Understanding Ndovu's Investment Options: Where to Invest Money to Get Returns.

Where to Invest Money to Get Returns in Kenya

When it comes to investing, choosing where to invest money to get returns can feel overwhelming—especially with so many products promising different types of returns and risks. Ndovu simplifies this process by offering a carefully selected range of investment options, tailored to suit beginners and seasoned investors. Whether your goal is to grow your wealth, protect your money, or generate passive income, here’s how to understand Ndovu’s investment offerings and pick what suits you best.

1. ETFs: A Diversified Approach to Growth

Exchange Traded Funds (ETFs) are one of the most powerful tools Ndovu offers. These are essentially bundles of multiple assets like stocks or bonds, offering exposure to an entire market segment or sector in a single investment. With ETFs, you don’t have to pick individual stocks—you invest in a broad portfolio that lowers your risk through diversification.

Who it's best for:

 ETFs are ideal for long-term investors who want steady growth and diversification. They're a great option if you're planning for retirement, a child’s education, or building generational wealth.

Ndovu advantage:

 You gain access to top-performing global ETFs like the S&P 500 that are not easily accessible through traditional Kenyan platforms.

2. Commodities: Hedge Against Inflation

Want to protect your wealth from inflation and currency depreciation? Ndovu offers exposure to key global commodities like gold, silver, oil, copper, and agriculture through ETFs. These assets often hold or increase in value when markets are volatile, making them a smart hedge during economic uncertainty.

Who it's best for:

 Investors looking to diversify beyond traditional equities or fixed income products. Commodities are ideal for mid-to-long-term investors with moderate risk tolerance.

Ndovu advantage:

Investing in commodities through Ndovu’s ETFs means no complex paperwork or manual processes. You get seamless access to global markets—like gold, oil, and agriculture—right from your phone. And if you ever need support, our licensed financial advisors and relationship managers are ready to guide you, making your investing journey informed and stress-free.

3. Ndovu Money Market Funds (MMFs): Safe, Liquid, and Reliable

Ndovu offers KES and USD Money Market Funds, perfect for investors who want safety, flexibility, and better returns than a savings account. MMFs pool investor funds and invest in low-risk, short-term instruments like government securities and high-quality corporate debt.

Who it’s best for:

 Anyone who needs liquidity or is saving for short-term goals like school fees, rent, travel, or an emergency fund.

Ndovu advantage:

 Start with as little as KES 500, track your growth daily, and withdraw anytime. The USD MMF is a great way to hedge against shilling depreciation if you’re saving in foreign currency.

4. Fractional Stocks: Own a Piece of Big Tech

Through Ndovu, you can buy fractional shares of major global companies like Apple, Amazon, Tesla, Meta, Nvidia, Coinbase, and Alphabet with KES 1000. This means you can start investing in these giants without needing hundreds of dollars for a single share.

Who it's best for:

 Young investors or those new to global stock markets who want a taste of high-growth opportunities with low entry barriers.

Ndovu advantage:

 You invest in the same companies shaping the future of tech and innovation like Nvidia and Meta without the need for a foreign brokerage account.

So, Which One Is Right for You?

Choosing the right option depends on your goals, timeline, and risk tolerance:

Goal	Recommended Option
Short-term savings	KES/USD Money Market Fund
Long-term growth	ETFs
Inflation protection	Commodities ETFs
Tech-focused growth	Fractional Stocks
Low risk + liquidity	MMFs

Final Thoughts

Ndovu takes the guesswork out of investing by providing a range of options that align with your financial goals. Whether you’re just starting out with KES 1,000 or have more capital to deploy, there’s a path for you. The best part? You can manage everything from one simple, mobile-first platform—with insights, education, and support every step of the way. Start investing with Ndovu today and take control of your financial future.

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.