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Investing In The Stock Market, What You Need To Know

Henry Ozianyi



Article first appeared at Inversk Magazine on 10th April 2017.

Studies reveal that employment income is no longer able to keep up with the lifestyle demands of the current fast paced increasingly digital lives. A huge percentage of employees feel squeezed and unable to go through a month without money issues.

To maintain a decent lifestyle, it has become almost mandatory for one to have a second income generating plan. Most people result to working longer hours or begin side hustles, which eventually prove to be quite counterproductive.

As a fresh graduate, you can do yourself a favor to avoid this rut by simply investing to earn passively. These are incomes that don’t warrant for your much involvement. Investment income, copyright income, patent income, leases, mining rights can all be termed as passive. They involve a onetime big effort then very minimum involvement required later.

In this article, we explore one of the ways of raising investment income; which is investing on the stock market.

In a small survey I carried out, I sought to find out how many young people in my class knew the location of the Nairobi Securities Exchange (NSE). Only a few raised their hands.

Does it really matter? No, it doesn’t; but it is a good barometer of the investment knowledge individuals have. If you are going to participate in this market, it is important you know where it is, whether physically or digitally. Then you need to understand what is bought and sold in this market, as well as understand the language so that you are able to intelligently communicate.

Essentially, a stock market facilitates the buying and selling of bonds, shares and their related derivatives such as Mutual funds and exchange traded funds (ETFs), options and futures. Real Estate Investment Trusts (REIT) is a Real Estate instrument tradable on the stock exchange too.

Bonds refer to fixed income securities premised on debt. When you buy a bond, you are lending either the government or the corporate entity that issued the bond. The risk is relatively low and in fact when you lend to a stable government it is risk free. In the two five four, the returns on debt securities averages to 12%-15%.

Stocks accord you the right to own part of a company and receive dividends and or bear losses as allocated by the company. The income from stocks is highly variable, day after day. Compared to bonds, equities apart from providing variable incomes also provide capital appreciation or depreciation in form of an increase or reduction in the market value of the shares.

Mutual funds, ETFs, futures and options are all derivatives of the basic bond and shares. Mutual funds and ETF’s are essentially pooling your resources with other investors which is then invested in a combination of bonds and stocks and professionally managed for you while futures and options are contracts to buy and sell at future pre-determined prices.

Now that you know what you can invest in on the stock market, you need to establish how much money you should invest to achieve your financial goals, noting your current expenditure and your earnings potential:

 A budget should be your starting point.

In it, allocate your living funds and your investment funds. Your ultimate aim is to ensure that your passive income replaces your active income, and then you can retire from active employment.

How are you going to do the investment?

Once you have determined your budget and chosen the investments to buy into. Are you going to do it alone, walking to the stock exchange or are you going to hire a broker, or a financial consultant?

It is important to note that the costs vary with each choice. Costs associated with investments include brokerage fees, commissions; stamp duty, withholding taxes etc.

To buy bonds and shares on the stock market, the investor would need to open an account with a local stockbroker or bank that will in turn open a Central Depository and Settlement Corporation (CDSC) account for them.

The CDSC account is where all tradable shares are held electronically. You then send money and instruction on what and how much of bond or share the stockbroker or bank should purchase for you. In case of bonds, an individual can also buy directly from the central bank.

Investing is a personal endeavor which guarantees you extra income while you are still working or the only income during your retirement.

There is no one size fit all solution when it comes to investments. Explore as many alternatives as possible. Have a mix of shares, bonds, Real estate etc. and keep re-jigging this portfolio to maximize on returns, while minimizing your risk.

The concept of interest compounding favors the young, as it converts time into money for you, therefore take advantage and start investing now.

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A banker, financial consultant and Founder at Financial Matters

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Bees and Business: What you need to Know about Bees keeping

Inversk Review



Bees? Oh yes. I am pretty sure this is a term most of us have heard of in the last couple of weeks. And yes, I am here to bring bees back to us, but this time, to show us the importance of bees and how one can make money from bees. Follow suit as we all learn how to make money from these insects.

Bees are the most interesting insects to keep. Apart from honey, they give other products like wax, propolis and royal jelly, besides pollinating crops. Beekeeping is a fantastic way to keep earning and at the same time seek some extra money elsewhere as the insects are easier to maintain.

Beekeeping is an advantageous venture, because you do not need a large parcel of land. The venture requires a small piece of land that does not have to be fertile. The capital required to start is actually low compared to other farm enterprises. Now, good thing is that it only requires minimal labor that only comes in when harvesting and during inspection.

What you need to start off include: the bees themselves of course. And this is where you will need bee-human relationship. It is important to understand that bee stings are an integral part of beekeeping and a bee keeper has to deal with such. There is also a set of hive tools needed, gumboots and gloves of course.

