{"version":"https://jsonfeed.org/version/1.1","title":"Stephen Ajulu","home_page_url":"https://ajulu.netlify.app/","feed_url":"https://ajulu.netlify.app/categories/investment/feed.json","description":"Hello, I'm Stephen Ajulu, a seasoned multidisciplinary tech professional with over a decade of experience. I build impactful solutions using design, tech, and engineering in the pursuit of impact.","icon":"https://ajulu.netlify.app/images/me.jpg","authors":[{"name":"Stephen Ajulu","url":"https://stephenajulu.com","avatar":"https://ajulu.netlify.app/images/me.jpg"}],"items":[{"id":"https://ajulu.netlify.app/posts/the-3-cryptocurrencies-you-should-definitely-invest-in/","url":"https://ajulu.netlify.app/posts/the-3-cryptocurrencies-you-should-definitely-invest-in/","title":"The 3 Cryptocurrencies You Should Definitely Invest In and More","summary":"Hi there, here are 3 cryptocurrencies I believe you should invest in right now before the end of 2021\nEthereum(ETH) With the advent of WEB 3.0 and Ethereum 2.0, Ethereum is set to become the most popular and most used cryptocurrency. Then there\u0026rsquo;s the Ethereum Naming Service. Look just own 0.01 of ETH. Please do. Ethereum is that crypto that has so much potential. It can be used for so many things. Most metaverse tokens are built on Ethereum. Most Defi tokens are built on Ethereum. This should tell you something about the coin. So just make an effort to own this. Even just 0.01 ETH. That\u0026rsquo;s enough.\n","content_html":"\u003cp\u003eHi there, here are 3 cryptocurrencies I believe you should invest in right now before the end of 2021\u003c/p\u003e\n\u003ch2 id=\"ethereumeth\"\u003eEthereum(ETH)\u003c/h2\u003e\n\u003cp\u003eWith the advent of \u003cstrong\u003eWEB 3.0\u003c/strong\u003e and \u003cstrong\u003eEthereum 2.0\u003c/strong\u003e, Ethereum is set to become the most popular and most used cryptocurrency. Then there\u0026rsquo;s the \u003cstrong\u003eEthereum Naming Service\u003c/strong\u003e. Look just own 0.01 of ETH. Please do. Ethereum is that crypto that has so much potential. It can be used for so many things. Most metaverse tokens are built on Ethereum. Most Defi tokens are built on Ethereum. This should tell you something about the coin. So just make an effort to own this. Even just 0.01 ETH. That\u0026rsquo;s enough.\u003c/p\u003e\n\u003ch2 id=\"bitcoinbtc\"\u003eBitcoin(BTC)\u003c/h2\u003e\n\u003cp\u003eBitcoin is the biggest crypto right now and it still has the potential to grow. Buy it now and forget about it.\u003c/p\u003e\n\u003ch2 id=\"metaverse-index-tokenmvi\"\u003eMetaverse Index Token(MVI)\u003c/h2\u003e\n\u003cp\u003eThe metaverse is hyped right now. I believe it\u0026rsquo;s going to continue to grow. Buy this and you should be good.\u003c/p\u003e\n\u003cp\u003eOthers to include that have potential: Dogecoin, Solana, Decentraland, Binance Coin, Uniswap, Binance USD, and Shiba Inu\u003c/p\u003e\n\u003cp\u003eNB: This article is not financial advice. Do your research. I recommend you start with Web 3.0, Metaverse, and Defi.\u003c/p\u003e\n\u003cp\u003eTo finalize, if you’d like to invest in the aforementioned cryptocurrencies then invest with Binance and get 5%: \u003ca href=\"https://www.jadeblack.co/?ref=kuzqn53jomp-\"\u003e\u003cstrong\u003eBuy and Trade Crypto With The Best Exchange: Binance\u003c/strong\u003e\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003eHave a great day everyone!