Nabo Capital

Nabo Capital A 3rd generation investment firm, with over 50 years experience of investing in Africa.

Somewhere along the way, you accepted a trade nobody actually offered you.Want safety? Then accept almost nothing. Want ...
04/08/2026

Somewhere along the way, you accepted a trade nobody actually offered you.

Want safety? Then accept almost nothing. Want real growth? Then accept sleepless nights.

So you chose safety. Put the dollars somewhere secure. And stopped asking what they were earning because you assumed the answer was always going to be not much, but at least it's safe.

That assumption is where your money went to sleep.

A USD money market fund exists precisely to break that trade.

It is the lowest-risk investment available. It holds short-term instruments; government paper, deposits with strong institutions, nothing exotic, nothing locked away. Your money stays liquid. You can access it when you need it.

So where does the better return come from, if not from taking more risk?

From size.

Your dollars alone have no weight. Nobody negotiates with a single account. But thousands of dollar accounts pooled together become a serious amount of money and serious money is offered terms that individual savers never see.

Same instruments. Same safety. Different treatment, because of who is standing at the table.

That is the whole mechanism. No cleverness, no hidden risk.

Just the difference between money someone is actively working on, and money nobody is.

Your dollars have been safe for years. They have also been asleep. Wake them up!

Open a USD account today!
Apple Store: https://ow.ly/Jea750ZvLLP
Google Play Store: https://ow.ly/EiPF50ZvLLM

We are wired to act.When something we care about is changing; moving up, moving down, doing something unexpected; every ...
04/08/2026

We are wired to act.

When something we care about is changing; moving up, moving down, doing something unexpected; every instinct we have says intervene. Check it. Adjust it. Move it somewhere safer. Do something. The idea of watching your money sit in an investment while the market does what markets do feels irresponsible, even when staying still is exactly the right call.

This impulse has cost investors more money than any market crash in history.

Because the returns that genuinely change your financial life do not come from constant activity. They come from the accumulation of time inside something good; uninterrupted, undisturbed, allowed to do what it was designed to do without someone pulling it apart every time the view gets uncomfortable.

The Nabo Africa Equity Fund is built on this truth. Our team does the active work; the research, the adjustments, the daily management of your portfolio; precisely so that you do not have to. So that the hardest thing you are asked to do is also the simplest: leave it alone. Not forever. Just long enough.

Long enough for the businesses inside your portfolio to grow their revenues. Long enough for the compounding to shift from invisible to undeniable. Long enough for you to open a statement one ordinary morning and feel something you did not expect; solid satisfaction of money that was trusted to work, and did.

The habit is simple. The discipline behind it is not. But the reward is real and it belongs entirely to the investor patient enough to let it arrive.

Talk to us on 0709368700 or email us on [email protected]. Let's show you what this fund can do!

Take a piece of paper. Write down every investment you currently hold. The plot. The fund. The shares. The money you put...
04/08/2026

Take a piece of paper. Write down every investment you currently hold. The plot. The fund. The shares. The money you put into your cousin's business. The SACCO.

Now, next to each one, write why you bought it.

If you are honest, some of those lines will not contain a reason. They will contain a name. Because Kariuki was buying. They will contain a moment. Because that was the year the bonus came. They will contain a feeling. Because everyone at that table seemed to know something I didn't.

That is the discovery I want you to sit with. There is nothing wrong with what you bought. The plot is real. The fund is well managed. The company is sound. You did not buy a bad asset. You bought a good asset for no reason, and that is a far more expensive mistake.

Now the hard part.

When you copied Kariuki, you did not know Kariuki's situation. You did not know his income, his debts, how long he could wait, or whether he was buying with money he could afford to leave alone for ten years. You copied his decision without copying his circumstances. You were never in the same position he was, so his good decision could never be your good decision.

When you bought in the year the bonus came, you were not investing. You were relieving pressure. The money had arrived and you did not want to be the kind of person who wastes money, so you did something responsible with it quickly. Speed felt like discipline. It was not. You were buying the feeling of being someone who invests.

And when you sat at that table and everyone seemed to know something, the truth is most of them did not. They were doing exactly what you were doing. Repeating what they had heard, hoping nobody asked a second question. You did not ask the second question either. That is how a room full of uncertain people talks itself into confidence.

