{"version":"https://jsonfeed.org/version/1.1","title":"Stephen Ajulu","home_page_url":"https://ajulu.netlify.app/","feed_url":"https://ajulu.netlify.app/tags/investing-kenya/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/best-cryptocurrencies-to-invest-in-2021/","url":"https://ajulu.netlify.app/posts/best-cryptocurrencies-to-invest-in-2021/","title":"Best Cryptocurrencies to Invest in 2021","summary":"Hi everyone, so today, I\u0026rsquo;d like to talk about Crypto. In this post, I\u0026rsquo;ll cover 5 cryptocurrencies that I think you should invest in if you are starting out.\n1. Bitcoin(BTC) 2. Ethereum(ETH) 3. Dogecoin(DOGE) 4. TetherUS(USDT) 5. Ripple(XRP) Go check them out, especially with Dogecoin. Implement the HODL technique. This drop and rise so don\u0026rsquo;t be afraid and only invest money you don\u0026rsquo;t mind losing.\nTo buy these I suggest you try Binance using this link, you\u0026rsquo;ll get 5%: Binance\n","content_html":"\u003cp\u003eHi everyone, so today, I\u0026rsquo;d like to talk about Crypto. In this post, I\u0026rsquo;ll cover 5 cryptocurrencies that I think you should invest in if you are starting out.\u003c/p\u003e\n\u003ch2 id=\"1-bitcoinbtc\"\u003e1. Bitcoin(BTC)\u003c/h2\u003e\n\u003ch2 id=\"2-ethereumeth\"\u003e2. Ethereum(ETH)\u003c/h2\u003e\n\u003ch2 id=\"3-dogecoindoge\"\u003e3. Dogecoin(DOGE)\u003c/h2\u003e\n\u003ch2 id=\"4-tetherususdt\"\u003e4. TetherUS(USDT)\u003c/h2\u003e\n\u003ch2 id=\"5-ripplexrp\"\u003e5. Ripple(XRP)\u003c/h2\u003e\n\u003cp\u003eGo check them out, especially with Dogecoin. Implement the HODL technique. This drop and rise so don\u0026rsquo;t be afraid and only invest money you don\u0026rsquo;t mind losing.\u003c/p\u003e\n\u003cp\u003eTo buy these I suggest you try Binance using this link, you\u0026rsquo;ll get \u003cstrong\u003e5%:\u003c/strong\u003e \u003ca href=\"https://accounts.binance.com/en/register?ref=CL2JFAB6\"\u003e\u003cstrong\u003eBinance\u003c/strong\u003e\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003eSee you next time. Stay safe!\u003c/p\u003e\n\u003cp\u003e\u003ca href=\"https://unstoppabledomains.com/?ref=d066811aa8ea4f2\"\u003e\u003cimg src=\"/images/unstoppabledomainsad.webp\" style=\"width: 100%; height: auto;\"\u003e\u003c/a\u003e\u003c/p\u003e\n","date_published":"2021-04-20T06:45:00Z","image":"https://ajulu.netlify.app/images/cryptocurrencies.jpg","tags":["investment","investing","finance","investing kenya","getting stated","cryptocurrencies","crypto","cryptocurrency","dogecoin","dogecoin to the moon","dogecoin","bitcoin","ethereum","tetherus","dogecoin 420","doge","btc","xrp","ripple","eth"]},{"id":"https://ajulu.netlify.app/posts/how-to-get-started-investing/","url":"https://ajulu.netlify.app/posts/how-to-get-started-investing/","title":"How To Invest","summary":"Hey there? Today I\u0026rsquo;ll show you how to get started investing.\nDisclaimer: I am not a financial expert, down below is purely my opinion.\n1. Money Market Funds Low Risk A money market fund mainly invests in short-term debt securities with high credit quality such as treasury bills and commercial paper. This fund is ideal for the conservative low-risk investor who leans towards stability and security for capital invested. Interest is calculated on a daily basis, and credited to the client\u0026rsquo;s account net of costs.\n","content_html":"\u003cp\u003eHey there? Today I\u0026rsquo;ll show you how to get started investing.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eDisclaimer: I am not a financial expert, down below is purely my opinion.