{"version":"https://jsonfeed.org/version/1.1","title":"Stephen Ajulu","home_page_url":"https://ajulu.netlify.app/","feed_url":"https://ajulu.netlify.app/tags/personal-finance/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/investment-opportunities/","url":"https://ajulu.netlify.app/posts/investment-opportunities/","title":"Investment Opportunities","summary":"Welcome back, everyone.\nHere\u0026rsquo;s a list of things/places you can invest in\nYourself - Learning new skills, blogging, and more can wield returns even on sick days. 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) 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\u0026rsquo;s prices increase. It\u0026rsquo;s publicly traded in the stock market. REITs - Real Estate Investment Trusts, can help you own real estate even if all you have is 100 shillings. There\u0026rsquo;s one in Kenya called Stanlib Fahari I-REIT, which currently trades in the stock market at 6.16. It\u0026rsquo;s also Kenya\u0026rsquo;s First REIT. 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. Index Funds - Sadly none are in Kenya. Basically, it\u0026rsquo;s like a share and is even publicly trading in most stock markets. There\u0026rsquo;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. Forex - If mastered can yield many returns. You basically trade currencies. Buy when the currency is low, sell/exchange when it\u0026rsquo;s high. Start here: International Stocks - If you can find a way to register and trade them that\u0026rsquo;s good. T-Bills and Bonds - Loaning the government money. It\u0026rsquo;s good for the long term investor Cryptocurrencies - Buy, hold, sell when prices increase. Start here: Binance or Coinbase Companies - You can buy shares of a private company and hope for the best Real Estate - Real Estate appreciates in value over time. Use that information to your advantage, remember it\u0026rsquo;s very hard for a house to appreciate in value as compared to actual land. 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. Precious Metals and Stones - This one is a no-brainer. Precious metals and stones appreciate in value especially gold and silicone. It\u0026rsquo;s used in electronics. Animals - Long ago in African countries, animals(cows, goats, chicken) were used to measure one\u0026rsquo;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! ","content_html":"\u003cp\u003eWelcome back, everyone.\u003c/p\u003e\n\u003cp\u003eHere\u0026rsquo;s a list of things/places you can invest in\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e\u003cstrong\u003eYourself\u003c/strong\u003e - Learning new skills, blogging, and more can wield returns even on sick days.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eStocks\u003c/strong\u003e - 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)\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eETFs\u003c/strong\u003e - 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\u0026rsquo;s prices increase. It\u0026rsquo;s publicly traded in the stock market.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eREITs\u003c/strong\u003e - Real Estate Investment Trusts, can help you own real estate even if all you have is 100 shillings. There\u0026rsquo;s one in Kenya called Stanlib Fahari I-REIT, which currently trades in the stock market at 6.16. It\u0026rsquo;s also Kenya\u0026rsquo;s First REIT.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eUnit Trusts\u003c/strong\u003e - 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.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eIndex Funds\u003c/strong\u003e - Sadly none are in Kenya. Basically, it\u0026rsquo;s like a share and is even publicly trading in most stock markets. There\u0026rsquo;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.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eForex\u003c/strong\u003e - If mastered can yield many returns. You basically trade currencies. Buy when the currency is low, sell/exchange when it\u0026rsquo;s high. Start here:\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eInternational Stocks\u003c/strong\u003e - If you can find a way to register and trade them that\u0026rsquo;s good.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eT-Bills and Bonds\u003c/strong\u003e - Loaning the government money. It\u0026rsquo;s good for the long term investor\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eCryptocurrencies\u003c/strong\u003e - Buy, hold, sell when prices increase. Start here: \u003ca href=\"https://accounts.binance.com/en/register?ref=CL2JFAB6\"\u003eBinance\u003c/a\u003e or \u003ca href=\"https://coinbase.com/join/ajulu_v\"\u003eCoinbase\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eCompanies\u003c/strong\u003e - You can buy shares of a private company and hope for the best\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eReal Estate\u003c/strong\u003e - Real Estate appreciates in value over time. Use that information to your advantage, remember it\u0026rsquo;s very hard for a house to appreciate in value as compared to actual land.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eChildren\u003c/strong\u003e - 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.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003ePrecious Metals and Stones\u003c/strong\u003e - This one is a no-brainer. Precious metals and stones appreciate in value especially gold and silicone. It\u0026rsquo;s used in electronics.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eAnimals\u003c/strong\u003e - Long ago in African countries, animals(cows, goats, chicken) were used to measure one\u0026rsquo;s worth, wealth, and status. Those having more and healthier were considered wealthy. Animals offer us a lot, eggs, meat, milk, butter, and more.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cblockquote\u003e\n\u003ch3 id=\"remember-never-put-all-your-eggs-in-one-basket\"\u003eRemember: Never put all your eggs in one basket!\u003c/h3\u003e\n\u003c/blockquote\u003e\n","date_published":"2021-06-27T14:01:00+03:00","image":"https://ajulu.netlify.app/images/investmentopportunites.png","tags":["personal finance","investing","investments"]}]}