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⚔️ We Guide You to FINANCIAL PEACE, So You Can Live the Life You DESIRE.

⚒Forging Financial Freedom, One Cent at a Time.

📑The 3MP Money Formula (Make, Manage, Multiply & Protect Money)

🚨Get Out Of Debt and Create Wealth To Build A Worthwhile Legacy.

09/11/2026

You Can Be Worth Ksh 37.5 Million and Still Live Paycheck to Paycheck.

Your NET WORTH doesn’t necessarily mean you’re WEALTHY or FINANCIALLY FREE.

It Could Be A Financial Trap.

Ask yourself:

If your salary stopped tomorrow, how much of your net worth would pay next month’s bills?

Meet Michael and Joseph.

Both earn Ksh 500,000 a month.

Both invest diligently.

Yet they would face a very different Monday morning if their salaries stopped.

Two choices set them apart.

1️⃣ How Much Of Their Salary Their Lifestyle Takes

Michael’s monthly budget is Ksh 450,000, leaving him Ksh 50,000 to invest.

Joseph lives on Ksh 300,000, leaving him Ksh 200,000 to invest.

Same salary. Four times as much room to build wealth.

2️⃣ What Their Investments Do For Them Today

Michael has a net worth of Ksh 37.5 million.

His home and undeveloped land account for Ksh 23 million in assets, and neither pays him a monthly income.

His investments generate about Ksh 45,833 a month, but his SACCO loan takes Ksh 67,000.

His net cash flow is negative Ksh 21,167.

Joseph has a net worth of Ksh 41 million.

His investments generate an estimated Ksh 255,000 a month.

After his loan repayment, that leaves him Ksh 210,000, enough to cover 70% of his monthly budget.

He still has a Ksh 90,000 gap to close.

Now imagine both men go three months without a salary.

Michael can own a Ksh 15 million home and still have to dip into his savings to buy groceries.

Joseph’s investments can already cover most of the lifestyle his salary pays for today.

This Is Where A High Net Worth Can Become A Financial Trap.

You keep buying assets that make you look wealthier on paper while your salary still has to do all the heavy lifting.

Investing diligently is commendable.

Where You Invest Matters.

Before you buy your next plot, ask yourself:

“Will this put money in my pocket? And if I need cash, how quickly can I access it?”

If your priority is financial freedom and the asset does neither, you can shelve it for later.

Build toward the point where your passive income can pay for the life you live.

That’s when working becomes a choice.

Do this:

Analyze your portfolio and see how you can adjust it to generate passive income.

Reach out to me, and we’ll come up with a solid strategy to help you achieve financial freedom.

📲 WhatsApp PASSIVE INCOME to 0703472299 To Get Started.

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 WhatsApp: 0703472299

06/11/2026

Best Performing Fixed Income Funds As at 2nd November 2026 ➖ (12 Funds Analyzed)

If you invested Ksh 35,000 every month in a good Fixed Income Fund earning an average 10% net annual return for the next 15 years, with contributions made at the beginning of each month...

You would have approximately Ksh 14,627,349.30.

You contributed only Ksh 6.3 million.

The remaining Ksh 8,327,349.30 is wealth created through the power of compounding!

This is why Fixed Income Funds (FIFs) remain one of the most overlooked investment opportunities in Kenya.

Everyone talks about Money Market Funds.

Very few people talk about Fixed Income Funds.

Yet these funds continue to quietly deliver impressive returns.

As at 2nd November 2026, only 4 of the 12 Fixed Income Funds analyzed delivered annualized net yields above 10% after tax.

The biggest difference?

MMFs mainly invest in short-term securities, while FIFs invest across both short- and long-term fixed-income assets, including:

➖ Treasury Bills, Treasury Bonds, Corporate Bonds and other approved fixed-income securities.

Here Are The Top Fixed Income Funds — After Tax:

1️⃣ Arvocap Almasi Fund ➖ 15.72%

2️⃣ Globtec Fixed Income Fund ➖ 11.28%

3️⃣ Zimele Fixed Income Fund ➖ 10.63%

4️⃣ Etica Fixed Income Fund ➖ 10.45%

5️⃣ Madison Fixed Income Fund ➖ 9.73%

Key Insights

The average after-tax yield across the 12 funds analyzed now stands at 9.75%.

The average gross market yield declined from 11.83% to 11.63%.

The biggest surprise?