\u003c/p\u003e\n\u003cp\u003ePhoto by \u003ca href=\"https://unsplash.com/@executium?utm_source=unsplash\u0026amp;utm_medium=referral\u0026amp;utm_content=creditCopyText\"\u003eExecutium\u003c/a\u003e on \u003ca href=\"https://unsplash.com/?utm_source=unsplash\u0026amp;utm_medium=referral\u0026amp;utm_content=creditCopyText\"\u003eUnsplash\u003c/a\u003e\u003c/p\u003e\n","date_published":"2021-11-20T14:36:00+03:00","image":"https://ajulu.netlify.app/images/executium-ltazfutkcl8-unsplash.jpg","tags":["investment","investments","cryptocurrencies","crypto","cryptocurrency","ethereum","eth","btc","bitcoin","metaverse","metaverse index token","mvi","defi","web 3.0","ethereum naming service","defi","decentralized finance"]},{"id":"https://ajulu.netlify.app/posts/my-investment-strategy/","url":"https://ajulu.netlify.app/posts/my-investment-strategy/","title":"My Investment Strategy","summary":"Here\u0026rsquo;s my simple investment strategy\nBlue Chip Stocks: 20% Other Stocks + Remaining NSE 25 Share Index: 15% Mutual Funds: 30% Cryptocurrencies: 30% Others(REITS and additional): 5% I currently don\u0026rsquo;t own any real estate investments aside from Stanlib Fahari I-REIT but I\u0026rsquo;ll soon start investing directly in Real Estate which would total up to 35% I\u0026rsquo;d then use mutual funds for savings instead of investing.\nI\u0026rsquo;m also looking forward to buying Ugandan and American stocks soon, so index funds will be joining the list in which I\u0026rsquo;ll allocate 20% and then move a few of the others down.\n","content_html":"\u003cp\u003eHere\u0026rsquo;s my simple investment strategy\u003c/p\u003e\n\u003ch2 id=\"blue-chip-stocks-20\"\u003eBlue Chip Stocks: 20%\u003c/h2\u003e\n\u003ch2 id=\"other-stocks--remaining-nse-25-share-index-15\"\u003eOther Stocks + Remaining NSE 25 Share Index: 15%\u003c/h2\u003e\n\u003ch2 id=\"mutual-funds-30\"\u003eMutual Funds: 30%\u003c/h2\u003e\n\u003ch2 id=\"cryptocurrencies-30\"\u003eCryptocurrencies: 30%\u003c/h2\u003e\n\u003ch2 id=\"othersreits-and-additional-5\"\u003eOthers(REITS and additional): 5%\u003c/h2\u003e\n\u003cp\u003eI currently don\u0026rsquo;t own any real estate investments aside from Stanlib Fahari I-REIT but I\u0026rsquo;ll soon start investing directly in Real Estate which would total up to 35% I\u0026rsquo;d then use mutual funds for savings instead of investing.\u003c/p\u003e\n\u003cp\u003eI\u0026rsquo;m also looking forward to buying Ugandan and American stocks soon, so index funds will be joining the list in which I\u0026rsquo;ll allocate 20% and then move a few of the others down.\u003c/p\u003e\n\u003cp\u003eAside from these, I am planning to buy ETFs like the ABSA NewGold ETF and more.\u003c/p\u003e\n\u003cp\u003eI am very interested in the crypto market so that percentage isn\u0026rsquo;t likely to change anytime soon. The reason for this is as I mention in my previous post which I\u0026rsquo;ll link down below. Crypto has been my \u0026ldquo;\u003cstrong\u003egolden goose\u003c/strong\u003e\u0026rdquo; out of all my investments crypto has brought me the \u003cstrong\u003ehighest returns on investment\u003c/strong\u003e and as such I will stick with it for a while. To top this off the crypto market is still growing. Then there are the \u003cstrong\u003emetaverse crypto tokens\u003c/strong\u003e that are growing as well. So I believe crypto will remain my golden goose unless something else brings in more.\u003c/p\u003e\n\u003cp\u003eI\u0026rsquo;d like to make myself clear, every investment listed above aside from Mutual Funds will be held long-term for ATLEAST 6 months and ATMOST 30 years.