Well let me give it a try. I started investing in December 2009. So far I have used the stock market, money market funds, mutual funds(i walked out of this in January this year) and bank CDs. So far I have suffered massive loss on the stock market with my investments; (I have only received back 3.5% in form of divideds and capital gains) since then. My money market fund is quite good. I am using two companies for this plus of course my old SACCO. I have not yet entered real estate. I tried it some 6 years back but I was conned by a colleague and I suffered a loss of about 45% since I had to compromise and settle the case out of court (I managed to get very little back). Until they reform the real estate/land sector, I am very shy about buying houses, plots and agricultural land.
Keeping it all in the family