\u003c/strong\u003e\u003c/p\u003e\n\u003ch3 id=\"1-money-market-funds-low-risk\"\u003e1. Money Market Funds \u003csup\u003eLow Risk\u003c/sup\u003e\u003c/h3\u003e\n\u003cp\u003eA money market fund mainly invests in short-term debt securities with high credit quality such as treasury bills and commercial paper. This fund is ideal for the conservative low-risk investor who leans towards stability and security for capital invested. Interest is calculated on a daily basis, and credited to the client\u0026rsquo;s account net of costs.\u003c/p\u003e\n\u003cp\u003eFor example Cytonn\u0026rsquo;s money market fund can go up to 11% depending with the market.\u003c/p\u003e\n\u003cp\u003eCurrently there are more than 8 Money Market Funds in Kenya.\u003c/p\u003e\n\u003cp\u003eHere are the ones I know about.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e\u003ca href=\"https://cytonn.com/asset-managers/money-market-fund\"\u003eCytonn Money Market Fund\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"https://invest.icealion.com/learnMore\"\u003eIcea Lion DigiTrust\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"https://ke.britam.com/invest/personal/grow-your-wealth/money-market-fund\"\u003eBritam Money Market Fund\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"https://cic.co.ke/product/cic-money-market-fund/\"\u003eCIC Group Money Market Fund\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"https://www.genghis-capital.com/services/unit-trust-funds/\"\u003eGenCapHela Imara Money Market Fund\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"https://www.uapoldmutual.com/h/investment-solutions/solution/money-market-fund\"\u003eUAPOld Mutual Money Market Fund\u003c/a\u003e\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch3 id=\"2-real-estate--land-moderate-risk\"\u003e2. Real Estate \u0026amp; Land \u003csup\u003eModerate Risk\u003c/sup\u003e\u003c/h3\u003e\n\u003cp\u003eReal Estate \u0026amp; Land is mainly the buying, selling or renting of real estate or land. Land and Real Estate are assets known to appreciate in value and one of the contributing factors to this, is that the world is running out of land and land prices keep increasing because of it\u0026rsquo;s demand. Real Estate on the other hand is important as well. Investing in this usually means you are buying a piece of land or housing then wait for it to appreciate in value and then sell or rent it. Many have devised a ploy where they rent land then rent it to other people and they deduct their profits while paying the rest to the official landlord.\u003c/p\u003e\n\u003cp\u003eReal Estate is a moderate risk high return investment, which means before attempting to invest in this. Lay aside an emergency fund as prices depreciate too. Take a look at this season we are in, it\u0026rsquo;s prime season for those looking for housing or land but not so good to the sellers.\u003c/p\u003e\n\u003cp\u003eI know of only 3 way of investing in land and that is through\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e\u003ca href=\"https://sic.co.ke/\"\u003eSafaricom Investment Cooperative\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"https://www.cytonn.com/real-estate\"\u003eCytonn Real Estate\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003eStanlib Fahari - Stanlib Fahari I-REIT is Kenya’s first Real Estate Investment Trust (REIT) providing investors with a steady income stream and capital growth. The fund invests at least 75% of its Total Asset Value (TAV) in real estate in strategic locations in Kenya. A maximum of 25% of its TAV is invested in cash investments and cash-like instruments.\u003c/li\u003e\n\u003c/ol\u003e\n\u003c!