\u003c/p\u003e\n\u003cp\u003eMutual funds act as lifesaver jackets for me, as long as nothing \u0026ldquo;life-threatening\u0026rdquo; comes my way, then I am likely to hold them for the same period 6 months to 30 years.\u003c/p\u003e\n\u003cp\u003eEverything above is subject to change depending on my research and findings. Always research your preferred investments.\u003c/p\u003e\n\u003cp\u003eI\u0026rsquo;ll link all the posts I believe can help you make your own investment strategy down below. I\u0026rsquo;d love to hear more about your investment strategy and portfolio down below in the comments. So please feel free to share.\u003c/p\u003e\n\u003cp\u003eI use \u003cstrong\u003eGenghis Capital\u003c/strong\u003e for Kenyan Stocks(They also have a money market mutual fund), \u003cstrong\u003eEquity\u003c/strong\u003e for Ugandan Stocks, and \u003cstrong\u003eBinance\u003c/strong\u003e for Cryptocurrencies. I am slightly dissatisfied with Genghis but it\u0026rsquo;s a great company and they provide free market research as well as recommendations. Use \u003ca href=\"https://accounts.binance.com/en/register?ref=CL2JFAB6\"\u003e\u003cstrong\u003ethis link to register with Binance\u003c/strong\u003e\u003c/a\u003e\u003cstrong\u003e,\u003c/strong\u003e to use Genghis, just download their app from the \u003ca href=\"http://bit.ly/GKuzeAndroid\"\u003e\u003cstrong\u003eGoogle Playstore\u003c/strong\u003e\u003c/a\u003e or \u003ca href=\"http://bit.ly/GKuzeIOS\"\u003e\u003cstrong\u003eApple Store\u003c/strong\u003e\u003c/a\u003e and register. They have made it that simple. As for Ugandan Stocks use \u003ca href=\"https://scd.use.or.ug/\"\u003e\u003cstrong\u003etheir online portal.\u003c/strong\u003e\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003eNote: I haven\u0026rsquo;t listed savings, retirement funds, life insurance, and the likes, simply because they don\u0026rsquo;t belong in this category. If you\u0026rsquo;d like me to talk about them kindly comment down below.\u003c/p\u003e\n\u003cp\u003eMy plan is to live solely on investments.\u003c/p\u003e\n\u003cp\u003eThat\u0026rsquo;s it for today.\u003c/p\u003e\n\u003cp\u003eHope you have a great one!\u003c/p\u003e\n\u003cp\u003eQuote of today\u003c/p\u003e\n\u003cblockquote\u003e\n\u003cp\u003eSaving is puting your money to rest, investing is making your money work for you even while you are asleep\u003c/p\u003e\n\u003c/blockquote\u003e\n\u003ch5 id=\"additional-resources\"\u003eAdditional Resources\u003c/h5\u003e\n\n\u003ch5 class=\"additionalreading\"\u003eAlso Read: \u003ca href=\"\"\u003e\u003c/a\u003e\u003c/h5\u003e\n\n\n\n\n\n\n\n\n\u003ch5 class=\"additionalreading\"\u003eAlso Read: \u003ca href=\"\"\u003e\u003c/a\u003e\u003c/h5\u003e\n\n\n\n\n\n\n\n\n\u003ch5 class=\"additionalreading\"\u003eAlso Read: \u003ca href=\"\"\u003e\u003c/a\u003e\u003c/h5\u003e\n\n\n\n\n\n\n\n\n\u003ch5 class=\"additionalreading\"\u003eAlso Read: \u003ca href=\"\"\u003e\u003c/a\u003e\u003c/h5\u003e\n\n\n\n\n\n\n\n","date_published":"2021-11-13T12:24:00+03:00","image":"https://ajulu.netlify.app/images/adeolu-eletu-unrkg2jh1j0-unsplash.jpg","tags":["investments","investment","investment strategy","cryptocurrencies","stocks","shares","mutual funds","money market funds","real estate","real estate investment trust"]},{"id":"https://ajulu.netlify.app/posts/my-investment-portfolio/","url":"https://ajulu.netlify.app/posts/my-investment-portfolio/","title":"My Investment Portfolio","summary":"Hi, how are you?