Gichuki Kahome @personalfinancetoinvesting Channel on Telegram

Gichuki Kahome

@personalfinancetoinvesting

Sharing personal finance and investing insights.

personalfinancetoinvesting (English)

Are you looking to improve your financial literacy and grow your wealth through investments? Look no further than the 'personalfinancetoinvesting' Telegram channel, curated by the knowledgeable Gichuki Kahome. This channel is dedicated to sharing valuable insights and tips on personal finance and investing, helping you make informed decisions to secure your financial future

Gichuki Kahome, a seasoned financial expert, offers a wealth of knowledge on topics such as budgeting, saving, investing, retirement planning, and much more. Whether you are a beginner looking to start your financial journey or a seasoned investor wanting to diversify your portfolio, this channel has something for everyone

Join a community of like-minded individuals who are passionate about improving their financial well-being. Get access to exclusive content, expert advice, and real-life examples to help you navigate the complex world of finance with confidence

Don't miss out on this valuable opportunity to learn from the best in the field. Take control of your financial future and start building wealth today with 'personalfinancetoinvesting'.

Gichuki Kahome

11 Feb, 14:51

You can complain about taxes or learn how the wealthy legally avoid them:

Elon Musk refused a salary & took stock-based pay—lower taxes.

Warren Buffett pays a lower tax rate than his secretary due to capital gains.

James Mwangi of Equity pays more tax on his salary than his dividends, despite earning 3X more from dividends.

The tax code favors investors over employees—play smart
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Gichuki Kahome

11 Feb, 10:01

https://youtu.be/Qszo01gBp5s?si=maLYRjtbeqHTI__w
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Gichuki Kahome

11 Feb, 04:09

Couples handle money so differently! 💰💑

1️⃣ Spend one income, invest the other
2️⃣ Split bills, invest separately
3️⃣ Joint accounts for everything
4️⃣ One partner handles it all

No right answer—just what works!

Which one are you?
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Gichuki Kahome

10 Feb, 16:42

This is your sign to start investing in offshore stocks and ETFs

1. 10 years ago, 1USD was exchanging at 86KES, today we are at 130

2. The S&P 500 has returned an average of 10.57% since 1957 to 2024(best performing exchange for the last century

3. You don’t need to learn how to analyze stocks as you can invest passively via ETFs

4. You get the chance to invest in the world leading economies and companies
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Gichuki Kahome

10 Feb, 08:54

5 Things that most people ignore about SACCOs

1. Share capital is non-redeemable but transferable

2. Savings in your BOSA account are non withdrawable. Only accessible when leaving the SACCO.

3. To save is to deposit money, to access your money you have to take a loan

4. If you are not in a SACCO to access cheap/friendly loans, SACCOs may never make sense to you

5. There are two types of accounts.

a) Front Office Savings Account(FOSA) - Similar to a normal bank account. Savings earn no interest

b) Back Office Savings Account (BOSA) - Savings earn interest called rebates. used to evaluate your loan amount eligibility.
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Gichuki Kahome

10 Feb, 08:14

Quick links:

1. Open a Money Market Fund account: https://bit.ly/46mnbLO

2. Get a whole life insurance quotation: https://forms.gle/BUAvKLhVvMjsERp58
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Gichuki Kahome

10 Feb, 08:14

2. Education/endowment policies

The plans try to combine two things in one and end up giving you poor results in both

They try to combine insurance + investments in one

You end up getting a poor life cover and a poor ROI

Solution: Use pure risk products for insurance i.e. whole life insurance

and use pure investment products to grow your wealth
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Gichuki Kahome

10 Feb, 08:13

Explanations:

1. Banks savings accounts earn you no interest on your savings.

Most fixed deposit accounts have low interest on savings compared to MMFs and still penalize you when you access your money before the end of the fixed period.

Solution?

Save your money in a MMF:
- Earn an interest on your savings that beats inflation rate
- You have ease access of your savings
- You can hardly lose your mone
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Gichuki Kahome

10 Feb, 08:13

4 Things I would never do with my Money:

1. Save in a banks' saving or fixed deposit account
2. Buy an education policy/endowment policy
3. Take a loan to finance a personal car
4. Make my Chama my only savings/investment pla
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Gichuki Kahome

10 Feb, 05:17

📉 T-bill Rush!

