They Will Not Believe!
@mtucreativity
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I Know Nothing Here | CTO | Stoic | Laravel Dev | OpenSource | New Technologies Geek | Future Astronaut | Creative Finance | CTUM Bull | BeHumbleBeKindBeHappy🤍
Joined January 2016
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Pinned Tweet
I wanted to write a book on "Living a happy and fulfilling life", then I realized everything can fit in a tweet so...
Only let that which you can control & fix trouble you and leave the hard things that brings you anxiety & stress to God and your ancestors...
For it will be well
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Small tips before we die…
A Step by step guide to build a strong defensive portfolio in Kenya.
Let me know your thoughts or questions
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Man here is the truth.
If you have less than 100K don't go buy a 15+ years Treasury Bond, it is not worth hassle or the fees charged by some third party agent/app.
Instead just open a MMF and put that money to accumulate to something meaningful.
Same goes for stocks.
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I am in 3 WhatsApp groups with Ndichu brothers are alongside corporate leaders & startup entrepreneurs. We are all pretending we didn't see them assault women on camera & breaking curfew rules
Even the women who led the cancel train for Joe Mfalme & Shaffie wamenyamaza tuu 😅😅
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So you have your phone with you, Android or iPhone. You can get a lot done on your phone using the apps accessible to you.
Next time you grab your phone think about all the possibilities it presents to you...
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Lakini the indiscipline in this app 😅😅
Pesa kidogo...
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As a Kenyan youth these are the essentials you need to have immediately after getting your national id:
- Passport
- Driving License
- A CV & Cover Letter
- Two bank account (USD & KES)
- A Money Market Fund
- A crypto wallet
- Stock CDSC account
- Following
@mtucreativity
💯
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@KnightM_
Yes, Hope the real story justifies beating a woman and breaking curfew protocols.
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Year In, Year Out...
A timeless step-by-step guide to building a strong defensive investment portfolio in Kenya.
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Invest as early as possible in Money Market Funds, they have capital preservation characterics with predictable returns.
You can open as many MMF accounts as you wish. I will say you must have at least 2 accounts at age 25 - 28
- Primary Savings
- Emergency Funds (6 months)
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Know your numbers:
Finance is about numbers, Personal Finance should not be about hard and complex numbers.
Here are some numbers I believe you should know and track.
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I think
@CICGroupPLC
Money Market Fund team are getting to comfortable with underperformance
At a time when Bank Fixed Deposit 10% TBill 15% TBonds 17%
Giving an 11% return while charging one of the highest management fees in the market is criminal, plain robbery
I won’t
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Before you start investing in bonds have at least 100K in MMF
Before you start investing in local stocks have at least 100K in bonds
Before you start investing offshore have at least 100K in local stocks
Before you start investing in crypto have at least 100K in offshore
Easy 💯
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If you are below 23 years old, this is the last reminder.
These are must haves
- CV, cover letter & LinkedIn account
- Driver License
- Passport
- Kes, USD bank account &
@Wise
account
- Money Market Fund Account
- Crypto Wallet
If you are above 23 and don’t have these, please
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Just realized our watchman, who also washes my car, always allows the bill to build up over time.
Me: Na hii repoti yako tunafanyaje?
Him: Hio repoti wacha tuu ikae ikae ntachukua tuu, kuna shughuli napangia
This is an interesting way of saving, not sure if they can use MMF?
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Happy 2022,
To help you get your financial goals on track I'd like to share my one page financial planner & some resources that I helped me achieve my 2021 financial goals. I will be using it this year as well 🙏🏾
𝐆𝐨𝐚𝐥: 𝐊𝐞𝐞𝐩 𝐈𝐭 𝐒𝐢𝐦𝐩𝐥𝐞 💯
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Here’s my 100th answer to the question
What tools do you use in your investment journey
MMF
@CICGroupPLC
@SanlamInvestEA
Local stocks
@FIB_Kenya
USD Bank account
@imbankke
@StanbicKE
Offshore Stocks
@Trading212
@IBKR
Crypto
@eToro
@Ledger
@blockchain
Portfolio tracker
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Investing in oneself is often the highest ROI investment option, especially for young individuals.
My friend invested Ksh 80,000 in enhancing his financial modeling skills and received a return of 8 times his initial investment within just 2 months.
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Maybe the reason James Mwangi is considered a great capital allocator is because he's more intentional about that function that he has it the CEO office
It blows my mind most Kenyan startup look up to FB, Apple, Spotify, Uber instead of learning from Equity
I realized & changed
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Good friends don’t waste 3 years like me.
