Real 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).

Rental 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.

If 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: Vuka Investment Club

Stocks

Investing 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).

Individual 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’t have the time or expertise to manage their own portfolios.

Cryptocurrencies

Cryptocurrencies 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.

Bitcoin, 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.

Peer-to-Peer Lending

Peer-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.

Investors can choose which loans to invest in based on the borrower’s credit score, loan purpose, and other criteria. P2P lending platforms charge a fee for connecting borrowers with investors and managing the loan process.

Conclusion

In 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.

It’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.

Artificial Intelligence:

• Alphabet Inc. (Google)
• Microsoft Corp.
• NVIDIA Corp.
• Intel Corp.

AI technology is revolutionizing numerous industries including healthcare, finance, and transportation by improving efficiency, accuracy and productivity.

E-Commerce:

• Amazon.com Inc.
• Alibaba Group Holding Ltd.
• Shopify Inc.
• JD.com Inc.

E-commerce has disrupted the traditional brick-and-mortar retail industry by providing convenient and accessible online shopping experiences, transforming the way people purchase goods and services.

Clean Energy:

• Tesla Inc.
• NextEra Energy Inc.
• Brookfield Renewable Partners L.P.
• First Solar Inc.

Clean energy is disrupting the traditional fossil fuel-based energy industry by promoting sustainable energy sources such as solar and wind power, reducing dependence on non-renewable resources, and mitigating environmental impact.

Cryptocurrency:

• Bitcoin Investment Trust (GBTC)
• Ethereum (ETH)
• Binance Coin (BNB)
• Ripple (XRP)

Cryptocurrency is disrupting traditional finance by offering decentralized, secure, and transparent financial transactions without the need for intermediaries such as banks.

Automation:

• ABB Ltd.
• Siemens AG
• Rockwell Automation Inc.
• Fanuc Corp.

Automation is disrupting various industries including manufacturing, logistics, and healthcare by automating tasks and processes, increasing efficiency, and reducing the need for manual labor.

Virtual Reality:

• Facebook Inc. (Oculus VR)
• NVIDIA Corp.
• HTC Corp.
• Unity Technologies

Virtual Reality (VR) is disrupting the entertainment and gaming industries by providing immersive and interactive experiences. It also has potential applications in fields such as education, training, and healthcare.

Biotechnology:

• Moderna Inc.
• Amgen Inc.
• Gilead Sciences Inc.
• Biogen Inc.

Biotechnology is disrupting the healthcare industry by developing innovative treatments, therapies, and technologies based on the understanding of biological systems and processes.

Drones:

• DJI Technology Co. Ltd.
• AeroVironment Inc.
• Lockheed Martin Corp.
• Parrot SA

Drones are disrupting various industries including agriculture, delivery, and surveying by providing cost-effective, efficient, and innovative solutions for tasks that were previously performed by humans.

Internet of Things (IoT):

• Cisco Systems Inc.
• International Business Machines (IBM) Corp.
• Intel Corp.
• Alphabet Inc. (Google)

IoT is disrupting various industries including manufacturing, transportation, and healthcare by connecting and automating devices, enabling real-time data collection and analysis.

5G Technology:

• Qualcomm Inc.
• Ericsson AB
• Nokia Oyj
• Huawei Technologies Co. Ltd.

5G technology is disrupting the telecommunications industry by providing faster, more reliable, and more secure wireless communication, enabling the development of new and innovative products and services.

Blockchain:

• Square Inc. (Cash App)
• Ripple Labs Inc.
• Chain Inc.
• Coinbase Global Inc.

Blockchain is disrupting various industries including finance, supply chain management, and real estate by providing secure and transparent record-keeping, reducing the need for intermediaries, and increasing efficiency.

Cybersecurity:

• CrowdStrike Holdings Inc.
• Palo Alto Networks Inc.
• FireEye Inc.
• Symantec Corp.

Cybersecurity is disrupting various industries including finance, healthcare, and government by providing innovative solutions to protect against cyber-attacks, data breaches, and cyber threats.

Renewable Energy Storage:

• Tesla Inc. (Powerwall)
• LG Chem Ltd.
• Enphase Energy Inc.
• Sunrun Inc.

Renewable Energy Storage is disrupting the energy industry by enabling the efficient storage and distribution of renewable energy, reducing dependence on traditional fossil fuels, and improving energy security.

Space Technology:

• SpaceX
• Blue Origin LLC
• Virgin Galactic Holdings Inc.
• Maxar Technologies Inc.

Space Technology is disrupting various industries including telecommunications, earth observation, and space exploration by providing cost-effective and innovative solutions for accessing and utilizing space-based resources and capabilities.

Robotic Process Automation (RPA):

• UiPath Inc.
• Automation Anywhere Inc.
• Blue Prism Group PLC
• WorkFusion Inc.

