You may have heard the old proverb, “Shirtsleeves to shirtsleeves in three generations.”

In Japan, the expression goes, “Rice paddies to rice paddies in three generations.”

The Scottish say “The father buys, the son builds, the grandchild sells, and his son begs.”

In China, “Wealth never survives three generations.”
>> Imagine you work so hard to build long lasting wealth by dedicating yourself to saving money with a long term approach to investing, only for your third generation to burst your bubble!

Or a man working hard to buy a piece of land, his son building a successful business on that land, but then the grandchild, instead of taking care of the business, sells it off without thinking about the hard work put in!
>>

Passive income refers to the money earned with minimal effort or active involvement on an ongoing basis. It is income generated from assets or investments that require little to no regular maintenance or direct participation. Here are some popular examples of passive income streams:
A Thread!!
@WaruhiuFranklin @SokoAnalyst @Davinedavid1 @mytradesignals @mtucreativity @cheruiyotkb @MihrThakar @thesharkke

(Thread) Different corporate actions can impact your investment in different ways. Here are some key points to keep in mind: 1/7 Dividend payouts can increase investment value, but reduced savings for the company may impact future growth prospects. Dividend cuts or omissions can negatively affect investment value & sentiments.

1/4 Banking institutions hold the largest portion of government domestic debt, followed by pension funds, insurance companies, and parastatals. Other investors account for the remaining portion. @CBKKenya 2/4 Between December 31, 2021, and May 12, 2023, the percentage of government domestic debt held by banking institutions decreased from 50.20% to 45.56%.

VALUE STOCKS 101
Value stocks are shares of businesses that are thought to be undervalued or that are selling for less than their actual value. When compared to the broader market or other companies in their sector. Here are some common attributes associated with value stocks:
A Thread !!
@MihrThakar @cheruiyotkb @WaruhiuFranklin @Davinedavid1 @mytradesignals @thesharkke @ScopeMarketsKE @mnandii

Why Should You Care about Dividends?
1/8 Dividends are a portion of a company's profits that are paid out to shareholders. They can provide a steady stream of income for investors, or be used to reinvest in the company, which can lead to future growth. 2/8 There are two main types of dividends: cash dividends and stock dividends. Cash dividends are paid out in cash, while stock dividends are paid out in additional shares of stock.

Thinking of investing in stocks? Here are 3 things you need to consider before buying shares. A thread! 1/3 Know your financial situation. Don't invest money that you can't afford to lose. Investing in stocks involves risk and uncertainty, so make sure you have enough savings and income to cover your expenses and emergencies.

Key factors to consider when evaluating a company for investment.
A thread!!

1/4 Business analysis- this involves understanding the company’s business model and how it makes money. Does the company sell products or services? How it generates revenue and profit .Its costs and… twitter.com/i/web/status/1… 2/4 Distribution model - refers to how the company gets its products or services to its customers. For example, does the company use direct sales, online platforms, retail stores, or distributors? How it reaches its target market , how it handles logistics and delivery.

Thread on Njambi's Journey as a Stock Investor:

1/8 Njambi started investing in stocks in her early 20's when the trading process was manual. Investors would place orders through brokers, and stocks were traded through negotiations. Settlement was manual too, posing various… twitter.com/i/web/status/1… 2/8 Despite the challenges, Njambi was determined to learn and improve her investment journey. She was always eager to put in the extra effort to succeed.

📈 Here are some key insights from Standard Chartered Bank Kenya Ltd's unaudited quarterly group results:

1/6 @StanChartKE Limited has been experiencing consistent growth in loans and advances to customers, and total assets. Loans & Advances to Customers
Loans and Advances to Customers have been volatile over the years, with fluctuations from Ksh117.56 billion in Q1:2019 to Ksh128.09 billion in Q1:2022.
However, the bank grew its Loans and Advance to Customers to Ksh137.11 billion in Q1 of 2023,… twitter.com/i/web/status/1…

@KeEquityBank Group's Financials Soar Over 5 Years. A Look at Equity Group's Quarterly Results: A thread! 1/5 Equity Group Holdings PLC has seen a consistent growth in its loans and advances to customers over the past five years. In March 2019, the bank's loans and advances stood at Ksh305.54 billion. This figure more than doubled to Ksh756.33 billion in March 2023.