Here’s some tough lessons
👇🏿
When I started learning about investing I was so excited and would put some money in almost every asset class I read about.
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You would think with the USD exchange rates falling, Kenyans will be rushing into USD MMFs or building up their USD reserves, No. My friends are withdrawing their money from USD MMF.
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Your Investment Goal in 2024.
How much of your monthly income can your investments purchase? How much will it purchase in the coming year?
A question that lingers in most beginners' minds is, Am I doing enough in my investments, am I under-invested or over-invested?
#invest
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The
@CBKKenya
announced an IFB this month.
Here’s how I apply for the bond in less than 2 minutes using the CBK TMD service.
Apply today 💯
@wgkantai
@kasiva_mutisya
@cheruiyotkb
@TheAbojani
@ekmokaya
@MoneySenseKe
@tradingroomke
@my_tradesignals
@NSE_Investors
@MagicTrainers
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Be wary of too many long-running projects when you get a financial breakthrough
You may be tempted to try to solve all the problems in your life (family) but often at the expense of your newfound financial security.
Maliza project tulia like 5-8 months hivi recover at least 😅
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TBonds & TBills are key for liquidity management. I received interest payments from 2 Treasury Bonds this month! 💰
Pro-tip: Spread out your bond purchases to ensure steady monthly payments throughout the year.
Except for March & September, my bond interests cover my
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You’ll understand why Will Smith and many men never leave their relationships no matter how bad it gets 😅 RIP Downtown Tony Brown
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Consider this when looking at 52 week savings challenge.
- Write down what you will use the money for (what’s the goal)
- If you flip it, start with the 5,200, the challenge will always become easier every week
- If you are paid monthly you can add up & make the savings monthly
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How the wealthy make money in Kenya
Own Business: 35%
Salary & Employment: 21%
Investment Portfolio: 20%
Mix: 16%
Others: 7%
Seems building a successful business slightly increases your odds.
I also hope you can see what worries us 😅
The 2021 Wealth Report by
@KnightFrankKE
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“How does one prepare for tough economic times or uncertainty”
1. Fund Emergency Funds (6 months)
2. Invest in quality companies
3. Excel at work to avoid layoffs
4. Network & update CV for alternative income
5. Save in stronger currencies (e.g., USD)
6. Diversify investments
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Wow… Someone has my write up as a screensaver. Thanks for sharing 🙏🏽
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In 2023, I set modest goals, and I'm especially pleased with the Sacco one. I acquired a significant portion of Sacco shares from people here, securing them at substantial discounts ranging from 30% to 50%.
Working on a post on the link between setting clear financial goals and
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If you work from home your rent, electricity bill and wifi are valid business expenses, you should claim that when filling your tax 😅
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I plan to buy more stocks in the NSE this year. Here’s my updated Stock purchase plan for this year.
$IMH new position as from last week (25/04/2024)
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By the way most of you end up with no investments, retirement savings or emergency funds because you are always doing some project somewhere.
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@Chubbyy__
@tosinolaseinde
This why you should pay attention when writing a product specification document for developers 😅
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If you live paycheck to paycheck, you are most likely to use a mobile/digital loan when you face any financial emergency. You can easily get trapped in the vicious cycle of taking loans to pay loans.
Here’s a framework you can use to start building your emergency fund
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Happy 2024,
To help you get your financial goals on track I'd like to share my one-page financial planner & some resources that helped me achieve my financial goals.
I have been using it since 2019 & I will be using it again this year as well 🙏🏾
𝐆𝐨𝐚𝐥: 𝐊𝐞𝐞𝐩 𝐈𝐭
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Always try to look at your salary in annual/yearly terms.
Then ask yourself what THINGS can I do to increase my earnings by 10%, 20%, 50%, double the amount or 5X the amount in the next year?
These THINGS should be sustainable and not make you risk what you have today.
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Unlock financial freedom in 2024!
Break free from the payday loan cycle (paycheck to paycheck) and take control of your finances! 💰
#FinancialFreedom
#SmartMoney
"
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Know your numbers, Finance is about numbers but Personal Finance should not be about hard and complex numbers. Here are 10 numbers/formulae I believe you should know and track. (1 bonus at the end)
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When calculating your net worth, your policy premiums should be captured as expenses not assets. They become income when they mature and are paid out.