\nToday I\u0026rsquo;ll be revealing my investment portfolio in a bid to encourage young people in their teens, twenties, and thirties to invest.\nStarting up with stocks, mutual funds, crypto, and finally, my future \u0026ldquo;to invest in\u0026rdquo; list.\nStock Portfolio Market Value: Ksh. 6,988\nTotal Cost: Ksh. 6,600\nProfit/Loss: +358\nStocks: ABSA Bank, Britam, East African Cables, CIC Insurance, Co-operative Bank, Stanlib Fahari I-REIT, Sameer Africa, HF Group, KenGen, Kenya Re, Kenya Power, Scangroup, TransCentury, Uchumi, and Liberty Holdings.\n","content_html":"\u003cp\u003eHi, how are you?\u003c/p\u003e\n\u003cp\u003eToday I\u0026rsquo;ll be revealing my investment portfolio in a bid to encourage young people in their teens, twenties, and thirties to invest.\u003c/p\u003e\n\u003cp\u003eStarting up with stocks, mutual funds, crypto, and finally, my future \u0026ldquo;to invest in\u0026rdquo; list.\u003c/p\u003e\n\u003ch3 id=\"stock-portfolio\"\u003eStock Portfolio\u003c/h3\u003e\n\u003cp\u003e\u003cstrong\u003eMarket Value\u003c/strong\u003e: Ksh. 6,988\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eTotal Cost\u003c/strong\u003e: Ksh. 6,600\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eProfit/Loss\u003c/strong\u003e: +358\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eStocks\u003c/strong\u003e: ABSA Bank, Britam, East African Cables, CIC Insurance, Co-operative Bank, Stanlib Fahari I-REIT, Sameer Africa, HF Group, KenGen, Kenya Re, Kenya Power, Scangroup, TransCentury, Uchumi, and Liberty Holdings.\u003c/p\u003e\n\u003ch3 id=\"mutual-funds\"\u003eMutual Funds\u003c/h3\u003e\n\u003cp\u003e\u003cstrong\u003eValue:\u003c/strong\u003e Ksh. 17,404\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eCost:\u003c/strong\u003e Ksh. 16,000\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eProfit/Loss:\u003c/strong\u003e +404\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eGenCap Hela Imara Fund\u003c/strong\u003e: Ksh. 6,250\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eCytonn Money Market Fund\u003c/strong\u003e: Ksh. 11,154\u003c/p\u003e\n\u003ch3 id=\"cryptocurrency-portfolio\"\u003eCryptocurrency Portfolio\u003c/h3\u003e\n\u003cp\u003e\u003cstrong\u003eMarket Value\u003c/strong\u003e: Ksh. 14, 661.16\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eTotal Cost\u003c/strong\u003e: Ksh. 6,400\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eProfit/Loss\u003c/strong\u003e: +8,261.16\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eCryptocurrencies\u003c/strong\u003e: Binance Coin, Ethereum, Bitcoin, Shiba Inu, Cardano, Dogecoin, Mines of Dalarnia, Manchester City Fan Token, Basic Attention Token, and Binance USD\u003c/p\u003e\n\u003ch4 id=\"total-cost-ksh-29000\"\u003eTotal Cost: Ksh. 29,000\u003c/h4\u003e\n\u003ch4 id=\"profit-9029\"\u003eProfit: +9,029\u003c/h4\u003e\n\u003ch4 id=\"time-frame-7-months\"\u003eTime Frame: 7 Months\u003c/h4\u003e\n\u003ch3 id=\"my-to-invest-in-list\"\u003eMy \u0026ldquo;To Invest In\u0026rdquo; List\u003c/h3\u003e\n\u003cp\u003e\u003cstrong\u003eStocks\u003c/strong\u003e: MTN Uganda, Safaricom, Equity Bank, Kenya Commercial Bank, B.O.C, Kenya, Centum, Total Energies, NSE, The Remaining NSE 25 Share Index, Vanguard 500 Index Fund(US), ABSA NewGold ETF, Facebook/Meta(US), Google/Alphabet(US),  and Tesla(US)\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eCryptocurrencies\u003c/strong\u003e: More Ethereum, Decentraland, Axie Infinity, Enjin Coin, Metaverse Index Token, Chainlink, Loopring, Polkadot, Solana, Polygon/Mantic, Illuvium, and