Here is what all three have in common. You made the decision to stop a feeling. Anxiety, pressure, embarrassment. The asset was chosen to end that feeling, not to do a job for you over the next ten years.

So ask yourself the honest question. Do you have a portfolio, or do you have a collection of things you picked up in the various moments when you happened to have money and somebody happened to be talking?

The test is simple and you can do it today. Take any one thing you own and finish these three sentences out loud: I own this in order to ____. I intend to hold it until ____. I would let it go if ____.

If you cannot finish them, you have not made an investment yet. You have made a purchase, and you are waiting to find out what it was for.

Do not sell anything tomorrow. Do something harder. Go back and assign a reason to every single thing you own, and be willing to admit which ones cannot survive the exercise.

More on this on: https://ow.ly/g8Bh50Zvn8V

04/08/2026

In 2021, a man walked in with a decision already made.

He had land in a good neighbourhood. He had a young family and wanted them to grow up in a home of their own. The bank had already approved him; twenty years, roughly 250,000 shillings a month.

He was not being foolish. He was being a father. Everything about the decision made emotional sense.

Then his adviser asked one question that changed the next two decades of his life. What if you delayed by four years?

The arithmetic was simple, and nobody had ever laid it out for him.

Instead of sending 250,000 to the bank every month for twenty years, send it into a portfolio. Same amount. Same discipline. Same standing order, just pointed somewhere else.

The projection said four and a half years to reach the full cost of the house. Four and a half years of patience, against twenty years of debt.

Then something happened that the plan did not predict. His wife saw it. Understood it. And started adding 70,000 of her own every month. Then a bonus came at work; straight into the account. Then another. Money that would previously have dissolved into ordinary life suddenly had somewhere obvious to go.

He reached the goal in three years.

He built the house. He owns it outright. There is no bank in the picture and there never will be.

Seventeen years of payments that will simply never happen.

One decision, made in a single conversation, restructured three separate chapters of a family's life.

And this is why the observation in this conversation lands so hard. When the goal is clear, the money shows up.

Not because of magic. Because a clear goal changes what you do with every unexpected shilling that comes into your hands.

Tune in!

Connect with Moses Njuguna: https://ow.ly/mlo850ZvmML
Connect with Pius Muchiri: https://ow.ly/iY4750ZvmMJ

There was a version of you that had nothing but the reason.No results yet. No proof it would work. No evidence to show a...
03/08/2026

There was a version of you that had nothing but the reason.

No results yet. No proof it would work. No evidence to show anyone who asked. Just a picture in your head of something you wanted badly enough to begin and the willingness to begin anyway, with everything uncertain.

That version of you was braver than the one reading this.

Not because you have gone soft. Because somewhere along the way, the work replaced the reason. The daily demands got loud enough to drown out the thing that started all of it. And now you are still moving, still delivering, still showing up every morning but if someone asked you plainly what all of this is for, you might have to think about it.

That pause is the whole problem.

Here is what happens when the reason goes quiet. The work gets heavier. Not more difficult, heavier. Because effort without meaning attached to it is just weight, and weight tires you out in a way that purpose never does.

You start negotiating with yourself in the mornings. You start counting hours instead of losing track of them. The same tasks that once felt like building start to feel like maintaining. And you cannot understand why you are so tired when nothing has actually changed.

Something has changed. You stopped seeing what you were doing it for.

So go back and find it.

Not the version you would say in a meeting. The real one. The one you had before it needed to sound professional.

Maybe it was a person. Someone whose life you decided would be different because of what you were going to build. Maybe it was a memory; a season you swore you would never return to, a moment you watched someone you love come up short. Maybe it was simply a promise you made quietly to yourself, at an age when nobody was watching and nobody would have believed you.

Whatever it was, it is still there. It has not expired. It is just underneath everything you have piled on top of it since.

And when you find it, something practical happens. This is not just a feeling.

The decisions get clearer. You stop wasting energy on things that were never connected to the destination. You stop taking on work that pays but leads nowhere. You start noticing which parts of your effort are actually building the thing and which are just keeping you busy.

Purpose does not make the work easier.

It makes it worth it. And worth it is what carries a person through the years that easier never could.

You are further along than you were when you started.

You have proof now. Evidence. Things you have built that did not exist before you decided they should. The person who began with nothing but a reason has already delivered more than they knew they could.