GROWTH STOCKS 101
A Thread!
Growth stocks are stocks of companies that are expected to experience rapid growth in their earnings, revenues, and overall value over time. These stocks typically belong to companies that are in their early stages of development or operate in… twitter.com/i/web/status/1… Investors are attracted to growth stocks because of their potential for high returns. However, they also come with higher risks compared to more established and stable companies. Growth stocks often reinvest their earnings back into the business to fund expansion, research and… twitter.com/i/web/status/1…

Investor Checklist.
To be a smart investor, you need to think about these things:

1/6 Risk: How much money can you lose or gain? What kind of chances are you comfortable with? You need to have a plan for risk and choose the right investments for you. For example, if you are… twitter.com/i/web/status/1… 2/6 Investment approach: Do you want to beat the market or follow it? Some investors like to choose their own stocks or funds and try to do better than others. This is called active investing. Other investors like to buy index funds that copy the market, such as the Dow Jones or… twitter.com/i/web/status/1…

Industry Analysis: A Must-Have Tool for Any Investor
1/7 Industry analysis is like a treasure map for investors. It helps you discover the hidden gems in the market and avoid the landmines. By understanding the current state and future potential of an industry, you can make… twitter.com/i/web/status/1… 2/7 Start by looking at the industry competition. How many rivals are there? How big are they? What are their advantages and disadvantages? This will help you spot the gaps and niches in the market.

(Thread) The State of Kenya's Banking Sector: A 10-Year Financial Overview.
The banking sector plays a crucial role in driving the Kenyan economy. In this thread, we'll delve into some key financial metrics from 2013-2022.
@CBKKenya Kenyan banks have more than doubled their loans and advances in the past decade, surging from Ksh1,497.17 billion in 2013 to Ksh3,312.49 billion in 2022. Though experiencing slowdown to -7.7% in 2017, loans and advances bounced back and hit a record high in 2022 with Ksh3,312.49… twitter.com/i/web/status/1…

Managing debt effectively is crucial for maintaining financial stability.
Here are some steps you can take to manage your debt:
@MihrThakar @Davinedavid1 @cheruiyotkb @mtucreativity @mytradesignals @thesharkke @SokoAnalyst @WaruhiuFranklin 1. Assess your debt - Start by gathering all your financial documents and make a list of all your debts. Include information such as the outstanding balance, interest rates, minimum monthly payments, and due dates for each debt.

How to Protect Your Finances During Economic Uncertainties?
1/6 Create a financial plan. This will help you stay on track with your spending and savings goals, even when things get tough. 2/6 Budget. Don't let fear dictate your spending. It's easy to overspend when you're feeling anxious, but it's important to resist the urge. Stick to your budget and only spend money on essential items.

Dear @SafaricomPLC investors, these are the 27 things you need to know about the 2022/23 Financial Years

1/27 The company has paid a total dividend of Ksh 517. 99 billion since listing at the @NSE_PLC in 2008

Its market capitalization as of 12 of May 2023 was Ksh 530.87B… twitter.com/i/web/status/1… @SafaricomPLC @NSE_PLC 1/27 Dear @SafaricomPLC investor Kenya's after-tax profits grew by 3% to Ksh 74.5bn. The Safaricom Ethiopian startup loss was Ksh 22bn. Since Safaricom Kenya owns 55.7% of Safaricom Ethiopia, only Ksh 12bn out of the Ksh 22bn loss is attributable to Safaricom Kenya so the… twitter.com/i/web/status/1…

6 Fintech products launched so in May 2023

1/6 @LetshegoKe, a subsidiary of @LetshegoGroup, has partnered with @CreditinfoKenya to launch LetsGo Cash, a self-service and short-term instant loan that gives customers access to KES 1,000 up to KES 100,000.
@cheruiyotkb @mmnjug 2/6 @imbankke has doubled its unsecured credit limit from KES 5 million to KES 10 million effective April 2023. This move by the lender makes the Kes 10 million loan limit the highest in Kenya for unsecured personal loans. @mbuguanjihia @alykhansatchu @MihrThakar

📈Thread on #StanbicBankKenyaLimited's financial insights based on the recent unaudited quarterly results ending March 2019-2023: Loans & Advances to Customers: refers to the amount of money that the bank has lent to its customers.

Stanbic's Loans and Advances to Customers increased from Ksh 144.70 billion in March 2019 to Ksh 230.27 billion in March 2023

This means that the bank experienced a growth in… twitter.com/i/web/status/1…

Building an emergency fund is an important step in achieving financial stability and security. An emergency fund is a savings account set aside specifically to cover unexpected expenses or emergencies.
Here are some steps you can take to build an emergency fund:
@MihrThakar 1. Determine how much you need - You should aim to save three to six months’ worth of living expenses. Calculate your monthly expenses, including rent/mortgage, utilities, food, transportation, and other necessary expenses.@thesharkke @WaruhiuFranklin @SokoAnalyst @Davinedavid1