Investors scramble for T-bills in the latest auction, fearing further rate drops after CBK’s 0.5% rate cut.

💰 Bids hit Sh71B—highest in 11 weeks!

🔻 Yields fell sharply:
91-day: 9.52% ➡ 9.11%
182-day: 10.02% ➡ 9.51%
364-day: 11.31% ➡ 10.75%

💡 With Sh57B extra liquidity from CRR cut, will banks lend more or double down on T-bills?
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Gichuki Kahome

10 Feb, 05:17

🚨 Sh13.3B at Risk! KUSCCO execs forged a dead auditor’s signature to approve fake financials, PwC audit reveals.

🔥 Key findings:
▪️ Sh12.5B insolvency, depositors’ funds at risk
▪️ Sh9.3B in financial misstatements
▪️ Sh3.7B hidden expenses, fake profits
▪️ Sh821M overpaid to insurance brokers
▪️ Sh500M potentially stolen
Top officials silent, but the scandal runs deep!
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Gichuki Kahome

08 Feb, 16:14

https://x.com/kahome_steve/status/1888259720512741714
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Gichuki Kahome

08 Feb, 16:13

Where should you put your money in 2025? 💰📈

I just went through [
@StanChartKE
's] Global Markets Outlook for 2025.

🇺🇸 Will Trump's 'America First' shake up markets?
💸 Are more interest rate cuts coming?

Here’s where investors see big opportunities this year: 👇👇
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Gichuki Kahome

02 Feb, 20:04

When did the NSE become a meme stocks' exchange?

The top performing stock YTD is Trans-Century(+246.2%)

It has a negative book value per share & trades at a negative P/E ratio

The former means its liabilities > assets, hence insolvent while the latter means it's unprofitable.
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Gichuki Kahome

02 Feb, 11:25

Kenya's Economy in January 2025

- Headline inflation was at 3.3% up from 3.0% in December

- The Nairobi All share Index(NASI) was up 3.89%
Trans-Century Plc was the top performing stock gaining +246.2%

- Moody's revised Kenya's credit outlook to positive from negative while affirming its Caa1 rating

- T-bill rates saw slight declines with the 91 day T-bill dropping from 9.89% to 9.52%

All eyes are now on the MPC meeting scheduled for Wednesday, 5th Feb.

Do you expect another rate cut?
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Gichuki Kahome

02 Feb, 08:50

The Feb cohort of our Money Mastery Masterclass starts tomorrow.

This is your chance to level up your financial literacy and learn how to manage your personal finances and invest in Financial Markets.

We still have a few slots left. You can register via the link below

https://gichukikahome.com/masterclass/
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Gichuki Kahome

31 Jan, 14:46

Saving Avenues:
- Money Market Funds
- SACCOs

Investing Avenues
- Bonds
- Stocks
- ETFs
- Mutual Funds
- Bitcoin
- Real Estate

Don't confuse the two!

Saving is short term, done in highly liquid near cash instruments.

Investing is long term, mostly involving illiquid assets.
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Gichuki Kahome

30 Jan, 16:33

https://x.com/i/spaces/1DXGydWBaQnKM
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Gichuki Kahome

30 Jan, 16:33

The space is on

https://x.com/i/spaces/1vOxwrXOnvdJB
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Gichuki Kahome

30 Jan, 06:30

*Singer Rihanna nearly went bankrupt after overspending and sued her financial advisor.

The advisor responded:

“Was it really necessary to tell her that if you spend money on things, you will end up with the things and not the money?"*

~ The Psychology of Money
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Gichuki Kahome

30 Jan, 05:14

Remember to join us tonight

https://x.com/i/spaces/1vOxwrXOnvdJB
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Gichuki Kahome

28 Jan, 14:38

5/ For some tap sales, and bonds bought in the secondary market,

The price may as well be a significant factor to look at

As your overall return from the bond will be determined by the price plus the coupon.
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Gichuki Kahome

28 Jan, 14:38

For the two IFBs currently on offer, the two bonds are almost identical with a slight variance on the coupon rates which can be explained by the difference in maturity dates.