Veechain\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eOthers\u003c/strong\u003e: Bonds, Bills, Vuka(From Qwetu), and Real Estate\u003c/p\u003e\n","date_published":"2021-11-12T10:40:00+03:00","image":"https://ajulu.netlify.app/images/invest.jpg","tags":["invest","investment","crypto","stocks","investments","cryptocurrencies","stock","shares","share","binance","portfolio","investment portfolio"]},{"id":"https://ajulu.netlify.app/posts/how-to-build-wealth-in-your-teens-and-20s/","url":"https://ajulu.netlify.app/posts/how-to-build-wealth-in-your-teens-and-20s/","title":"How To Build Wealth in Your Teens and 20s(Updated)","summary":"Here\u0026rsquo;s how you can build wealth in your teens and 20s.\n1. Live below your means Never before has there been such a rise in self-comparison especially with the invention of Instagram. But forget that for a second. Remember 50% of those people you see flaunting money and living in luxury are in debt and are using loans to keep the facade.\nEmbrace minimalism and essentialism. Live below your means. Don\u0026rsquo;t focus on how people view you, focus on yourself. I can assure you 70% out of the 50% are living miserably and in debt. They are depressed and sometimes desire to commit suicide.\n","content_html":"\u003cp\u003eHere\u0026rsquo;s how you can build wealth in your teens and 20s.\u003c/p\u003e\n\u003ch3 id=\"1-live-below-your-means\"\u003e1. Live below your means\u003c/h3\u003e\n\u003cp\u003eNever before has there been such a rise in self-comparison especially with the invention of Instagram. But forget that for a second. Remember 50% of those people you see flaunting money and living in luxury are in debt and are using loans to keep the facade.\u003c/p\u003e\n\u003cp\u003eEmbrace minimalism and essentialism. Live below your means. Don\u0026rsquo;t focus on how people view you, focus on yourself. I can assure you 70% out of the 50% are living miserably and in debt. They are depressed and sometimes desire to commit suicide.\u003c/p\u003e\n\u003cp\u003eLive below your means. Here\u0026rsquo;s how you know you are living below your means.\u003c/p\u003e\n\u003cp\u003eYou retain close to 30% of your monthly income after all the deductions including water, rent, food, and other bills.\u003c/p\u003e\n\u003ch3 id=\"2-create-an-emergency-fund\"\u003e2. Create an emergency fund\u003c/h3\u003e\n\u003cp\u003eAn emergency fund usually entails saving up money capable of taking you 3 to 12 months with zero income.\u003c/p\u003e\n\u003cp\u003eYou create an emergency fund by adding up all the bills you need to foot including rent, food, waste, and transport, then adding the occasional self-treatment/payment/enjoyment/leisure, then adding up medical costs/insurance, and finally adding up 20% of the aforementioned additions times 3 or 6 or 12.\u003c/p\u003e\n\u003cp\u003eBasically, an emergency fund is a fund capable of keeping you alive and healthy for 3 to 12 months. This means food, rent, bills(internet, electricity, waste, water, health, car, among others) times 3 months or 6 months or 12 months. The further the better.\u003c/p\u003e\n\u003cp\u003eMine comes up to Ksh. 40,000 or 400 USD per month, now times 6 = Ksh. 240,000 or 2400 USD. Don\u0026rsquo;t get extravagant because you\u0026rsquo;ll need to save up the amount you end up with. Remember BASICS and 20% of the basics(for leisure).