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Monday 08:00 - 17:00 Tuesday 08:00 - 17:00 Wednesday 08:00 - 17:00 Thursday 08:00 - 17:00 Friday 08:00 - 17:00

Nabo Capital, International House 5th floor, Nairobi (2026)

10/10/2026

Twendeni tupande miti!

Okay guys but seriously, we need to talk.

We all remember Tree Planting Day in primary school. Teacher hands you a seedling, you dig a hole with a jembe bigger than you, you give the tree a name, "Junior" or "Beyoncé," and you swear you'll water it every single day.

One week later? Closing day. Mbuzi wa jirani walks into the compound. And just like that, your career as an environmentalist was over.

Here's the thing though: planting is easy. Everyone plants. What separates a forest from a dry stick is who came back with the water.

Think about it. Planting comes with a crowd. Gumboots, a photo, someone in a reflector jacket giving a speech, a caption with five hashtags.

Watering comes with none of that. It's just you, a half-full jerrycan, a random Tuesday at 6am, and absolutely nobody clapping.

And that seedling doesn't need you on the day you plant it. That's the one day it's fine. It needs you three weeks later, in the middle of the dry spell, when the excitement is gone and you've forgotten what you even named it.

A tree has no idea how passionate you were on planting day. It only knows whether it got water this week.

And it's not just trees. That gym membership. That savings plan you opened in January with so much energy. That side hustle you were hyping. Most of what we plant doesn't die because it was a bad idea. It dies because nobody came back to water it.

So this Mazingira Day, panda mti. But the real flex? Come back in December and check if it's still standing.

Happy Mazingira Day from all of us at Nabo Capital!

10/10/2026

To the one who sits in the car for a few extra minutes before going inside.

To the one who replies "haha" when nothing is funny, because typing the truth felt like too much.

To the one everyone calls when things fall apart, but who can't remember the last time someone called just to ask about them.

To the one who is doing everything right on paper and still feels heavy, and doesn't quite understand why.

We see you.

You don't need a reason for feeling the way you feel. You don't have to wait until it's "bad enough" to deserve care. Tired is enough. Overwhelmed is enough. "I don't know what's wrong" is enough.

Some days, getting through is the whole achievement. Showering counts. Replying to one message counts. Lying on the grass with your eyes closed for ten minutes counts.

And if someone came to mind while you read this, send the text. Not "are you okay?" Just: "Thinking of you. No need to reply." Sometimes the kindest thing is not having to make someone explain.

Your mind matters. Your life matters. You matter. Not because of what you do for anyone, just because you are here.

10/10/2026

Nearly twenty years ago, our CEO Pius Muchiri worked alongside a young man you could hear before you could see. The loudest laugh in the office. The loudest Chelsea fan anyone had ever met. Every Wednesday evening he swung his rucksack over his shoulder and walked off to play football.

The office had a running joke about his "constituents," the relatives from upcountry who kept turning up at reception asking for him by name. He laughed at it harder than anyone.

One March morning, after Chelsea had been thrashed, everyone came in ready for him. The jokes were lined up. Nine o'clock passed. Ten. Eleven. Twelve.

When he finally walked through the door, he wasn't laughing.

The night before, after football, he had fallen so ill he could barely breathe. By morning, the doctors had told him he did not have long.

The day before, he had been running on a pitch. By July, his colleagues were standing at his graveside in western Kenya. He was thirty-nine.

That is where they finally met his constituents.

His mother had raised ten sons. That day, she was burying her ninth. One by one his elder brothers had gone before him, each leaving a widow and children behind. And every one of them had quietly turned to the youngest son. The man the office teased. He had been carrying an entire family, and he never once let the weight show on his face.

Every joke about his constituents suddenly sounded different.

On his beneficiary form he had written four names. His wife. His son, in Standard Four. His daughter, just starting nursery. And his mother, now raising a houseful of grandchildren on her own.

It was not a fortune. But it was everything he had.

What worried the team most was his mother. In a village, money everyone can see doesn't last, and sometimes neither does the person holding it. So they set up trusts for the two children's education, and, with her agreement, one for her too, set aside to educate the grandchildren she had inherited along with her grief.

Then the money did the most powerful thing money can do.

