Abojani Investment 🇰🇪🇺🇬🇹🇿
@TheAbojani
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Abojani for everyday investor. Empowering retail investors through investor education || Contact us: learning @abojani .com Telegram
Nairobi
Joined March 2010
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Pinned Tweet
At our Economic Empowerment Conference, we are providing a chance to shift from poverty mentality to wealth creation, shift from talking challenges to practising the solutions!
Join us at Radisson Blu on 23rd November!
Call: 0763 682 116 or Email: learning
@abojani
.com
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3 Must know USSD Codes for Kenyan investors
1. *106*2# to check any unknown Mobile numbers registered using your ID
2. *361# to check if you have any unclaimed assets
3. *866# - enables CDS account holders to buy treasury bills & bonds
Follow us for more useful insights
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1K
3K
3 Must know USSD Codes for Kenyan investors
1. *106* to check any unknown Mobile numbers registered using your ID
2. *361# to check if you have any unclaimed assets
3. *866# - enables CBKCDS account holders to buy treasury bills & bonds
Follow us for more useful insights
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770
2K
3 Must know USSD Codes for Kenyan investors
1. *106*2# to check any unknown Mobile numbers registered using your ID
2. *361# to check if you have any unclaimed assets
3. *866# - enables CDS account holders to buy treasury bills & bonds
Follow us for more useful insights
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1K
10 KENYANS LEADING INNOVATIONS IN THE FINANCIAL SERVICES SECTOR
1⃣ Eva Ngigi-Sarwari
The year is 2019 and Standard Chartered Bank launched its Africa innovation hub in Kenya. Eva would later become the lead in January 2020 & 9 months later she became the country manager for Visa
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MTN overtakes M-Pesa to become Africa’s largest mobile payments business
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Drum rolls!!
It's official🎉🎉🎉
We have launched our first financial planning branch in East Africa..
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3 Must know USSD Codes for Kenyan investors
1. *106*2# to check any unknown Mobile numbers registered using your ID
2. *361# to check if you have any unclaimed assets
3. *866# - enables CDS account holders to buy treasury bills & bonds
Follow us for more useful insights
3
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153 INSIGHTS on
@KeEquityBank
@KeEquityBank
is the story of WHAT IS POSSIBLE.
An investment in Equity Holdings is an investment in innovation. Peter Munga founded Equity Building Society in 1984 & James Mwangi took the bank to create heights that were never imagined before
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"My first ever investment goal was to have an account worth Sh 50,000.
Then it was Sh 100,000
Then Sh 150,000
Then Sh 200,000
Then Sh 250,000
My goal is now Sh 300,000" 📈🔥
#AbojaniMasterclass
📚
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Ksh 200,000 invested in
@StanChartKE
will give you Ksh 28,000 in dividends per annum.
You can choose to reinvest the dividends and grow your number of shares leading to more dividends in future
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What is the best bank for a US Dollar account in Kenya?
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3 Must know USSD Codes for Kenyan investors
1. *106*2# to check any unknown Mobile numbers registered using your ID
2. *361# to check if you have any unclaimed assets
3. *866# - enables CDS account holders to buy treasury bills & bonds
Follow us for more useful insights
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Sh100,000 in a bank account earns less than Sh100 per year.
Sh100,000 invested in a money market fund can earn over Sh8,000 per year.
Sh100,000 invested in 🇰🇪 treasury bonds can earn over Sh13,000 per year.
Think it's hard to invest?
Choose your hard.
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How to earn monthly income from treasury bonds?
Imagine dividing your investment into six tranches, each invested in different treasury bonds that pay you coupons every month...watch this video below.
@juliesosy
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Sacco Dividends to members in 2022:
Nyati Sacco 21% dividends
Tower Sacco 20% dividends
Nation Sacco 18% dividends
Police Sacco 17% dividends
Hazina Sacco 17% dividends
Stima Sacco 15% dividends
Kimisitu Sacco 15% dividends
Mhasibu Sacco 15% dividends
Thread 1/2
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Dear parents,
If you invest Ksh 2,100 times the age of your child as their birthday gift every year in a money market fund, they will become a millionaire by the time they are 18.
