Where to Invest Money to Get Good Returns in Kenya (2025)

If you're looking to invest your money, Kenya offers several reliable investment options that can deliver good returns, whether you're new or experienced, a cautious saver or a risk-tolerant investor. The key is to match your financial goals with the right investment vehicle.

Factors to Consider Before Investing

1. Risk tolerance

You should ask yourself, “How comfortable am I seeing my investment fluctuate in value?”Understanding your risk tolerance helps prevent panic-driven decisions and keeps your investment strategy aligned with your emotional resilience.

2. Investment Horizon

Your investment horizon is the period you expect to hold an investment before needing the funds, so you need to match your investment horizon with the right product to ensure you won't be forced to withdraw at a loss when markets dip temporarily.

3. Liquidity need

If you anticipate needing quick access to your funds, consider highly liquid investments. On the other hand, products like real estate investments or bonds have longer withdrawal timelines and may not be ideal for emergencies. Always keep part of your portfolio in a form you can access quickly in case things in life don’t go as planned.

4. Financial Goals

What are you investing for? Is it to grow wealth, save for education, build a retirement home, or preserve capital in a stable currency? Your goal will directly influence your investment strategy. By clearly defining your goals, you ensure your money works with you and not against your goals.

Top Options to Invest Money to Get Good Returns in Kenya

1. Digital investment platforms

Digital investment platforms have opened up new ways to earn. Ndovu allows users to start investing with as little as KES 500. We provide tools, products, and educational resources to help you invest confidently and securely.

2. Money Market Funds

This is one of the most popular and accessible options. It’s ideal for those who want to grow their savings safely while earning more than a traditional bank account. Some of the top MMFs in Kenya offer interests of about 8%–11% per year and are highly liquid, meaning you can access your money easily if needed, and you can start with as little as Ksh 500. An example is Ndovu, where we provide an annual return of 13.6%. 

3. SACCO Savings and Deposits

Savings and Credit Cooperative Organizations are another option that is gaining popularity. Saving with a SACCO, you not only earn interest or dividends but also gain access to affordable credit. Many SACCOs report returns of up to 10–12% annually. Ndovu offers the USD MMF, which allows you to save in U.S. dollars, helping you preserve value against currency fluctuations while earning stable returns. It’s ideal for savers who want low-risk, interest-bearing returns but with the convenience of accessing and managing their savings through a mobile app.

4. Real Estate 

Investing in rental property is a popular way to generate monthly income. With the right management and a good location, real estate can provide a steady source of income because of its consistent returns. Ndovu offers a product called Property Mogul, which allows you to invest in real estate without directly buying property. By investing, you can earn dividends from real estate investments with lower capital requirements and without the hassles of property management.

5. Treasury Bills and Bonds

Ndovu offers Safety Net, an ETF that invests in low-risk, high-quality US corporate bonds, government bonds, high-quality corporate bonds, and money market instruments. This ETF mirrors the security and income stability of treasury products, making it ideal for cautious investors who want their money to grow safely while remaining relatively accessible.

In conclusion, the best place to invest money to get good returns in Kenya depends on your financial goals, time horizon, and risk tolerance. A mix of low-risk and high-growth options is often the best way to build wealth sustainably.