Read this before you make an irreversible mistake with your money.
I’ve been asked this question countless times by people receiving a lump sum from a bonus, years of savings, gifts, or the sale of an asset:
“Alex, I only have this one shot. How do I make this money count?”
You see, when you ONLY have that one lump sum – no extra cash, no other investments—the strategy must be intentional and airtight.
Let me show you what I did with Rachael’s case.
Meet Rachael
She’s a mid-level manager earning Ksh 150,000 net per month.
A single mum raising a beautiful 4-year-old daughter.
She had just sold an inherited property for Ksh 1.5M and wanted to multiply it through a solid, well-thought-out plan.
Here’s what I advised her:
1. Emergency Fund – Her First Line of Defense
Before investing a coin, we secured her emergency fund.
She needed Ksh 130,000 to cover basic expenses— insurance premiums, and debt repayments.
We stashed Ksh 780,000 (6 months’ expenses) in a Money Market Fund.
Now, she has a financial cushion. No stress. No panic. Just peace of mind.
2. Invest Ksh 300,000 – Arvocap Almasi Fixed Income Fund
We chose this medium-risk fund because of its strong bond market play.
Returned 27.06% in its first year in operation.
We Projected the long-term returns to range between: 15-17% p.a.
Rachael committed to topping up Ksh 100,000 quarterly for 12 years to fund her daughter’s education.
Projection:
- Total Value: Ksh 13,237,247.30
- Passive Annual Income: Ksh 1.32M (enough to pay for school fees comfortably)
3. Grow Her Passive Income – Mansa-X Special Fund
Rachael invested the remaining Ksh 420,000, with a plan to add Ksh 30,000 monthly for 15 years.
Why Mansa-X?
It’s a robust multi-asset fund with local and global exposure—average returns of 17.72% over 6 years!
Outcome:
- Total Contributions: Ksh 5.82M
- Projected Value: Ksh 29,717,349 (17% return)
- Passive Income: Ksh 247,645/month (invested at just 10% return)
In the end, Rachael’s Ksh 1.5M became the seed to build her education freedom and job freedom.
No drama. No gambling. Just a simple sustainable strategy.
Now I throw the challenge to you…
If you had Ksh 1.5M today, how would you invest it?
Let’s talk
Alex Mwangi | Your Personal Finance Architect
Helping You Master Your Money | Build Wealth | Protect Your Legacy
Visit My Resource Hub Here: https://linktr.ee/centwarrior
My Shop: https://centwarrior.com/shop/
