Cent Warrior Tribe, Muthithi Road, Westlands, Nairobi (2026)

12/09/2026

You DON’T Need To Pick WINNING STOCKS To Make Money In The Stock Market!

Buying shares is easy.

Knowing which shares to buy, when to buy, when to sell and when to simply HOLD is where it gets complicated.

That is why I believe every investor should understand Equity Funds.

Take the Arvocap Thamani Equity Fund.

Instead of trying to pick Safaricom, KCB, Equity, Co-op or other NSE stocks yourself, you invest in a professionally managed and diversified portfolio of Kenyan shares.

And look at the performance as at 31st August 2026:

📈 Last 12 Months: 53.53%

📈 Year to Date: 39.56%

🟢 Minimum Investment: Ksh 100,000

🔵 Minimum Top-Up: Ksh 100,000

Now, don't misunderstand those numbers.

A 53.53% past return is NOT a guaranteed future return.

Equity funds can rise sharply, but they can also fall.

This is not where you put your emergency fund or money you need next month.

It is for someone willing to accept higher risk and invest for long-term growth.

And here is why I talk about this fund confidently:

I have personally invested in the Thamani Equity Fund too.

I don't just talk about investing.

I Put My Own Money To Work.

You don't have to become a stock market expert to participate in the stock market.

Sometimes you simply need to understand the opportunity, choose the right vehicle and let professionals do what they do best.

Don’t just watch wealth being created. Participate.

Now,

📲 WhatsApp Me ‘’THAMANI’’ on 0703472299 and I will help you get started.

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 0703472299

11/09/2026

You’re Missing One Of The Best Fixed-Income Opportunities In The Market!

You want to invest in Government bonds…

But you don’t know which bond to buy, when to buy, how to analyze yields or even where to start.

There is a simpler route.

💎 The Almasi Fixed Income Accumulation Fund.

Think of it as having professional fund managers doing the bond investing for you.

Your money is pooled and invested mainly in Kenya Government securities and other high-quality fixed-income investments.

And the numbers are worth your attention:

📈 Last 12 Months: 21.74%

📈 Year to Date: 14.31%

The returns are reinvested, allowing your money to benefit from the power of compounding.

This is particularly attractive if you want:

✔️Exposure to the bond market

✔️ Professional management

✔️ Lower-risk wealth accumulation

✔️ Your money working harder over time

✔️ Less complexity than managing individual bonds yourself

🟢 Minimum Investment: Ksh 100,000

🔵 Minimum Top-Up: Ksh 100,000

Here is the point:

You don't need to become a bond expert before you can benefit from the bond market.

Sometimes wealth creation is not about finding complicated investments.

It is about finding good opportunities, understanding them and taking action.

And I Recommend the Almasi Fund Because I Invest in It Too.

📲 WhatsApp Me ‘’ALMASI’’ on 0703472299 and I will help you get started.

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 0703472299

10/09/2026

You Earn Money. But Where Is It Going?

Your Salary Is Coming In Every Month… But Your Wealth Is Not Growing.

This is one of the most frustrating places to be financially.

You work hard.

You earn reasonably well.

Bills get paid.

Life moves.

But when you look at your finances after 5, 10 or even 15 years of working…

There is very little to show for all the money that has passed through your hands.

No meaningful emergency fund.

Investments are scattered.

Debt keeps coming back.

Retirement is somewhere in the future.

And one financial emergency could destabilize everything.

The problem may NOT be how much you earn.

The problem could be that your income has no protocol.

Money comes in.

Expenses attack.

Whatever survives gets saved or invested.

That is not a wealth strategy.

You need a system that tells your money what to do BEFORE it arrives.

That is why I created this masterclass:

The Wealth Mastery Protocol™

One Purpose: To help you master your money, build wealth, and protect it using a proven system.

To help you bring order to your finances and systematically move:

From Income → Wealth → Financial Freedom.

All in just 2 days — 2 hours each day.

