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Why Many Kenyans Don’t Really Understand T-Bills, T-Bonds & Money Market Funds — And What You Should Know in 2026 If you ask everyday investors in Kenya about Money Market Funds (MMFs), Treasury Bills (T-Bills), and Treasury Bonds (T-Bonds), you’ll often hear confusion — even among people who have been saving or investing for years. Many assume MMFs are “just savings accounts,” or think that T-Bills and T-Bonds are only for the wealthy. The truth is different: your money does specific work in the background, and how it earns interest matters greatly for your financial goals. This guide explains the real relationship between these products, how they make money, where your funds are deployed, and how to think about them strategically in Kenya’s 2026 financial landscape. TL;DR — What You’ll Learn Here Where Kenyan MMFs actually invest your funds Key differences between T-Bills and T-Bonds Typical investment amounts and access requirements How MMFs generate returns Li...

Uganda Board Dispute Puts KPC Sale at Risk — Kenyan Investor Insights 2026

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Uganda Board Dispute Puts KPC Sale at Risk — Kenyan Investor Insights 2026 Uganda Board Dispute Puts KPC Sale at Risk — What Kenyan Investors Should Know Updated: February 2026 👉 Join my FREE WhatsApp channel for daily investing insights in Kenya Introduction — Why This Matters Early 2026 headlines highlighted a governance disagreement involving Ugandan representation on boards overseeing key regional petroleum infrastructure. The proposed sale of Kenya Pipeline Company (KPC) has been thrown into uncertainty. Many Kenyan investors ask: *Does this mean my government-linked investments are at risk?* The reality is, governance disputes often affect investor confidence and market valuations — even if daily operations remain stable. KPC’s Strategic Importance KPC transports petroleum across Kenya and into Uganda. Any disruption in ownership or governance can ripple across energy supply chains. In my experience, when strat...

Sh1 billion at risk? A financial expert breaks down the real story behind the Nyota startup headline and what it means for Kenya’s youth enterprises, investors, and the economy

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Kenya, Business Daily headline analysis, MSME survival rate Kenya, startup grants Kenya 2026" /> Sh1 Billion at Risk? What the Nyota Startup Headline Really Means for Kenya’s Youth Economy By Postine Ngeli | MoneyMarketHubKenya Introduction: Separating Headlines from Financial Reality A recent Business Daily headline suggesting that “Nyota startups face collapse with Sh1 billion” immediately raised concern across Kenya’s business community. For investors, entrepreneurs, and policy observers, that figure sounds alarming. But what does it actually mean? As a financial research analyst focused on Kenya’s capital markets and public finance programs, I reviewed the data behind this projection. This article breaks the issue down chronologically, clearly, and without exaggeration. Understanding the Nyota Programme The National Youth Opportunities Towards Advancement (Nyota) programme is a government initiative supported by the World Bank. Its ob...

Has Money Market Fund Returns in Kenya Dropped in 2026?

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Money Market Fund Returns in Kenya Drop Again in 2026 — What It Means for Your Money Money Market Fund Returns in Kenya Drop Again in 2026 — What It Means for Your Money Published 2026 | Fixed Income Analysis | MoneyMarketHub Kenya Money Market Fund returns in Kenya are declining again in 2026. Investors who were earning above 14% in 2024 and early 2025 are now seeing yields trend toward 9–11%. Average MMF yields have fallen by approximately 3–5 percentage points from their recent highs. This shift reflects changes in Treasury Bill rates and national monetary policy — not instability in the funds themselves. Below is a clear, chronological breakdown of what is happening and how smart investors should respond. Phase One: The High-Yield Environment (2024 – Early 2025) In 2024, Kenya operated under a tight monetary policy environment. The Central Bank of Kenya (CBK) raised benchmark rates to stabilize inflation and the currency. As a result: 91-...

State in Race Against Time to Meet KPC IPO Sale Target

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State in Race Against Time to Meet KPC IPO Sale Target | Money Market Hub Kenya State in Race Against Time to Meet KPC’s IPO Sale Target: What It Means for Investors in Kenya Published by Money Market Hub Kenya | 2026 TL;DR The government is under pressure to meet revenue targets tied to the planned IPO of Kenya Pipeline Company (KPC). Timing is critical due to fiscal needs, market liquidity, and investor sentiment. Valuation and pricing strategy will determine whether the IPO succeeds. Retail investors must evaluate fundamentals — not just hype. Introduction Kenya’s fiscal space is tightening. Debt servicing costs remain high, while revenue targets are ambitious. In this environment, the renewed push to list Kenya Pipeline Company (KPC) is not just a capital markets event — it is a strategic fiscal decision. The urgency signals that timing is now as important as valuation. ...

Can Share Prices Stay Low for Long Periods? | NSE Evidence & Investor Guide

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Can Share Prices Stay Low for Long Periods? | NSE Evidence & Investor Guide Can Share Prices Stay Low for Long Periods? Evidence from the Nairobi Securities Exchange (NSE) Many investors believe that when a stock price falls, recovery is inevitable. However, history from the Nairobi Securities Exchange (NSE) shows that share prices can remain depressed for years — and sometimes permanently. This article explains why this happens and what Kenyan investors should consider before buying “cheap” shares. Why Some Shares Stay Low for Years 1. Structural Business Weakness When a company loses competitive advantage, earnings decline and investor confidence erodes. 2. Heavy Debt Burden High leverage reduces shareholder value and increases financial risk. 3. Regulatory & Policy Risk Utilities and banks are especially sensitive to government policy changes. 4. Market Sentiment Even improving companies may experience slow pric...

Why Banks Dominate the Nairobi Securities Exchange (NSE) by Market Capitalization

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Why Banks Dominate the Nairobi Securities Exchange (NSE) by Market Capitalization If you closely examine the Nairobi Securities Exchange (NSE), one pattern consistently appears: banks rank among the largest companies by market capitalization. This dominance reflects Kenya’s financial structure, sustained banking profitability, strong dividend culture, and institutional investor preference for liquid financial stocks. What Is Market Capitalization? Market Capitalization is calculated as: Total Shares Outstanding × Current Share Price It represents the total value investors assign to a company. When banks consistently appear among the largest companies by valuation, it signals strong investor confidence in their earnings stability and long-term growth prospects. 1. Large Asset Base and Strong Profit Generation Banks operate a leverage-based model. They mobilize deposits and convert them into loans and government securities investments. This allows them to manage ...