Ndovu Academy Blog

For decades, land has been the default answer to the question of where to put your money in Kenya. It is tangible, familiar, and carries cultural weight. But as investment options have expanded, more people are starting to ask a harder question: is land actually the best way to grow wealth, or is it just the most familiar one? Capital markets — stocks, bonds, ETFs, and funds — offer a set of structural advantages that land simply cannot match. Here is an honest look at land v

If you've ever wondered how to buy shares online in Kenya, you're not alone. More Kenyans are turning to the stock market as a way to grow their wealth, build passive income, and achieve financial independence. But for many beginners, the process still feels intimidating or outdated. Fortunately investment platforms in Kenya like Ndovu make this process simple and easy. The Traditional Way to Buy Shares in Kenya Traditionally, buying shares in Kenya meant registering with the

You have KES 100,000 set aside and you want it working harder than a savings account. Exchange-traded funds (ETFs) offer one of the most accessible ways to get exposure to global markets, and with the right mix you can balance stability with meaningful long-term growth. This guide proposes a three-fund structure on how to invest KES 100, 000 in ETFs: a broad market anchor for stability, and two sector-focused funds targeting technology and semiconductors industries researcher

Every time Kenyans pull up to a pump in Nairobi and across the country to check the latest EPRA fuel prices, they are not just buying fuel; they are participating in a complex, real-time global transaction. Following recent regulatory pricing announcements and subsequent midnight adjustments to settle public transport friction, the immediate conversation across Kenya has naturally focused on local budgets. We talk about transport fares, corporate overheads, and household marg

You have worked hard for your KSh 5 million. Now it is time to make it work hard for you. The challenge most Kenyan investors face is not a lack of money, it is knowing where to put it. Fixed deposits offer predictable but modest returns. Real estate ties up your capital for years. The Kenyan shilling has lost significant ground against the dollar over the past decade. If your money is sitting in KES-denominated assets alone, it is losing value in real terms every single year

Withdrawing your funds from Ndovu is a straightforward process that happens in two simple steps: disinvesting from your fund and withdrawing from your Ndovu Pocket. How to Withdraw Your Funds from Ndovu Step 1: Disinvesting - Initiate the disinvestment Start by logging in to your Ndovu account and navigating to the Portfolio section. Select the fund you wish to disinvest from and click the disinvest button. Your request will be processed within 2 business days, after which yo

Every year, Kenyan investors ask the same question: where should my money go? In 2026, that question carries more urgency than ever. Inflation hasn't disappeared, the shilling remains volatile. If you are exploring investment opportunities in 2026 , the answer is increasingly pointing in one direction: Special Funds. What Are the Best Investments in Kenya 2026? Let's be direct. The best investments in Kenya 2026 are not the ones that simply preserve your money, they are the

You have Ksh 250,000 sitting in your account, and you want it to work harder than a savings account or a fixed deposit can manage. The question of how to invest 250,000 in Kenya is one more Kenyans are asking and in 2026, the answer looks very different from what it did five years ago. The days of the money market fund being the only conversation in the room are quietly coming to an end. The Shift That's Happening Right Now For the better part of a decade, the Money Market F

The electric vehicle revolution has made Tesla (TSLA) one of the most talked-about and traded stocks on Wall Street. From its bold bets on clean energy to its self-driving ambitions, Tesla has captured the imagination of investors globally, and Kenyan investors are no exception. More and more people are now searching for how to buy Tesla shares in Kenya , but the path has traditionally been anything but straightforward. How to Buy Tesla Shares in Kenya The Traditional Way Hi

The global rise of Artificial Intelligence (AI) has turned NVIDIA (NVDA) into one of the most sought-after assets for investors worldwide. As the company’s valuation continues to soar, Kenyan investors are increasingly looking for how to buy Nvidia stocks in Kenya. However, traditionally, buying US-listed stocks from Nairobi has been a journey fraught with paperwork, delays, and high barriers to entry. How to Buy NVIDIA Stock in Kenya The Traditional Way Historically, when l

