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Where would you invest 7 million shillings?
masukuma
#1 Posted : Monday, September 24, 2012 9:48:09 PM
Rank: Elder


Joined: 10/4/2006
Posts: 13,209
Location: Nairobi
can someone advice me on how to invest this tidy sum.
All Mushrooms are edible! Some Mushroom are only edible ONCE!
guru267
#2 Posted : Monday, September 24, 2012 10:00:51 PM
Rank: Elder


Joined: 1/21/2010
Posts: 6,668
Location: Nairobi
masukuma wrote:
can someone advice me on how to invest this tidy sum.


Put in KCB or HFCK..

It will be worth 14million in a years time while you earn a cool 60k per month just in dividends!

Nothing can beat that!
Mark 12:29
Deuteronomy 4:16
S.Mutaga III
#3 Posted : Monday, September 24, 2012 10:32:51 PM
Rank: Member


Joined: 3/26/2012
Posts: 813
In China,if you lose 7 million,they kill you.Whatever you do,dont lose the money.An investment that has passed the test of time as safe and consistent is real estate.Sadly,not many have the cash to venture...but you do...do the necessary.
A successful man is not he who gets the best, it is he who makes the best from what he gets.
maka
#4 Posted : Monday, September 24, 2012 11:50:45 PM
Rank: Elder


Joined: 4/22/2010
Posts: 11,236
Location: Nairobi
S.Mutaga III wrote:
In China,if you lose 7 million,they kill you.Whatever you do,dont lose the money.An investment that has passed the test of time as safe and consistent is real estate.Sadly,not many have the cash to venture...but you do...do the necessary.

...hata usijaribu easiest way to loose all of it,play it safe...
possunt quia posse videntur
guru267
#5 Posted : Tuesday, September 25, 2012 5:32:31 AM
Rank: Elder


Joined: 1/21/2010
Posts: 6,668
Location: Nairobi
S.Mutaga III wrote:
An investment that has passed the test of time as safe and consistent is real estate.Sadly,not many have the cash to venture...but you do...do the necessary.


Kenyan bluechips are older than any real estate development anywhere in the country.. Plus the return from these bluechips is UNMATCHED!!

Imagine investing in KCB in 1954 or JHL in 1974 or BBK in 1984...

Mark 12:29
Deuteronomy 4:16
murchr
#6 Posted : Tuesday, September 25, 2012 5:41:24 AM
Rank: Elder


Joined: 2/26/2012
Posts: 14,948
guru267 wrote:
S.Mutaga III wrote:
An investment that has passed the test of time as safe and consistent is real estate.Sadly,not many have the cash to venture...but you do...do the necessary.


Kenyan bluechips are older than any real estate development anywhere in the country.. Plus the return from these bluechips is UNMATCHED!!

Imagine investing in KCB in 1954 or JHL in 1974 or BBK in 1984...



S.Mutaga III is right...no investment is a safer bet than the real estate...and in this case am referring to land. If you get a clean title in Kajiado Thika or Mavoko you are guaranteed 100% returns in the next year. Am not seeing stocks doing well as from Dec to May (after the elections and the court cases at the hague) However, that will be the perfect time to buy fear.
"There are only two emotions in the market, hope & fear. The problem is you hope when you should fear & fear when you should hope: - Jesse Livermore
.
Jamani
#7 Posted : Tuesday, September 25, 2012 7:52:10 AM
Rank: Elder


Joined: 9/12/2006
Posts: 1,554
murchr wrote:
guru267 wrote:
S.Mutaga III wrote:
An investment that has passed the test of time as safe and consistent is real estate.Sadly,not many have the cash to venture...but you do...do the necessary.


Kenyan bluechips are older than any real estate development anywhere in the country.. Plus the return from these bluechips is UNMATCHED!!

Imagine investing in KCB in 1954 or JHL in 1974 or BBK in 1984...



S.Mutaga III is right...no investment is a safer bet than the real estate...