Adding them as savings or investments will give you an incorrect picture of your financial position at a given point in time
🙏🏾
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Before you start investing in bonds have at least 100K in MMF
Before you start investing in local stocks have at least 100K in bonds
Before you start investing in offshore have at least 100K in local stocks
Before you start investing in crypto have at least 100K in offshore
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Hello good friends,
Here’s something I learned recently
There are only six paths to get rich and live a happier life:
1Marry money
2Inherit money
3Exploit a unique talent
4Get exceedingly lucky
5Own or lead a successful business
6Spend less than you earn and invest
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For MMF I always recommend two CIC & Sanlam
CIC it has the largest AUM so if things start going wrong you’ll know early. I have 3 accounts for different purpose/goals.
Sanlam it has the lowest management fees I use it as a place to park money i.e. accumulate before making moves
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Morning, some of my notes are timeless advice, so I will be sharing some with the new followers as well as creating new notes
If you are below 28 years old the best investment you can make is in yourself (Career and Personal Development)
Please like & retweet for mass reach 🙏🏽
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Here's how my Portfolio Allocation looks after Q1 moves
Key Notes:
- Bought the offshore dip
- Added 4 private startup investments
- $EQTY is now the 3rd largest holding in local stocks
- No Crypto moves
- Still conservative with Managed Funds (MMFs & Sacco)
- Zero Debt (0%)
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If you’re building your savings/emergency fund, don’t feel bad withdrawing from the account if you need to, do it & pay back with kasmall interest
That’s the whole purpose, don’t be so fixated on reaching the target amount. Some even take a mobile loan than touching that savings
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Wealth isn't just about amassing riches; it's about navigating a lifelong journey through distinct stages, each with its own challenges and opportunities
Let's explore these stages like chapters in a book, guiding you towards financial mastery and meaningful contentment
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What's Value Investing?
Value investing is the art of buying stocks that trade at a significant discount to their intrinsic value or book value with the intention of holding the stock until the value is unlocked or the market becomes more efficient and correctly prices the stock
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Once you’ve started your financial literacy journey don’t go overboard to a point where your stinginess or frugality starts affecting your or your family’s quality of life
As much as you making and saving money, you should also be spending and creating memories with your people
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Dividend investing requires careful planning to ensure you get the best return on your investment.
Timing purchases around book closure dates & market psychology can help with better yields and average prices
Let’s look a a case for $BAT
#dividendinvesting
#investmentstrategy
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Investing gives you an illusion of doing great until you over do it (own so many stock) & get exposed to serious market risks.
It happens to me too, so, I have set the minimum entry position for any new stock I want to own at Ksh100,000 ($1,000).
This helps in three ways:
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@benliquidkenya
These are the real OGs… deploying a new build in the middle of a National Election 😅
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Building a Strong Financial Foundation
Emergency Fund to cover unexpected expenses
Consistently save and prioritize saving over spending
Reduced Debt Reliance: Be less reliant on loans to get by
Growing Your Money: Put your money to work & earn interest
Please Retweet 🙏🏽
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Ever since I learned this lesson and course corrected, my net worth kept growing.
Now at 32 years, I will be entering the Wealth Accumulation stage meaning it is time to be doubling down on what worked. Less new asset class, single stocks, new startups 😅
I should also clear
Good friends don’t waste 3 years like me.
Here’s some tough lessons
👇🏿
When I started learning about investing I was so excited and would put some money in almost every asset class I read about.
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Emergency Funds serve a single purpose: to provide you with peace of mind.
They are not meant for investment, growth, or protection against inflation.
Their sole function is to help you rest easy at night.
Period.
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I finally have target entry points where I will be adding Safaricom $SCOM shares
Price 1: Ksh 10/= add 20,000 shares
Price 2: Ksh 8/= add 65,000 shares
I will place the 1st buy orders for at least 5000 shares at price 1 and at least 10,000 shares at price 2
Then WAIT 🙏🏽
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Ndio kushighulikia mali, uzuri $AAPL gains na dividends zinaweza changia vizuri sana…
Long term holder 💯
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Sacco Dividends season 💰
@SafaricomSacco
Recommends 13% Dividend and 8% interest on your deposit balance.
I pray mtajikakamua hii mwaka...
If you are looking to dispose your Safaricom Sacco Shares please reach out to me via DM I will buy them if we agree on a good discount 😅
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Hello
@shobanes
,
Typically, employees at financial institutions enjoy discounted access to financial services as an extra perk of their employment.
