The banking sector is the most vibrant sector of the NSE.

Here's a thread analyzing which is the best banking sector to buy in 2026:

KCB vs Equity, Stanchart vs Stanbic, etc

Breakdown below👇👇 1. Earning growth.

Equity Group is the most profitable bank with a PAT of 52.12B as of Q3 2025

Equity Group is also experience significant growth as it's earnings grew 32.7% in nine months to September 2025 as compared to previous period in 2024.

Only HFCK with an impressive growth of 104% had a higher earnings growth rate.

2. Price to Earnings

Despite that, Equity group is the most undervalued bank on a Price to earnings ratio, as it trades at the lowest PE of 4.19x compared to the industry average of 6.17.

HFCK is the most expensive banking sector stock at a 16 PE

PE compares the share price to earnings per share to show how much investors are paying for each unit of profit.

A low PE vs peers may point out to an undervaluation

There are three funds that every investor should have:

1. An Emergency Fund
2. A Sinking Fund
3. A Run Away Fund

Here's what they are and how to create them👇👇 1. An Emergency fund.

What is it?

This is a set amount of money that covers your daily expenses for a certain period of time.

It should cover your daily *normal* expenses for a period of 3-6 months.

If I was getting started with investing in the NSE via the newly launched Ziidi Trader by M-PESA,

Here are the 5 stocks I Would consider buying to kickstart my NSE portfolio on the Ziidi Trader Platform👇🏽👇🏽 1. Equity Bank Group

Equity is currently trading at a Price to Book ratio of 0.95 which is slightly lower than the average banking sector P/B of 1.05X

Equity has the highest Return on Equity (ROE) among banking sector stocks at 26.6% which is higher than the banking sector average of 18.8%

Equity bank is currently trading at a Price to Earnings ratio of 4.12 which is lower than the banking sector average of 5.2X

All the above metrics point out that Equity Group is undervalued vs it’s banking sector peers which presents a buying opportunity

This week, the world’s largest asset manager, BlackRock, visited Standard Chartered Kenya for deep client engagements & high-level training.

Stanchart partners with Global Fund Houses like BlackRock to provide access to high-grade global investment solutions.

More details👇👇 BlackRock manages over USD 14 trillion in assets globally making it the largest asset manager in the world.

Institutions, pension funds, sovereign wealth funds and sophisticated investors across continents trust them to steward capital at scale.

Instead of using that 500K to buy another plot of land that will not generate any cash flows for you,

Why not explore other options?

500K in an IFB with a 14% coupon will give you 70K per annum

500K in a dividend king of the NSE like BAT will earn you 65K in dividends.

500K in a SACCO like Stima Sacco will earn you 60K in dividends from share capital or 47K from rebates on Savings. And if you are in pursuit of capital gains and not passive income,

Other financial assets can give you a better shot than that 1/8 of an acre in the middle of nowhere.

You can explore options like: Special funds, Exchange Traded Funds(ETFs), Global and local stocks, Bitcoin and other cryptocurrencies.

Treasury bonds are a great asset for financial planning.

You can pay rent, earn a monthly income or settle any monthly expense from the returns of Treasury bonds.

Through bond laddering you can have a bond that pays passive income each and every month.

Here's the explanation: Treasury bonds is simply a financial asset where investors lend the government money for a promised rate of return on their capital.

Bonds have the following superior advantages:

1. Fixed and predictable returns

Once you buy a bond at a yield, say 15%, the bond retains that return until it's maturity.

Meaning that you will get that 15% return per annum until the bond matures.

To save with a SACCO or a Money Market Fund?

1. Liquidity

Your savings in a MMF are more liquid than in a SACCO.

You can access your money within 2-3 days in a MMF.

Savings in a BOSA SACCO account can only be withdrawn when you are leaving the SACCO. Moreover, if you wanted to exit a MMF, you get all your money back in 2-3days

For SACCOs, you have to find a willing buyer to buy your share capital.

And withdrawing your BOSA savings can take a maximum of 60 days.

Ziidi Trader was launched a few weeks ago by Safaricom and I’m already doing most of my NSE trades on the platform.