Do not let the reason be the thing you lost along the way.

Go and find it. Then go and finish.

Here is something worth noticing. The big international investors have been putting serious money into Africa for years....
03/08/2026

Here is something worth noticing. The big international investors have been putting serious money into Africa for years. But almost none of them do it in local currency. They invest in dollars. Every time.

Not because they think the continent will fail. Because they want the growth without also carrying the currency risk. They separated the two and they have been quietly doing this while most people here have not had the same option.

Think about that. Outsiders have been investing in your continent on better terms than you could.

That option now exists for you.

A dollar fund that invests across Africa means you are backing the same growth story the big money is backing. Same continent. Same opportunity. But your money stays in dollars while it does that work.

You are not converting and hoping. You are not choosing between growth and stability. You get both. That is the whole point.

Nobody is asking you to abandon the shilling. Your life is priced in shillings and most of your money probably should be too. But some of it; the portion you will not touch for years, the money set aside for something long-term; that money does not need to sit in one currency waiting.

It can be earning in dollars, invested in the continent you actually understand better than anyone flying in from abroad to do the same thing.

You have always known Africa was worth investing in. Now you can do it the way the professionals do.

Open a USD account today!
Apple Store: https://ow.ly/Vivl50XVgvN
Google Play Store: https://ow.ly/Kmvr50XVgvP

"A shilling with no assignment will find its own employment, and it rarely chooses well." Pius MuchiriDo something uncom...
03/08/2026

"A shilling with no assignment will find its own employment, and it rarely chooses well." Pius Muchiri

Do something uncomfortable before you read the rest of this.

Open your M-Pesa statement from last month. Not the balance; the statement. Start at the bottom and read upward. Somewhere in there is a Monday you cannot account for. Four hundred here. Fifteen hundred there. A number that made complete sense at seven in the evening and means nothing to you now.

That money was not lost by a careless person. You are not careless. You wake up early, you deliver, you carry people. What happened is simpler than carelessness, and more serious. That money reached your hands without an assignment. And a shilling with no assignment will find its own employment.

Money does not sit still waiting for your instructions. It is the most restless thing you own. Leave it unnamed for even a week and it will take the first job offered to it and the first offer is always the nearest one. The shop downstairs. The plan a friend mentioned over lunch. The upgrade that felt earned because the month was hard. None of that is theft. It's your decision.

So here is the question I would put to you, and I want you to sit with it rather than answer it quickly.

You have been earning for some years now. Not the number on your payslip; I am not interested in that. Every shilling that has passed through your hands since your first job went somewhere. It employed itself somewhere. It built something for somebody. Point at it. Show me the thing your working life has assembled.

If you can point at it, you have been doing the hiring. If you cannot, someone else has been.

And an assignment is not a budget app. It is not a spreadsheet you abandon by March. An assignment is much smaller and much harder than that: before the money arrives, it already knows where it is going and what it is expected to bring back. That is all. The shilling that knows it is buying land in eight years behaves differently from the shilling that is simply in your pocket on a Friday.

Your money has been employed every single day of your working life. It has never once been idle. The only question worth asking and the only one that will change anything is whether you were the one doing the hiring.

Start this month. Not with everything. Name one portion, give it a job, and refuse to interrupt it while it works.

More on this on: https://ow.ly/g8Bh50Zvn8V

03/08/2026

A doctor still needs a doctor; not because he has forgotten his training, but because no one can examine themselves. You cannot be the patient and the physician in the same body. And that is precisely the position most people occupy with their money: diagnosing themselves, treating themselves, and quietly hoping they got it right.

Most Kenyans have been taught that a financial advisor is someone who tells you where to put your money. That is the shallowest possible reading of the job. It is like saying a doctor is someone who hands you tablets.

What Moses actually does is slower, and far more uncomfortable than that. He listens.

When we meet a client, we do not start with the money. We start with the goal. Because money, on its own, is an answer. And most people are walking around holding an answer to a question they have never sat down and asked properly. How much is enough? Enough for what? By when? For whom? Until those questions are on the table, every shilling is moving without instruction.

Then there is the second thing, the one that is harder to hear.

