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

13/10/2026

How To Create Ksh 200,000 Monthly Passive Income To Fund Your Lifestyle ➖ Financial Freedom Strategy

Financial freedom is when your money works hard enough for you that working becomes a choice, not a necessity.

You have enough passive income to fund your lifestyle, protect your time and live life on your own terms.

So, how much should you invest monthly to build a portfolio that could generate approximately Ksh 200,000 in monthly passive income?

Using an assumed annual distribution rate of 10%, equivalent to 10% ÷ 12 per month:

👉🏾 Ksh 200,000 × 12 ÷ 10% = Ksh 24 million

You Can Use my Simplified Rule of 0.83333%

👉🏾 Ksh 200,000 ÷ 0.83333% = Ksh 24 million

That is your target portfolio Amount.

If you give yourself 15 years, here is what your monthly investments could grow into:

🟢 Money Market Fund

✔️ Assumed net annual return: 10%

✔️ Monthly investment: Ksh 57,500

✔️ Projected Value: Ksh 24,030,645

✔️ Potential monthly income: Ksh 200,255

🟡 Fixed Income Fund

🔸 Assumed net annual return: 15%

🔸 Monthly investment: Ksh 39,000

🔸 Projected Value: Ksh 24,038,258

🔸 Potential monthly income: Ksh 200,319

🔵 Special Fund

🔹 Assumed net annual return: 18%

🔹 Monthly investment: Ksh 27,000

🔹 Projected Value: Ksh 24,149,374

🔹 Potential monthly income: Ksh 201,245

These projections assume contributions at the beginning of each month, with monthly, annual and quarterly compounding respectively.

All income figures use a 10% annual distribution rate.

The higher the return, the lower the monthly contribution required.

⚠️ These are illustrations, not guarantees. Actual returns fluctuate, and inflation will reduce the purchasing power of your future income.

There is one practical challenge: minimum deposits and top-ups.

📌 Mansa-X: Ksh 250,000 to start; Ksh 100,000 minimum top-up.

📌 Arvocap Almasi: Ksh 100,000 to start; Ksh 100,000 minimum top-up.

👉🏾 You can accumulate money in your MMF, then transfer it when you reach the required amount.

This changes the timing of contributions and the projected outcome.

👉🏾 Considering a low-interest loan (below 12%) and invest it as a lump sum, then repay it monthly using an amount equal to your planned monthly investment.

Now,

📲 WhatsApp me “PASSIVE INCOME” on 0703 472 299.
I will help you explore suitable investments for your financial freedom portfolio.

➿➿
➖ Alex Mwangi | The Cent Warrior | 📲 0703 472 299

12/10/2026

Kuza Momentum Special Fund Q3 Performance Update ➖ 9.44% Net Return in KES in 9 Months!

The Q3 2026 numbers are in!

Here is how the Kuza Momentum Special Fund performed as at 30th September 2026:

🟢 Kuza Momentum Special Fund – KES

🔹 6-Month Return: 6.16%

🔹 9-Month Return: 9.44%

How Has The Fund Performed Over The Last 12 Months?

From October 2025 to September 2026:

📌 12-Month Return: 11.88%

For perspective, the fund delivered 20.62% in the full year 2025.

📌 Assets Under Management (AUM): KES 965.40 Million

These are actual returns over the stated periods, net of management fees.

Asset Allocation As At September 30th 2026

✔️Corporate Debt: 51%

✔️Collective Investment Schemes: 34%

✔️Government Securities: 3%

✔️Quoted Securities: 9%

✔️ Eurobonds: 3%

What Is Kuza Momentum’s Investment Approach?

The fund aims to grow your capital over the long term by investing in a diversified mix of equities and fixed income securities, locally and offshore.

It targets investors willing to commit to a 3–5-year investment horizon.

What Do You Need To Get Started?

🔸 Minimum investment: Ksh 100,000

🔸 Minimum top-up: Ksh 50,000

🔸 Lock-in period: 6 months

🔸 Risk rating: Moderate — 3 out of 5

Before you invest, understand where your money goes and whether the fund fits your goals, investment timeline and appetite for risk.

⚠️ Your Investment Value Can Rise Or Fall. Past Performance Does Not Guarantee Future Returns.

Share With Us:

Are You Happy With This Performance?

📲 WhatsApp me “KUZA MOMENTUM” And I Will Help You Get Started.

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

10/10/2026

Your Children Should Never Have To BEG For A Place To Call HOME After Losing You.

Today, your children have a home.

They know where they will sleep, who will pay their school fees and who will take care of them.

You are holding their world together.

But pause and think…

If You Never Came Back Home Tomorrow, Who Would Take Over Your Financial Responsibilities?

Your brother?

Your sister?

Your parents?

They may love your children deeply.

But they also have rent to pay, children to educate, debts to clear and families depending on them.

✔️ Love Does Not Automatically Create The Money Needed To Raise Another Child.

Now imagine your children hearing:

“We cannot keep them any longer.”

“Let them stay with their uncle.”

“We also have our own problems.”

Then, they get tossed from one home to another.

Different schools. Different rules.

No certainty about where they belong.

They have barely understood why you are no longer coming home…

And now, they have to deal with feeling unwanted.

Losing you is painful enough.

They should not also lose their stability, dignity and sense of belonging.

This is why you need a financial Plan B.