\u003c/p\u003e\n\u003ch3 id=\"3-manage-debt\"\u003e3. Manage debt\u003c/h3\u003e\n\u003cp\u003eNot all debt is created equal, there\u0026rsquo;s good debt and bad debt. Find the difference and manage it. If you can eliminate all debt. The top 10% know how to use debt to create income. Make sure the income is 3x higher than the debt to prevent issues.\u003c/p\u003e\n\u003ch3 id=\"4-invest\"\u003e4. Invest\u003c/h3\u003e\n\u003cp\u003eInvest immediately you get your income. I\u0026rsquo;d suggest you invest in index funds if you live in the US and other first-world countries.\u003c/p\u003e\n\u003cp\u003eGenerally, I suggest you invest in stocks, cryptocurrencies, mutual funds, unit trusts, ETFs, NFTs, and others. Rule of thumb: Invest 30%(50% is great) of your income, if you can invest more, do it. Working on an ebook that will teach you more ways to invest and even simplify investing.\u003c/p\u003e\n\n\u003ch5 class=\"additionalreading\"\u003eAlso Read: \u003ca href=\"\"\u003e\u003c/a\u003e\u003c/h5\u003e\n\n\n\n\n\n\n\n\u003ch3 id=\"5-get-a-job-or-build-a-business\"\u003e5. Get a job or build a business\u003c/h3\u003e\n\u003cp\u003eThis is a no-brainer. Apply to jobs or build a business, even better: do both. You need as much money as possible. Don\u0026rsquo;t be afraid to do \u0026ldquo;low caliber\u0026rdquo; jobs. If you can do multiple small jobs without burning out or experiencing degrading health, do it.\u003c/p\u003e\n\u003ch3 id=\"6-create-multiple-streams-of-income\"\u003e6. Create multiple streams of income\u003c/h3\u003e\n\u003cp\u003eThis is very important. Find ways you can build multiple streams of income e.g you can write articles even as you build your business or do your job. This will eventually grow into something that makes money for you while you sleep.\u003c/p\u003e\n\u003cp\u003eThe creative economy is a great thing, research and create products then sell them on platforms like Gumroad or Podia. You can also productize your service and sell them.\u003c/p\u003e\n\u003ch3 id=\"7-stay-healthy\"\u003e7. Stay healthy\u003c/h3\u003e\n\u003cp\u003eBy staying healthy you keep yourself from getting sick and having to use the money to pay for bills. But that\u0026rsquo;s not the only thing that it will help with. You will also be in better shape to earn more money and build wealth. Also, consider investing in medical insurance. Find a good one, research the pros and cons before settling.\u003c/p\u003e\n\u003cp\u003eSee a previous post on how you can become healthy.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eRemember: Low/NO Sugar, No Soy, Moderate Sodium, High Fat, Low Carbs, More Veggies, More Meat, More Water, More Fiber, Fewer Fruits, More Eggs and Less Frequently(One Meal A Day, One And A Half Meals A Day, Intermittent Fasting, Autophagy\u003c/strong\u003e)\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eAlso Remember More Sun, More Fermented Foods, More Movement/Exercise.\u003c/strong\u003e\u003c/p\u003e\n\n\u003ch5 class=\"additionalreading\"\u003eAlso Read: \u003ca href=\"\"\u003e\u003c/a\u003e\u003c/h5\u003e\n\n\n\n\n\n\n\n\u003ch3 id=\"8-learn--build-your-skills\"\u003e8. Learn \u0026amp; build your skills\u003c/h3\u003e\n\u003cp\u003eBuilding skills makes you high value, which means you become twice as likely to be hired every time you learn a new skill or master an old one. The same is true for business, the more skills you learn the more likely you are to attract potential clients.