Ksh 1 Million Every Year Without Stress!
What if you could use your SACCO to set up a fund that pays your child’s school fees without ever going back to your pocket?
And when your children are done with school, the same income stream continues paying you during retirement.
Sounds ridiculously unreal?
I know.
But let me show you how it works.
The Strategy
1. Choose the Right SACCO
Start by selecting a solid SACCO with:
Strong corporate governance
Consistent dividend history
Attractive net returns on share capital and deposits
Let’s assume the SACCO pays:
15% on Share Capital
11% on Deposits
2. Define the Goal
Ask yourself:
How much school fees do I need every year?
Let’s assume your target is:
Ksh 1,000,000 per year
3. Build the Capital That Generates the Fees
Now structure your SACCO portfolio to produce that income.
Share Capital
Ksh 100,000 × 15%
= Ksh 15,000
Deposits
Ksh 9,000,000 × 11%
= Ksh 990,000
Total Annual Dividends:
Ksh 1,005,000
Your school fees are now covered.
What This Means
You need approximately:
Ksh 9.1 Million in your SACCO
Once this capital is built, the dividends pay the school fees every year.
Your capital remains intact.
You are no longer stressed by school fees.
And here is the beauty of it.
After your children finish school…
The same Ksh 1M yearly dividends can now fund your retirement income.
One strategy.
Two problems solved.
School Fees
Retirement Income
And we haven’t even talked about the real weapon inside a SACCO.
Your Credit Power.
That same SACCO can allow you to access affordable credit to acquire income-generating assets that produce even more passive income.
Think about it this way.
Stop treating your SACCO like a place where you only go to:
Take emergency loans
Pay school fees
Finance consumption
Instead…
Treat it like a dividend-generating machine.
A financial engine that works for you every year.
As I always emphasize in my wealth framework, wealth is not just about earning more — it’s about structuring your money to work for you consistently.
Below is the updated list of 38 SACCOs’ performance for the year 2025.
Which SACCO are you in — and are you happy with their returns?
Alex Mwangi | The Cent Warrior
WhatsApp 0703472299