For instance, a bank might offer them a mortgage at 4% - 7%, whereas the general public might have to pay 16% - 21%.
So, owning a
Watu wana lead financial institutions and investment banks,they own homes.
They have all the information on how to get highest returns on investments but they still own homes. Not rent.
Thats all you need to know about owning a home. It's a good thing.
Do it if you can.
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Saving is more important than Investing …
Focus more on your increasing your savings rate as you start your financial journey.
Your saving rate is more important than your investment return. You can bring out your excels & calculators I will show you life 😅
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City’s Boy is Chelsea’s Man 💯
Peter Drury pure poetry
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Investing $1,000 in the stock market is hard but
If you spend Ksh 5,000 every weekend for sherehe, I would ask you invest half the amount Ksh 2,500 every week
After 52 weeks you’ll have Ksh 130,000 invested
You can:
Buy $VOO or $SCHD
Buy $SCOM $EQTY or $NCBA
Put it in an MMF
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@NjeriMuchina2
Shida ni kila mtu hio area husema wako Meru kumbe they are in another town sijui 2 hours away from Meru
So 7 hours 😅
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As we look forward to the long weekend, let me share how things look in Q1’24 kabla weekendi iamue kurearrange vitu 😅
Key thing:
The goal this year was to spend a bit more so I decided to visit a new place every month this year
Jan: Tanzania & Zanzibar
Feb: Rwanda
Mar:
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Monkeys right now knowing they are about to be blamed for the nationwide power outages 😅
#KPLC
#Nationwide
#Blackout
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How I invest and why I’m changing it
…
I underperformed the market benchmarks in 2021 & 2022 but had lots of fun picking, researching and purchasing single stocks/companies…
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Sometime last week pale WhatsApp.
Just decide on a MMF and start saving/investing to grow the balance.
Don’t waste time trying an extra 2% or 3% on paper looks great but if it will introduce even the tiniest bit of risk to your portfolio then it’s not a worthwhile distraction.
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From the DM
Long but hope it helps you too.
To the young people investing in yourself also means going hard at work, we grossly underestimate the ROI of career progression
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If you haven't looked at Equity bank you are sleeping on it
𝐄𝐪𝐮𝐢𝐭𝐲 𝐁𝐚𝐧𝐤 > 𝐄𝐪𝐮𝐢𝐭𝐲 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 > 𝐄𝐪𝐮𝐢𝐭𝐲 𝐀𝐟𝐲𝐚
This value chain/flywheel will mint money for the coming years with high margins.
Watch how they perform in tomorrow's earnings release.
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I really hate misinformation seen this tweet “Savings is for the poor… Investing is for the rich"
You need to build a solid ground before your go for the offense.
Savings helps you do this having a strong 6-12 months emergency fund ensures you don’t liquidate your investments
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Bond Spreading: If you spread your bond purchases since the beginning of the year, you’ve been getting increasing rates & this being half of the year I will be getting interest paid every month of the year for the next 17 years unless I sell some bonds
Passive income, shall we?
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Upgrade your circle of friends
Avoid drama
Dress well
Smell nice
Talk less
Party less
Make money
Go for a walk
Hit the gym
=
Win in Life 🏆
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Yes I love sharing what I am actually doing some people share things that they themselves will never use/do or recommend to a close relative.
Be very careful on where you get your information. Even better start applying it and stick with what works for you.
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Prioritizing paying off high-interest loans by regularly making extra monthly payments, can be a smart financial move. Especially in an environment with increasing interest rates.
It helps you save on interest payments & outperforms many investment options with lower risk.
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I wrote this plan back in Dec 2022
Do your analysis & set your price then let the stock come to you, never chase a stock.
You need to be patient and wait for the right pitch 💯
The watchlist stocks are under analysis only one will make it into the portfolio this year 💼
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Goal: Clarity of thought
2023 was challenging, I shifted the investment strategy every quarter, risk-on and risk-off
Don't try and spread your money in all asset classes while it is small (100% return on 10K is just 20K).
Instead build a meaningful position in a few asset
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I sleep well knowing this is how my portfolio allocation looks after Q1’23. I updated it from 2019.
You can see as I kept learning I kept diversifying and the portfolio is very defensive.
For the new investors & followers this is not investment advice.
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I have no clue how I got to 10K followers, grateful to the ~20 or so people we frequently interact with here.
