How to Get Rich in Kenya at a Young Age
- Michael Mosi
- Aug 14
- 4 min read
Updated: Aug 19
Becoming wealthy in your 20s or 30s isn’t just a dream it’s a realistic goal in Kenya’s fast-growing economy. While side hustles and businesses can help, investing early and consistently is the most sustainable way to build wealth. With the right strategy and tools like Ndovu, you can turn small amounts into long-term financial freedom.
Why Investing is the Fastest Route to to Get Rich in Kenya at a Young Age
Many young Kenyans focus solely on active income from jobs or businesses. The problem? You’re trading time for money, and time is limited. Investing makes your money work for you, generating passive income that compounds over time.
When you invest, you’re:
Owning assets that grow in value (stocks, bonds, ETFs, real estate).
Earning passive income from dividends, interest, or rent.
Taking advantage of compounding, where your returns generate even more returns.
The earlier you start, the more time your investments have to grow even small amounts invested regularly can lead to millions in the long run.
How to Start Investing in Kenya at a Young Age
Set Clear Financial Goals: Decide why you’re investing whether it’s to retire early, buy property, or achieve financial independence.
Start with What You Have: You don’t need hundreds of thousands to invest. With platforms like Ndovu, you can start from as little as KSh 5,00 and build from there.
Diversify Your Portfolio: Don’t put all your money in one asset. Spread your investments across:
Fractional Shares - Own a share of companies powering the tech revolution like Nvidia with just KES 1000.
Money Market Funds (MMFs) – Great for building emergency funds while earning interest.
Exchange-Traded Funds (ETFs) – Exposure to global markets like US tech stocks.
Halal Investments – Shariah-compliant options for Muslim investors.
Automate Your Investments: Set up automatic monthly contributions. Consistency beats timing the market.
Why Ndovu is the Best Platform for Young Kenyan Investors
Ndovu is designed to help Kenyans, especially young people, invest smartly, simply, and affordably. Here’s how it works:
Personalized Portfolios – Ndovu assesses your goals, risk appetite, and time horizon, then recommends the right mix of investments.
Access to Global Markets – You can invest in US, European, and Asian markets without needing a foreign broker.
Halal Options – If you prefer Shariah-compliant funds, Ndovu has you covered.
Low Barriers to Entry – Start with as little as KSh 500.
Expert Management – Your investments are managed by licensed professionals, saving you the stress of constant market monitoring.
In short: Ndovu removes the guesswork and makes investing as easy as sending money via M-Pesa.
Side Hustles: Fuel for Your Investment Account
While investing builds wealth, you need capital to start and grow your portfolio. That’s where side hustles come in:
Freelancing (writing, design, programming)
Selling products online
Farming high-value crops like avocados or coffee
Renting out property or equipment
Pro Tip: Treat your side hustle income as “investment fuel” put at least 50% of it directly into your Ndovu account instead of spending it.
The Mindset Shift: From Spending to Growing
To get rich at a young age, change how you see money:
Stop seeing money as something to spend.
Start seeing it as seeds you plant today to harvest tomorrow.
Every shilling invested is a step closer to financial independence.
Your Roadmap to Wealth with Ndovu
Download Ndovu and sign up.
Set your goal retirement fund, home purchase, education, or wealth growth.
Start small KES 1000 and invest monthly.
Track your progress on the app and watch your portfolio grow.
Reinvest your returns to accelerate compounding.
Final Word
If you’re serious about getting rich in Kenya at a young age, the formula is simple:
Earn actively. Invest consistently. Let time and compounding do the rest.
Side hustles may give you quick wins, but investing is what creates lasting wealth. With Ndovu, you don’t need to be a finance expert you just need to start. The earlier you begin, the sooner your money starts working for you.
Start investing today with Ndovu, your future self will thank you.
Disclosure:
Ndovu is a regulated Robo-advisory platform operated by Ndovu Wealth Limited (‘NWL’). NWL is a Fund Manager licensed by the Capital Markets Authority (Kenya).
The information provided on this platform and the products and services offered are intended solely for persons in regions and jurisdictions where such distribution and utilization are in accordance with local laws and regulations. Ndovu does not promote its services in regions where it lacks the necessary licenses; It is exclusively available to persons residing in countries where it holds a valid license or has regulated partners. Ndovu does not extend its services to citizens of the United States, Canada, Japan, and other restricted territories.
Disclaimer:
All ETF products are subject to risk, including country/regional, liquidity, and currency risks. Market prices of securities within the ETF may rise and fall, sometimes rapidly and unpredictably. While ETFs provide diversification through exposure to a basket of securities, they do not eliminate the risk of loss. Diversification does not ensure a profit or protect against a loss. These are non-cis products and are registered by the SEC.