Robotic Process Automation (RPA) is disrupting various industries including finance, healthcare, and customer service by automating repetitive and manual tasks, reducing errors, and improving productivity.

Quantum Computing:

• IBM Corp.
• D-Wave Systems Inc.
• Google (Alphabet Inc.)
• Rigetti Computing

Disruptive Industry: healthcare, and cryptography by providing exponential computing power and enabling the solution of complex problems that are beyond the capabilities of classical computers.

Electric Vehicles:

• Tesla Inc.
• General Motors Co.
• Nissan Motor Co. Ltd.
• Volkswagen AG

Electric Vehicles (EVs) are disrupting the automotive industry by providing cost-effective, efficient, and environmentally friendly alternatives to traditional internal combustion engine vehicles.

Smart Home Technology:

• Amazon.com Inc. (Ring)
• Alphabet Inc. (Google Nest)
• Samsung Electronics Co. Ltd.
• Control4 Corp.

Smart Home Technology is disrupting the home automation industry by enabling the integration and control of home appliances and systems through a centralized platform, improving comfort, convenience, and security.

Advanced Manufacturing:

• GE Additive (General Electric)
• 3D Systems Corp.
• Stratasys Ltd.
• Materialise NV

Advanced Manufacturing is disrupting the manufacturing industry by providing new and innovative ways of designing, producing, and delivering products through the use of digital technologies such as 3D printing and computer-aided design.

1. Watches - Rolex, Richard Mille, Audemars Piguet, and Patek Phillipie are good starting points
2. Gold and Silver Coins/Bars
3. Land and Property
4. Cattle
5. Timber and Building Materials
6. Farm/Ranch(Highly recommended)
7. Physical Skills e.g Pottery, Masonry, Farming/Gardening, Plumbing, First Aid, Mechanic, Driving and Cooking among others
8. Cryptocurrencies and NFTs(Not recommended)

1. Bitcoin(BTC): As you know from a previous article, I hold some bitcoin. In 2022 I’ll be buying more with the goal of reaching 3 BTC in my portfolio.
2. Ethereum(ETH): Same as Bitcoin. The goal is to reach 10 ETH
3. Solana(SOL): Named the Ethereum killer. Lots of interesting projects are being developed using its blockchain.
4. Ripple(XRP)
5. Stellar
6. Decentraland(MANA)
7. Enjin Coin(ENJ)
8. The Sandbox(SAND)
9. Star Atlas(ATLAS)
10. Metaverse Index Token(MVI): This is not really a cryptocurrency but definitely worth checking out. It contains all/most of the metaverse tokens.
11. Polkadot(DOT): Has potential
12. Chainlink
13. Polygon(MATIC): A must-buy for me. Amazing projects built and more coming.
14. Pancake Swap(CAKE)
15. Uniswap
16. Illuvium
17. Moonriver
18. Loopring
19. Cardano(ADA): I have some and want more
20. Veechain
21. Shiba Inu(SHIB)
22. Dogecoin(DOGE)

Ethereum(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’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’s enough.

Bitcoin(BTC)

Bitcoin is the biggest crypto right now and it still has the potential to grow. Buy it now and forget about it.

Metaverse Index Token(MVI)

The metaverse is hyped right now. I believe it’s going to continue to grow. Buy this and you should be good.

Others to include that have potential: Dogecoin, Solana, Decentraland, Binance Coin, Uniswap, Binance USD, and Shiba Inu

NB: This article is not financial advice. Do your research. I recommend you start with Web 3.0, Metaverse, and Defi.

To finalize, if you’d like to invest in the aforementioned cryptocurrencies then invest with Binance and get 5%: Buy and Trade Crypto With The Best Exchange: Binance

Have a great day everyone!

Photo by Executium on Unsplash

Blue Chip Stocks: 20%

Other Stocks + Remaining NSE 25 Share Index: 15%

Mutual Funds: 30%

Cryptocurrencies: 30%

Others(REITS and additional): 5%

I currently don’t own any real estate investments aside from Stanlib Fahari I-REIT but I’ll soon start investing directly in Real Estate which would total up to 35% I’d then use mutual funds for savings instead of investing.

I’m also looking forward to buying Ugandan and American stocks soon, so index funds will be joining the list in which I’ll allocate 20% and then move a few of the others down.

Aside from these, I am planning to buy ETFs like the ABSA NewGold ETF and more.

I am very interested in the crypto market so that percentage isn’t likely to change anytime soon. The reason for this is as I mention in my previous post which I’ll link down below. Crypto has been my “golden goose” out of all my investments crypto has brought me the highest returns on investment 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 metaverse crypto tokens that are growing as well. So I believe crypto will remain my golden goose unless something else brings in more.

I’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.

Mutual funds act as lifesaver jackets for me, as long as nothing “life-threatening” comes my way, then I am likely to hold them for the same period 6 months to 30 years.