Say that to US, Dubai, Syokimau, Mau or the IDP people............ All investments have risks, it all depends with the risk levels you are able to absorb.
Investments are in categories of high, medium and low risks. The higher the risk the higher the returns. If you are told stocks are more risky then the returns are high. You decide based on your "appetite".
Having said that i would personally take advice on post#2
murchr
#8 Posted : Tuesday, September 25, 2012 8:27:11 AM
Rank: Elder


Joined: 2/26/2012
Posts: 14,948
Jamani wrote:
murchr wrote:
guru267 wrote:
S.Mutaga III wrote:
An investment that has passed the test of time as safe and consistent is real estate.Sadly,not many have the cash to venture...but you do...do the necessary.


Kenyan bluechips are older than any real estate development anywhere in the country.. Plus the return from these bluechips is UNMATCHED!!

Imagine investing in KCB in 1954 or JHL in 1974 or BBK in 1984...



S.Mutaga III is right...no investment is a safer bet than the real estate...


Say that to US, Dubai, Syokimau, Mau or the IDP people............ All investments have risks, it all depends with the risk levels you are able to absorb.
Investments are in categories of high, medium and low risks. The higher the risk the higher the returns. If you are told stocks are more risky then the returns are high. You decide based on your "appetite".
Having said that i would personally take advice on post#2


Please do some research...The real estate mkt in the US hasnt improved since 08 after the bubble burst, Real estate in Africa is the real bet, thats why the likes of Mukesh Ambani are building and selling sky-scrappers in .ke.
"There are only two emotions in the market, hope & fear. The problem is you hope when you should fear & fear when you should hope: - Jesse Livermore
.
luttz
#9 Posted : Tuesday, September 25, 2012 8:28:58 AM
Rank: Member


Joined: 3/18/2008
Posts: 377
@ Jamani! Ditto. Personally I would divide my risk; go real estate at the same time take Guru's advice and maybe some fixed term deposit as part of the funds that I can easily access in case there is need
"You've never lived until you've almost died; for those who have fought for it, life has a flavour the protected will never know."
Jamani
#10 Posted : Tuesday, September 25, 2012 9:31:59 AM
Rank: Elder


Joined: 9/12/2006
Posts: 1,554
murchr wrote:
Jamani wrote:
murchr wrote:
guru267 wrote:
S.Mutaga III wrote:
An investment that has passed the test of time as safe and consistent is real estate.Sadly,not many have the cash to venture...but you do...do the necessary.


Kenyan bluechips are older than any real estate development anywhere in the country.. Plus the return from these bluechips is UNMATCHED!!

Imagine investing in KCB in 1954 or JHL in 1974 or BBK in 1984...



S.Mutaga III is right...no investment is a safer bet than the real estate...


Say that to US, Dubai, Syokimau, Mau or the IDP people............ All investments have risks, it all depends with the risk levels you are able to absorb.
Investments are in categories of high, medium and low risks. The higher the risk the higher the returns. If you are told stocks are more risky then the returns are high. You decide based on your "appetite".
Having said that i would personally take advice on post#2


Please do some research...The real estate mkt in the US hasnt improved since 08 after the bubble burst, Real estate in Africa is the real bet, thats why the likes of Mukesh Ambani are building and selling sky-scrappers in .ke.


Ask Mukesh Ambani about the NSSF plot... risk and costs.
ProverB
#11 Posted : Tuesday, September 25, 2012 9:52:11 AM
Rank: Veteran


Joined: 3/12/2010
Posts: 1,199
Location: Eastlander
Maskunje..

Spread buy into KCB... as in a standing order..weekly or monthly over next 10 months..
this will even out price volatility plus one counter..less headache watching over investments.. plus you've been on wazua long enough to realize u only invest in what you understand...

The good thing about this... is that when last tranche is finally put in...you may choose to dispose all of them at once...and then start buying again...over a similar period.. :)

in essence..u have a healthy start for an investment fund...your own.

i did so once with equity...while we were still Stocks kenya.. smile

...real estate is "purportedly" good.. but if you know nothing about it.. let it be.
..Let your light so shine before men, that they may see your good works, and glorify your Father which is in heaven...Matt5:16
- 1769 Oxford King James Bible 'Authorized Version
QD
#12 Posted : Tuesday, September 25, 2012 10:00:36 AM
Rank: Member