Here are 7 Things I’m loving about Ziidi Trader by M-PESA:

1. Lower fees.

Stock brokers charge a total fee of 1.6 - 2.1% per trade while Ziidi Trader charges 1.5% Whether you are a long term investor or a short term trader, there’s nothing as important as finding an investment partner with lower fees as that means you get to keep more of your returns.

Ziidi Trader has lowered the round trip cost of buying and selling shares from 4% to 3%

And that makes a huge difference.

USD Money Market Funds are one of the most misunderstood products in Kenya.

Here are 4 things that people get wrong about USD MMFs:

1/ USD MMFs aren't for everybody. They are best suited for people who earn or Trade in USD This is because Money Market Funds are for short term capital preservation.

If you earn in KES, converting your KES to USD vice versa over a short period of time may wipe out your returns due to FX spreads.

The life insurance penetration rate in Kenya is at a worrying 1.3%

Many people consider life insurance a SCAM, a PRIVILEGE for the RICH or something that only OLD people should consider.

Here is why life insurance important in your wealth protection journey👇 What is Life Insurance?

It is a contract between an insurance policy holder and an insurance company.

The insurer promises to pay a sum of money in exchange for a premium, upon the death of an insured person or after a set period.

Kenya Pipeline valuation at IPO screams OVERVALUED by all valuation metrics.

Comparing with other energy sector stocks:
1. KPC is the most expensive energy sector stock with a PE ratio of 22. KPLC has a PE of 1.2

To put this into context, KPLC recorded a Profit After Tax of 24.4B and has a market cap of 29B while KPC that recorded a Profit After Tax of 6.87B is being valued at 154B.

Do other metrics justify the steep premium?👇👇 2. KPC is the most expensive energy sector stock on a Price to Book basis.

KPC has a price to book ratio of 1.66 while the second most expensive stock on a price to book basis has a ratio of 0.8

Price-to-Book is important because it compares a company’s market value to the value of its net assets, helping investors see if a stock is overpriced or undervalued.

A lower P/B can signal a potentially undervalued company, while a higher P/B may suggest strong future growth expectations.

To save with a SACCO or a Money Market Fund?

1. Liquidity

Your savings in a MMF are more liquid than in a SACCO.

You can access your money within 2-3 days in a MMF

Savings in a BOSA SACCO account can only be withdrawn when you are leaving the SACCO. Moreover, if you wanted to exit a MMF, you get all your money back in 2-3days

For SACCOs, you have to find a willing buyer to buy your share capital.

And withdrawing your BOSA savings can take a maximum of 60 days.

Many Kenyans don't know that they can invest in global companies like Nvidia, Tesla, Meta, Amazon, Netflix, etc

In this thread I answer the frequently asked questions about investing in offshore stocks & ETFs as a Kenyan.

1/ What's the minimum investment required? Depending with your broker or investment partner, you can start with as low as $1

Barriers to entry are low due to fractional shares - you can own a fraction of a share hence you can access global markets for as low as $1

A Complete financial plan should have the following:

1. An emergency fund + sinking fund

2. A KES portfolio

3. A USD portfolio

4. A wealth protection portfolio

5. Estate/legacy planning

Discussion below👇 1. The first step before you start investing is to set up both an emergency fund and a sinking fund

An emergency fund helps you have a fall back plan incase you come across financial emergencies, lose your main source of income, etc

A sinking fund helps you save up for upcoming expenses like school fees, holidays, etc

Top 5 Global Exchange Traded Funds (ETFs) to invest in 2026

1. The S&P 500 Invesco Momentum ETF(SPMO)

The SPMO is slowly replacing VOO as the retail investors favorite S&P 500 ETF.

It has averaged 17.42% over the last 10 years compared to VOO that has returned 14.14%

Strategy for 2026? Replace VOO + QQQM with SPMO 2. The VanEck Semiconductor ETF (SMH)

This ETF tracks the semiconductors that have been fueling the AI revolution.

If you don't know which stock between Nvidia, AMD, Broadcom, ASML, TSMC, Micron to buy, just buy this etf.

