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Utashomeka bule for shamba.

For a start continue saving as u continue thinking,no hurry in Afrique.

Karibu sana!

Investments should follow your life goals.
You need to ask yourself what you want to have in your life in the short term and in the long term.
For me shares and interests on deposits are vehicles for getting enough money accumulated to do what I want. They are short term goals that lead me to achieving long term goals. If you put 10k a month in Faulu for 13% return, how long will it take before it gets to the goals you have set for yourself ?
Stocks fluctuate in value and the dividends paid out are rarely worth talking about, the only time you make substantial money in stocks is when you buy low and sell high. Note; you have to sell to make the money, holding a portfolio of stocks indefinitely is not investing.

You need a long term plan.
1. If you want more academic qualifications, a better job or a different career, then you can save that money and put it into education: go to college, buy books etc.

2. If you want to own property like land or a house,, then you need to start looking at what you want to buy, note the prices while still saving to move towards that goal.

3. If you have a family, you will need to educate kids, provide for their entertainment and future needs. You can start putting aside some for the child's high school and college education.

4. If you intend to go into business at some point, use the cash to build your capital for the business, while working on your business plans and doing research on what you wish.

The 10k might look kidogo but inch by inch everything is a cinch, whatever you choose to do with it in the short term, don't gamble it and decrease or loose it. If you are not sure, the fixed deposit thing is probably your best bet for the short term.