Practical guides covering money market funds, SACCOs, treasury bills, budgeting, insurance, digital loans, real estate, crypto, investments, business, retirement, and diaspora finance — all expert-backed, all free.
Serrari compares many Money Market Funds offered by licensed investment firms and banks in Kenya. These funds allow people to save and grow their money while keeping risk relatively low. Serrari tracks these funds so investors can compare returns and choose where to invest.
The cheapest car insurance in Kenya is Third Party Insurance. It covers damage or injury caused to other people, vehicles, or property, but it does not cover damage to your own car. Motor insurance in Kenya is regulated by the Insurance Regulatory Authority.
Kenyans living abroad can invest in Treasury Bonds by opening a DhowCSD account with the Central Bank of Kenya, submitting bids online, and sending funds from their overseas bank accounts. Treasury Bonds are issued by the Central Bank of Kenya and are one of the safest government-backed investments.
A mortgage is a loan used to buy property, where the bank pays for the house and you repay the loan in monthly installments over several years. In Kenya, mortgages are offered by banks and financial institutions regulated by the Central Bank of Kenya.
A common guideline is to save enough money to cover about 20–25 years of living expenses after retirement. Many financial planners recommend saving 10–15 times your annual income before retiring. The exact amount depends on your lifestyle, retirement age, and monthly expenses.
An emergency fund is money set aside to cover unexpected expenses like medical bills, job loss, or urgent repairs. Financial experts often recommend saving 3–6 months of living expenses in an easily accessible account.
To get out of digital loan debt in Kenya, you need to list all your loans, create a repayment plan, prioritize high-interest loans, and avoid taking new loans while paying off existing ones. Many digital loans are accessed through mobile platforms like M-Pesa, which makes borrowing quick — but repayment can become difficult if multiple loans accumulate.
To receive PayPal money in Kenya, you need to create a PayPal account, link it to a bank account or M-Pesa service, and withdraw the funds after receiving payment. PayPal is a global online payment platform operated by PayPal.
You can start a business with little money by choosing low-capital ideas, using skills you already have, starting small, and reinvesting profits as the business grows. Many successful businesses in Kenya begin with very small capital.
Yes, buying and selling cryptocurrency in Kenya is legal, but it is not officially regulated as a financial product like stocks or money market funds. This means people can trade cryptocurrencies, but investors must understand that they do so at their own risk.
Kenyans living abroad can open USD savings or investment accounts in Kenya through local banks. These accounts allow you to save and invest in US dollars, which helps protect your money from currency fluctuations. Many banks allow diaspora clients to open accounts remotely or through their diaspora banking services.
A SACCO is a regulated financial cooperative where members save money and access loans. A Chama is an informal savings group where members contribute money together to support each other financially. Both are popular ways Kenyans save and invest money collectively, but they operate differently.
You can start a money market fund in Kenya with as little as KSh 100. As of October 2026, 18 of the 27 CMA-regulated funds accept KSh 1,000 or less.
Money Market Funds in Kenya are generally considered low-risk investments. They invest in relatively safe instruments like Treasury Bills and bank deposits, and they are regulated by the Capital Markets Authority. However, like all investments, they are not completely risk-free.
Rental income is the money you earn from renting out property. To calculate your return, you compare the annual rent you earn with the total cost of the property. This helps you understand whether the investment is profitable.
Yes, in some cases you can withdraw your savings from the National Social Security Fund before retirement. However, withdrawals are only allowed under specific conditions, such as permanent disability, emigration, or reaching a certain age without employment. NSSF is mainly designed to support you after retirement, so early withdrawals are limited.
Both cryptocurrency and stocks are popular investments in Kenya. Stocks represent ownership in real companies, while crypto is a digital asset traded online. Stocks are generally more stable, while crypto can be more volatile but sometimes grow faster.
A chama is a group of people who regularly contribute money into a shared fund. The group then uses that money to save, lend to members, or invest together. Chamas are very common in Kenya and are often formed among friends, family members, colleagues, or community groups.
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