📅 Friday, October 2 & 9, 2026

⏰ 6:00 PM – 8:00 PM

✔️ Investment: Ksh 5,000

WhatsApp “PROTOCOL” to 0703 472 299.

Let’s face it.

You don't necessarily need a bigger salary.

You need a better system for the money you already earn.

See you in the room!

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 WhatsApp: 0703472299

10/09/2026

If You Don't Come Home Tomorrow… What Happens To Your Children?

This is probably one of the most uncomfortable questions I will ever ask you.

But if your family depends on your income, you cannot afford to ignore it.

Look around you.

Everything is calm.

There is food on the table.

Rent or the mortgage gets paid.

School fees is settled on time.

Birthdays are celebrated.

Holidays are planned.

The lights stay on.

And when your child needs something, somehow, you make a plan.

It almost feels automatic.

But it isn't.

👉 YOU are making it happen.

Your income.

Your decisions.

Your planning.

Your presence.

Now imagine, for a moment, that tomorrow...

You Don't Come Back Home.

Not because you planned it.

Life simply happened.

What happens next?

The bills won't stop because you are gone.

✔️ Rent will still be due.

✔️ The school will still expect fees.

✔️ Your children will still need food.

✔️ Medical emergencies will still happen.

✔️ Clothes will still need replacing.

And eventually, the savings you left behind could start disappearing.

The lifestyle you spent years building could slowly unravel.

Investments may have to be sold.

Property may have to be disposed of hurriedly.

Your spouse may be forced to carry a financial burden they were never prepared for.

And your children's dreams?

They could suddenly depend on the generosity of relatives.

That Is The Part Of Death We Rarely Talk About.

We talk about grief.

We rarely talk about the financial earthquake that can follow it.

👉 Your Presence Is More Valuable To Your Family Than You Probably Realise.

And if people depend on your income today, you have a responsibility to ask yourself one uncomfortable question:

“If I Don't Come Home Tomorrow, Will My Family Still Be Financially Okay?”

That is where I come in.

✔️ To help you create Plan B.

A financial safety net designed to step in when you can no longer provide.

An inheritance asset that ensures your children don't have to start fundraising, sell assets desperately or downgrade their lives simply because you are gone.

This is what a Whole Life Protection & Inheritance Plan is designed to do.

It answers one of the hardest questions a breadwinner can ask:

👉 “What Happens To My Children If I Am No Longer Here?”

You insure your car.

You insure your house.

But the person paying for everything?

That person deserves protection too.

📲 WhatsApp me “WHOLE LIFE” and I will help you structure a suitable Whole Life plan for your family.

Protecting your family is not fearing death.

It is taking responsibility for life, even in your absence.

I got you!

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 WhatsApp: 0703472299

Below, I have broken down what it could cost to create a Ksh 20 Million inheritance asset based on your age. 👇

09/09/2026

Money Market Funds Vs. Fixed Income Funds Performance Update ➖ As at 31st August 2026

If you do not have either a Money Market Fund (MMF) or a Fixed Income Fund (FIF), I have one question:

Where are you keeping money for your short- and long-term financial goals?

Your cash should not sit idle in a bank account earning little or nothing when better alternatives exist.

Now, let the numbers speak.

Here is how the Top 7 FIFs and MMFs performed as at 31st August 2026, based on annualized net returns after management fees and 15% withholding tax.

🟢 FIXED INCOME FUNDS

1️⃣ Arvocap Almasi Fund — 16.08%

2️⃣ Lofty-Corban Bond Fund — 11.55%

3️⃣ Etica Fixed Income Fund — 11.19%

4️⃣ Sanlam Fixed Income Fund — 11.18%

5️⃣ Zimele Fixed Income Fund — 11.14%

6️⃣ Kuza Fixed Income Fund — 9.67%

7️⃣ Co-op Bond Fund — 9.66%

🟢 MONEY MARKET FUNDS

1️⃣ Nabo Money Market Fund — 9.48%

2️⃣ Faulu Money Market Fund — 9.44%

3️⃣ Cytonn Money Market Fund — 9.42%

4️⃣ Jubilee Money Market Fund — 9.10%

5️⃣ Lofty Corban MMF — 9.10%

6️⃣ Enwealth Money Market Fund — 9.00%

7️⃣ Kuza Money Market Fund — 8.99%

What Do The Numbers Tell Us?