Hence the main factor to determine would be:
- Coupon payment dates
- Investor's investment horizon
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Gichuki Kahome

28 Jan, 14:37

4/ Coupon payment dates.

Every bond pays interest twice a year and the payment dates are pre determined and stated in the bond prospectus.

Since bonds are used by investors mainly to supplement their active incomes or cater for other cash flow needs,

Investors may prefer to receive coupon on certain times of the year compared to others.

Moreover, if you are building a bond ladder, you may want to avoid adding a bond that pays coupons on the same months as other bonds in your portfolio
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Gichuki Kahome

28 Jan, 14:37

3/ Coupon rate.

This determines the interest payments that you will receive semi annually until the bonds' maturity.

Generally, longer termed bonds have higher coupon rates due to increased credit risks.

However, sometimes we may have inverted yield curves and the vice versa might happen
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Gichuki Kahome

28 Jan, 14:37

2/ Maturity of the bond or the bond's tenor.

This is when you will get your money back

T-bonds are long term debt obligations with maturities ranging from 2-30 years.

Depending with your investment horizon, you can select a bond with a maturity that matches your investment horizon
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Gichuki Kahome

28 Jan, 14:37

1. Type of bond.

There are generally two main types of Treasury bonds with the main difference being the tax obligations:

a) Fixed coupon bonds - Subjected to a withholding tax of 10-15 % depending on bond's tenor

Bonds with tenors of less than 10 years - 15% withholding tax

Bonds with tenors of more than 10 years - 10% Withholding tax

b) Infrastructure bonds. Investors love them as they are tax free.
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Gichuki Kahome

28 Jan, 14:36

Getting questions on which among the two IFBs is better to invest in and why:

When it comes to T-bonds, more so when buying directly via CBK,

Only a few factors actually matter when choosing which T-bond to invest in:

These include:
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Gichuki Kahome

27 Jan, 16:11

The first step in estate planning is understanding the difference between a "beneficiary" and a "next of kin"

The second one would be to understand the difference between probate and non-probate assets.
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Gichuki Kahome

27 Jan, 15:59

2. An ETF tracking some of the sectors in the Kenyan market.

Best bet would be the banking sector.

Market cap weighted. Rebalanced every quarter.
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Gichuki Kahome

27 Jan, 15:58

If I were a fund manager in Kenya, I would try to set up these funds:

1. An education fund/college fund

A product better than modern day education insurance products.

Portfolio would probably be a fixed income fund with some restrictions to funds access.
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Gichuki Kahome

27 Jan, 09:21

Our Money Mastery Masterclass, Feb cohort starts next week

Registration closes this week.

You can still register via this link
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Gichuki Kahome

27 Jan, 05:11

Set your reminder here:

https://x.com/i/spaces/1vOxwrXOnvdJB
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Gichuki Kahome

27 Jan, 05:11

This week on X spaces
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Gichuki Kahome

26 Jan, 07:57

Link to the thread

https://x.com/kahome_steve/status/1883422216894972190
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Gichuki Kahome

26 Jan, 07:57

Exchange Traded Funds (ETFs) simplify investing by answering the question: What stocks should I buy?

But with so many ETFs today, the real question is:

Which ETFs should I invest in?

Here’s a breakdown 👇
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Gichuki Kahome

26 Jan, 05:12

What does "making good money" mean to you?
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Gichuki Kahome

24 Jan, 06:24

If you had to save 50% of your income for the next 6 months, what’s the first thing you’d cut out?
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Gichuki Kahome

24 Jan, 05:23

Money Market Funds vs T-bills

A question that is often asked by many:

"Since MMFs mainly invest in T-bills, why can't I invest directly in T-bills and get the *full gross return* before management fee is deducted?"