You can actually construct a beehive using locally available materials to cut on costs.  Holding racks and poles are also very vital. Typically, one bee hive provides enough bees to pollinate one acre. You can start by applying the juice of fruits like pineapples, mangoes or oranges. This kind of juice attracts bees to your hive and they eventually colonize.  Bees love wild flowers, berries, flowering herbs and a variety of flowering fruits and vegetables.

A fertilized queen moves from one cell to another laying eggs. The warmth generated by a cluster of worker bees enable eggs to hatch after three days. A bee suit is also a must-have. This should include the head veil to offer maximum protection from bee stings.

The place to keep the bees should be well-drained and far from noise. Avoid fields frequently sprayed with chemical pesticides to reduce bee poisoning and honey contamination, so if it is a must, use bee friendly pesticides.

Place all your hives at a height that will be comfortable for you to work from. If you decide to place them on wooden stands and wire suspensions, paint the stands and wires using oil to drive away crawling ants. If resources allow you, paint your beehive to protect it from vandals and predators like honey badgers, monkeys and humans.

Bees produce honey which is used to apply on bread, used as an alternative for sugar and can also be used to clean wounds.

Wax is another product from bees and it has a couple of functions. It is used to manufacture creams, ointments, candles, shoes and floor polish. It is also used in dentistry, to make tooth impressions for filling and replacement.  In laboratories as well, it is used in the dissection of small insects. In pharmaceuticals, it is used to make pill coatings. You can sell this wax to make an income.

A kilo of honey, normally sells at around Ksh. 150. You can sell say like 32 kilos and make Ksh. 3300, from honey alone. You can also sell honey combs.

When you find a good market, you can always export. And this in return, gives you better profits.

Harvesting is usually done between 10 to 12 months after setup. The second harvest takes place eight months later. Afterwards, harvesting can be carried out every four months.

When handling bees, it is important to remember, that the bees should not be frightened as doing so makes them wild and sting. Beehives should also not be operated from the front. Movement towards the hives should be made quietly as this may alert the bees.

If stung, a bee sting should not be rubbed. A sharp nail or razor blade should be used to scrap it off. Pressing causes the poison of the sting to release more poison.

Good luck as you go into this venture. It is a wonderful experience.



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Optiven Group and Fusion Capital Limited (FCL) Enter Into a Strategic Partnership

Inversk Review



Optiven Group and Fusion Capital Limited (FCL) today (May 25th 2018) entered into a strategic partnership that has culminated to the launch of Amani Ridge – The Place of Peace, an ultra-modern high end mini-city in Kiambu County.

Amani Ridge – The Place of Peace, which neighbors the Tatu City and Nova Pioneer will offer its residents a first class experience with top of the range amenities available within the high-end property.

Speaking during the launch, Optiven Group’s CEO, Mr George’s Wachiuri noted that this partnership is another milestone by the firm on its way towards economically and socially empowering and transforming the society.

“We, in the Real Estate sector and indeed the Private sector as a whole must be at the fore-front with regards to assisting the Government to achieve its Big Four agenda, one of which is to provide housing for our Citizenry,” said Mr. Wachiuri.

The launch of Amani Ridge – The Place of Peace, he noted, will go a long way in catalyzing both the County of Kiambu and the country’s overall economic growth both in the medium and long-term.

On his part, The Group Chief Executive, Fusion Capital Mr. Daniel Kamau noted that his firm takes pride in its ability to work closely with partners in the industry. “We are proud to have partnered with Optiven, a journey that has culminated to this wonderful occasion. We are hopeful that this is just the beginning of a wonderful partnership and thank you all for turning up this morning to witness it,” said Mr. Daniel.

The Group Chairman, Fusion Capital Mr. Phil Goodwin pointed out that Real estate remains a booming opportunity for Africa focused investors for good reasons. “The growth of African cities has created demand for increased volumes of high-quality commercial and residential real estate,” he said.

The Chairman added: “It’s indeed an exciting time for Fusion and Optiven – our achievements are remarkable, and the overall outlook for Amani Ridge optimistic.”

On his part, The County Governor Of Kiambu County His Excellency Hon Ferdinand Waititu, who was the Chief Guest at the event noted that the real estate sector is a growth sector in Kenya and more so in Kiambu. “The sector has outgrown the economy in recent years, with demand for housing still at a level that falls far below the supply; and it is for this reason that we welcome investments into the county such as the one we are launching today,” noted

Right to left: The Chief Guest, Kiambu County Governor HE Hon. Ferdinand Waititu, Optiven Group’s CEO, Mr. George’s Wachiuri, Fusion Capital Group Chief Executive, Mr. Daniel Kamau and Fusion Capital Group Chairman Mr. Phil Goodwin during the launch

The Governor noted that the benefits of investments such as Amani Ridge are triple fold: “Not only does it provide the much needed housing, but it also creates employment which has a trickledown effect. These are the kind of investments and activities that we will want to encourage as they keep our young people engaged, focused and fruitful,” he said.