🏆 Fixed Income Funds comfortably win the return battle.

Out of the top 7 FIFs, 5 delivered net annualized returns above 10%.

Among the top 7 MMFs, none crossed the 10% net mark.

The highest FIF, Arvocap Almasi at 16.08%, was 6.60 percentage points ahead of the highest MMF, Nabo at 9.48%.

But does this mean you should abandon MMFs?

Absolutely not.

The best investment is not simply the one with the highest return.

It is the one that matches the purpose of your money.

MMFs primarily invest in short-term instruments such as Treasury Bills, commercial papers, fixed deposits and call deposits.

They are excellent for:

🔸 Emergency Funds

🔸 Sinking Funds

🔸 Parking idle cash

🔸 Short-term goals

🔸 Investment accumulation

FIFs invest more heavily in government bonds, corporate bonds and other medium- to long-term fixed-income securities.

They are better suited for:

🔹 Children's Education

🔹 Home Purchase or Construction

🔹 Retirement Planning

🔹 Business Expansion

🔹 Financial Freedom Portfolios

🔹 Long-term Wealth Growth

🔹 Building Passive Income

My Approach?

👉 MMF for liquidity and short-term money.

👉 High-quality FIFs for medium- to long-term wealth building.

Don't ask, “Which fund is better?”

Ask:

“What job do I need this money to perform?”

📲 WhatsApp me “BEST MMF” or “BEST FIF” on 0703472299, and I'll share my recommendations.

Which one are you choosing: MMF or FIF?

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 0703472299

07/09/2026

My Ksh 100K Investment Has Grown by 28.67% in Just Five Months!

🟢 That is a Ksh 28,665.73 gain!

Here is my Arvocap Thamani Equity Fund Performance Update as at 1st September 2026.

On 2nd April 2026, I invested Ksh 100,000 in the Arvocap Thamani Equity Fund.

At around the same period, I also started my Ksh 100,000 Stock Market Challenge, whose performance I have consistently shared with you.

The goal?

To compare what happens when I pick and manage stocks myself versus when I entrust the job to a professional fund manager.

Five months later, here is where the Thamani investment stands:

✔️Amount Invested: Ksh 100,000

✔️Current Value: Ksh 128,665.73

🟢 Gain: Ksh 28,665.73

📈 Growth: 28.67%

And the journey is getting even more interesting.

So, why did I take on this challenge?

Direct stock investing offers high risk and potentially high returns.

But it requires knowledge, patience, research and time.

You need to know which stocks to buy, when to buy, when to hold and, sometimes, when to exit.

Not everyone has the time or expertise to do this consistently.

And that is where an Equity Fund becomes interesting.

The concept is simple:

👉 You still gain exposure to the stock market.

👉 But instead of selecting and managing individual stocks yourself, you entrust your money to a professional fund manager who does the heavy lifting for you.

I chose Arvocap Asset Managers and invested in the Thamani Equity Fund.

So far?

Ksh 100,000 ➝ Ksh 128,665.73.

That is impressive growth over five months.

⚠️ But don't let the 28.67% return make you ignore the risk.

Equity funds are high-risk investments because their underlying assets are primarily stocks.

Thamani Equity Fund is rated 5 out of a risk scale of 7

This is NOT where you put your emergency fund, school fees or money you will need in the short term.

You invest here with a long-term horizon, the capacity to withstand market volatility and the objective of capital growth.

And remember: past performance does not guarantee future returns.

Next:

📌 My Ksh 100K Stock Portfolio vs. My Ksh 100K Thamani Equity Fund.

Which one is winning?

If you would like to invest in the Thamani Equity Fund, WhatsApp me “THAMANI” on 0703 472 299, and I will help you get started.