\u003c/p\u003e\n\n\u003ch5 class=\"additionalreading\"\u003eAlso Read: \u003ca href=\"\"\u003e\u003c/a\u003e\u003c/h5\u003e\n\n\n\n\n\n\n\n\u003cp\u003eI\u0026rsquo;d suggest signing up for Skillshare, use this link to get 1 free premium month worth of content: \u003ca href=\"https://skl.sh/3wxbE9O\" title=\"https://skl.sh/3wxbE9O\"\u003ehttps://skl.sh/3wxbE9O\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003eI\u0026rsquo;m currently learning\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eFinancial Literacy\u003c/li\u003e\n\u003cli\u003eWeb Design with Figma and Webflow\u003c/li\u003e\n\u003cli\u003eCopywriting\u003c/li\u003e\n\u003cli\u003eFacebook ADS\u003c/li\u003e\n\u003cli\u003eGraphic Design\u003c/li\u003e\n\u003cli\u003ePython\u003c/li\u003e\n\u003cli\u003eRuby on Rails\u003c/li\u003e\n\u003cli\u003eGolang\u003c/li\u003e\n\u003cli\u003eWeb Development\u003c/li\u003e\n\u003c/ul\u003e\n\u003ch3 id=\"9-start-a-retirement-fund\"\u003e9. Start a retirement fund\u003c/h3\u003e\n\u003cp\u003eI know, I know, you are in your teens and twenties, you think you are still young. But trust me, if you want to build wealth, start a retirement fund. Try Roth IRA, 401k, you could also ask your bank if they offer retirement accounts or go with your country\u0026rsquo;s retirement fund. But make sure you get the most bang for your buck. Requirements for a good retirement fund: 1. The company is regulated and was founded 10 years ago or later 2. The rates are very good(you\u0026rsquo;ll need to research multiple funds to know if the rate of the one you choose is great) 3. Can be hooked up to your bank of choice, employer and supports manual payments(not primary) - Basically, you need to have an automatic payment system in place where money is automatically deposited into the funds but allows you to top up.\u003c/p\u003e\n\u003ch3 id=\"10-stop-gambling\"\u003e10. Stop gambling\u003c/h3\u003e\n\u003cp\u003eGambling is a bad habit and could cost you everything.\u003c/p\u003e\n\u003ch3 id=\"11-take-responsibility-for-your-life-and-finances\"\u003e11. Take responsibility for your life and finances\u003c/h3\u003e\n\u003cp\u003eThat\u0026rsquo;s the end of this post.\u003c/p\u003e\n\u003cp\u003eTo all who take the initiative to put the above into action, \u0026ldquo;\u003cstrong\u003eGreatness is coming!\u003c/strong\u003e\u0026rdquo;.\u003c/p\u003e\n\u003cp\u003eMore ways will be explained in my ebook: \u0026ldquo;How to Invest and Build Wealth\u0026rdquo;. I still don\u0026rsquo;t have a date but my newsletter subscribers will be among the first to be notified together with a 50% coupon code.\u003c/p\u003e\n\u003cp\u003eSubscribe to my newsletter down below.\u003c/p\u003e\n\u003cp\u003eSee you soon.\u003c/p\u003e\n","date_published":"2021-09-02T12:07:00+03:00","image":"https://ajulu.netlify.app/images/morgan-housel-pcdggex9-ja-unsplash.jpg","tags":["wealth","investment","finance"]},{"id":"https://ajulu.netlify.app/posts/25-kenyan-shares-you-should-own-nse/","url":"https://ajulu.netlify.app/posts/25-kenyan-shares-you-should-own-nse/","title":"25 Kenyan Shares You Should Own(NSE)","summary":"Reminder: Stock trading is simple and affordable. Take a look at my other articles to get started.\nBanking Sector Absa Bank Kenya Plc Stanbic Holdings Plc Diamond Trust Bank Kenya Ltd Equity Group Holdings Plc I\u0026amp;M Holdings Plc KCB Group Plc NCBA Group Plc Standard Chartered Bank Kenya Ltd The Co-operative Bank of Kenya Ltd Commercial and Services Sector Nation Media Group Plc WPP Scangroup Plc Construction and Allied Sector Bamburi Cement Ltd Energy and Petroleum Sector KenGen Co. Plc Total Kenya Ltd Kenya Power \u0026amp; Lighting Co Ltd Insurance Sector Britam Holdings Plc CIC Insurance Group Ltd Kenya Re-Insurance Corporation Ltd Liberty Kenya Holdings Ltd Jubilee Insurance Investment Sector Centum Investment Co Plc Investment Services Sector Nairobi Securities Exchange Plc Manufacturing and Allied Sector British American Tobacco Kenya Plc East African Breweries Ltd Telecommunication Sector Safaricom Plc ","content_html":"\u003cp\u003e\u003cstrong\u003eReminder:\u003c/strong\u003e Stock trading is simple and affordable. Take a look at my other articles to get started.