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How much dividend you'd earn if you invest Ksh 50K in any of these stocks:
Absa 4100 shares 4500 (F&FD)
Co-op 3800 shares 3800 (F&FD)
Equity 1000 shares 3000 (F&FD)
FAHR 8300 shares 4150 (F&FD)
KCB 1100 shares 2200 (FD)
NCBA 1900 shares 4275 (FD)
NSE 6200 shares 5580 (SF&FD)
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15 Money Skills & Ideas That You Need to Know
1. Emergency Fund
2. Budgeting
3. Living within your means
4. Risk vs Reward
5. Time Value of Money
6. Compound interest
7. Inflation
8. Liquidity
9. Investment asset classes
10. Retirement
11. Career development
12. Entrepreneurship
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Which Kenyan banks have direct bank account to M-PESA till/pay bill payment options on its mobile app?
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You need at least Ksh 10 million to earn a passive income of Ksh 100,000 per month in Kenya
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50 Innovative financial companies and products across the globe
A THREAD >>>
1. M-PESA -Launched in 2007 in Kenya, M-Pesa is today available in Kenya, Tanzania, Mozambique, the Democratic Republic of Congo, Lesotho, Ghana, and Egypt.
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10 Money Mistakes [THREAD]
1️⃣ Never borrow money that accrues interest to start a business. That is to say, never borrow money to start a business expecting that the business will generate income to pay back the borrowed money plus the interest.
>>2
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1⃣2⃣ KENYAN WOMEN MAKING IT BIG IN TECH
@CMuraga
is the Managing Director for
@microsoft
's Nairobi Engineering hub
@MicrosoftADC
.
She has over 15 years of experience in IT and was recently the head of engineering at
@StanbicKE
. She previously in IT roles at Sidian, KQ & EABL
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1⃣5⃣
#TECHBROS
MAKING WAVES IN THE KENYAN BUSINESS SCENE
1⃣ Jack Ngare
Jack is now CTO at Technical Director Office at
@Google
. Before that, he was the first MD of
@MicrosoftADC
in Kenya. He and Polycarp Igathe know something we don't about the job market
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Ruthless financial teachers:
▪ Debt
▪ Poverty
▪ Marriage
▪ Unemployment
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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
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Kenya is heavy on the stock market
Tanzania doesn't tax treasury bonds
Uganda exempts unit trusts from withholding taxes
DRC swims in USD
Rwanda is the most agile and growing the fastest.
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11 LESSONS FROM ELIUD KIPCHOGE
1⃣ Only the disciplined in life are free.
Discipline gives one the ability to focus on something and keep off distractions. He has won 16 out of the 18 marathons that he has participated in.
2⃣We live by experimentation and not introspection.
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THE TALE OF TWO COMRADES (Thread)
John and Jane were in the same class at university studying Financial Accounting. After graduation, fate took them through different paths of life.
5 years later, Jane ended up as an Accountant in a Building firm earning Ksh 90,000...
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🔈 May we have your attention,please?
We have made it to 4⃣0⃣. Our 40th investment masterclass will run from the 11th-29th July 2022. Will you join us?
@mbuguanjihia
@ndovutech
@AIB_AXYSAfrica
@ICIFAKENYA
@mmnjug
@Theo_mwangi
@David_Indeje
@tradingroomke
@RufasKe
@muriuki_diana
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Seven money rules that helped my personal finances in 2022 that you can also learn from in your life:
1) Pay off debt
2) Save more
3) Spend smartly
4) Start investing
5) Invest long term
6) Reinvest dividends
7) Learn continuously
#LevelUp2023
with
#Abojani
Masterclass 📚
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Typical investor journey:
1⃣Emergency Fund
2⃣MMF (Money Market Funds)
3⃣MMF, Bonds
4⃣MMF, Bonds, Stocks
5⃣MMF, Bonds, Stocks, SACCOs
6⃣MMF, Bonds, Stocks, SACCOs, I-REITs
7⃣MMF, Bonds, Stocks, SACCOs, I-REITs, Rentals
Where are you at?
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8 Investment opportunities in the Kenyan Financial Markets
1. Stocks of listed companies
2. Treasury Bills
3. Unit Trusts
4. Derivatives
5. Saccos
6. Treasury Bonds
7. Real Estate Investment Trusts
8. Fixed Deposit Accounts
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SACCOs are a good place to start saving. But what are the benefits of joining a SACCO?
Many people join Saccos to secure a loan 3 times their savings. This thread covers everything you need to understand before choosing a SACCO. 1/8
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Financial planning in your 30s
Debt management 📜
Pay off the credit card every month. Pay off the car loan, SACCO loan, HELB etc. Buy things with cash as much as possible. Spending credit on consumerism makes you save or invest less. >>2
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If you invested Sh 100,000 in the new 10 year bond with a coupon rate of 14.15% p.a you will receive Sh 7,075 every 6 months. Then at the end of the ten years, you get your initial investment of Sh 100,000 back.