Here is how MMFs compare to T-bills👇

Read the entire thread here
https://x.com/kahome_steve/status/1882660196792897698
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Gichuki Kahome

24 Jan, 04:59

CBK has reopened two IFBs

IFB1/2022/14 - tenor : 11.8 yrs,
coupon: 13.938%

IFB1/2023/17 - tenor : 15.1 yrs,
coupon: 14.399%

Place your bid by 12th Feb 2025

IFB stands for Infrastructure bonds. Investors love them as they are tax free

Minimum investment amount is ksh 50K
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Gichuki Kahome

11 Jan, 23:24

https://youtu.be/z-qS2YKSt9s?si=duWTaX18zgLRBQAY
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Gichuki Kahome

11 Jan, 22:27

Early Bird registration deadline for the February Cohort of our Money Mastery Masterclass closes this weekend.

Enroll today to enjoy the early bird discount.

Click here to register: https://gichukikahome.com/masterclass/
65
Gichuki Kahome

11 Jan, 22:25

Which is the one asset class that you are looking forward to adding to your portfolio this year?

1. Offshore stocks
2. ETFs
3. Real Estate
4. Bitcoin
5. Gold
6. Local stocks
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Gichuki Kahome

11 Jan, 22:25

You can be Asset Rich but Cash poor.

Asset rich - You own assets like land, real estate that contribute significantly to your wealth.

Cash Poor - Despite having high net worth, you lack sufficient cash or liquid funds to cover immediate expenses, emergencies, or opportunities
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Gichuki Kahome

11 Jan, 07:45

The two most important elements of an ideal portfolio are liquidity and cash flow.

Liquidity - How easily you can convert an asset to cash

Cash flow - The amount of cash generated by your portfolio on a regular basis

Cash flow is more important than net worth!
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Gichuki Kahome

07 Jan, 17:10

https://x.com/i/spaces/1djGXrlmOMzxZ
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Gichuki Kahome

07 Jan, 16:37

new link
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Gichuki Kahome

07 Jan, 16:37

https://x.com/i/spaces/1djGXrlmOMzxZ
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Gichuki Kahome

07 Jan, 10:57

Link below
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Gichuki Kahome

07 Jan, 10:57

Remember to join us tonight at 7.30pm
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Gichuki Kahome

06 Jan, 16:32

My smartest financial strategy is to do the "30 day no spend challenge" in January.

It's a clever way to trick yourself that you are 'broke on purpose.'

Works like a charm!
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Gichuki Kahome

06 Jan, 07:10

Registration for the Money Mastery Masterclass, Feb cohort is open.

Early Bird registration deadline closes in a week.

Enroll today to enjoy the early bird discount.

All details on posters below.

Click this link to register. https://gichukikahome.com/masterclass/
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Gichuki Kahome

06 Jan, 06:50

KQ shares to resume trading at the NSE.

This follows the lifting of the suspension on the trading of KQ shares after the company's recent performance which saw the company record a profit after tax.

Are you looking forward to disposing your KQ shares or buying more?
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Gichuki Kahome

05 Jan, 11:38

https://x.com/i/spaces/1mrxmMaApyWxy
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Gichuki Kahome

05 Jan, 11:37

Set a reminder for our first space of 2025

We review 2024 markets performance and discuss 2025 markets outlook.

Where will the money be made in 2025?

Link below👇
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Gichuki Kahome

04 Jan, 07:58

May 2025 be the year you stop saving your money in your banks' saving account

And investing your money in your banks' fixed deposit account.

Only short term investments should be held in cash or near cash instruments.

Learn how to invest! Let your money work for you!
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Gichuki Kahome

03 Jan, 23:46

"A well diversified portfolio needs just four stocks."

~ Charlie Munger
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Gichuki Kahome

02 Dec, 16:58

Funny enough that with over 1M kenyans invested in Money Market Funds, Over Ksh 316B in Assets Under Management & 35 Fund managers in the business,

I still get a lot of comments that Money Market Funds are a scam.