Joined: 8/5/2009
Posts: 597
Mixed investment is the best as the risk is much spread out. Invest in each category as per your risk prefrence;
1.Real estate- Land currently prices are down in kajiado as people await elections next year.
2.T bill/bondsthe government has to borrow to meet the deficit they have and this rate is already showing an upword swing.
3.Fixed deposits with a commercial bank running on monthly renewal just to help meet those unforseen immediate expenditures.
4.Stocks-but preferably from december through march when its too slow and target three years then exit when election jitters are past and the country's economic power has shown direction.
5.Help a needy brother nigawie kidogo tu.Drool Drool
The problem with the world is that the intelligent people are full of doubts while the stupid ones are full of confidence
guru267
#13 Posted : Tuesday, September 25, 2012 11:08:49 AM
Rank: Elder


Joined: 1/21/2010
Posts: 6,668
Location: Nairobi
QD wrote:
4.Stocks-but preferably from december through march


A bird in hand is worth two in the bush!

Buy cheap stocks today!

Remember those who snubbed KCB @ 22bob waiting for 15bob in Q4!
Mark 12:29
Deuteronomy 4:16
S.Mutaga III
#14 Posted : Tuesday, September 25, 2012 11:53:52 AM
Rank: Member


Joined: 3/26/2012
Posts: 813
Longterm investment (real estate)...4million....Medium term investment (stocks)...2million...Short term investment...(business)...maybe an electronics shop....1 million....you will never regret...HOWEVER,THIS ADVICE IS VERY SHALLOW...YOU NEED TO APPLY DUE DILIGENCE IN ALL AREAS HIGHLIGHTED.
A successful man is not he who gets the best, it is he who makes the best from what he gets.
Aguytrying
#15 Posted : Tuesday, September 25, 2012 11:57:27 AM
Rank: Elder


Joined: 7/11/2010
Posts: 5,023
Ideal portfolio:

1. Stocks 30%
2. Bonds/t-bills 30%
3. real estate 15%
4. off shore fund 10%
5. foreign currency 10%
6. Fixed deposit account 5%

= 100%.

This is for a conservative investor who wants to diversify and spread/reduce risks and still get moderate returns. while preserving his/her wealth.

you're welcome
The investor's chief problem - and even his worst enemy - is likely to be himself
S.Mutaga III
#16 Posted : Tuesday, September 25, 2012 12:05:18 PM
Rank: Member


Joined: 3/26/2012
Posts: 813
Last piece of advice...now that you have a tidy sum,you will hear advice from geeks with all kinds of fomulas to increase it tenfold...remember the golden rule...dont put all the money in a single investment...no matter how enticing...3 to 5 would be good.
A successful man is not he who gets the best, it is he who makes the best from what he gets.
2012
#17 Posted : Tuesday, September 25, 2012 12:20:14 PM
Rank: Elder


Joined: 12/9/2009
Posts: 6,559
Location: Nairobi
guru267 wrote:
Put in KCB or HFCK..

It will be worth 14million in a years time while you earn a cool 60k per month just in dividends!

Nothing can beat that!



Are you sure? Double in one year? Why?

Stand for something or you will fall for anything. Today's mighty oak is yesterday's nut that held its ground. Rosa Parks
masukuma
#18 Posted : Tuesday, September 25, 2012 12:21:34 PM
Rank: Elder


Joined: 10/4/2006
Posts: 13,209
Location: Nairobi
Thanks guys - you have given me valuable information.
All Mushrooms are edible! Some Mushroom are only edible ONCE!
ProverB
#19 Posted : Tuesday, September 25, 2012 12:26:54 PM
Rank: Veteran


Joined: 3/12/2010
Posts: 1,199
Location: Eastlander
better still...whatever gave you the 7million....keep doing it. smile
..Let your light so shine before men, that they may see your good works, and glorify your Father which is in heaven...Matt5:16
- 1769 Oxford King James Bible 'Authorized Version
Jamani
#20 Posted : Tuesday, September 25, 2012 12:30:02 PM
Rank: Elder


Joined: 9/12/2006
Posts: 1,554
ProverB wrote:
better still...whatever gave you the 7million....keep doing it. smile


It could have been KQ..... anyway ditto above.. happy for you.smile
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