Nothing.

No emergency could reach it. No relative could borrow it. No good idea at the wrong moment could spend it. It simply grew. And every school term, the growth paid the fees.

At the start of each term, Pius would sign the school fees cheque himself. Of everything in his calendar, he says it was the moment he looked forward to most.

The little boy from Standard Four finished school, then university, and one day walked into our office as an intern. Into the same building his father used to walk into with that rucksack. The little girl from nursery has just finished high school, her trust still intact, as if her father never left. And his mother educated every last one of those grandchildren. Every one of them now stands on their own. She passed on this year, her work complete.

The money he left behind is still there. All of it. Plus more. Those children were educated by the growth of the growth.

A man has been providing for his family for almost twenty years after his death.

Most of us, alive and earning, cannot say that about our money. Because we interrupt it. A wedding. A plot a cousin swears by. A loan that will be repaid "next month." Wealth is rarely destroyed by bad decisions. It is destroyed by a steady stream of reasonable ones.

He had one advantage over all of us. He could no longer interrupt his money.

That is the lesson that changed how we invest at Nabo. No one should have to die before their money is allowed to work. Investing with purpose means drawing that line while you are still here. Decide what the money is for. Protect it from every reasonable request. Live from the fruit and leave the tree standing.

Somewhere in your life, someone is quietly leaning on you, the way a whole family leaned on him.

It is time you found your purpose.

Tune in!

09/10/2026

The 6.5 Million Shillings He Didn't Know He Had!

The call came from Bahrain.

A Kenyan man, freshly posted abroad, wanted to start investing. He asked Pius Muchiri what the minimum was. At the time, it was one million shillings.

Before he could finish saying that's too much, Pius stopped him. "How much do you have?"

"Twenty thousand."

Pius made him an exception. One condition. Every month, without fail, he would putsomething into that account. He committed to twenty thousand a month.

Three years later, they sat down to review his portfolio.

It stood at 7.2 million shillings.

Now do the maths. Twenty thousand a month for thirty-six months is 720,000. Even with good returns, that does not become seven million. Markets do not perform miracles.

So where did the other six and a half million come from?

It came from him.

From the M-Pesa balances that used to evaporate by the end of every month. From the year-end bonus that used to dissolve into nothing anyone could remember. From a fifty-thousand-shilling speaking fee. From a dividend on shares he had completely forgotten he owned. From a two-hundred-thousand chama payout that, in any other year, would have simply been spent.

None of this was new money. It had always been passing through his hands. The only difference was that, for the first time, it had somewhere to go, and someone was counting.

That is the moment he understood something most people never will.

He had never been as broke as he thought. He had been leaking.

Here is the uncomfortable truth. Most people plan their entire financial future around their payslip. They decide what they can afford, what they can save, what is "realistic," all based on that one number.

But the payslip is the smallest number in your financial life.

It does not include the side income, the gifts, the refunds, the bonuses, the forgotten investments, the money that arrives in pieces and leaves without a trace. Add it all up over a year and, for many people, it rivals the salary itself. It is just invisible, because nobody is tracking it.

And money you cannot see does not stay. It drifts. It becomes idle, then it becomes gone.

The moment you start tracking, something strange happens. The mind starts hunting. A fee lands and the first thought is no longer what will I buy, it is if I push this in, I double this month. Tracking does not just record your money. It changes how you think about every shilling that arrives.

So before you say you don't earn enough to build wealth, answer one question honestly:

How much money passed through your hands this year that you cannot account for?

Most people are not underpaid. They are under-counted.

Tune in!

09/10/2026

Anyone who has lived through water rationing in Nairobi knows something most finance books never teach.

You learn very quickly not to keep all your water in one place.

There's the jug on the kitchen counter, for drinking right now. There are the jerrycans lined up in the bathroom, filled the moment the taps come back on, for the days when nothing comes out. And if you're lucky, there's the big tank on the roof or behind the house, for the long dry spells when the water company goes silent for a week.

Three levels. Three purposes. Everybody in the house knows which one to reach for.

Nobody tries to carry the whole tank around in a glass.

And nobody climbs onto the roof every time they want a drink.

Money works exactly the same way.

You don't need every dollar to be liquid. You need the right dollars to be liquid.

