{"version":"https://jsonfeed.org/version/1.1","title":"Stephen Ajulu","home_page_url":"https://ajulu.netlify.app/","feed_url":"https://ajulu.netlify.app/tags/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/potential-medium-to-high-returns-investment-options-to-explore/","url":"https://ajulu.netlify.app/posts/potential-medium-to-high-returns-investment-options-to-explore/","title":"Potential Medium to High Returns Investment Options To Explore","summary":"Investing is one of the best ways to grow your wealth over time. While there are no guarantees in investing, some investments offer a higher potential for returns than others. In this article, we\u0026rsquo;ll explore some of the potential medium to high returns investment options available to investors.\nReal Estate Investments Real estate has been a popular investment option for many years. It is a tangible asset that has the potential to appreciate in value over time. There are various ways to invest in real estate, including rental properties, flipping properties, and real estate investment trusts (REITs).\n","content_html":"\u003cp\u003eInvesting is one of the best ways to grow your wealth over time. While there are no guarantees in investing, some investments offer a higher potential for returns than others. In this article, we\u0026rsquo;ll explore some of the potential medium to high returns investment options available to investors.\u003c/p\u003e\n\u003ch2 id=\"real-estate-investments\"\u003eReal Estate Investments\u003c/h2\u003e\n\u003cp\u003eReal estate has been a popular investment option for many years. It is a tangible asset that has the potential to appreciate in value over time. There are various ways to invest in real estate, including rental properties, flipping properties, and real estate investment trusts (REITs).\u003c/p\u003e\n\u003cp\u003eRental properties can provide a steady stream of rental income and the potential for long-term appreciation in property value. Flipping properties involves buying a property, renovating it, and selling it for a profit. REITs are companies that own and manage income-producing real estate properties. They offer investors the opportunity to invest in real estate without having to buy, manage, or finance properties themselves.\u003c/p\u003e\n\u003cp\u003eIf you are a Kenyan, one of the REITs you could try is Vuka, a REIT created by Acorn Investments and Approved by The Capital Markets Authority. It allows you to invest for as low as 250/=. Try it today: \u003ca href=\"https://portal.vuka.co.ke/create-account?\u0026amp;invite_code=MS-100228-Dfi\"\u003eVuka Investment Club\u003c/a\u003e\u003c/p\u003e\n\u003ch2 id=\"stocks\"\u003eStocks\u003c/h2\u003e\n\u003cp\u003eInvesting in stocks is another popular way to grow your wealth. Stocks represent ownership in a company and offer investors the potential for long-term capital appreciation and dividends. There are various ways to invest in stocks, including individual stocks, mutual funds, and exchange-traded funds (ETFs).\u003c/p\u003e\n\u003cp\u003eIndividual stocks can provide higher returns but also carry higher risk. Mutual funds and ETFs offer diversification, which can help to lower risk. They are also professionally managed, which can be an advantage for investors who don\u0026rsquo;t have the time or expertise to manage their own portfolios.\u003c/p\u003e\n\u003ch2 id=\"cryptocurrencies\"\u003eCryptocurrencies\u003c/h2\u003e\n\u003cp\u003eCryptocurrencies have gained popularity in recent years as an alternative investment option. Cryptocurrencies are decentralized digital assets that use encryption techniques to secure transactions and control the creation of new units. They offer investors the potential for high returns but also come with high volatility and risk.\u003c/p\u003e\n\u003cp\u003eBitcoin, Ethereum, and Litecoin are some of the most popular cryptocurrencies. Investors can buy and hold cryptocurrencies as long-term investments or trade them actively to try and take advantage of short-term price movements.\u003c/p\u003e\n\u003ch2 id=\"peer-to-peer-lending\"\u003ePeer-to-Peer Lending\u003c/h2\u003e\n\u003cp\u003ePeer-to-peer lending, also known as P2P lending, is a way for investors to lend money to individuals or businesses through an online platform. P2P lending offers investors the potential for high returns but also carries the risk of borrower default.\u003c/p\u003e\n\u003cp\u003eInvestors can choose which loans to invest in based on the borrower\u0026rsquo;s credit score, loan purpose, and other criteria. P2P lending platforms charge a fee for connecting borrowers with investors and managing the loan process.\u003c/p\u003e\n\u003ch2 id=\"conclusion\"\u003eConclusion\u003c/h2\u003e\n\u003cp\u003eIn conclusion, there are various potential medium to high returns investment options available to investors. Real estate investments, stocks, cryptocurrencies, and P2P lending are just a few of the options available. Each investment option carries its own risks and potential rewards, and investors should carefully consider their investment objectives, risk tolerance, and time horizon before investing.\u003c/p\u003e\n\u003cp\u003eIt\u0026rsquo;s important to note that investing always involves risk and there are no guarantees of returns. Therefore, investors should always do their due diligence and seek professional advice before investing. With careful planning and informed decision-making, investors can potentially grow their wealth over time through a diversified investment portfolio.\u003c/p\u003e\n","date_published":"2023-02-28T16:22:00+03:00","image":"https://ajulu.netlify.app/images/photo-1580519542036-c47de6196ba5.jpeg","tags":["investment","investments","investing","invest","portfolio","investment portfolio","investment options","high returns","high risk","real estate","stocks","cryptocurrencies","p2p lending","lending","risk management","wealth"]},{"id":"https://ajulu.netlify.app/posts/exploring-the-use-cases-of-non-fungible-tokens-nfts-in-various-industries/","url":"https://ajulu.netlify.app/posts/exploring-the-use-cases-of-non-fungible-tokens-nfts-in-various-industries/","title":"Exploring the Use Cases of Non-Fungible Tokens (NFTs) in Various Industries","summary":"Non-Fungible Tokens, or NFTs, are a revolutionary new technology that is changing the way we think about digital ownership and authenticity. These unique digital assets are being used in a wide variety of industries, from art and entertainment to real estate and gaming. In this article, we\u0026rsquo;ll take a deep dive into the use cases of NFTs, exploring how this technology is being used to create new opportunities and revolutionize traditional business models.