About Optiven Group

Optiven Group is a leading brand in East Africa and has a number of distinct subsidiaries that include Real Estate, Construction and Hospitality.

Captained by its Founder and CEO, Mr. George Wachiuri, the Group is rightly living up to its vision, which is to be pacesetters in social economic transformation. Optiven Real Estate’s flagship product is Value Added Plots, which are particularly enhanced to suit immediate residential settlement, commercial purposes and futuristic capital gain.

Optiven is a one-stop-shop offering a two-step model for home ownership solutions to its customers.

About Fusion Capital Limited

Fusion Capital Limited is a Private Equity Firm focused on Real Estate investment and Fund Management based in East Africa. Established in 2006, Fusion operates from Rwanda, Kenya, Uganda, Tanzania and United Kingdom. Fusion’s products include real estate and money market operations. It invests in unique opportunities in the real estate scene by financing developments such as housing; Grade A office blocks and logistics/Warehousing. The firm has established its credentials and experience as a solid property developer, with an expansive and well capitalized asset portfolio which comprises 13 assets. Some of the notable real estate developments include Kigali Heights (A mixed use development in Kigali Rwanda), 4th Avenue Towers at Community Upper Hill area, Flamingo Towers in Upperhill, Galaxy Gardens in Ruiru (proposed residential development site), Grande Park Estate in Nakuru, Goldmark in Uganda amongst others.

For More information visit: /

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Access to PR Services for SMES Made Possible

Inversk Review



In an economy where more than 7 million Small and Medium Enterprises compete for limited financial resources to achieve their objectives, a strong brand identity helps tell a firm’s story and differentiate it from the competition. It creates achievable expectations, gains attention, builds relationships, and consequently ensures the long term survival of the business.

But what does it take to create a truly formidable brand? You only need two things: a PR strategy and a professional partner to help you with your PR strategy. The PR strategy should give your firm personality and make customers feel your presence, while your professional partner should give you the confidence and expertise to turn your business goals into reality.

Unfortunately, most SMEs avoid hiring professional PR firms to help them formulate a good PR strategy because they are expensive. Many PR agencies also do not develop products specifically designed for SMEs. The assumption would be that SMEs do not really need a PR strategy because they serve a ‘small’ market. Although it is true that SMEs have a ‘small’ market, it is an understatement to say that such a market will not respond well to a PR strategy.

In fact, the situation is quite the opposite; because a firm that serves a specific niche understands its clientele and knows exactly what they need, it stands to benefit the most from a good PR strategy. Customers are habitual and love to stick to a brand that they are familiar with because it gives them comfort. However, information technology has shortened the lifespan of habitual behaviors by creating so many purchase options for customers. This means that SMEs need a good PR strategy to keep up with the changes and make sure their customers are satisfied with their brands. A company with an already established market will benefit the most from such a strategy because it will reassure its clientele of its existence and versatility.

The plain truth is that it does not matter whether your company is small or large, as long as you are in business you need a PR strategy to grow your firm. Developing this plan is the same as setting up your business goals and it should be included in the strategic planning process. Everything has to be documented and clear so that the employees know their roles when executing the PR strategy. Your PR strategy tells your story and lets customers know what you are all about. It also helps strengthen the relationship that your firm has with its clients. A good relationship helps you retain most of your customers and be in business for a long time.

So far, the importance of a PR strategy and the limited access of professional PR services by SMEs has been highlighted above. As it turns out, even though such a move is good for SMEs, the implementation costs are high. The market also lacks customized PR solutions. Luckily, Glass House PR has over the years worked with SMEs and in 2018 they have finally launched the solution for SMEs.

Glass House PR LTD has established a customized PR product to help businesses grow through strategic positioning that results to visibility and growth for SMEs. The product; PR 2.0; is a one year program for SMEs. The product covers five key areas: PR and Communication Strategy, Brand Development, Digital media, Media Relations Strategy, and Training.

Glass House PR not only gives you the best strategy to ensure your brand’s success, but also provides you with the best professional partner for your business. With more than half a decade of experience working some of the best brands in the market, Glass House PR will provide your team with the best PR knowledge at a sensible price.

To learn more about PR 2.0 Contact Glass House PR on email or on phone +254710541147

Article written by Stephen Wamaitha for Glass House PR

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