe haven.

MMFs are:
✅Low risk
✅Highly liquid
✅Better yielding than your savings account
✅Ideal for emergency funds and capital-building

You can invest as little as Ksh 1,000 and when you top it up monthly, even with small amounts, it grows slowly, but surely.

Before you even think about making money, build a buffer. This is your financial cushion. A place where your money earns interest daily, yet remains easily accessible.

Once your MMF balance, excluding your emergency fund, grows to, say, Ksh 10,000 or 20,000, you're ready for the next step.

THE 6 LAWS OF WEALTH 🧵

You can be hardworking, smart, but broke. Not because you’re lazy. Not because you don’t earn. But because the system was never built to teach you how to keep money.

Only how to chase it!

Here are the 6 Laws of Wealth you should know by HEART!! 1⃣ Bad Debt is a Trap

Not all debt is evil, but the wrong kind will bury you alive.

Borrowing for consumer things, phones, holidays, expensive weddings, is the fastest way to stay poor while looking rich.

Good debt builds. Bad debt bleeds.

If it doesn’t make you money, don’t borrow for it.

MODEL BUDGET FOR A 40-YR OLD, MAKING 130K GROSS, MARRIED WITH 2 KIDS, IS THE MAIN BREAD WINNER & WISHES TO BUY A HOME 🧵🧵

Wilson(not his real name) is 40. He earns Ksh 130,000 gross, which comes down to about Ksh 90,000 net. He works at a popular logictics company in town.

He’s married, has two kids , one in public primary school, the other in pre-school. He rents a modest two-bedroom house in Banana for Ksh 22,000. He drives a small family car (fully paid off), and he’s them main provider at home.... He has Ksh 500,000 saved in a money market fund, and Ksh 200,000 in Sacco shares. He contributes monthly to that Sacco and dreams of one day buying land through it.

Wilson is doing okay , not broke, not balling either. But he’s always asking himself: "Am I doing the right thing with my money? Is this really going somewhere?”

Money Management For 40 Year Olds 🧵🧵

By the time you’re 40, the conversations around money start to hit differently. At 40, you have probably made some money, maybe made a few mistakes too.

You’re not a beginner, but you’re probably not quite where you thought you’d be either. And your body, your parents, your children and even your country’s economy, are all making demands on you!

Slowly by slowly, conversations naturally shift to stability, legacy,family, health, and freedom..... At 40+, the worst thing you can do is live in denial.

Check:
What do you own? What do you owe? What’s your monthly cost of living? What can you afford, and what are you forcing?

Many Kenyans over 40 are asset-rich but cash-poor. Some have land they can’t develop, or Sacco shares they’ve never monetized. Others are living in homes they “own” but can’t repair.

Start with the truth. Then work your way to clarity.

#AbojaniTrueStorySeries

I FINALLY LEFT CORPORATE AT 48, 4 KIDS IN AND FINALLY BUILDING MY OWN HOUSE. 🧵🧵

I often get asked (by my relatives mostly) why I left corporate life at 48 , just when, by many standards, I was at the peak of my career. I know they are more concerned because my children are still toddlers.

And that my stay at home wife is expecting yet another child.

The answer is very simple though: I left because I could... Long before I ever sat in a boardroom, I had quietly prepared for a life where I could make choices on my own terms.

I was born in Maragua, somewhere on the Murima, in a time when opportunity was scarce and hard-earned. My father(God bless him) worked on a colonial settler’s farm. He was one of many Kenyan men who, in those days, served diligently on those mzungu owned coffee estates. It was honest labour that fed our family....