Liquid simply means money you can reach quickly when you need it. And most people get this badly wrong in one of two directions.

Some keep everything in the glass. Every dollar sits in their current account, instantly available, doing nothing. It feels safe because it's right there. But money that's always within reach is also money that's always within reach of spending, of drifting, of disappearing a little at a time. And it isn't growing at all.

Others lock everything away in the tank. Long-term investments, property, money tied up for years. It feels responsible. Until the emergency arrives, the client pays late, the school fees land early, and suddenly they're thirsty with no way to get a drink. So they borrow, at a price, against their own wealth.

Both mistakes come from the same place: treating all money as if it has the same job.

The wise household doesn't ask, "Should my water be close or far away?"

It asks, "Which water do I need close, and which can go further away?"

Do the same with your dollars.

The glass is your everyday money. What you'll spend this month. Keep it close, in your regular account.

The jerrycans are your reserve. Money you might need at short notice: emergencies, opportunities, slow months, a bill that comes early. This money needs to be reachable, but it doesn't need to sit idle.

The tank is your long-term money. Money for goals years away, where you can afford to let it be less accessible in exchange for more room to grow.

That middle layer, the jerrycans, is where most people have nothing at all. And it's exactly where the Nabo Africa Money Market Fund (USD) fits.

Your reserve stays in dollars. It's low risk and professionally managed. You can reach it when you need it. And unlike the jerrycans in the bathroom, it doesn't just sit there waiting for a dry day. It keeps working while it waits.

Imagine water that topped itself up a little every day you didn't use it.

That's the difference between storing your dollars and placing them.

So look at your money the way you'd look at your water during rationing season.

What's in your glass?

What's in your jerrycans?

What's in your tank?

If everything is in one place, you are either about to spill it or about to go thirsty.

Keep the right dollars close. And let the rest go where they can grow.

Start building today. Download the App.
Google Play Store: https://ow.ly/EiPF50ZvLLM
App Store: https://ow.ly/Jea750ZvLLP

09/10/2026

Think of the best thing in your life right now.

Not the most expensive. The best.

Maybe it's a friend who has been with you for twenty years. Someone you could call at two in the morning and they'd simply say, "Niko njiani."

Maybe it's your marriage. The ease of sitting in silence with someone who knows you completely.

Maybe it's your child's trust. The way they still run to you when something goes wrong.

Maybe it's your health. The fact that at this age, your body still carries you up the stairs without complaint.

Now ask yourself a strange question.

How much did it cost?

None of those things were bought. You never walked into a shop and paid for a twenty-year friendship. There's no price tag on a child's trust.

But none of them were free either.

That friendship exists because of a thousand small deposits. The visits when you were tired. The calls when you had nothing important to say. The wedding you travelled for. The funeral you showed up at. Two decades of small, unremarkable effort, most of which felt like nothing at the time.

Your child's trust was built at bedtimes, at school gates, in arguments you handled with patience instead of anger.

Your health at sixty is being paid for by the walks you take at thirty-five.

Every best thing in your life has the same story. It wasn't a purchase. It was an investment. Small deposits, made consistently, into something living, over a long time.

And somewhere along the way, it started paying you back far more than you put in.

That is exactly how equity investing works.

When you invest in the Nabo Africa Equity Fund, you are making small, consistent deposits into something living. Some years will be hard. It's high risk, and there will be seasons when it feels like nothing is working. The people who do well are the ones who treat it the way they treat the people they love. They keep showing up. They stay through the difficult stretch. They give it time.

And time does what it always does with things that are cared for consistently.

It makes them bigger than the effort that went into them.

So the real reason most people struggle with money isn't that they don't know how to invest.

It's that they treat money as the one area of life where they expect a transaction instead of a relationship.

They want to put something in on Monday and see results by Friday. They would never treat a friendship that way. Or a marriage. Or a child.

You already know how to invest.

You've been doing it your whole life, with everything you love.

Now do it with your money too.

WhatsApp 'GROWTH' today to 0709368700. Let's show you what this fund can do.

09/10/2026

"We have become so afraid of losing money that we have learned to lose it without touching it." Pius Muchiri

My mother kept money in a sugar tin.