Globtec Fixed Income Fund jumped from 11.27% to 13.27% gross, overtaking several established funds to claim second position!

Meanwhile, Arvocap Almasi remains the market leader despite experiencing a decline.

Top 3 Gainers This Period

✔️ Globtec Fixed Income Fund: +2.00 percentage points (11.27% → 13.27%)

✔️ NCBA Fixed Income Fund: +1.08 percentage points (6.11% → 7.19%)

✔️ Kuza Fixed Income Fund: +0.49 percentage points (10.85% → 11.34%)

Biggest Decliners

🔻 Sanlam Fixed Income Fund: -2.90 percentage points (12.10% → 9.20%)

🔻 Arvocap Almasi Fund: -1.43 percentage points (21.74% → 20.31%)

🔻 ICEA Fixed Income Fund: -1.09 percentage points (11.48% → 10.39%)

Macroeconomic Update

📈 Inflation: 6.8% → 7.3%

Treasury Bill yields declined slightly:

🔸 91-Day: 8.77% → 8.75%

🔸 182-Day: 8.89% → 8.86%

🔸 364-Day: 9.04% → 9.03%

👉 The Central Bank Rate remained unchanged at 8.75%.

What Does This Mean?

Inflation has now climbed to 7.3%.

That should concern you!

If your investments consistently earn less than inflation, your purchasing power is quietly being eroded.

Your money must do more than simply grow.

It Must Grow Faster Than Inflation!

A well-selected FIF can be suitable for:

✔️ Children's Education

✔️ Home Construction or Purchase

✔️ Car Purchase

✔️ Retirement Planning

✔️ Financial Freedom Portfolio

✔️ Business Expansion

✔️ Medium- to Long-term Wealth Accumulation

The Secret Move

Don't automatically put all your money into Money Market Funds simply because they are popular.

Look at the numbers!

Move your money to a Fixed Income Fund

📲 WhatsApp me "BEST FIF" on 0703472299, And I'll Share My Favourite Fixed Income Funds.

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 WhatsApp: 0703472299

Best Performing Fixed Income Funds Report As At 2nd November 2026. 👇

05/11/2026

10 Best Performing Money Market Funds As at 2nd November 2026 ➖ (23 MMFs Analyzed)

If you invested Ksh 1,500,000 in an MMF earning 9% net annually, after 5 years you would have approximately Ksh 2,348,521.54.

That's Ksh 848,521.54 earned through monthly compound interest!

At a 6% simple-interest bank fixed deposit, the same amount would grow to Ksh 1,950,000.

👉 The MMF leaves you Ksh 398,521.54 better off!

This is why an MMF should be one of your core savings and investment accounts.

Here Is the Latest MMF Performance Update:

🏆 Top 10 Performers (After Tax)

1️⃣ Cytonn MMF ➖ 9.44%

2️⃣ Lofty Corban MMF ➖ 9.03%

3️⃣ Orient MMF ➖ 8.87%

4️⃣ Madison MMF ➖ 8.86%

5️⃣ Arvocap MMF ➖ 8.81%

6️⃣ Nabo MMF ➖ 8.77%

7️⃣ Jubilee MMF ➖ 8.73%

8️⃣ Kuza MMF ➖ 8.70%

9️⃣ Etica MMF ➖ 8.62%

🔟 Gen Africa MMF ➖ 8.42%

Key Insights

Only 2 MMFs crossed the 9% net return threshold!

The average after-tax return across the 23 MMFs analyzed stands at 7.86%.

📈 Biggest Monthly Improvements

✔️ African Alliance: +0.97 percentage points

✔️ Gen Africa: +0.64 percentage points

✔️ CPF: +0.46 percentage points

📉 Biggest Monthly Declines

✔️ Equity: -1.18 percentage points

✔️ Globetec: -0.82 percentage points

✔️ Nabo: -0.51 percentage points

Macroeconomic Update

👉 Inflation increased from 6.8% to 7.3%.

Treasury Bill yields declined slightly:

🔸 91-Day: 8.77% → 8.75%

🔸 182-Day: 8.89% → 8.86%

🔸 364-Day: 9.04% → 9.03%

👉 CBR remained unchanged at 8.75%.

What Does This Mean?

With inflation now at 7.3%, your investment returns matter more than ever!

If your MMF consistently earns below inflation, your purchasing power is quietly shrinking.

