With land you can hardly go wrong- unless you buy the road reserve. Bought 1/4 in Syokimau in 2006 at 440k, now its going around 1.8m, bought elsewhere 1/2 acre in 2008 AT 4M, now going for 7-8M, if you have money- put it in land. Offcourse its prudent to diverse and spread risk- invest too in stocks. My policy now is 20% stocks, 20% Sacco and 60% land. SACCO is my immediate fallback when things are very thick. I never put money in the bank. I will review this in 1 years time

@ Sheep In agreement with your sentiments. That's why I mentioned that I will review my strategy in 1 years time. It will be not be business as usual. Sometimes last year- I saw an advert for housing units for rent in Tassia whee the vendor had said " 30% discount for the first 10 clients". His rent was within the neighbourhood rates. That tells you that people are moving away from rental units and the business is bound to change substantially in the future. Whatever venture we engage in, we must continuously research the market to identify the trend

Grateful for input so far. If I was attending a MSc class, I'd count the input as a week's worth of classes. @lutz numbers impressive very strong case for property; though black swan shows @sheep fears may be confirmed. @mkonomtupu based on your numbers... BBK ~ 63x House ~ 24x Maybe wise decision is to buy what you know or love. Though property (with its generous return) seems to allow for more mistakes as compared to stocks (one mistake could ring death knell).

Stocks vs Land? Ask Warren Buffet this question and he will give you a good answer. Stocks are associated with higher risk and return than land. For you to reap the benefits of investing in stocks, you have to master the art/ science of investing in stocks: - Picking the right stocks - Diversifying - Discipline (avoiding herd mentality) - Averaging - Re-investing the returns - Knowing when to sell The art/ science of investing in land is much simpler: - Choose a good location - Buy - Wait - Sell Most "investors" who try their hand in stocks, mostly enter during a bull, depend on hot tips and think they are making money due to their own briliance. Sooner or later the bear comes and they get get burn't big time. The likelihood of losing your capital tied up in land on the other hand is very low. IMHO just buying 200 shares of Safcom in the IPO does not make you an investor any more than just buying 1/4 Acre in Kitengela.