Many of us grew up with one in the house. A tin. A kibuyu. An envelope under the mattress. A small bundle tied in the corner of a leso. That money was sacred. Nobody touched it.

And I understand why. That generation was burned. Someone's uncle put his savings into a scheme that promised to double it, and it disappeared. A neighbour bought land that turned out to belong to three other people. A sacco collapsed and took years of sweat with it.

So they made a decision, maybe without saying it out loud: never again. Keep it close. Don't trust anything you can't hold in your hand.

And then they passed that decision to us.

Here is what I've come to believe. Our parents learned the wrong lesson from the right pain.

They didn't lose money because they put it to work. They lost it because they trusted what they didn't understand. Those are two very different things. The cure for trusting blindly is understanding, not hiding. But we skipped that part. We inherited the fear and left the lesson behind.

That is how we became people who lose money without ever touching it.

Let me explain.

Fear is a terrible accountant. It only records the losses it can see. It will remember the one time you lost 10,000 shillings for the rest of your life. But it will never write down what your money could have become in the ten years it sat still. It never records the business you didn't start because you were "waiting to have enough." It never records the course you didn't take, the skill you didn't buy, the opportunity you watched someone else walk into.

Those losses are real. They are just written in invisible ink.

And because we can't see them, we think we are winning. We say, "At least I still have my money." But do you?

Think about it. When you hold something so tightly that you can't move, who is holding who?

I've met people with good savings who can't sleep, because every rumour in the market makes their heart race. I've met people who have saved for twelve years and still can't answer one simple question: what is this money for? The money has become a fortress. And they are living inside it, guarding it, afraid to open the gate.

That's not security.

Now, I won't tell you that fear is useless. Fear is information. It tells you, pay attention, there is something here you don't understand yet. Good. Listen to it. But fear is information, not instruction. It's supposed to make you curious, not frozen.

When fear says don't, the wise person asks why? And then goes and finds out.

Ask how it works. Ask who regulates it. Ask what can go wrong. Ask until the fog clears. Most of the time, what you were afraid of wasn't the thing itself. It was the not knowing.

And here's the part that nobody tells you: you will pay for your financial education either way. You can pay in small amounts while you are learning. Or you can pay later, in years you will never get back. Tuition or regret. Those are the only two options. Everybody pays.

So let me ask you, and be honest with yourself.

Which fear have you been obeying? Is it yours, or did you inherit it?

We honour our parents' pain by learning from it, not by repeating it. They protected what they had because they didn't have the tools we have. We do. We have information. We have regulated institutions. We have the ability to ask, to compare, to start small and grow.

The generation before us survived by holding on.

Our generation will grow by learning when to let go, carefully, wisely, and on purpose.

Open the tin.

08/10/2026

Chamas Are a Trap!

There is nothing that carries warmth in a Kenyan life like a chama meeting. Friends, colleagues or neighbours gather every month, contributions are counted, and someone goes home with a lump sum they could never have saved alone. For many families, the chama paid school fees, started a business or finished a house. It has changed lives, and it deserves respect for that.

But there is a quiet problem inside the most common kind of chama, the merry-go-round, and most members never notice it because it hides inside the very thing they love about it.

Consider how a merry-go-round actually works. You contribute every month. Your turn to receive might come in January, but you have been paying in since August. For all those months, your money has been travelling from hand to hand, and in all that time it has not earned a single shilling. When your turn finally comes, you receive exactly what the group put in. The money moved a great deal. It did not grow at all.

That is the first part of the trap. Movement feels like progress. Money is being collected, recorded and passed on, so it seems as though something productive is happening. But money changing hands is not the same as money multiplying. A merry-go-round can run faithfully for ten years and leave every member with nothing more than what they contributed.

The second part of the trap arrives on payout day.

The lump sum lands in your hand as cash or on your phone, and suddenly every need you had postponed comes forward at once. The kitchen still isn't finished. There is crockery to buy. As Pius Muchiri observes, half of that money can be gone before you even get home. The chama did the difficult work of making you save, month after month, and then handed the money back to you at the very moment you were most likely to spend it.

This is the heart of the matter, and Pius puts it simply: a merry-go-round is a way of mobilising money, not a way of managing it. It is excellent at gathering. It was never designed to grow. The trap is not the chama itself. The trap is believing that because your money has been gathered, it has been taken care of.