\u003c/p\u003e\n\u003ch2 id=\"banking-sector\"\u003e\u003cstrong\u003eBanking Sector\u003c/strong\u003e\u003c/h2\u003e\n\u003col\u003e\n\u003cli\u003eAbsa Bank Kenya Plc\u003c/li\u003e\n\u003cli\u003eStanbic Holdings Plc\u003c/li\u003e\n\u003cli\u003eDiamond Trust Bank Kenya Ltd\u003c/li\u003e\n\u003cli\u003eEquity Group Holdings Plc\u003c/li\u003e\n\u003cli\u003eI\u0026amp;M Holdings Plc\u003c/li\u003e\n\u003cli\u003eKCB Group Plc\u003c/li\u003e\n\u003cli\u003eNCBA Group Plc\u003c/li\u003e\n\u003cli\u003eStandard Chartered Bank Kenya Ltd\u003c/li\u003e\n\u003cli\u003eThe Co-operative Bank of Kenya Ltd\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch2 id=\"commercial-and-services-sector\"\u003e\u003cstrong\u003eCommercial and Services Sector\u003c/strong\u003e\u003c/h2\u003e\n\u003col\u003e\n\u003cli\u003eNation Media Group Plc\u003c/li\u003e\n\u003cli\u003eWPP Scangroup Plc\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch2 id=\"construction-and-allied-sector\"\u003e\u003cstrong\u003eConstruction and Allied Sector\u003c/strong\u003e\u003c/h2\u003e\n\u003col\u003e\n\u003cli\u003eBamburi Cement Ltd\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch2 id=\"energy-and-petroleum-sector\"\u003e\u003cstrong\u003eEnergy and Petroleum Sector\u003c/strong\u003e\u003c/h2\u003e\n\u003col\u003e\n\u003cli\u003eKenGen Co. Plc\u003c/li\u003e\n\u003cli\u003eTotal Kenya Ltd\u003c/li\u003e\n\u003cli\u003eKenya Power \u0026amp; Lighting Co Ltd\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch2 id=\"insurance-sector\"\u003e\u003cstrong\u003eInsurance Sector\u003c/strong\u003e\u003c/h2\u003e\n\u003col\u003e\n\u003cli\u003eBritam Holdings Plc\u003c/li\u003e\n\u003cli\u003eCIC Insurance Group Ltd\u003c/li\u003e\n\u003cli\u003eKenya Re-Insurance Corporation Ltd\u003c/li\u003e\n\u003cli\u003eLiberty Kenya Holdings Ltd\u003c/li\u003e\n\u003cli\u003eJubilee Insurance\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch2 id=\"investment-sector\"\u003e\u003cstrong\u003eInvestment Sector\u003c/strong\u003e\u003c/h2\u003e\n\u003col\u003e\n\u003cli\u003eCentum Investment Co Plc\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch2 id=\"investment-services-sector\"\u003e\u003cstrong\u003eInvestment Services Sector\u003c/strong\u003e\u003c/h2\u003e\n\u003col\u003e\n\u003cli\u003eNairobi Securities Exchange Plc\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch2 id=\"manufacturing-and-allied-sector\"\u003e\u003cstrong\u003eManufacturing and Allied Sector\u003c/strong\u003e\u003c/h2\u003e\n\u003col\u003e\n\u003cli\u003eBritish American Tobacco Kenya Plc\u003c/li\u003e\n\u003cli\u003eEast African Breweries Ltd\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch2 id=\"telecommunication-sector\"\u003e\u003cstrong\u003eTelecommunication Sector\u003c/strong\u003e\u003c/h2\u003e\n\u003col\u003e\n\u003cli\u003eSafaricom Plc\u003c/li\u003e\n\u003c/ol\u003e\n","date_published":"2021-07-31T16:18:00+03:00","image":"https://ajulu.netlify.app/images/ishant-mishra-uxejdx4sqde-unsplash.jpg","tags":["investment","stocks","shares"]}]}