The love affair with buying idle plots in the middle of nowhere is unmatched in Kenya.
From first paychecks, windfall bonuses, job promotions—even to our brothers and sisters in the diaspora—there’s an unquestionable thirst to grab “a plot.”
But I’ll say it again: Stop this addiction.
The Harsh Reality
Many people are holding plots in locations they’ve never even visited. A real estate company lured them with glossy adverts, they signed the cheque, received a title deed—and that was it.
Others are still clutching allotment letters, chasing titles that never come.
Now pause. How exactly have you benefited from that Ksh 500,000 plot you bought three years ago with a Sacco loan?
Here’s the Reality
- Total Repayment: Ksh 597,858
- Total Interest Paid: Ksh 97,858
- Monthly Repayment: Ksh 16,608 for 36 months
And after all that, not a single shilling of income from your plot.
The False Excuse
I know the excuse: “But it’s appreciating!”
Really? Do you even know its current market value?
The truth is this: The only way you’ll ever make money from that plot is by selling it. And selling land isn’t always smooth—it can take years. In a distress sale, you might even walk away with less than what you paid.
My Advice
Leave speculative land-buying to people who’ve already secured their cash flow and can afford to park profits in such deals.
For you, focus on:
- Building an Emergency Fund.
- Contributing to a Personal Pension Plan.
- Growing your Financial Freedom Fund.
- Investing in REITs before chasing land.
Why REITs?
Because Real Estate Investment Trusts give you exposure to prime real estate without the headaches of idle land.
Start small. With as little as Ksh 5,000, you can open an account with Vuka Investment Club. One unit currently goes for Ksh 22.91, giving you access to the Acorn Student Accommodation I-REIT (ASA I-REIT).
What You’re Really Investing In
Investing in Qwetu and Qejani student hostels that are reshaping Kenya’s real estate landscape.
With REITs:
- You earn annual dividends.
- You can sell units anytime (liquidity).
- You enjoy passive income, hassle-free.
No endless waiting. No chasing buyers. And no dead capital.
So, change your investment strategy—or keep losing money on idle land. The choice is yours.
Alex Mwangi | WhatsApp 0703472299
See How Your Idle Plot Compares to Investing in I-REITs
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