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 WhatsApp: 0703472299

04/09/2026

Best Performing Fixed Income Funds As at 31st August 2026 ➖ (14 Funds Analyzed)

If you invested Ksh 30,000 every month in a good Fixed Income Fund earning an average 12% net annual return for the next 15 years, with contributions made at the beginning of each month...

You would have approximately Ksh 15,137,280.

You contributed only Ksh 5.4 million.

The remaining Ksh 9,737,280 is wealth created through the power of compounding!

This is why Fixed Income Funds (FIFs) remain one of the most overlooked investment opportunities in Kenya.

Everyone talks about Money Market Funds.

Very few people talk about FIFs.

Yet FIFs continue to quietly deliver impressive returns.

As at 31st August 2026, 5 of the 14 funds analyzed delivered net returns above 10% after tax.

The biggest difference?

MMFs mainly invest in short-term securities, while FIFs can invest across both short- and long-term fixed-income assets, including Treasury Bills, Treasury Bonds, Corporate Bonds and other approved securities.

Here Are The Top Fixed Income Funds — After Tax:

1️⃣ Arvocap Almasi Fund ➖ 16.08%

2️⃣ Lofty-Corban Bond Fund ➖ 11.55%

3️⃣ Etica Fixed Income Fund ➖ 11.19%

4️⃣ Sanlam Fixed Income Fund ➖ 11.18%

5️⃣ Zimele Fixed Income Fund ➖ 11.14%

Key Insights:

The average after-tax return across all 14 funds now stands at 9.99%, down from 10.49% in July.

The average gross market yield also declined from 12.34% to 11.88%.

Top 3 Gainers

✔️ Arvocap Almasi: +1.53% (19.11% → 20.64%)

✔️ Co-op Bond Fund: +1.02% (10.34% → 11.36%)

✔️ Zimele Fixed Income Fund: +0.92% (12.18% → 13.10%)

Biggest Decliners

🔻 Sanlam Fixed Income Fund: -2.68% (15.84% → 13.15%)

🔻 Nabo Fixed Income Fund: -2.51% (12.84% → 10.33%)

🔻 ICEA Fixed Income Fund: -2.39% (13.47% → 11.08%)

Macroeconomic Update

📈 Inflation: 6.5% → 6.6%

Treasury Bill yields remained relatively stable:

🔸 91-Day: 8.79% → 8.77%

🔸 182-Day: 8.95% → 8.94%

🔸 364-Day: 9.02% → 9.03%

👉 CBR remained unchanged at 8.75%.

What Does This Mean?

Your money must do more than simply grow.

It Must Grow Faster Than Inflation.

If your investment consistently earns below inflation, your purchasing power is quietly being destroyed.

A well-selected FIF can be suitable for:

✔️ Children's Education

✔️ Home Purchase or Construction

✔️ Car Purchase

✔️ Retirement Planning

✔️ Financial Freedom Portfolio

✔️ Business Expansion

✔️ Wedding Fund

✔️ Medium- to long-term wealth accumulation

The Secret Move

Many investors automatically default to Money Market Funds.

But look deeper.

The best-performing FIF delivered 16.08% net after tax, while the average across the 14 funds was 9.99%.

That is why you don't just choose an investment because it is popular.

You choose it because it fits your goal, risk profile, liquidity needs and expected return.

📲 WhatsApp me "BEST FIF" on 0703472299, and I'll share my favourite Fixed Income Funds.

Your Turn...

👇 Do you already have a Fixed Income Fund account?

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 WhatsApp: 0703472299

03/09/2026

My Ksh 100,000 Stock Portfolio Has Now Crossed Ksh 114,000! ➖ Ksh 14,968.86 Profit (1st September 2026)

The portfolio continues to gather momentum!

🟢 +Ksh 14,968.86 PROFIT!

The market tested my patience before rewarding it.

