Jijenge Credit Limited Founder, Managing Director and Chief Executive Officer Mr Peter Macharia Kamau has urged Kenyans to take advantage of diverse investment opportunities in 2026 as the country looks toward economic recovery and household wealth creation.
In a detailed investment outlook, Mr Kamau said disciplined investing—rather than reliance on savings alone—remains the surest path to long-term financial stability, especially amid rising living costs.
He highlighted government bonds and Treasury bills as a low-risk option for conservative investors, noting that they offer predictable returns while safeguarding capital. Treasury bills, he explained, suit short-term goals, while bonds are ideal for longer-term planning.
Mr Kamau also pointed to unit trusts and mutual funds as a practical entry point for beginner investors, saying they allow individuals to pool resources while benefiting from professional fund management and portfolio diversification.
For investors willing to take on more risk, he identified stocks and equities traded at the Nairobi Securities Exchange (NSE) as a viable avenue for higher returns through capital appreciation and dividends, though he cautioned about daily price fluctuations.
On real estate, the Jijenge Credit CEO said land and housing investments—particularly in emerging towns and affordable housing projects—continue to hold strong long-term value, offering both rental income and capital appreciation.
Mr Kamau further cited SACCOs as a dependable vehicle for wealth building, praising their culture of disciplined savings, annual dividends averaging between 8 and 12 per cent, and access to affordable credit compared to commercial banks.
While acknowledging the growing interest in cryptocurrencies and digital assets, he warned that despite Kenya’s Virtual Asset Service Providers Act of 2025, the sector remains highly volatile and should only be approached with caution, proper research, and licensed platforms.
He also encouraged Kenyans to explore agribusiness investments, including poultry, dairy, horticulture, and value addition, describing agriculture as a resilient sector with strong returns when efficiency and market access are well managed.
On long-term security, Mr Kamau underscored the importance of retirement savings plans, including pension schemes and NSSF top-ups, noting that consistent contributions invested through licensed fund managers can significantly grow retirement income.
Finally, he highlighted the rise of digital micro-investing platforms, which allow Kenyans—especially young investors—to start investing with small amounts through mobile apps, offering access to money market funds, stocks, and exchange-traded funds.
“2026 should be the year Kenyans move from survival to strategy. With the right information and discipline, wealth creation is achievable for every income level,” Mr Kamau said.