Many of the people who arrive at Moses's desk are carrying an injury. They tried before. Someone promised to double their money. They handed it over. They lost it. Now they are sitting in an office being asked to trust again, and their whole body is saying no. Moses does not argue with that. He does not sell over it. He treats it as what it is; a wound that has to be named before anything can be built on top of it.

An advisor's job begins there; with the review, the recalibration, the quarterly conversation, the call you make on a Monday before you sign something you cannot unsign.

But the part of the conversation that landed hardest was not technical at all.

You have worked too hard to remain broke. You have woken up too early, sat in too much traffic, carried too much responsibility, and delivered too consistently to arrive at fifty-five with nothing but a payslip and a hope. The gap between the effort you put in and the wealth you accumulate is not a character flaw. Very often it is simply the absence of one person in the room asking better questions than you are asking yourself.

Everybody needs a doctor. Everybody needs a lawyer. Everybody needs a mechanic.

And everybody, without exception, needs a Moses.

Don't walk this road alone again.

Tune in!

Connect with Moses Njuguna: https://ow.ly/mlo850ZvmML
Connect with Pius Muchiri: https://ow.ly/iY4750ZvmMJ

Watch yourself in a pricing conversation.You hold your number. You push back on the discount. You walk away from work th...
31/07/2026

Watch yourself in a pricing conversation.

You hold your number. You push back on the discount. You walk away from work that does not pay properly. You have spent years learning not to leave money on the table, because in business, that is exactly how you stay in business.

Then the dollars land in the account, and all of that discipline switches off.

No conversation. No terms. No counter-offer. The bank takes them, uses them, and pays you next to nothing and you never even raised the subject.

It does not matter how the dollars arrived. Either from money sent home from abroad. Payment from a client overseas. Savings built up over years because dollars felt safer. Remittances for family. Proceeds from something you sold. However they got there, most of them are doing the same thing right now. Nothing.

Here is what makes it strange.

You would notice if someone owed you money and took months to pay. You would say something.

But your bank is holding your dollars for weeks or months at a time, putting them to work at real rates, and handing you back a fraction of what they earned. And that arrangement never comes up for review. It just continues year after year, unquestioned.

Not because it is a good deal. Because nobody ever put it on the table.

Nobody is asking you to lock the money away.

You need it accessible. For the family. The fees. The trip. The obligation with a date on it. That does not change.

What can change is who benefits while it waits.

Your dollars can stay available and still be earning. That is not a trade-off. It is just the difference between money that is being managed and money that is being borrowed from you quietly.

You are careful with money everywhere else. Be that careful with the money already sitting in your name.

Open a USD account today! A place where your dollars are valued and put to work!
Apple Store: https://ow.ly/Vivl50XVgvN
Google Play Store: https://ow.ly/Kmvr50XVgvP

Some of us are waiting for an inheritance.Quietly hoping our parents owned something. Crossing fingers that they were sm...
31/07/2026

Some of us are waiting for an inheritance.

Quietly hoping our parents owned something. Crossing fingers that they were smart with their youth, that they built something, bought something, put their name on something that will one day pass down to us. We don't always say it out loud; but the hope is there. Because somewhere deep down, we understand that real wealth is not just earned. It is held. It is attached to a name. It is the thing that makes a family's story different from one generation to the next.

But here is the honest question: how many of us actually own anything?

Not a car on loan. Not a phone on instalments. Something that holds value, grows over time, and could be handed to someone after you are gone with your name still on it. For most of us, the answer is uncomfortable. And if we do not change it, we will spend our lives hoping our children ask us the same question we are asking about our parents and get a different answer.

The vicious cycle does not break by accident. It breaks because someone in the family decided to stop consuming and start owning. Because someone chose to put their name on something that compounds, something that lasts, something that does not disappear when the salary stops.

The Nabo Africa Equity Fund is how you do that.

You become a part-owner of some of the biggest, most established companies on this continent. Not a customer. Not an employee. An owner; with a professionally managed portfolio that grows over time and can be passed on to your children the way you always wished something would be passed on to you.

Your family's name deserves to be tied to something real. Start here. Talk to us on 0709368700 or email us on [email protected].

Address

International House 5th Floor
Nairobi

Opening Hours

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

Telephone

+254709902700

Website

Alerts

Be the first to know and let us send you an email when Nabo Capital posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Nabo Capital:

Shortcuts

Share

Category