Here is how the portfolio has progressed:

📉 1st April 2026: -Ksh 8,625.16

📉 30th April 2026: -Ksh 3,151.28

📉 10th June 2026: -Ksh 2,904.80

📈 1st July 2026: +Ksh 2,797.58

📈 1st August 2026: +Ksh 9,037.68

1st September 2026: +Ksh 14,968.86

That means the portfolio has recovered an incredible Ksh 23,593.98 from its lowest point.

Slowly.

Steadily.

Exactly how long-term wealth is built.

Portfolio Snapshot:

🔹 Total Investment: Ksh 100,005.50

🔹 Current Portfolio Value: Ksh 114,974.32

🔹 Overall Profit: Ksh 14,968.86

Portfolio Return: approximately 14.97%

And here is what gets interesting...

🟢 KCB Group is now leading the portfolio with an unrealized gain of approximately Ksh 4,318.

🟢 Safaricom continues its strong run, delivering approximately Ksh 3,657 in gains.

🟢 Kenya Reinsurance has exploded from a modest Ksh 52 gain last month to approximately Ksh 2,768 in profit.

🟢 Stanbic Holdings remains firmly profitable at approximately Ksh 2,350.

🟢 Absa Bank Kenya has delivered approximately Ksh 1,876 in gains.

Every single stock remains profitable.

But here is the bigger lesson...

On 1st April, this portfolio was down Ksh 8,625.16.

Five months later, it is up almost Ksh 15,000.

Imagine if I had panicked and sold!

This is where many investors lose the game.

They become excited when prices rise...

And fearful when quality companies become cheaper.

I look at it differently.

👉 When quality companies become cheaper, I become more interested, not more afraid.

The stock market rewards patience, discipline and a clear strategy.

If your goal is capital gains:

🔸 Know your entry price.

🔸 Know your target price.

🔸 Stick to your investment thesis.

If your goal is dividend income:

✔️ Buy quality companies.

✔️ Reinvest your dividends.

✔️ Give compounding time to work.

Remember:

Daily Price Movements Are Temporary.

Great businesses can create wealth over decades, not days.

I'm still running this challenge through Ziidi Trader on the Safaricom OneApp.

Simple. Accessible. Efficient.

⚠️ Disclaimer: Safaricom PLC does not endorse any particular shares. Ziidi Trader simply provides access to the Nairobi Securities Exchange. Investing in shares carries risk.

Now tell me...

How Is Your Stock Portfolio Performing So Far?

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 WhatsApp 0703472299

02/09/2026

10 Best Performing Money Market Funds As at 31st August 2026 ➖ 33 MMFs Analyzed!

If you invested Ksh 1,500,000 in an MMF earning 10% net annually, after 5 years you would have approximately Ksh 2,467,963.

That's Ksh 967,963 earned through compound interest.

At a 6% simple-interest Bank Fixed Deposit, the same Ksh 1.5M would grow to Ksh 1,950,000.

👉 The MMF leaves you approximately Ksh 517,963 better off!

This is why an MMF should be one of your core savings and investment accounts.

Here Is the Latest MMF Performance Update:

None of the 33 MMFs crossed the 10% net return threshold after tax.

🏆 Top 10 Performers

1️⃣ Nabo Money Market Fund ➖ 9.48%

2️⃣ Faulu Money Market Fund ➖ 9.44%

3️⃣ Cytonn Money Market Fund ➖ 9.42%

4️⃣ Jubilee Money Market Fund ➖ 9.10%

5️⃣ Lofty Corban MMF ➖ 9.10%

6️⃣ Enwealth Money Market Fund ➖ 9.00%

7️⃣ Kuza Money Market Fund ➖ 8.99%

8️⃣ Madison Money Market Fund ➖ 8.98%

9️⃣ Globetec Money Market Fund ➖ 8.85%

🔟 Old Mutual Money Market Fund ➖ 8.81%

Key Insights

🆕 3 New MMFs Joined The Analysis:

✔️Globetec MMF ➖ 8.85%

✔️ Rejesha MMF ➖ 8.76%

✔️ CPF MMF ➖ 7.86%

The average after-tax return across the 33 MMFs stands at 7.89%.