In total you will get Sh 141,500 from your investment.
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The Level of Wealth
Level 1:
- Kill bad Debt
- Budgeting
- Focus
Level 2:
- Find Your Passion
- Work the Hardest
- Sacrifice Fun
Level 3:
- Minimize Spending
- Value Your Money
- Save and Save
Level 4:
- Create Multiple Streams
- Start businesses
- Invest Saving
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50 THINGS YOU SHOULD KNOW ABOUT INVESTING IN SHARES
1. What are shares?
2. Stock exchange
3. Initial public offer
4. Dividends
5. Capital gains
6. Bid Price
7. Ask Price
8. VWAP (volume-weighted average price)
9. Closing price
10. Supply
11. Demand
12. Market capitalization
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Lakini investing is not for the faint hearted.
A GenZ recently opened a MMF through us 3 days ago and they are already calling to ask why the growth is slow....
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Building a Billion Dollar Business in Kenya: A case study of Safaricom PLC
20 Key Insights
Last Thursday, Safaricom PLC dramatically shook the business world. CEO Peter Ndegwa, dropped a bombshell: Safaricom is now a billion-dollar juggernaut.
Question is, how did this happen
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🔟RECENT NOTABLE MOVEMENTS IN ASSET MANAGEMENT, INSURANCE, AND HEALTH TECH SPACE IN KENYA
1/10 Njeri Njomo became the Chief Executive Officer and Principal Officer - of Jubilee Health Insurance Ltd in November 2022 from Britam where she was previously General Manager for
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“To become financially independent you must turn part of your income into capital; turn capital into enterprise; turn enterprise into profit; turn profit into investment; and turn investment into financial independence.” –Jim Rohn
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Which stage are you at?
1⃣Income = salary
2⃣Income = salary + MMF interest
3⃣Income = salary + MMF interest + SACCO dividends
4⃣Income = salary + MMF interest + SACCO dividends + Coupons
5⃣Income = salary + MMF interest + SACCO dividends + Coupons + dividends from stocks
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50/30/20 Budget Rule
Allocate your income to these buckets:
50% Needs
• Food
• Housing
• Insurance
• Basic Utilities
• Transportation
30% Wants
• Travel
• Fashion/Gear
• Entertainment
20% Savings
• Retirement
• Investments
• Debt payments
• Emergency fund
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Our 53rd Masterclass is scheduled to begin on the 8th of January, 2024. You will learn skills on personal finance & investments management and be able to create different wealth baskets such as
1. Sinking Fund
2. Emergency Fund
3. Home ownership wealth basket
4. Financial Freedom
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Investing isn't hard, allocate,
35% stocks
30% treasury bonds
20% sacco deposits
15% money market funds
Buy the dips, stay patient and stick to your strategy.
What's your favourite allocation?
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If you invest Ksh 3,000,000 as a couple in the current infrastructure bond, you will be earning returns of about Ksh 540,000 per annum/ Ksh 270,000 every 6 months.
#FinanciallyHappyAfter
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A THREAD 1/20
HOW TO ANALYZE BANK FINANCIAL STATEMENTS
There are 5 key things to know before you can analyze financial statements and these are Assets, Equity, Liabilities, Revenue, and Expenses.
Let us use the financials for
@NCBABankKenya
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If you invest Ksh 3 million for your mum in infrastructure bond at 18% pa as siblings, she will be getting Ksh 540,000 per annum or Ksh 270,000 every 6 months which is like a salary of Ksh 45,000 per month.
#MothersDaygiftideas
#AMothersLove
❤️
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3 Must know USSD Codes for Kenyan investors
1. *106*2# to check any unknown Mobile numbers registered using your ID
2. *361# to check if you have any unclaimed assets
3. *866# - enables CDS account holders to buy treasury bills & bonds
Follow us for more useful insights.
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THE RISE OF AJAB!
When the brand Ajab was established in 2017, Grain Industries Ltd (GIL) could only produce 750 tons per day and was lagging behind in the industry.
A thread!
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12 facets of Personal finance that you should know
1. Financial Planning
2. Wealth management & investing
3. Insurance
4. Debt management
5. Homeownership
6. Retirement
7. Finance for kids
8. Finance for couples
9. Taxes
10. Entrepreneurship
11. Career
11. Estate administration
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7 Personal Finance Rules Everyone Must Know!