Aim for a fund that consistently beats inflation and compare its performance against the market average of 7.86% after tax.

An MMF is ideal for:

✔️ Emergency Funds

✔️ Sinking Funds

✔️ Business Cash Flow

✔️ School Fees Savings

✔️ Short-Term Financial Goals

✔️ Parking Cash Before Investing

Every shilling should have a job!

Stop leaving millions idle in bank accounts earning virtually nothing.

Your money should work just as hard as you do.

📲 WhatsApp "BEST MMF" to 0703472299 and I'll help you identify a suitable MMF based on your financial goals.

👇 How is your MMF currently performing?

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 WhatsApp: 0703472299

Money Market Funds Performance Report as at 2nd November 2026. 👇

04/11/2026

My Ksh 100,000 Stock Portfolio Has Lost Ksh 11,263 in Just 2 Months! ➖ But I'm Still in Profit! (1st November 2026)

The stock market is testing my patience again!

🔴 My Portfolio Has Dropped By Ksh 8,521.54 In Just ONE MONTH!

But I'm not panicking.

Let me show you what's happening.

When I started this challenge in March, I knew one thing:

The market would test my patience before rewarding it.

And that's exactly what's happening.

Here is how my portfolio has progressed:

📉 1st April: -Ksh 8,625.16 (Loss)

📉 30th April: -Ksh 3,151.28 (Loss)

📉 10th June: -Ksh 2,904.80 (Loss)

📈 1st July: +Ksh 2,797.58 (Profit)

📈 1st August: +Ksh 9,037.68 (Profit)

📈 1st September: +Ksh 14,968.82 (Profit)

📈 1st October: +Ksh 12,221.94 (Profit)

📈 1st November: +Ksh 3,700.40 (Profit)

Look at that!

In September, I was sitting on almost Ksh 15,000 in unrealized profits.

Two months later, that profit has shrunk to just Ksh 3,700.

That's a decline of Ksh 11,268.42 from the September peak!

My Portfolio Snapshot

💰 Total Investment: Ksh 100,005.50

✔️ Current Portfolio Value: Ksh 103,705.90

✔️ Unrealized Profit: Ksh 3,700.40

📈 Overall Return: +3.70%

And here is what happened in October.

ALL FIVE Stocks Declined In Price!

🔴 KCB Group: Ksh 91.50 → Ksh 86.25 (-5.74%)

🔴 Kenya Re: Ksh 4.42 → Ksh 4.10 (-7.24%)

🔴 Stanbic Holdings: Ksh 280 → Ksh 257 (-8.21%)

🔴 Absa Bank: Ksh 33.20 → Ksh 29.95 (-9.79%)

🔴 Safaricom: Ksh 36.50 → Ksh 34 (-6.85%)

Not a single stock escaped the decline!

And something else has changed.

Stanbic Holdings and Absa Bank are now trading below my original purchase prices.

But KCB, Kenya Re and Safaricom remain profitable.

Now, here is the lesson.

A GOOD INVESTMENT STRATEGY IS NOT TESTED WHEN PRICES ARE RISING.

It is tested when prices are falling.

Anyone can celebrate a rising portfolio.

But can you remain disciplined when your gains start disappearing?

That's where investing becomes interesting.

For me, a falling share price is not automatically a reason to sell.

I first ask:

👉 Have the company's fundamentals changed?

👉 Is the business still profitable and financially sound?

👉 Does the current price offer an attractive valuation?

👉 Does the investment still fit my strategy?

If the investment thesis remains intact, I have no reason to panic simply because prices have fallen.

Remember: A falling share price is not necessarily a failing business.

I'm still running this challenge through Ziidi Trader on the Safaricom OneApp.

Let's see what November brings!

Now tell me:

Would you BUY MORE, HOLD or SELL when your portfolio drops like this?

➿➿
➖ Alex Mwangi | The Cent Warrior📲 WhatsApp 0703472299

⚠️ Disclaimer: Investing in the NSE carries risks. This is for educational purposes, not personalized investment advice.

03/11/2026

Investing Ksh 50 Million For Ksh 500,000 Monthly Passive Income ➖ Which Investments Would I Choose?

I will keep this simple.

My client is 50 years old and has accumulated Ksh 50 million.

His goal?

👉🏾 Over Ksh 500,000 in monthly passive income.

Here are the two options I proposed.

