How I’d Invest KSh 100,000 in Kenya Today | MMF, T-Bills, SACCO, Skills & Side Hustles

How should you invest Ksh 100,000 in Kenya today?
In this step-by-step guide, I show you a smart, low-risk way to allocate KSh 100K across money market funds, Treasury Bills, SACCOs, skills, and a small side hustle—so your money is protected, liquid, and growing.

You’ll learn:
• The exact allocation I’d use for Ksh 100,000 (and two alternatives)
• How to build a simple T-Bill ladder for steady cashflow
• What to check before choosing an MMF or SACCO
• Kenya tax/fee basics (withholding tax, CGT) so you focus on net returns
• A 90-day timeline to set everything up—plus mistakes to avoid

Watch the full How I’d Invest playlist (500K → 10M)
   • How I Would Invest My Money in Kenya | Sma...  


Chapters
0:00 Intro
0:46 Ground Rules
2:38 My 100K Allocation
6:01 Why This Mix Works
7:21 Conservative vs Growth Portfolios
8:18 How I Pick MMFs, T-Bills, SACCOs
10:14 Kenya Tax & Fees (Quick)
11:06 90-Day Setup Timeline
12:16 Scenario Tweaks
13:13 Mistakes to Avoid
13:53 Wrap-Up

Disclaimer: Educational only. Not financial advice. Always research your specific providers and terms.