The good news is that the solution does not require anyone to leave their chama. It requires the chama to grow up.

Start by treating the chama as an entity that pays itself first. Before money goes around the circle, a portion can be set aside and invested in the group's name, so that the chama itself builds something over time, and members eventually share in what it earns.

Next, change what happens on payout day. Instead of handing a member 100,000 shillings in cash, the group sends it straight into her money market fund account. The announcement changes from "here is your money" to "we have sent 100,000 shillings to your investment account." It sounds like a small difference. It is not. The money begins earning the same day, and it is no longer sitting in her pocket waiting for the next emergency to claim it.

Even the smaller amounts deserve this care. Many chamas set aside a few hundred shillings each month for a group trip or a year-end event. That money will not be needed for months. There is no reason for it to sit idle while it waits.

That is what an upgraded chama looks like. The same people, the same tea, the same monthly meeting, but a different conversation. Members stop asking only how much was collected and start asking what the money earned. The pride shifts from the size of the payout to the size of the return.

So the next time your chama meets, ask the question that almost nobody in the room is asking: after all these months of faithful contributions, what has our money actually earned?

If the honest answer is nothing, the chama has not failed you. It has simply done the only job it was built for. Managing the money was always going to be your job.

Welcome to today's

08/10/2026

When your business was small and fragile, every shilling mattered. There were months you didn't know if you'd make payroll. Months you paid suppliers late and prayed they wouldn't call. Months when you personally lent the business money just to keep the lights on.

Back then, watching the balance was survival. Seeing money in the account meant you were going to be okay for one more week.

Then the business grew.

The contracts got bigger. The team got bigger. The dollars started coming in from clients you used to dream about.

But the habit stayed.

You still need to see the money to feel safe. A big number in the current account still calms something in your chest that never fully healed from those early months.

That's the thousand-dollar mindset. Not a lack of money. A lack of trust that money can be safe anywhere you can't stare at it.

Because you need to see it, you keep it all in one place. Because moving it feels like losing control, you don't move it. Because the number comforts you, you protect the number instead of growing it.

The money that makes you feel safe is quietly keeping your business small.

But, seeing your money is not the same as controlling it.

Control is knowing exactly where every dollar is, what it's doing, and how fast you can reach it. Control is having your operating cash where operations need it, and your reserve somewhere professional, accountable and working. Control is a statement you can read, not a balance you stare at.

That's what the Nabo Africa Money Market Fund (USD) gives a business. Your reserve stays in dollars. You can see it, track it and call it back when you need it. The only thing that changes is that it stops being a comfort blanket and starts being an asset.

The early version of you needed that balance to survive.

The business you've built today needs something different. It needs you to trust a system more than you trust your eyes.

You've outgrown the fear. Now, let your cash grow up with your business.

Start building today. Download the App.
Google Play Store: https://ow.ly/EiPF50ZvLLM
App Store: https://ow.ly/Jea750ZvLLP

08/10/2026

Money can't buy sleep.

But ask anyone lying awake the night before school opening day, doing sums in the dark, and they'll tell you: the lack of money can take it from you.

Money can't buy peace.

But a loan app calling at 7am can shatter it before you've even had breakfast.

Money can't buy your father's last good years.

But not being able to take a week off, or afford the bus fare home, can quietly cost you every one of them.

Money can't buy dignity.

But having to make that phone call, the one where you ask someone for help and hear the pause before they answer, can wear it down a little more each time.

Money can't buy a calm voice when your child asks for something.

But it decides whether that voice says "Sure, let's do it" or "We'll see."

Yes, money can't buy the best things in life. But the absence of money can take them from you.

That's what we mean when we call the Equity Fund a ticket to a life money can't buy.

Investing builds something in the background that stands between you and the things that steal your peace. So that when your father calls and says he isn't feeling well, you can simply go. So that school opening day is just a day.

The Nabo Africa Equity Fund is built for exactly that kind of long-term protection. It gives your money the chance to grow into something strong enough to guard what matters most.

WhatsApp 'GROWTH' today to 0709368700. Let's show you what this fund can do.

Nabo Capital

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