MMFs are arguably the simplest financial product to understand.
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Gichuki Kahome

02 Dec, 15:04

This year has been a tough one financially for households:

1. Increased payroll taxes and deductions reduced disposable incomes

2. High interest rates left borrowers stretching their budgets to accommodate skyrocketing loan repayment installments.
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Gichuki Kahome

30 Nov, 14:27

Kenya's economy in November:

1. Inflation was up by 10 basis points to 2.8%

2. The Nairobi All Share Index (NASI) was down by 5.16%(still up 21.08% YTD)

3. The USD strengthened against the KES by 1.18% (KES has gained 22.62% YTD)

4. T-bill rates continued to fall sharply with the 91 day T-bill rates dropping from 13.45% to 11.25% in November alone.

All eyes are now on the next meeting of the Monetary Policy Committee (MPC) which will be held on Thursday, December 5, 2024

Do you expect another rate cut?

How long till borrowers actually get relief from the high borrowing costs?
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Gichuki Kahome

27 Nov, 17:54

Thank you all for joining

Here's the link to the recording

https://x.com/i/spaces/1vAGROyoDWVJl
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Gichuki Kahome

27 Nov, 15:36

Starting in 20mins

https://x.com/i/spaces/1vAGROyoDWVJl
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Gichuki Kahome

27 Nov, 04:30

Remember to join us tonight at 7pm as we discuss shariah compliant asset classes & Ethical investing

Set your reminders here
https://x.com/i/spaces/1vAGROyoDWVJl
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Gichuki Kahome

26 Nov, 05:27

Before you move to that richer neighborhood or upgrade your car,

Upgrade your portfolio first.

Lifestyle upgrades become lifestyle creep when not accompanied by investment upgrades.

Don't let lifestyle inflation sabotage your financial goals.
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Gichuki Kahome

25 Nov, 16:58

Is it bad to rent in retirement?

Is everyone's goal to have a home in retirement?

Or is it a narrative driven by mortgage & real estate brokers that renting in your retirement is bad?
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Gichuki Kahome

25 Nov, 16:28

Set your reminders here:

https://x.com/i/spaces/1vAGROyoDWVJl
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Gichuki Kahome

25 Nov, 13:51

This Wednesday
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Gichuki Kahome

24 Nov, 07:10

Here's a thought that completely changed how I spend money:

10K for a 20yr old will be worth 452K when he's 60
10K for a 30yr old will be worth 174K at 60

Assuming no additional contributions & a 10% return p.a.

The power of compound interest!

*Not adjusted for inflation
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Gichuki Kahome

21 Nov, 17:31

T-bill rates dropping faster than Kenya's interest in Adani's deals

We could be back to below 11% before the year ends.

The era of high T-bill rates and high returns on fixed income securities is surely coming to an end.

Time for investors to shift to Equities.
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Gichuki Kahome

18 Nov, 05:28

How do you manage black tax without ruining your relationships with your family and friends?

1. Only give what you can manage. Don't sabotage your financial goals to help others.

There's a limit to how much you can give.

2. Lend amounts you are comfortable okay not getting paid back.

Relationships are ruined by financial obligations like debt.

3. Set and maintain healthy boundaries to where you can help and where you can't.

This will help you stay focused on your financial goals.
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Gichuki Kahome

18 Nov, 05:27

Close friends or family members may be aware of things you’re spending money on.

Rent you pay, cars you drive, vacations, etc hence make judgements about what you can or can’t afford.

They then expect that you should be in a position to help them financially

Enters black tax
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Gichuki Kahome

17 Nov, 16:33

A tip to aid in your retirement planning:

If you have worked for different employers, you can consolidate your pension that has accumulated over the years by different employers.

Helps you organize your retirement planning.
4,028
Gichuki Kahome

17 Nov, 13:41

https://x.com/kahome_steve/status/1858143156983705685?t=5ejo_x0Z4Ny_OZt_BFY3vA&s=19
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Gichuki Kahome

17 Nov, 08:01

Open your Money Market Fund Account today and start saving your money the right way:

I'd recommend either of these two that you can join via the links below:

1. CIC MMF https://bit.ly/4dlzquc
2. Sanlam MMF https://bit.ly/46mnbLO
4,471
Gichuki Kahome

16 Nov, 15:39

There are now over 1.2M Kenyans who have signed up for unit trusts investment producsts.