🟢 PORTFOLIO ONE: THE CONSERVATIVE OPTION

The priority was to preserve his capital while generating income.

I selected five investments:

✔️ Arvocap Almasi Fund

✔️ Mansa-X Special Fund

✔️ Infrastructure bonds

✔️ Arvocap Ngao Fixed Income Fund

✔️ Etica Fixed Income Fund

This portfolio leaned towards fixed-income investments, with an allocation to Mansa-X to improve its return potential.

Conservative does not mean risk-free.

Capital preservation was the goal, not a guarantee.

You can see the allocation in my analysis below.

➖Projected monthly equivalent: Ksh 587,041.

🟠 PORTFOLIO TWO: THE MODERATE OPTION

Here, I added more growth potential,and more risk.

The investments were:

✔️Arvocap Thamani Equity Fund

✔️ Mansa-X Special Fund

✔️ Arvocap Almasi Fund

✔️ Infrastructure bonds

✔️ Arvocap Ngao Fixed Income Fund

Mansa-X received a larger allocation, while Thamani added exposure to the stock market.

The trade-off?

Greater return potential, but more fluctuations, making steady income harder to plan around.

➖Projected monthly equivalent: Ksh 739,019.

My client chose Portfolio One: the Conservative Option.

Why?

His priority was dependable income and capital preservation.

The lesson for you?

Choose a portfolio that serves your goal and matches the risk you can comfortably carry.

➖ These projections use assumed average returns and are not guaranteed.

Now, tell me:

How Would You Allocate Ksh 50 Million For Dependable Passive Income?

📲 WhatsApp me on 0703472299, And I Will Help You Create Your Own Portfolio.

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 WhatsApp: 0703472299

02/11/2026

Living Within Your Means Is Good Advice➖ Stopping There Could Be Your Biggest Financial Mistake.

Your financial advisor recommends it.

Your pastor echoes it.

Your parents insist on it.

And yes, I’ve also told you:

“Live within your means.”

It is sound advice.

But it is an incomplete wealth-building strategy.

Let me explain.

You earn Ksh 100,000 a month.

Your bills, food, transport, school fees and other expenses consume the entire Ksh 100,000.

You haven’t borrowed. Your bills are paid.

Technically, you are living within your means.

✔️But How Much Of That Income Is Building A Future Beyond Your Next Payday?

You can spend years earning, paying bills and staying out of debt,

Yet still have little to show for all your hard work.

And if your income stays the same while your living costs rise, the breathing room gets smaller.

One unexpected expense could push you into borrowing.

So, live within your means.

But build these two habits into how you use your money:

1️⃣ Use Part Of Your Income As A Seed For Wealth.

Every payday, some of your money should build your future.

This is paying yourself first.

Make it a planned allocation, instead of hoping something will remain after everyone else has been paid.

🔹 Start with an amount you can sustain.

🔹 Build your emergency reserve.

🔹 Invest consistently towards your financial goals.

🔹 Grow your contributions as your income increases.

Your Income Should Support The Life You Live Today And Help Fund The Life You Want Tomorrow.

Over time, the goal is to build assets that can carry more of your expenses, giving you greater freedom over your time and choices.

2️⃣ Work On Increasing Your Means.

There is a limit to how much you can cut from your expenses.

Give income growth deliberate attention too.

Ask yourself:

“What skill, problem or opportunity can I work on to increase the value I offer, and what I earn?”

That could mean improving your professional skills, negotiating better pay, growing your business or developing an additional income stream.

Then comes the discipline:

When Your Income Grows, Increase The Amount Building Your Wealth Before Increasing The Cost Of Your Lifestyle.

Otherwise, a bigger income can simply finance bigger bills.

You earn more.

You spend more.

And financial freedom remains a moving target.

Living within your means gives you a foundation.

Using part of those means to build assets, and deliberately growing your earning capacity, helps you move forward.

Stay Guided my Friend.

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 WhatsApp: 0703472299

30/10/2026

Education Policy vs Education Cash Trust Fund ➖ How to Build a Ksh 1M-a-Year School Fees Machine in 15 Years

➖ You should never worry about your child’s education the way most parents do.

Right now, many parents are running helter-skelter trying to secure Grade 10 placements.

The painful truth?

Most never planned for the fees.

They will borrow.

They will sell assets.

They will panic.

➖This is where you never want to be.

There is the prepared parent—the one who took an education policy early.

They have some cash. Enough to cover a few years.