It’s your engagement that brings the visibility 🙏🏽
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Build up your savings…
Build up your emergency fund…
This 2024 has massive 2020 vibes 😅
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If you received your paycheck last week & used some of it to have fun over the weekend, that's understandable, ni pesa yako.
Can you deposit the same amount you spent into your Money Market account.
Prioritize paying yourself first👍🏽
If you can’t then know you couldn’t afford
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Step by step: When investing for the long term, always try to understand the business.
𝐄𝐪𝐮𝐢𝐭𝐲 𝐁𝐚𝐧𝐤 > 𝐄𝐪𝐮𝐢𝐭𝐲 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 > 𝐄𝐪𝐮𝐢𝐭𝐲 𝐀𝐟𝐲𝐚
This value chain/flywheel will mint money for the coming years with high margins.
@KeEquityBank
@jmequity
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How I decide on owning companies in the stock market is scary simple
“Hmmh this company is really (or will be) doing well or I spend a lot on their products… I would like to invest in the company so I can benefit from the profits it gets and those it will reap in future”
1/3
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𝐖𝐡𝐚𝐭 𝐈 𝐤𝐧𝐨𝐰
The Kenya Deposit Insurance Corporation (KDIC) is a statutory body that protects depositors’ money up to Ksh 500,000 per account if their bank fails.
It provides deposit insurance coverage to depositors of member institutions.
And with that
Read this 👇🏾
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I've been getting a lot of questions about how I invest in the US stock markets. I mainly use two platforms:
@Trading212
and
@IBKR
Unfortunately, Trading212 is no longer accepting new accounts from Kenya, so most of you will need to use IBKR.
I was planning to write a guide on
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There are only six paths to get rich and live a happier life, here’s the list from the toughest:
Marry money
Inherit money
Exploit a unique talent
Get exceedingly lucky
Own or lead a successful business
Spend less than you earn and invest your savings wisely over a long period
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Your first Ksh 5,000,000 will be a result of YOU working hard.
Your first Ksh 50,000,000 will be a result of your money working harder for you.
Put in the work upfront so that your investments can do the work for you later.
Watu wakaze mishipi 😅
Your first Ksh 100,000 will be a result of YOU working hard.
Your first Ksh 1,000,000 will be a result of your money working harder for you.
Put in the work upfront so that your investments can do the work for you later.
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The cars prices in Kenya are getting out of hand. If you are planning on buying a new unit it'd be good to hold off for a bit. Most decent sedan cars go for 1.9M - 2.3M. That is a lot of money for that type of unit.
Put that money in a MMF wait for things to properly open up.
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Forget about investing Ksh 5,000 every month in an MMF that everyone is talking about here on Twitter/X...
If you invest Ksh 85,000 every month, in 12 months you will end up with at least Ksh 1,000,000 in the MMF
Step up your game and start getting serious about these things?
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Sometimes it feels like you’re not making any progress in life, all you need to do is stop & zoom out. You'll be shocked how far you've come.
In 2021, I doubled my net worth (2x 2020 net worth) using simple frameworks & a one-page financial plan document.
2022 we double down 💯
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Best investment so far 2024…
- Planted 240 trees in 1 month (760 to go)
- Also planning to set up a tree nursery bed to grow and be giving out trees to the community and church members
#TupandeMiti
💯
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@jimatuya
@CICGroupPLC
While other money market funds give you interest every month,
@CytonnInvest
will give you stories and they will sue you if you refuse to listen to their stories
@ehdande
can confirm
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A bit harsh… but with good intentions.
I think most people fall into this six categories. I have tried to give the realistic investment options for every category and some hints.
Let’s see👀
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Building a well-balanced portfolio allocation. Don’t play small;
The key is to maintain a balanced portfolio with meaningful, well-researched positions rather than a large collection of small, scattered investments.
Please help retweet for reach 🙏🏽
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@Dreyanna12
Hii dp na hii story yako haziendanishii…tumia picha ya Ssaru ama Ngechi 😅
I thought you were kidnapped ukapelekwa Wendani bana.
#wastedemphathy
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Is there a specific valuable skill or a particular character trait that, if someone sees the opportunity, they will actually remember to mention your name?
As we head into 2024, it's a perfect time to take a moment to reassess yourself: what do I want to be known for? What
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@keyboysteve
It is hard for that to happen, these transactions are always complex and a single round is raised from different funders some who may not look keenly in such issues.
It's how selective we are in these matters that's amazing me.
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