These include: Money Market Funds, Fixed income funds, equity funds, etc

This has brought the Assets Under Management to over KES 254B

Why are you still saving with your bank account?
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Gichuki Kahome

16 Nov, 14:36

Lies that convince people not to invest.

"I don't trust MMFs, my money is safe in mh bank account."

"I can't buy T-bonds, What if GoK defaulted"

"I won't buy stocks in the NSE. Only insiders make money."

What other excuse have you heard?
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Gichuki Kahome

14 Nov, 19:50

Two interesting charts here:

T-bill rates continue to fall and now the 91 day T-bill is below 13% down from 16% a few weeks ago.

Most Money Market fund rates seem not to be affected as much by the drop in T-bill rates

How long can they hold?
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Gichuki Kahome

14 Nov, 18:45

Let's connect on Linkedin

https://www.linkedin.com/in/gichuki-kahome-11a5061aa?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=android_app
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Gichuki Kahome

10 Nov, 07:07

https://x.com/kahome_steve/status/1855476474871972009?t=StLS-ER8hr0N5P8M8qekcg&s=19
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Gichuki Kahome

09 Nov, 13:52

For MMF recommendations, I'd recommend either of the following,

1. Sanlam MMF: https://bit.ly/46mnbLO

2. Kuza MMF: https://bit.ly/3X9vFTs
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Gichuki Kahome

09 Nov, 13:51

You can use your Money Market Fund account to:

1. Stack your emergency fund
2. Stack your sinking fund
3. Save up for upcoming expenses like travel, sch fees, purchase of a car
4. Entry into capital intensive investments like bonds or real estate.

What do you use your MMF for?
3,532
Gichuki Kahome

06 Nov, 19:47

What does a Trump win mean for Kenya and Africa?

Anything major to watch out for?
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Gichuki Kahome

06 Nov, 17:49

The Trump win has led to a rally in the financial markets:

1. Bitcoin hit an all time high
2. S&P 500 hit an all time high
3. Nasdaq 100 hit an all time high
4. DJIA hit an all time high
5. The USD is up against major currencies like the Euro, pound, Yen
4,023
Gichuki Kahome

03 Nov, 18:48

Registration for the last cohort of our Money Mastery Masterclass closes tomorrow.

This is your chance to learn how to manage your personal finances and get started with investing.

Register via this link. Use the coupon code "MONEY" at checkout for a 20% discount.

https://gichukikahome.com/masterclass/
5,017
Gichuki Kahome

03 Nov, 18:47

Which is the best place to save your money?

1. Money market funds are good for liquidity and ease of access

2. SACCOs are good if you would like to use your savings to get a loan

3. Banks savings accounts earn you little or no interest on your savings

4. Banks's fixed deposit accounts may penalize you on accessing your money before maturity.

5. Saving with apps like Chumz gamify and make saving fun and goal based by incorporating behavioral finance.

Where do you save your money?
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Gichuki Kahome

03 Nov, 09:54

Do note that:
1. I have only considered cash generating assets. Capital gains from some of these assets above isn't considered.

2. I have only considered investing in financial assets.

You can also invest in yourself, a business, a startup or anything else that is of value to you.

3. The above are mostly low risk assets that earn you income passively(without you getting involved)

you can obviously get higher returns in more riskier avenues or in avenues where you are getting more involved e.g. running a business
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Gichuki Kahome

03 Nov, 09:54

1M in a MMF with an annual yield of 14% will give you a return of 124K after taxes

1M in SACCO savings with a rebate(interest on deposits) of 10% will give you 95K after taxes

1M in SACCO share capital with a dividend yield of 14% will give you a return of 133K per annum after taxes.

1M in the average rental property in Kenya with a rental yield of 7% will give you 70K in rental income per annum
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Gichuki Kahome

03 Nov, 09:54

How to invest KES 1M in Kenya?

