From simple savings options to diversified investment and protection solutions, we help you understand which products fit your situation before you commit your money.
We focus on education and clarity. We don’t push you into products — we help you compare options and have better conversations with your bank, fund manager or insurer.
Start with your goal
Different products solve different problems. Choose a goal below to see the types of products that usually make sense in that situation.
Product categories
Below are the main types of financial products commonly available to Kenyan individuals, SMEs and institutions. We explain how they work, where they fit, and what to watch out for.
Simple, low-volatility options to park cash, manage liquidity and build an emergency buffer.
Professionally managed pools that invest across bonds, equities and other assets on your behalf.
Structures designed to help you accumulate and eventually draw an income for retirement in a tax-efficient way.
Products that allow you to access debt for personal or business needs – used thoughtfully, not recklessly.
Products designed to protect your family, income and assets from events you cannot afford to self-insure.
Bespoke structures and support for families, SMEs and institutions with more complex needs.
How they fit together
Use this simple comparison to narrow down which product families might make sense. Final decisions should always be based on personalised advice and full product disclosures.
| Product type | Typical time horizon | Risk level (relative) | Primary goal | When it’s often a good fit |
|---|---|---|---|---|
| Savings & Cash | 0–3 years | Lower | Capital preservation | Emergency funds, near-term expenses, business float. |
| Investment Funds | 3–10+ years | Medium to higher (depends on mix) | Growth & diversification | Building long-term wealth and beating inflation. |
| Retirement Solutions | 10+ years | Medium (can be customised) | Future income | Planning for life after employment and ageing parents. |
| Credit & Lending | Aligned to project/use | Depends on leverage & cash flow | Funding projects | Productive projects with clear payback, not consumption. |
| Protection & Insurance | Ongoing | Not an “investment” – risk transfer | Risk management | Dependants, key income earners, valuable assets. |
This table is a simplified summary for educational purposes only and is not personalised financial advice.
Questions
Before you sign any application form, you should feel comfortable that you understand how the product works, how you could lose money, and how to get out if your plans change.
Our focus is on education, comparison and planning. Depending on the engagement, we may introduce you to licensed product providers (such as banks, fund managers or insurers), but our analysis remains independent and we encourage you to compare multiple options before committing.
We help you narrow down suitable categories, understand trade-offs and prepare key questions for providers. Specific product recommendations depend on licensing and your full personal circumstances, which may require working with a regulated advisor.
For many individuals and SMEs, we start with a free discovery call to clarify your situation. If you need deeper work, we’ll agree a transparent fee or retainer before we proceed — no hidden commissions or surprise charges.
Yes. Many clients prefer to keep their existing relationships but want an independent view on whether their current products still make sense. We can help you review statements, proposals and term sheets and frame better questions for your provider.
Still unsure which products are right for you or your business?