Everything above is subject to change depending on my research and findings. Always research your preferred investments.

I’ll link all the posts I believe can help you make your own investment strategy down below. I’d love to hear more about your investment strategy and portfolio down below in the comments. So please feel free to share.

I use Genghis Capital for Kenyan Stocks(They also have a money market mutual fund), Equity for Ugandan Stocks, and Binance for Cryptocurrencies. I am slightly dissatisfied with Genghis but it’s a great company and they provide free market research as well as recommendations. Use this link to register with Binance, to use Genghis, just download their app from the Google Playstore or Apple Store and register. They have made it that simple. As for Ugandan Stocks use their online portal.

Note: I haven’t listed savings, retirement funds, life insurance, and the likes, simply because they don’t belong in this category. If you’d like me to talk about them kindly comment down below.

My plan is to live solely on investments.

That’s it for today.

Hope you have a great one!

Quote of today

Saving is puting your money to rest, investing is making your money work for you even while you are asleep

Additional Resources

Also Read:

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Today I’ll be revealing my investment portfolio in a bid to encourage young people in their teens, twenties, and thirties to invest.

Starting up with stocks, mutual funds, crypto, and finally, my future “to invest in” list.

Stock Portfolio

Market Value: Ksh. 6,988

Total Cost: Ksh. 6,600

Profit/Loss: +358

Stocks: 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.

Mutual Funds

Value: Ksh. 17,404

Cost: Ksh. 16,000

Profit/Loss: +404

GenCap Hela Imara Fund: Ksh. 6,250

Cytonn Money Market Fund: Ksh. 11,154

Cryptocurrency Portfolio

Market Value: Ksh. 14, 661.16

Total Cost: Ksh. 6,400

Profit/Loss: +8,261.16

Cryptocurrencies: Binance Coin, Ethereum, Bitcoin, Shiba Inu, Cardano, Dogecoin, Mines of Dalarnia, Manchester City Fan Token, Basic Attention Token, and Binance USD

Total Cost: Ksh. 29,000

Profit: +9,029

Time Frame: 7 Months

My “To Invest In” List

Stocks: 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)

Cryptocurrencies: More Ethereum, Decentraland, Axie Infinity, Enjin Coin, Metaverse Index Token, Chainlink, Loopring, Polkadot, Solana, Polygon/Mantic, Illuvium, and Veechain

Others: Bonds, Bills, Vuka(From Qwetu), and Real Estate

Here’s a list of things/places you can invest in

1. Yourself - Learning new skills, blogging, and more can wield returns even on sick days.
2. Stocks - A no brainer, you buy 100 or more shares you wait for it to raise then sell or keep investing and wait for dividends. I recommend G-Kuze by Genghis Capital(if you are a Kenyan)
3. ETFs - I only know of one here in Kenya, and that is the NewGold ETF, where you buy a fraction of real gold being held in a secure vault then sell it when gold’s prices increase. It’s publicly traded in the stock market.
4. REITs - Real Estate Investment Trusts, can help you own real estate even if all you have is 100 shillings. There’s one in Kenya called Stanlib Fahari I-REIT, which currently trades in the stock market at 6.16. It’s also Kenya’s First REIT.
5. Unit Trusts - Like Money Market Funds, High Yield Funds, and more. Almost all major banks offer them. Not sure if they are regulated by the Capital Markets Authority. Stay away from Cytonn. I was once a cytonnaire until I could no longer withdraw my money.
6. Index Funds - Sadly none are in Kenya. Basically, it’s like a share and is even publicly trading in most stock markets. There’s usually an investment company behind it who then pools your money(stocks) and invests in other mixed items eg stocks, real estate, all at once then gives you dividends.
7. Forex - If mastered can yield many returns. You basically trade currencies. Buy when the currency is low, sell/exchange when it’s high. Start here:
8. International Stocks - If you can find a way to register and trade them that’s good.
9. T-Bills and Bonds - Loaning the government money. It’s good for the long term investor
10. Cryptocurrencies - Buy, hold, sell when prices increase. Start here: Binance or Coinbase
11. Companies - You can buy shares of a private company and hope for the best
12. Real Estate - Real Estate appreciates in value over time. Use that information to your advantage, remember it’s very hard for a house to appreciate in value as compared to actual land.
13. Children - High risk, Possible High Returns. Your own children can eventually become your greatest investment. Invest in them, guide them, teach them, discipline them and love them.
14. Precious Metals and Stones - This one is a no-brainer. Precious metals and stones appreciate in value especially gold and silicone. It’s used in electronics.
15. Animals - Long ago in African countries, animals(cows, goats, chicken) were used to measure one’s worth, wealth, and status. Those having more and healthier were considered wealthy. Animals offer us a lot, eggs, meat, milk, butter, and more.

Remember: Never put all your eggs in one basket!