It has been the best performing ETF over the last 10 years returning an average of 30% p.a.

This is the best growth ETF.

7 investment accounts that every Kenyan investor should have in 2026

a) A Money Market Fund - Regular savings
b) DhowCSD account - Investing in T-bonds
c) CDSC account - Investing in the NSE
d) Offshore brokerage account - investing in offshore stocks & ETFs
e) Special fund account - Above average market returns
f) Crypto wallet - Bitcoin exposure
g) Individual Pension plan - Plan for retirement

Which of these do you think is the most essential? How do you open these accounts and what are my recommendations?

a) A Money Market Fund - This is the best place for regular savings.

Don't save your money in a banks' savings or fixed deposit account.

MMF recommendations: You can never go wrong with these two:

1. Sanlam Allianz MMF: bit.ly/46mnbLO
2. CIC MMF: bit.ly/4dlzquc

One of the questions I get asked the most is:

“Where can I invest my money for maximum returns?”

Most of the time, when people ask this, they’re really asking one thing:

👉 Where can I find the best capital growth opportunities in the market?

Let’s explore these options 👇🏽 At a high level, investors usually invest for two main reasons:

1. Capital Growth

The goal is simple: grow the size of your capital.

Example: Turn Ksh 1M into Ksh 2M over a defined period

Focus is on price appreciation, not immediate income

2) Cash Flow Generation 💵
The objective is income, not necessarily growth
Example: Invest Ksh 1M, Earn Ksh 100K per year in relatively predictable, passive income

Think rental income, dividends, coupons from bonds or other cash-generating assets

A shift is happening in Kenya’s investment space - the rise of special funds.

According to CMA’s Q3 CIS report, special funds are now the second most popular category under Collective Investment Schemes, taking up 20.3% of total allocations.

But what’s driving this surge?👇🏽 1.Above-average returns: Mansa X has averaged 17–18% p.a. since 2019

2.Stable performance: Mansa X hasn’t recorded a single negative quarter in the past few years.

3.Falling fixed-income yields: With MMFs, T-bills and T-bonds dropping, investors are chasing alpha in special funds.

4.Professional management: You get exposure to stocks, commodities, currencies and more — without managing them yourself.

5.Growing financial literacy: Investors are now thinking beyond land and real estate.

Yesterday, I sold a whole life insurance cover to a 45-year-old lady.

Her words during our conversation have stuck with me and thought I would share the same.

Here’s what she told me when I asked her why she really wanted to take up the whole life cover👇👇 1. I took this cover to protect my children.

“A friend who had already taken the policy asked me something I couldn’t shake off:

‘If you died today, name five people who would take care for your kids the same way you do — financially.’

I couldn’t name even one.

Sure, my friends and family love my kids. I know they’d offer support.

But would they pay school fees? Would they cover medical bills, extracurriculars, pocket money, rent?

The truth is — they wouldn’t.
Not because they don’t care, but because they have their own struggles.”

Safaricom is issuing KES 15B in its first tranche of Green notes under the KES 40B MTN Programme.

Here's the breakdown of key details, how to invest in the corporate bond and whether the corporate bond is worth investing in:👇👇 a) Minimum subscription amount: KES 50K with increments of KES 10K. No maximum limit.

b) Fixed rate of interest: 10.4% per annum

The paper being a green note is tax exempt hence the gross return before tax is ~12.2%

c) Tenor: 5 years

d) Interest payment: Semi annul

e) Interest payment dates: 11th Dec and 11th June

7 investment accounts that Kenyan investors should have:

a) A Money Market Fund - Regular savings
b) DhowCSD account - Investing in T-bonds
c) CDSC account - Investing in the NSE
d) Offshore brokerage account - investing in offshore stocks & ETFs
e) Special fund account - Above average market returns
f) Crypto wallet - Bitcoin exposure
g) Individual Pension plan - Plan for retirement

Which of these do you think is the most essential? Explanations below:

a) A money market fund account.

This is the best place for short term savings or to save up for an emergency fund or sinking fund.

It's a better place to save your money than a normal bank savings account.

You can open a MMF account via this link
bit.ly/46mnbLO