--adsense--\u003e\n\u003ch3 id=\"3-shares-moderate-risk\"\u003e3. Shares \u003csup\u003eModerate Risk\u003c/sup\u003e\u003c/h3\u003e\n\u003cp\u003eI talk about this here: \u003ca href=\"https://ajulusthoughts.stephenajulu.com/post/how-to-buy-your-first-share/\"\u003eHow To Buy Your First Share\u003c/a\u003e\u003c/p\u003e\n\u003ch3 id=\"4-etfsexchange-traded-fund-moderate-risk\"\u003e4. ETFs(Exchange Traded Fund) \u003csup\u003eModerate Risk\u003c/sup\u003e\u003c/h3\u003e\n\u003cp\u003eAn exchange traded fund (ETF) is a type of security that involves a collection of securities—such as stocks—that often tracks an underlying index, although they can invest in any number of industry sectors or use various strategies. ETFs are in many ways similar to mutual funds; however, they are listed on exchanges and ETF shares trade throughout the day just like ordinary stock.\u003c/p\u003e\n\u003cp\u003eThe only ETF I know is\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e\n\u003cp\u003eAbsa NewGold ETF - The Barclays/Absa NewGold ETF is an instrument that tracks the price of gold in line with the international markets. It is listed on the Nairobi Securities Exchange and trades under the symbol GLD. Any local investor can purchase it through placing an order through their stockbroker.\u003c/p\u003e\n\u003cp\u003eIf an investor buys the security/share of the NewGold ETF he is effectively buying approximately 1/100th of an ounce of Gold which is held in a secure depository on behalf of investors and is backed by physical gold.\u003c/p\u003e\n\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch3 id=\"5-cryptocurrencies-high-risk\"\u003e5. Cryptocurrencies \u003csup\u003eHigh Risk\u003c/sup\u003e\u003c/h3\u003e\n\u003cp\u003eA cryptocurrency (or “crypto”) is a digital currency that can be used to buy goods and services, but uses an online ledger with strong cryptography to secure online transactions. Much of the interest in these unregulated currencies is to trade for profit, with speculators at times driving prices skyward.\u003c/p\u003e\n\u003cp\u003eJust recently they crypto market(all cryptocurrencies) surpassed 1.2 Trillion US Dollars, that\u0026rsquo;s 131,340,000,000,000.00 Kenyan Shillings. One Bitcoin, the most popular cryptocurrency is at 5,103,850.51 Kenyan Shilling. So you can see the potential cryptocurrencies have. They are a great investment. But you have to be careful as this is a high risk investment, i mean very high risk. Bitcoin and the likes aren\u0026rsquo;t regulated, if for example hypothetically bitcoin was to disappear from the internet, so would you money. It\u0026rsquo;s a high risk high return investment.\u003c/p\u003e\n\u003cp\u003eHere is a list of some cryptocurrencies\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eBitcoin at 5,103,850.51 Kenyan Shillings\u003c/li\u003e\n\u003cli\u003eEthereum at 196,334.71 Kenyan Shillings\u003c/li\u003e\n\u003cli\u003eLitecoin at 20,720.36 Kenyan Shillings\u003c/li\u003e\n\u003cli\u003eBitcoin Cash at 56,694.36 Kenyan Shillings\u003c/li\u003e\n\u003cli\u003eMonero at 16,504.40 Kenyan Shillings\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch3 id=\"6-forex-high-risk\"\u003e6. Forex \u003csup\u003eHigh Risk\u003c/sup\u003e\u003c/h3\u003e\n\u003cp\u003eBasically investing/trading in other currencies eg USD.\u003c/p\u003e\n\u003cp\u003eOne way to do this is to register with \u003ca href=\"https://lp.fxpesa.com/landing-pages/refer-a-friend/?affid=C00958714\u0026amp;clickid=C00958714\"\u003eFXPesa\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003eThat\u0026rsquo;s it for today I know I haven\u0026rsquo;t covered all of them so I\u0026rsquo;ll save the rest for another day.\u003c/p\u003e\n\u003cp\u003e\u003ca href=\"https://ajulusthoughts.stephenajulu.com/post/how-i-started-investing/\"\u003eGo check out my other post on how I started investing\u003c/a\u003e.