\n","content_html":"\u003cp\u003eNon-Fungible Tokens, or NFTs, are a revolutionary new technology that is changing the way we think about digital ownership and authenticity. These unique digital assets are being used in a wide variety of industries, from art and entertainment to real estate and gaming. In this article, we\u0026rsquo;ll take a deep dive into the use cases of NFTs, exploring how this technology is being used to create new opportunities and revolutionize traditional business models.\u003c/p\u003e\n\u003cp\u003eOne of the most exciting use cases for NFTs is in the world of art and collectibles. NFTs allow artists to create one-of-a-kind digital pieces that can be sold and traded just like physical artwork. This opens up new possibilities for artists, as they can now sell their work to a global audience without the need for physical galleries or auction houses. For example, digital artist Beeple sold an NFT of his work for $69 million at Christie\u0026rsquo;s auction house, making it the most expensive NFT ever sold.\u003c/p\u003e\n\u003cp\u003eAnother industry that has been impacted by NFTs is the world of gaming. NFTs allow developers to create unique, in-game items that players can own and trade. This has led to the emergence of a new type of game, known as \u0026ldquo;play-to-own\u0026rdquo; games, where players can purchase NFTs that represent in-game assets such as weapons, vehicles, and even virtual real estate. For example, the game Axie Infinity, is a blockchain-based game, where players can buy, breed, and battle fantasy creatures called Axies, and all the in-game assets are represented as NFTs.\u003c/p\u003e\n\u003cp\u003eNFTs are also being used to create new opportunities in the world of real estate. Using NFTs, developers can create digital representations of physical properties that can be bought, sold, and traded like traditional real estate. This opens up new possibilities for investors, as they can now invest in real estate without the need for physical property. For example, the company \u0026ldquo;Propy\u0026rdquo; is using NFTs to digitize commercial and residential real estate, making it easy to buy, sell and transfer properties on a global scale.\u003c/p\u003e\n\u003cp\u003eIn the music industry, NFTs are being used to create new ways for artists to monetize their music and connect with fans. For example, musicians can create NFTs that represent exclusive access to concerts, merchandise, or behind-the-scenes content. This allows artists to create new revenue streams and foster deeper relationships with their fans. The band Kings of Leon made history by selling their album as NFTs, which were bought by fans for cryptocurrency.\u003c/p\u003e\n\u003cp\u003eIn conclusion, NFTs are a revolutionary technology that is changing the way we think about digital ownership and authenticity. These unique digital assets are being used in a wide variety of industries, from art and entertainment to real estate and gaming. NFTs are opening up new opportunities for artists, developers, musicians, and investors to monetize their work and create new revenue streams. As the technology continues to evolve, we can expect to see even more innovative use cases for NFTs in the future.\u003c/p\u003e\n","date_published":"2023-01-19T20:53:00+03:00","image":"https://ajulu.netlify.app/images/nfts-in-museums.png","tags":["nfts","blockchain","digital ownership","digital assets","art","gaming","real estate"," music","cryptocurrency","digital art","digital gaming","digital real estate","technology","authenticity","collectibles","play to earn","play to own","investment","monetization","innovation"]},{"id":"https://ajulu.netlify.app/posts/young-men-focus-on-these-key-things/","url":"https://ajulu.netlify.app/posts/young-men-focus-on-these-key-things/","title":"Young Men, Focus On These Key Things","summary":"Hi men, here are 5 things you should focus on and commit to doing every day for MASSIVE success.\nI\u0026rsquo;ll start with a quote: \u0026ldquo;Happiness comes from surpassing your limits\u0026rdquo;\nFitness: Lift heavy and do sprints Investments: Build a great investment portfolio Success: Build your business or work hard at your job. Keep improving. Intelligence: Build skills, read books, write and become articulate Think long-term. Do things that target these 4 everyday. Consistency will get you there. I suggest 10 years.\n","content_html":"\u003cp\u003eHi men, here are 5 things you should focus on and commit to doing every day for MASSIVE success.\u003c/p\u003e\n\u003cp\u003eI\u0026rsquo;ll start with a quote: \u0026ldquo;Happiness comes from surpassing your limits\u0026rdquo;\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eFitness: Lift heavy and do sprints\u003c/li\u003e\n\u003cli\u003eInvestments: Build a great investment portfolio\u003c/li\u003e\n\u003cli\u003eSuccess: Build your business or work hard at your job. Keep improving.\u003c/li\u003e\n\u003cli\u003eIntelligence: Build skills, read books, write and become articulate\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eThink long-term. Do things that target these 4 everyday. Consistency will get you there. I suggest 10 years.\u003c/p\u003e\n","date_published":"2021-11-24T17:18:00+03:00","image":"https://ajulu.netlify.app/images/bruce-mars-8yg31xn4dsw-unsplash.jpg","tags":["self improvement","men","man","self mastery","success","fitness","investment","intelligence"]},{"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"]},{"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"]}]}