That is good.

But it is not optimal.

Today, let me show you an evergreen education strategy—

➖One that funds senior secondary, university, and still leaves your capital intact.

You build once.

You enjoy forever.

That is sustainability.

🔵 The Goal

Create an education fund that:

✔️Pays school fees annually

✔️ Preserves your capital

✔️ Can be reused for another child

✔️ Can later be transferred to retirement or inheritance

🟩 Case Study: Rose

🔹 Age: 36

🔹 Monthly contribution: Ksh 20,000

🔹 Time horizon: 15 years

🔹 Goal: Never worry about school fees

Option 1️⃣: Education Policy (Conventional Route)

Rose saves Ksh 20,000 monthly for 15 years.

🔸 Total contributions: Ksh 3,600,000

🔸 Maturity value: Ksh 4,423,678

🔸 Bonuses: Ksh 850,184

🔸 Total: Ksh 5,273,862

Actual growth: Ksh 1,673,862

Yes, the policy offers protection.

If Rose passes on, the education goal is still met.

But once the money is used, the plan ends.

Back to the drawing board for the next child.

Option 2️⃣: Cash Trust Fund (My Strategy)

A Cash Trust Fund works like a money market fund, with legal protection.

✔️ Funds bypass probate

✔️ Protected from creditors

✔️Locked strictly for beneficiaries

If Rose invests Ksh 20,000 monthly for 15 years at 12% compounded:

🔸 Total value: Ksh 10,091,520

🔸 Growth: Ksh 6,491,520

🔸 Extra gain over policy: Ksh 4,876,999

Annual passive income at 12%:

➖Ksh 1,210,982 every year

School fees are paid from interest only.

The Ksh 10M capital remains intact.

(Note: The 12% return is assumed)

✅Making It Foolproof

Rose adds a Whole Life Insurance Policy:

👉🏽Sum assured: Ksh 10M

👉🏽Premium: ~Ksh 6,100 monthly for 15 years

This becomes:

✔️Protection

✔️ Inheritance

✔️ Education backup

🟢The Verdict

👉🏽Education Policy = Temporary Relief

👉🏽Cash Trust Fund + Whole Life Insurance = Permanent Solution

That is why I advocate for Option 2.

If you don’t know how to structure this properly,

WhatsApp me “EDUCATION STRATEGY” to book a session, and I’ll guide you step by step.

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 WhatsApp: 0703472299

29/10/2026

You Could Be Closer to Financial Freedom at 60 Than You Think ➖Check Your Pension Fund

➖What if all you needed to retire well was your pension contribution?

It sounds unrealistic, until you see the numbers.

Let me explain.

Most clients who come for my Money Makeover Sessions are between 40–50 years old.

Almost all of them feel the same way:

👉 “I’m running out of time.”

👉 “I don’t think my retirement is secure.”

Then we review their pension.

We project the growth from now to retirement.

And the story changes completely.

In many cases, we discover they already have enough to sustain a decent lifestyle at retirement, even without any other investments.

This is why pension contributions are a core financial foundation pillar I strongly advocate for.

It’s clearly embedded in my 8 Pillars System for Sustainable Wealth Creation.

A pension grows:

✔️Quietly

✔️Consistently

✔️ Automatically

You don’t feel it.

You don’t touch it.

And one day, it’s ready.

Here’s the beauty of a pension fund:

1️⃣ You can’t access the money until retirement, so discipline is built in.

2️⃣ It’s one of the most protected financial vehicles, backed by government regulation.

3️⃣ You’re unlikely to lose this money.

That makes it one of the safest and most reliable ways to secure your retirement during your productive years.

Let me show you with a real example.

Jane, 45 years old, came to me worried about retirement.

When we reviewed her numbers:

🔹 Pension balance: Ksh 7 million

🔹 Monthly contribution: Ksh 35,000

🔹 Employer match: Ksh 35,000

Total monthly contribution: Ksh 70,000

Her goal:

👉 Ksh 500,000 monthly passive income at age 60

That meant she needed about Ksh 60 million in 15 years.

With her current contributions alone—she gets there.

No extra effort.

No heavy lifting.

No stress.

Jane doesn’t need to force anything.

Her pension will comfortably take care of her lifestyle.

And that’s just the foundation.

On top of this, Jane is building additional passive income streams, meaning she could achieve financial freedom before 60.