\u003c/p\u003e\n\u003cp\u003eHave a great day everyone.\u003c/p\u003e\n","date_published":"2021-02-10T09:00:00Z","image":"https://ajulu.netlify.app/images/feature-758x426.jpg","tags":["investment","investing","finance","investing kenya","getting stated","featured"]},{"id":"https://ajulu.netlify.app/posts/how-i-started-investing/","url":"https://ajulu.netlify.app/posts/how-i-started-investing/","title":"How I Started Investing","summary":"Hi, how are you?\nMy name is Stephen and welcome to \u0026ldquo;How I Started Investing\u0026rdquo;.\nMy investment journey started with YouTube videos. Specifically Nabo Capital, Money Wise by Rina Hicks and Caroline Mutuko.\nI just stumbled upon Nabo Capital\u0026rsquo;s Money Market video, I researched Money Market Funds and found Cytonn.\nSo my first investment was 400 bob. It was all I had that day, I downloaded their app, registered and deposited that.\nAfter a few days I met a video by Rina Hicks which helped me further understand Investing.\n","content_html":"\u003cp\u003eHi, how are you?\u003c/p\u003e\n\u003cp\u003eMy name is Stephen and welcome to \u0026ldquo;How I Started Investing\u0026rdquo;.\u003c/p\u003e\n\u003cp\u003eMy investment journey started with YouTube videos. Specifically \u003ca href=\"https://www.youtube.com/c/NaboCapital-Investments/videos\"\u003eNabo Capital\u003c/a\u003e, \u003ca href=\"https://www.youtube.com/channel/UCN6_Kze4Oan1grlfbH-faig\"\u003eMoney Wise by Rina Hicks\u003c/a\u003e and \u003ca href=\"https://www.youtube.com/user/CarolineMutoko\"\u003eCaroline Mutuko\u003c/a\u003e.\u003c/p\u003e\n\u003cp\u003eI just stumbled upon Nabo Capital\u0026rsquo;s Money Market video, I researched Money Market Funds and found Cytonn.\u003c/p\u003e\n\u003cp\u003eSo my first investment was 400 bob. It was all I had that day, I downloaded their app, registered and deposited that.\u003c/p\u003e\n\u003cp\u003eAfter a few days I met a video by Rina Hicks which helped me further understand Investing.\u003c/p\u003e\n\u003cp\u003eI immediately put 400 in Bitcoin later that day and within a weeks time got 500. Out of excitement i withdrew, took out the 200 and reinvested 300 in Cytonn\u0026rsquo;s Money Market Fund. After a while, I invested 450 in bitcoin, sadly I was impatient(thinking i was going to lose my money) and withdrew after 3 weeks at 440, a ksh.10 loss.\u003c/p\u003e\n\u003cp\u003eSince then I have invested ksh. 2,000 in shares, 700 + on Cytonn Money Market Fund and 500 in Bitcoin.\u003c/p\u003e\n\u003cp\u003eMy shares have a 9% profit but sometimes i get as low as -12% loss in a day, I am still holding on.\u003c/p\u003e\n\u003cp\u003eGot ksh. 4 + in my money market fund(after 3 weeks).\u003c/p\u003e\n\u003cp\u003eGot ksh. 79 + in Bitcoins.\u003c/p\u003e\n\u003cp\u003eMy number 1 tip would be: Don\u0026rsquo;t rush, don\u0026rsquo;t be impatient, don\u0026rsquo;t fret when your investment goes into a loss, just hold on a little longer and I can assure you, you won\u0026rsquo;t regret it.\u003c/p\u003e\n\u003cp\u003eSo that\u0026rsquo;s it, I suggest you check out there channels.\u003c/p\u003e\n\u003cp\u003eI personally use Cytonn for Money Market Fund(You can start with as little as ksh. 100), Genghis for shares(same as above, there are share going for as low as 1.23 and the minimum share amount is 100, so that\u0026rsquo;s ksh. 123.) and Local Bitcoins(where you can also buy for as low as ksh. 100)\u003c/p\u003e\n\u003cp\u003eHave a great day!\u003c/p\u003e\n","date_published":"2021-02-08T15:00:00Z","image":"https://ajulu.netlify.app/images/investing-1.png","tags":["investment","investing","finance","investing kenya","getting stated"]}]}