1M in an IFB with a 15% coupon will give you 150K per annum

1M in a 365 day T-bill with a yield of 14% will give you 105K after taxes

1M in a dividend king like KenGen at the NSE will give you 161K in dividend income after taxes(current dividend yield of 17%)
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Gichuki Kahome

01 Nov, 16:34

https://x.com/kahome_steve/status/1852388468023767445
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Gichuki Kahome

01 Nov, 15:54

Did you know that you can start investing in Real Estate in Kenya with less than Ksh 1,000?

I present to you Real Estate Investment Trusts(REITs) in Kenya

Here's everything you need to know about investing in REITs in Kenya👇👇
3,906
Gichuki Kahome

01 Nov, 07:10

Kenyan economy in October:

Inflation rate is at it's lowest in 17 years at 2.7%

The Nairobi All Share Index (NASI) is up +27.68% Year to Date

The Kenyan Shilling has gained +23.25% Year To Date against the USD

CBK cut interest rates by the highest margin(0.75%) since COVID to 12%

91-Day T-bill dipped below 14% for the first time in over a year.
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Gichuki Kahome

31 Oct, 15:45

Don't know which stocks to buy? Invest in Exchange Traded Funds(ETFs)

Don't like the illiquidity of real estate? Invest in Real Estate Investment Trusts (REITs)

Don't want to bear the risks associated with holding Bitcoin? Invest in a bitcoin spot ETF

Don't want to get into trouble liquidating your T-bill, invest in a Money Market Fund

Not sure if you can hold a T-bond till it's maturity? Invest in a fixed income fund.
3,715
Gichuki Kahome

30 Oct, 14:15

Registration for the last cohort of our Money Mastery Masterclass closes this weekend.

This is your chance to learn how to manage your personal finances and get started with investing.

Register via this link. Use the coupon code "MONEY" for a 20% discount.

https://gichukikahome.com/masterclass/
3,617
Gichuki Kahome

30 Oct, 08:14

NSSF won't help you live comfortably in retirement.

Affordable housing program won't help you own your dream home.

SHIF won't free you from medical bills.

New University Funding model won't reduce your school fees burden

The government won't save you. You are on your own!
3,252
Gichuki Kahome

30 Oct, 05:50

https://x.com/kahome_steve/status/1851501435042644262
3,311
Gichuki Kahome

30 Oct, 05:50

One of the biggest regrets that people have with their personal finances is:

"I have nothing to show for my 10-20 years of working despite earning a good income & even getting pay increments severally."

Why does this happen and why do so many people end up in this?👇
3,349
Gichuki Kahome

29 Oct, 20:05

All those people discrediting Kenya Power's reports should at least read their financial statements before commenting.

The turnaround by Kenya Power was expected by investors.

That's why the stock is up +146% YTD as of close of trading day, yesterday.

Majorly because it was expected there would be a significant reduction in finance costs due to the strengthening of the KES this year as majority of Kenya power's loan book is in USD.

But the profitability this year was majorly attributed to increased revenue which is probably tied to increased tariffs the 400K+ customers.
3,544
Gichuki Kahome

29 Oct, 06:27

2. KenGen

- Net profit up by 35%

- Dividend doubled to Ksh 0.65 per share up from 0.30 per share (diviend yield of 20.6%)

- With the share price currently trading at Ksh 3.15 only Bamburi has had a better dividend yield.

- The stock is up +56.7% YTD
3,342
Gichuki Kahome

29 Oct, 04:58

Good news for investors in the NSE, energy sector.

1. Kenya Power:
- After 7 yrs of no dividends, announce a Ksh 0.7 per share dividend
- Register a whooping Ksh 30B Profit up from a 3.2B loss
- With the share price at Ksh 3.50 (dividend yield of 20%)
- The stock is up +146.5% YTD

The stock will definitely rally today when markets open
3,514
Gichuki Kahome

25 Oct, 16:34

https://x.com/kahome_steve/status/1849851597305807201
4,314
Gichuki Kahome

25 Oct, 16:34

As an investor, you have to make informed decisions that are backed up by data.

Here are my top 10 sources of data that help me understand financial markets in Kenya.

They also help me offer credible financial advice to my clients.

Steal them below👇👇
4,168

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