My mantra is simple:

👉 Start with the low-hanging fruit before chasing the hard things.

If you’d like me to review, optimize, and project your pension, and help you structure a full financial freedom system

📲 WhatsApp me “PENSION” to book a session.

I’m here to handle the hard stuff…

So, you can focus on what truly matters.

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 WhatsApp: 0703472299

28/10/2026

Grace Retires With Ksh 191 Million. Jane With Ksh 20.9 Million ➖ What Happened?

I want you to listen carefully to today’s lesson.

Your days of watching from the sidelines as others prepare for their future need to end today.

Meet Grace and Jane.

At 25, they had the same income and similar responsibilities.

Same information.

Different decisions.

Grace committed Ksh 50,000 monthly to her pension and structured her lifestyle around what remained.

Jane thought she still had time.

So she enjoyed life, stretching her income to the last cent to maintain her lifestyle.

Her favourite promise?

✔️ “I Will Start Saving When I Earn A Better Salary.”

But every salary increase came with a lifestyle upgrade.

She finally started at 45, contributing the same Ksh 50,000 monthly.

Twenty years had slipped away.

Let’s see what their retirement funds could look like at 60, assuming a 10% annual return, compounded monthly, with contributions made at the beginning of each month.

🟢 GRACE — STARTED AT 25

🔹 Investment period: 35 years

🔹 Total contributions: Ksh 21,000,000

🔹 Investment growth: Ksh 170,413,835

🔹 Projected retirement fund: Ksh 191,413,835

🟠 JANE — STARTED AT 45

🔸 Investment period: 15 years

🔸 Total contributions: Ksh 9,000,000

🔸 Investment growth: Ksh 11,896,213

🔸 Projected retirement fund: Ksh 20,896,213

Look at that!

Grace contributed Ksh 12 million more, but her projected retirement fund is over Ksh 170 million larger!

✔️ That Is The Power Of Giving Your Money Time To Grow.

Grace’s investment growth alone exceeds Ksh 170 million.

Jane’s? — About Ksh 11.9 million.

Your starting age matters more than you think.

The earlier you start, the longer your money can work for you, and the less pressure you put on your future income.

From your first income, give yourself one important assignment:

✔️ Build A System That Will Eventually Pay You Without Requiring You To Work.

Open your pension account. Aim to contribute at least 10% of your income, then increase it as your earnings grow.

✔️ Pay Yourself First.

That is the seed you plant today for your future comfort.

And if you are already 45?

Start now!

Another five years of waiting will not help you.

Do Not Leave Your Old Age To Chance.

📲 WhatsApp me “PENSION” on 0703472299, and I will help you get started.

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 0703 472 299

27/10/2026

You Could LOSE Over Ksh 10 Million In The Next 20 Years From Your PENSION FUND Choice!

The return you get from your pension fund matters more than you think!

Let no one tell you otherwise.

What I am about to show you today could push you to make one of two decisions:

✔️ Transfer your pension savings to a fund that works better for you.

✔️ Open a pension account intentionally and put your money to work for your retirement.

Imagine you and your friend start saving in separate pension funds today.

🔹 Same contribution.

🔹 Same commitment.

🔹 Same timeline

🔹 20 years to retirement.

Every month, you both contribute Ksh 30,000 towards this financial goal.

You both benefit from the applicable pension tax relief.

But one decision sets you apart.

You choose a pension fund averaging 7% net annual returns, while your friend chooses one averaging 11%.

Assuming those returns hold, here is what your retirement pots could look like after 20 years:

➖ You: Ksh 15,718,961

➖ Your friend: Ksh 26,207,192

That is a Ksh 10,488,231 difference!

Same amount saved.

Same number of years.

Yet your friend could retire with over Ksh 10 million more!

Do you now see why the return matters?

Your discipline in saving is important.

But where you put those savings matters too.

Now, the decision is yours to make.

Review your current pension fund.

How has it performed over the last 10 years?

What are you earning after fees?

If the results do not satisfy you, reach out. I will help you review your options.

And if you do not have a pension fund, understand this:

You cannot build your retirement on the hope that someone will rescue you financially in your old age.

Start preparing while you still have an income.

📲 WhatsApp me “PENSION” on 0703472299, and I will help you get started.

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 WhatsApp: 0703472299

Address

Muthithi Road, Westlands
Nairobi
00100

Telephone

+254703472299

Website

https://centwarrior.com/

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