I believed in bonds for the greater majority of my life until I discovered that bonds actually ni bure tuuu.
I remember at one point some years back I bought a 19% 1 year bond and thought I was a genius.
Until I met dudes and dudettes pulling 50%+ returns PER MONTH on various ventures
Think about it. Example on a very small scale. If I own a kibanda/"coffee house" outright in a busy location, power it on solar, hire a pretty set of waitresses and an Utalii chef at 6k each a month, buy my furniture by the roadside on Ngong rd, put a TV screen hapo and sell a cup of coffee (NESCAFE satchet costs me 5 bob, water free from borehole, milk maybe 5-10 shillings per cup) at 100 bob a pop and a burger at 400 bob a pop jameni even with those small tu-overheads 19% a month starts to look like child's play. I was stunned when I went through the books of a very weatherbeaten looking resto in downtown Nairobi. No wonder the Somalis have taken over the CBD eatery biz. The returns are ku-razy!
Bonds are those tu-things old ladies who do not have the energy to run businesses or anything else for that matter dump their life savings in as they enjoy their sunset years.
In the final analysis, it all boils down to sheer plain old hard work and dogged persistence. Nothing more, nothing less!!