Market Cap Trainers

08/05/2026

Profit is not the same thing as cash

08/05/2026

➢ Total share appreciation: KES.10.60. This derived from difference of the closing share price as at 31 March 2016 and closing share price 31 March 2026. The contribution of capital gain to the total nominal gain of KES 24.20 was 43.80% ( 10.60/(10.60+13.60)*100%) and 78.49% of the cumulative nominal return.
➢ Total dividends last ten years: KES. 13.60. Therefore dividends contributed 56.20% (=13.60/24.20*100%) of the total nominal gain in the period 2017 to 2026 and 100.71% of cumulative nominal return.
➢ Cumulative inflation:77.08% (Nominal CAGR of 5.88%) in the period March 2017 to March 2026. This implies that KES.100.00 of savings in March 2026 could only be able to buy what KES.56.47 might have bought in March 2017.
➢ Real Cumulative Return: 57.67% ( purchasing power increase over the longer period) and Real CAGR: ~4.66%. After inflation (~77.08% cumulative), the real (inflation-adjusted) value is still ~ KES 157.67 (+57.67% real cumulative return).

08/05/2026

Strive Masiyiwa

08/05/2026

Continue buying KCB, add HFCK and Carbacid.

07/05/2026

Believe

06/05/2026

A growing online debate comparing returns from money market funds (MMFs) and real estate investments has sparked fresh scrutiny among Kenyan investors, with claims that MMFs outperform property on returns, liquidity, and ease of management.

The debate reflects a broader shift in Kenya’s investment landscape, where younger and more digitally savvy investors are increasingly questioning traditional assumptions around property ownership as the default path to wealth.

06/05/2026

Well,

05/05/2026

Why 25 and not 26 or 27 or 35??

Because it comes from something called the 4% rule, which is rooted in research known as the Trinity Study. It's not perfect, but it holds water.

The principle says:
If you have 25× your annual expenses saved/invested, you can theoretically withdraw about 4% per year and not run out of money for ~30 years.

So:

If you spend KSh 1,000,000 per year → you need about KSh 25,000,000 invested.

If you spend KSh 2,000,000 per year → you need about KSh 50,000,000 invested

05/05/2026

05/05/2026

TOTAL KENYA REAL TOTAL RETURNS 2016 TO 2025

05/05/2026

Always let your money circulate