“Alex, I want to make money while asleep.”
Well, that’s good, my friend, because Warren Buffett once said:
“If you don’t find a way to make money while you sleep, you will work until you die.”
That is what we call Passive Income.
Money earned with minimal day-to-day effort from investments or assets that generate consistent returns.
Today, I want to show you different passive income opportunities in Kenya that can help your money start working for you.
Now the big question is:
If you invested Ksh 1 Million into these different assets, how much could they potentially generate annually?
Let’s break it down.
Passive Income Opportunities Compared
- Special Funds (e.g. Mansa-X)
These funds provide access to diversified local and global investment opportunities beyond conventional local funds.
Average Return: 18%
Estimated Net Return: Ksh 192,519
- Infrastructure Bonds (IFBs)
Government-issued bonds used to fund major infrastructure projects like roads, energy, water, and schools. Most offer tax-free interest.
Average Return: 14.0%
Estimated Net Return: Ksh 140,000
- Dividend Stocks
Shares of companies that regularly distribute profits to shareholders while also offering potential capital appreciation.
Average Dividend Yield: 13%
Estimated Net Return: Ksh 123,500
- SACCO Share Capital
Your ownership stake in a SACCO that earns annual dividends and can be redeemed upon exit.
Average Return: 15.0%
Estimated Net Return: Ksh 142,500
- FXD Treasury Bonds
Debt securities that pay a fixed interest income regularly until maturity.
Average Return: 13.0%
Estimated Net Return: Ksh 117,000
- Treasury Bills (364 Days)
Short-term government securities sold at a discount and redeemed at face value upon maturity.
Average Return: 8.5%
Estimated Net Return: Ksh 72,250
- Money Market Funds (MMFs)
Low-risk funds investing in Treasury Bills, fixed deposits, and other short-term secure instruments.
Average Return: 10.0%
Estimated Net Return: Ksh 89,006
- SACCO Deposits
Regular SACCO savings that earn annual interest and determine your borrowing capacity.
Average Return: 10.0%
Estimated Net Return: Ksh 95,000
- Real Estate Investment Trusts (REITs)
Investment vehicles that pool money to invest in income-generating real estate properties.
Average Return: 5.0%
Estimated Net Return: Ksh 47,500
- Bank Fixed Deposits
Fixed-term bank deposits offering relatively stable and predictable returns.
Average Return: 5.0%
Estimated Net Return: Ksh 42,500
Final Thoughts on Building Wealth
If you want to build a solid investment portfolio,
WhatsApp me “INVESTMENT PORTFOLIO” on 0703472299 and I will help you out.
Now tell me:
Which Other Passive Income Investment Should Be on This List?
Alex Mwangi | WhatsApp 0703472299
