Is this really possible?
A client asked me this recently:
“I retire in 2027 with a lump sum of Ksh 10 million.
Can this money realistically pay me Ksh 100,000 every month in retirement?”
The answer is yes.
It’s very possible — if done correctly.
Where Most Retirees Go Wrong
The moment that lump sum hits their account, many retirees make costly mistakes:
Starting a business with no experience.
Parking money in a bank and withdrawing monthly.
Chasing risky schemes.
Putting all money in one investment.
Living above sustainable limits.
These mistakes drain retirement money fast —leaving dependency instead of dignity.
The Retirement Rule
Retirement is not the time to gamble.
It’s the time to preserve capital, ensure liquidity, and earn predictable income.
Stick to low-to-medium risk instruments.
Six Proven Ways a Ksh 10M Portfolio Can Pay You Ksh 100,000+ Monthly
1. Money Market Fund (MMF)
At an average 12% annual return,
Ksh 10M earns approximately Ksh 100,000 per month.
Low risk.
Simple.
Liquid.
Stable.
2. Infrastructure Bond Ladder
Split Ksh 10M into six infrastructure bonds over six months (approximately Ksh 1.5M each at 14%).
Generates approximately Ksh 105,000 monthly.
Tax free.
Low risk.
Predictable cash flow.
3. Fixed Income Fund
At an average 13% return,
Ksh 10M delivers approximately Ksh 108,333 per month.
Fixed income funds like Arvocap Almasi Fund, which delivered about 20.51% in 2025, would give you approximately Ksh 142,000 per month.
Low risk.
Simple.
Liquid.
Stable.
4. Special Funds
Funds like Mansa-X Special Fund and Oak Special Fund.
At approximately 18% average return,
Ksh 10M can earn approximately Ksh 160,432 monthly.
Medium risk.
Higher return.
Liquid.
5. Fixed Income – Distribution Fund
Example: Arvocap Ngao Fixed Income Distribution Fund.
Designed for custom payouts — monthly, quarterly, or annual.
At 12%, Ksh 10M pays Ksh 100,000 monthly, while preserving capital.
Low risk.
Simple.
Liquid.
Stable.
6. Insurance Annuity
Invest Ksh 10M into an immediate annuity and receive Ksh 100,000 monthly guaranteed income for life, regardless of markets.
Peace.
Predictability.
Longevity protection.
The Final Rule of Retirement
Never put all your eggs in one basket.
No matter how attractive the returns —
Diversify across at least three instruments.
Retirement income is built with structure, not hope.
Your Turn
What other retirement income options would you add to the list above?
WhatsApp me “RETIREMENT PORTFOLIO” and I will help you secure your retirement money in safe, low-risk, regulated investments that deliver solid and sustainable returns.
Alex Mwangi | WhatsApp 0703472299