📈 Biggest Improvements Since 31st July

✔️ Faulu: +0.68%

✔️ Jubilee: +0.58%

✔️ Gencap: +0.48%

✔️ Equity: +0.48%

📉 Biggest Declines

✔️KCB: -0.96 %

✔️ Nabo: -0.59 %

✔️Britam: -0.45 %

✔️Etica: -0.43 %

Macroeconomic Update

👉 Inflation increased from 6.5% to 6.6%.

Treasury Bill yields remained relatively stable:

🔸 91-Day: 8.79% → 8.77%

🔸 182-Day: 8.95% → 8.94%

🔸 364-Day: 9.02% → 9.03%

👉 CBR remained unchanged at 8.75%.

What Does This Mean?

If your MMF consistently earns below inflation, your purchasing power is quietly shrinking.

Aim for a fund that consistently beats inflation and compare its performance against the market average of 7.89% after tax.

MMFs are ideal for your:

✔️Emergency Fund

✔️Sinking Funds

✔️ Business Cash Flow

✔️ School Fees

✔️ Short-Term Investments

✔️ Cash awaiting your next investment

Every shilling should have a job.

Your money should work just as hard as you do.

📲 WhatsApp “BEST MMF” to 0703472299 and I'll help you identify a suitable MMF based on your financial goals.

👇 How is your MMF currently performing?

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 WhatsApp: 0703472299

Market Funds Performance Report as at 31st August 2026. 👇

01/09/2026

The Sinking Fund Concept ➖ The Silent Cause of Panic, Bad Debt & Investment Failure!

To some of you, this will be a completely new concept.

To others, you have heard about it, but you have never actually implemented it.

Today, we simplify it.

A Sinking Fund solves one of the biggest blind spots in your budget:

Predictable Expenses That Don’t Happen Every Month.

Think about these:

✔️ School Fees

✔️ Insurance Renewals

✔️ Travel & Vacations

✔️ Birthdays & Celebrations

✔️ Phone Upgrades

✔️ Furniture & Appliances

✔️Christmas Expenses

✔️ Anniversaries

✔️ Car Maintenance & Repairs

These are NOT emergencies.

They are predictable expenses that you failed to plan for.

And when they finally hit…

Your budget collapses.

You create a deficit.

You borrow.

Or worse, you raid your investments.

👉 Compound interest gets disrupted.

👉 Bad debt creeps in.

👉 Your financial plan gets derailed.

And here is another uncomfortable truth:

This Is One Of The Reasons Many People Unknowingly Live Above Their Means.

Because these expenses rarely appear in your monthly budget, they create the illusion that you can afford your current lifestyle.

Until they arrive.

Here is a quick test:

If You Included ALL These Predictable Expenses In Your Monthly Budget, Would Your Budget Still Balance?

If not, you may be living above your means.

That is where a Sinking Fund comes in.

Here is how to build one:

📌 Identify all predictable future expenses.

📌 Estimate how much each will cost.

📌 Determine how many months remain before you need the money.

📌 Divide the amount by the number of months.

For example:

Your birthday is 12 months away.

You normally spend Ksh 30,000.

Ksh 30,000 ÷ 12 = Ksh 2,500 monthly.

Start setting aside Ksh 2,500 every month.

When your birthday arrives, the money is READY.

No panic.

No borrowing.

No touching your investments.

Where Should You Keep Your Sinking Fund?

I prefer a Money Market Fund (MMF)—separate from your emergency fund and long-term investments.

Personally, I use Arvocap MMF because I can create different wallets for different goals and even lock them to reduce the temptation of disrupting the goal.

All inside one MMF account.

📲 WhatsApp me “ARVOCAP MMF” on 0703472299, and I will guide you on how to get started.

Remember:

A Predictable Expense Should NEVER Become A Financial Emergency Simply Because You Failed To Plan For It.

Plan it.

Fund it monthly.

Spend it guilt-free when the time comes.

That is the power of a Sinking Fund.

Simple. Practical. Powerful.

Execute it.

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 WhatsApp: 0703472299

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