Market Insights
Why Kenyan Portfolios Are Less Diversified Than They Look
Holding twelve counters on one exchange is not diversification. It is concentration with extra steps — and the arithmetic is worth understanding.
1 min readVictor Edwards
Insights
Market thinking, written plainly
Research notes and practical guidance on offshore and local markets, retirement and the habits that compound over a lifetime.
8 articles found
Retirement
Understanding NSSF Tier Two Contributions
What the tiered contribution structure means for your retirement position, and the questions worth asking your employer.
1 min readMaureen Odongo
Personal Finance
How Large Should Your Emergency Fund Actually Be?
The standard answer is three to six months. The useful answer depends on how stable your income is and how quickly you could replace it.
1 min readAmina Said
Investing Basics
Dividend Cover: What to Look For Before You Chase a Yield
A high dividend yield is sometimes a reward and sometimes a warning. Cover tells you which.
1 min readBrian Mutiso
Market Insights
Currency Risk Is Not Optional — Only Whether You Choose It
Every portfolio carries a currency position. The only question is whether it was decided deliberately.
1 min readVictor Edwards
Investing Basics
Compounding Needs Time, Not Cleverness
The largest single determinant of a long-term outcome is how early you start. Very little else comes close.
1 min readAmina Said
Investing Basics
How to Read an Annual Report Without Reading All of It
Four sections carry most of the signal. Knowing where to look turns a 200-page document into a 20-minute exercise.
1 min readBrian Mutiso
Personal Finance
Which Debt to Clear First
The mathematically optimal order and the psychologically sustainable order are not always the same. Here is how to choose.
1 min readAmina Said