Where Can I Invest My Money in Kenya?

Kenya’s investment landscape is broadening, with fintech innovations now offering mainstream access to a range of global and local financial products. At the forefront is Ndovu, a Kenyan digital investment platform (regulated by the CMA), designed to make investing both accessible and affordable even for beginners.

Where Can I Invest My Money in Kenya? Ndovu’s Best Investment Options

1. Ndovu Money Market Funds (KES & USD MMF)

Ndovu offers two money market funds:

• A Kenyan‑shilling (KES) MMF known as the Ndovu Fund, which start investing in from as little as KES 500 and delivers competitive annual returns historically around 13.06% .

• A U.S.‑dollar denominated MMF, allowing Kenyans to hedge against currency depreciation while earning interest on USD capital from KES 7000.

Both funds invest in low‑risk instruments like Treasury Bills, government bonds, and commercial paper, providing liquidity, capital preservation, and simplicity.

2. Themed ETFs and Commodities

Ndovu enables access to curated Exchange‑Traded Funds (ETFs) that track compelling global themes:

• Gold ETF for inflation hedging and volatility protection

• S&P 500 ETF for diversified exposure to US large-cap companies

• “The Techie Fund” focusing on top tech players

• A Blockchain-themed ETF for exposure to crypto‑related firms .

These funds price themes like advanced tech, commodities, and global indices in easy-to-access baskets, helping investors diversify without owning individual stocks .

3. Fractional Shares of Global Tech Leaders

Through Ndovu, investors can buy fractional shares in high‑value global companies such as Meta, Nvidia, Apple, Tesla, Google, and Microsoft starting with as little as KES 1,000 . This democratizes access to high-growth equities, allowing anyone to build a global tech portfolio gradually.

4. Adding Treasury Bonds

Beyond Ndovu’s offerings, there's a strong case for Treasury Bonds directly from the Central Bank of Kenya (CBK). These are sovereign instruments often offering competitive yields (e.g. long‑term inflation‑indexed or infrastructure bonds). They’re secure, backed by the Kenyan government, and accessible via banks, pension funds, or brokers making them a foundational option for risk‑conscious investors.

Why These Options Matter for Kenyan Investors

• Accessibility: Ndovu eliminates high capital barriers by offering low investing minimums.

• Diversification: With MMFs, ETFs, fractional stocks, bonds, and commodities, investors can build resilient, multi‑asset portfolios.

• Liquidity & Control: Ndovu’s mobile‑first platform allows you to monitor, rebalance, and withdraw funds anytime.

• Hedging: USD MMFs and gold ETFs protect against local currency risks and inflation.

• Security & Regulation: Ndovu operates under CMA regulation, adheres to bank‑level security and safe custodial practices.

Final Thoughts

If you're asking, "Where can I invest my money in Kenya?", the answer is increasingly dynamic and empowering:

• Start small and safe with Ndovu’s KES MMF (Ndovu Fund) or USD MMF.

• Diversify and hedge using thematic ETFs (tech, commodities, S&P 500).

• Tap global growth affordably through fractional shares in Meta, Nvidia, and other tech giants.

• Anchor your portfolio with Kenyan treasury bonds for stability and predictable income.

By combining Ndovu’s accessible, modern tools with traditional Treasury instruments, Kenyans can craft thoughtful, balanced strategies aligned with both short-term needs and long-term wealth goals. Download the Ndovu app and start investing mart today

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.