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Gynococcus
#1 Posted : Saturday, June 25, 2016 12:11:17 PM
Rank: Hello

Joined: 6/25/2016
Posts: 7
Location: nairobi
Please assist with ideas on useful investment instruments.
Initial outlay 2M
Monthly 300k disposable income
Medium risk appetite
I have already bought land, built house
I am not available for something that needs oversight as I travel frequently.

Thank you in advance
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Swenani
#2 Posted : Saturday, June 25, 2016 12:42:32 PM
Rank: User

Joined: 8/15/2013
Posts: 13,237
Location: Vacuum
Gynococcus wrote:
Please assist with ideas on useful investment instruments.
Initial outlay 2M
Monthly 300k disposable income
Medium risk appetite
I have already bought land, built house
I am not available for something that needs oversight as I travel frequently.

Thank you in advance


KQ or FEP
If Obiero did it, Who Am I?
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Othelo
#3 Posted : Saturday, June 25, 2016 1:23:55 PM
Rank: User

Joined: 1/20/2014
Posts: 3,528
Swenani wrote:
Gynococcus wrote:
Please assist with ideas on useful investment instruments.
Initial outlay 2M
Monthly 300k disposable income
Medium risk appetite
I have already bought land, built house
I am not available for something that needs oversight as I travel frequently.

Thank you in advance


KQ or FEP

smile Pray Pray Pray
Formal education will make you a living. Self-education will make you a fortune - Jim Rohn.
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MaichBlack
#4 Posted : Saturday, June 25, 2016 8:43:11 PM
Rank: Elder

Joined: 7/22/2009
Posts: 7,833
Swenani wrote:
Gynococcus wrote:
Please assist with ideas on useful investment instruments.
Initial outlay 2M
Monthly 300k disposable income
Medium risk appetite
I have already bought land, built house
I am not available for something that needs oversight as I travel frequently.

Thank you in advance


KQ or FEP

@Swenani - Haki be serious for once!!!
Never count on making a good sale. Have the purchase price be so attractive that even a mediocre sale gives good returns.
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Ebenyo
#5 Posted : Saturday, June 25, 2016 11:00:38 PM
Rank: Veteran

Joined: 4/4/2016
Posts: 2,016
Location: Kitale
Gynococcus wrote:
Please assist with ideas on useful investment instruments.
Initial outlay 2M
Monthly 300k disposable income
Medium risk appetite
I have already bought land, built house
I am not available for something that needs oversight as I travel frequently.

Thank you in advance


Welcome to wazua! we hope you will stick around for good.You say you have 2 m initial capital and then 300 k monthly disposable income.
Invest the 2 m in the treasury bond.At an average of 14% return paid semi annualy,that will give you about 280 k before tax per annum.That will translate to about 20 k per month returns only.
With the 300 k monthly disposable income,invest in shares at nairobi securities exchange.Start with some companies which are valuable.Buy kcb which is currently trades at 35 bob which is a discount.Buy safaricom,Kengen and Equity.At the end of next year you will have shares worth 3.6 m with dividends of about 100 k.Do this for ten years and afterwards retire and let your money works for you.You will leave comfortably on dividends and interest from t bond.
Towards the goal of financial freedom
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mawinder
#6 Posted : Sunday, June 26, 2016 2:09:13 AM
Rank: Elder

Joined: 4/30/2008
Posts: 6,029
Ebenyo wrote:
Gynococcus wrote:
Please assist with ideas on useful investment instruments.
Initial outlay 2M
Monthly 300k disposable income
Medium risk appetite
I have already bought land, built house
I am not available for something that needs oversight as I travel frequently.

Thank you in advance


Welcome to wazua! we hope you will stick around for good.You say you have 2 m initial capital and then 300 k monthly disposable income.
Invest the 2 m in the treasury bond.At an average of 14% return paid semi annualy,that will give you about 280 k before tax per annum.That will translate to about 20 k per month returns only.
With the 300 k monthly disposable income,invest in shares at nairobi securities exchange.Start with some companies which are valuable.Buy kcb which is currently trades at 35 bob which is a discount.Buy safaricom,Kengen and Equity.At the end of next year you will have shares worth 3.6 m with dividends of about 100 k.Do this for ten years and afterwards retire and let your money works for you.You will leave comfortably on dividends and interest from t bond.

Very misleading on tbill rates. Right now the rates are at around 7-8%.
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Ebenyo
#7 Posted : Sunday, June 26, 2016 6:54:18 AM
Rank: Veteran

Joined: 4/4/2016
Posts: 2,016
Location: Kitale
mawinder wrote:
Ebenyo wrote:
Gynococcus wrote:
Please assist with ideas on useful investment instruments.
Initial outlay 2M
Monthly 300k disposable income
Medium risk appetite
I have already bought land, built house
I am not available for something that needs oversight as I travel frequently.

Thank you in advance


Welcome to wazua! we hope you will stick around for good.You say you have 2 m initial capital and then 300 k monthly disposable income.
Invest the 2 m in the treasury bond.At an average of 14% return paid semi annualy,that will give you about 280 k before tax per annum.That will translate to about 20 k per month returns only.
With the 300 k monthly disposable income,invest in shares at nairobi securities exchange.Start with some companies which are valuable.Buy kcb which is currently trades at 35 bob which is a discount.Buy safaricom,Kengen and Equity.At the end of next year you will have shares worth 3.6 m with dividends of about 100 k.Do this for ten years and afterwards retire and let your money works for you.You will leave comfortably on dividends and interest from t bond.

Very misleading on tbill rates. Right now the rates are at around 7-8%.


@mawinder,ofcourse i understand the rate flactuates depending with the market.I gave the highest for encouragement purpose.Are u a scaremonger? Infact i said t bond not t bill.He wont be disapointed with a 30 yr t bond.T bills pay less because its short term.Check the current 30 year t bond and report back immediately.
Towards the goal of financial freedom
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tmakto
#8 Posted : Sunday, June 26, 2016 2:42:32 PM
Rank: New-farer

Joined: 10/28/2015
Posts: 47
Gynococcus wrote:
Please assist with ideas on useful investment instruments.
Initial outlay 2M
Monthly 300k disposable income
Medium risk appetite
I have already bought land, built house
I am not available for something that needs oversight as I travel frequently.

Thank you in advance


Hi,

I totally understand your situation since I can relate to it.

The previous suggestions are good and can be rewarding, but are they right for you?

I have a more robust set of suggestions, but in order to be more helpful to you I would require to know a little more on

(a) your capital growth targets (key determinant in the paths you choose)

(b) your investment vehicle (personal, incorporated etc)

(c) your time line (are you in for short/long term)

Planning and researching are key ingredients of course but action beats inaction hands down.
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Gynococcus
#9 Posted : Sunday, June 26, 2016 8:29:43 PM
Rank: Hello

Joined: 6/25/2016
Posts: 7
Location: nairobi
tmakto,
a) please explain like to a 2 year old
b) Personal
c) I am thinking of 3-5 years initially
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tmakto
#10 Posted : Monday, June 27, 2016 2:15:19 AM
Rank: New-farer

Joined: 10/28/2015
Posts: 47
Okay, under (a) what's meant is: "approx how much capital do you realistically wish to have at the end of your investment effort?" is it x1.5, twice or thrice your current capital...

As a rule a higher return target means putting up with higher risk (vise versa). Nothing is cast on stone really but this helps big time in focusing, deciding and reviewing

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