Rule of 72
1st Week Rule
40% EMI Rule
50-30-20 Rule
2X Savings Rule
3X Emergency Fund
25X Retirement Rule
Your financial priorities and goals should dictate which rules are most important for your situation.
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East Africa view
1. Kenya has the best stock market
2. Tanzania govt bonds give the best returns
3. Uganda money market unit trusts returns do not attract withholding taxes
@MoRemtulla
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2 USSD Codes that you should know
1. *361# to find out if you are one of the people owed with Unclaimed Assets Authority
2. *106*2# (Safaricom network) to check if there is any unknown mobile number registered under your ID. Cases of identity theft are on the rise.
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If you buy stocks or save money in a Sacco, you MUST learn how to read an income statement and the balance sheet
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Time is your greatest asset!
Investing Ksh 5,000 monthly in a money market fund with a 10% return could result in:
Ksh 13.1 million by age 60 if you start at 25
Ksh 5.1 million by age 60 if you start at 35
Ksh 1.8 million by age 60 if you start at 45
Start saving, invest
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Movies to watch on the stock market?
- Black Wednesday
- Wolf of Wall Street
- Capitalism; a love story
- Too Big To Fail
- Other People’s Money
- The Rogue Trader
- Boiler Room
- Floored
- Chasing Madoff
- Wall Street: Money Never Sleeps
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East African Investment theme
1. Kenya- Best stock market
2. Uganda- Best money market funds with no withholding tax for unit trusts
3. Tanzania- Best returns on government bonds with no taxation
UG & TZ have lower inflation rates as compared to Kenya
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#SportySato
Kobe Bryant made $320+ million in the league.
He invested $6 million into Body Armour in 2014.
The Bryant family received $400M from this investment.
In 7 years that one investment earned him more than his whole career earnings.
That's the power of investing.
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By age 30, you should have a group of friends who talk about finances, business, and investing
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To stop calling a car a liability, buy one that you can afford.
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Understanding risk versus returns:
1️⃣ High risk high return -
• Shares
• Business
• Farming
• Equity fund unit trusts
2️⃣ Moderate risk moderate return -
• Chama
• SACCO
• Real estate
• Money market fund
• Balanced fund unit trusts
• Unit-linked insurance policies
>>
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Understanding Savings 📜
Savings is a greatly misunderstood aspect of personal finances. You've heard many say, "I'd rather invest than save" 😊 We shall break it down for easy understanding.
1️⃣ Rainy day kitty: Have a fund that's equal to 6 months' worth of basic living... >>2
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For beginner investors, have these accounts in place...
1. CDS Account
2. Money Market Fund Account
3. Sacco Account
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Before you invest, you need savings.
Before savings, you need income.
Before income, you need skills and social capital.
Before skills and social capital, you need to apply yourself.
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5 Banks, 5 Strategies
1. KCB -Beyond Banking
2. Coop- Soaring Eagle
3. I&M- Imara Strategy
4. Equity- Equity 3.0
5. Absa- Strategy 2022
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Age is not just a number in personal finance. There's different things to do at different age groups.
Age 18-24 : Learn the fundamentals, upskill
Age 25-34 : Start saving & Investing, diversify
Age 35-44 : Go for balance, consolidate assets
Age 45-54 : Most productive years,
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You will be able to open a CBK-CDS account for investing in treasury bills & bonds online from May 2023
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Saving vs Investing
SAVING Ksh5K/month for 10 yrs
You will have Ksh600,000
INVESTING Ksh5K/month in a Money Market Fund for 10 yrs (9%)
You will have Ksh902,060
Put your money to work!
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The most important USSD code in the next 2 weeks is *866# for bidding for the infrastructure bond that is seeking to raise Ksh 60 billion.
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Top 10 Books of all time on personal finance and investing written by Kenyan authors that will change your life
A THREAD:
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✅KCB & Equity - Profits and Assets kingpins
✅Absa - Best cost to income ratios implying efficiency. Less than 50% is desirable.
✅StanChart - Undoubtedly the King of dividends
✅NCBA - Now approved to offer offshore solutions, non funded income could grow even further
✅I&M -
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The path to financial freedom :
1. Budget
2. Buy assets
3. Pay off debt
4. Stay healthy
5. Keep learning
6. Increase income
7. Invest 20-25% of income
8. Don't upgrade your lifestyle
9. Upgrade your circle of friends
10. Create multiple sources of income
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Getting that "seed money" to invest is usually the hardest step in your wealth creation journey.
That first Ksh 50K, 250K, or 500K is difficult.