Kenya's special fund market is growing fast. More Kenyans than ever are moving beyond the Money Market Fund and into more sophisticated investment vehicles. But as the category grows, so does the question: with so many special funds now available, what actually makes Kibaba Special Fund stand out from another? For the Kibaba Multi-Asset Special Fund, the answer is not just what it invests in. It is how it puts you in control. The Problem With Most Special Funds Special funds

Special Funds have quietly become the second-largest fund category in Kenya's collective investment market, and the data suggests this shift is only getting started. For years, the Money Market Fund has been the default answer to the question of where to put your money in Kenya. Low risk, easy access, better returns than a savings account. For many investors, it was the first real step into the world of investing, and it served that purpose well. But something has been shifti

For a long time, the dream of owning a piece of the world’s biggest companies felt like a distant reality for the average Kenyan investor. We watched from the sidelines as tech giants in Silicon Valley or luxury brands in Europe scaled new heights, wondering how to get a seat at that table. The good news? The doors are wide open. Today, there are several different ways to invest in international stocks in Kenya , ranging from traditional bank-led routes to modern, tech-driven

In previous years, Kenyan investors looking for global exposure were limited to opening offshore accounts or using retail apps to buy fractional shares of Big Tech. However, in 2025, the smart money in Nairobi is moving toward Multi-Asset Special Funds . What is a Multi-Asset Special Fund? A Multi-Asset Special Fund is a sophisticated Collective Investment Scheme (CIS) licensed by the Capital Markets Authority (CMA) . Unlike traditional unit trusts that focus only on local T-

The modern investment landscape, the "one-size-fits-all" approach of sticking purely to broad market indices is being challenged. As of early 2026, many sophisticated investors are turning to Special Funds (or Special Collective Investment Schemes) to enhance their returns and protect their purchasing power. These funds are designed to do what traditional Money Market Funds (MMFs) and index funds cannot: target high-conviction, non-traditional growth opportunities. What are

The Kenyan investment landscape underwent a seismic shift in 2025. For years, the Money Market Fund (MMF) was the undisputed king of "safe" returns. However, with MMF yields cooling to single digits (averaging 9%), a new heavyweight has taken center stage: Special Funds. Data from late 2025 shows Special Funds now control over Ksh 137.8 billion in assets. While the headlines scream about 20% returns, smart investors know that "reading the numbers" requires looking beyond the

For many Kenyan professionals, the Money Market Fund (MMF) has long been the "clay pot" of the digital age. It is the first place we turn when we want our money to work harder than it does in a standard savings account. We appreciate the safety, the daily interest, and the ability to access our cash whenever a need arises. However, as the Kenyan financial market matures, many investors are noticing a consistent pattern. Their returns seem to hit a specific level, often betwee

1. What is a Special Fund & Why is it Unique? At its basic level, a Special Fund is a specialized type of collective investment scheme . This is a regulated financial vehicle where money from various investors is pooled together to create a significant capital base. However, unlike a standard Unit Trust (like a typical MMF), a Special Collective Investment Scheme (Special CIS) in Kenya is governed by a more flexible Investment Policy Statement. While traditional funds are

If you’re wondering how to invest Sh1 million in Kenya, you’re already ahead of most people. A million shillings is enough to build a solid investment foundation. The key is choosing assets that balance growth, safety, and long-term sustainability. This guide breaks down the smartest ways to allocate Sh1 million across stocks, ETFs, commodities like gold, and government bonds with simple steps you can take directly through platforms like Ndovu . Why You Need a Strategy Before

The fear of poverty is heavy. It's the profound, chilling anxiety that your children will face the very same financial struggles you do. This is the fear of Generational Poverty , and it is one of the most powerful motivators in the world. But this cycle is not an unbreakable chain. You have the power to put down the pen and start a new financial story , one that builds an abundant legacy for your family. That story begins with a single, crucial action: investing . The Growth