But once that initial seed money is invested effectively, your money takes off on a journey of it's own.
Start small. Be consistent.
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5 WAYS TO MANAGE YOUR MONEY IN 2023 - By Rose Muturi, MD-East Africa for Branch International
1⃣Create a budget: Budgeting is essential to money management. It helps track our income and expenses, so you know where your money is going and where you can cut back
@RoseMuturi_1
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10 Money Rules :
1. Budget
2. Avoid debt
3. Buy assets
4. Pay yourself first
5. Avoid lifestyle creep
6. Marry the right person
7. Have an emergency fund
8. Live on less than you make
9. Save 10-20% of your income
10. Surround yourself with quality people
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Levels to financial freedom
1️⃣ Hand to mouth - total payslip dependency
2️⃣ Small savings to cover emergencies
3️⃣ Opened investment accounts
4️⃣ Sh 200K invested
5️⃣ Passive income of Sh 120K annually
6️⃣ Passive income covers living expenses
7️⃣ Quit job - living off investments
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"We don't have to be smarter than the rest. We have to be more disciplined than the rest."
~Warren Buffett
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A Ksh 1 million gift to your dad in an infrastructure bond to your dad means that they will be earning roughly Ksh 130K per annum paid as Ksh 65,000 every six months.
#SustainableGiving
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10 Sources of Financial Decision Fatigue for Kenyans
1. Whether to repay HELB loan
2. Supporting relatives financially
3. Whether to pay the school for their spouses
4. Where to stay
5. Whether to save or YOLO
6. When to buy a car
7. Whether to build a decent house in shags
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Movies to watch on the stock market?
- Black Wednesday
- Wolf of Wall Street
- Capitalism; a love story
- Too Big To Fail
- Other People’s Money
- The Rogue Trader
- Boiler Room
- Floored
- Chasing Madoff
- Wall Street: Money Never Sleeps
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INVESTING IN STOCKS: THE POWER OF VISIONARY LEADERSHIP
A THREAD
One of my favorite movies is Christmas Story and it has this favorite line, “they looked at me as if I had lobsters crawling out of my ears”. Visionary leaders can take businesses to heights never dreamt of before
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Dear investor,
If you earn a net salary of at least Ksh 200,000 then you can create a wealth basket of Ksh 10m in 10 years & Ksh 20m in 14 years by investing Ksh 60,000 per month in a money market fund..compounding works magic over time.
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For beginner investors, have these accounts in place...
1. Money Market Fund Account
2. SACCO Account
3. CDS Account
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Stocks you can easily invest in with 10k:
☀️KCB (Ksh 29.9) = 328 shares
☀️Equity (Ksh 40.75) =240 shares
☀️StanChart (Ksh 195) = 50 shares
☀️Stanbic (Ksh 120) = 82 shares
☀️Co-op (Ksh 13) = 754 shares
☀️ABSA
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18 months ago, James had 0 in Stocks, Money Market Funds, bonds or SACCOs.
Today he has Ksh1,515,205 worth of portfolio.
James has learned (and failed) a ton during the process.
If you are just starting,
Here are 5 things James wishes everyone should know before investing.
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#YoungMoney
A new series on model budgets for under 27 years old newly employed men & women.
John, aged 24, supermarket attendant, salary Sh 20K, lives with parents but wants his freedom.
>>
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The 50-30-20 Budgeting Rule in partnership with
@branch_mfb
Popularized by US senator Elizabeth Warren & her daughter Amelia Warren Tyagi, in the book “All Your Worth”, it's meant to help you organize your financials around your needs, wants, and investments.
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Decided to invest in shares but unsure how to analyze them? You are not alone- it is a position in which many would-be investors find themselves in. This online course will help you sift through investment opportunities and identify appropriate and attractive ones. Enroll now
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47 INSIGHTS FROM
@SafaricomPLC
2022 ANNUAL REPORT
A document that provides an extensive overview of the company’s financial and operational conditions to its shareholders, customers, employees, government, and investors on a yearly basis is known as an annual report
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18 months ago, Mark had 0 in Stocks, Money Market Funds, bonds or SACCOs.
Today he has Ksh515,200 worth of portfolio.
Mark has learned (and failed) a ton during the process.
If you are just starting,
Here are 5 things Mark wishes everyone should know before investing.
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Individual investors can make additional money by investing in stocks, treasury bills and bonds, money market funds, fixed deposit savings accounts, Real estate, and Saccos. You can create other income streams even as you make money from your current job.
In our 50th
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