🟢A Whole Life Protection and Inheritance Policy.

It provides a lump sum to your beneficiaries when you pass on, subject to the policy terms.

Money that can help the people caring for your children:

✔️ Keep a roof over their heads.

✔️ Pay their school fees.

✔️ Put food on the table.

✔️ Meet their everyday needs.

✔️ Preserve an inheritance for their future.

You cannot replace your presence.

But you can leave financial support so that caring for your children does not depend entirely on a relative’s ability to pay.

Do not simply say, “My family will take care of them.”

Give that family the financial means to do so.

Your children depend on the income you bring home today.

Put A Plan In Place To Support Them When You Can No Longer Bring It Home.

📲 WhatsApp me “WHOLE LIFE” on 0703472299 And I will help you secure a Whole life Protection Plan For Your Children.

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

08/10/2026

Oak Special Fund Q3 Performance Update ➖ 12.28% Net Return in KES & 7.93% in USD in 9 Months!

The Q3 2026 numbers are in!

Here is how the Oak Special Fund performed as at 30th September 2026:

🟢 Oak Special Fund – KES

🔹 Q1 net return: 4.72%

🔹 Q2 net return: 3.19%

🔹 Q3 net return: 3.90%

9-month net return: 12.28%

🔵 Oak Special Fund – USD

🔸 Q1 net return: 2.98%

🔸 Q2 net return: 2.35%

🔸 Q3 net return: 2.40%

9-month net return: 7.93%

How Has The Fund Performed Over The Last 12 Months?

From October 2025 to September 2026:

📌 KES fund: 16.68%

📌 USD fund: 10.35%

These are actual returns over the stated periods, net of fees.

What Is Oak’s Investment Philosophy?

Three clear priorities:

✔️ Preserve your capital.

✔️ Aim for returns that beat inflation.

✔️ Build your wealth over time.

Before you invest, understand how the fund works and whether it fits your goals, investment timeline and appetite for risk.

⚠️ Past Performance Does Not Guarantee Future Returns.

Share With Us:

Are You Happy With This Performance?

📲 WhatsApp me “OAK” And I Will Help You Get Started...

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

08/10/2026

Money Market Funds Vs. Fixed Income Funds Performance Update ➖ As at 30th September 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 money should not just sit idle in a bank account when there are better alternatives available.

Now, let the numbers speak.

Here is how the Top 7 FIFs and MMFs performed as at 30th September 2026, based on annualized net returns after management fees and 15% withholding tax.

🟢 FIXED INCOME FUNDS

1️⃣ Arvocap Almasi Fund — 16.82%

2️⃣ Lofty-Corban Bond Fund — 11.84%

3️⃣ Etica Fixed Income Fund — 11.21%

4️⃣ Zimele Fixed Income Fund — 10.58%

5️⃣ Sanlam Fixed Income Fund — 10.29%

6️⃣ ICEA Fixed Income Fund — 9.76%

7️⃣ Madison Fixed Income Fund — 9.60%

🟢 MONEY MARKET FUNDS

1️⃣ Cytonn Money Market Fund — 9.35%

2️⃣ Nabo Money Market Fund — 9.21%

3️⃣ Faulu Money Market Fund — 9.14%

4️⃣ Madison Money Market Fund — 9.11%

5️⃣ Lofty Corban MMF — 9.07%

6️⃣ Enwealth Money Market Fund — 9.03%

7️⃣ Jubilee Money Market Fund — 9.01%

What Do The Numbers Tell Us?

🏆 Fixed Income Funds continue to comfortably win the return battle.

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

On the other hand, none of the Top 7 MMFs crossed the 10% net return mark.

The highest-performing FIF, Arvocap Almasi at 16.82%, is currently 7.47 percentage points ahead of the highest-performing MMF, Cytonn at 9.35%.

But does this mean you should abandon MMFs?

Absolutely not!

The best investment is not necessarily the one giving you the highest return.

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

💵 Use MMFs for:

🔸 Emergency Funds

🔸 Sinking Funds

🔸 Parking idle cash

🔸 Short-term financial goals

🔸 Investment accumulation

📈 Use FIFs for:

🔹 Children's Education

🔹 Home Purchase or Construction

🔹 Retirement Planning

🔹 Business Expansion

🔹 Financial Freedom Portfolio

🔹 Long-term Wealth Growth

🔹 Building Passive Income

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

This gives them the potential to generate higher returns, but they may also experience greater fluctuations as interest rates and bond prices change.

My Approach?

👉 MMF for liquidity and short-term goals .

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

Don't simply ask:

“Which fund is giving the highest return?”

Ask:

“What Job Do I Want This Money To Perform?”

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

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

07/10/2026

Etica Special Multi-Asset Fund Q3 Performance Update ➖ 16.61% Net Return in 9 Months!

The Q3 2026 numbers are in!

Here is how the Etica Special Multi-Asset Fund – KES performed as at 30th September 2026:

📌 Q1 net return: 5.02%

📌 Q2 net return: 5.23%

📌 Q3 net return: 5.52%

🟢 9-month net return: 16.61%

All returns are net of fees and taxes, with quarterly compounding.

Where is your money invested?

🔸 Government securities: 48%

🔸 Listed stocks: 23%

🔸 Commercial papers: 23%

🔸 Cash & call deposits: 6%

What Do You Need To Get Started?

✔️ Minimum investment: Ksh 250,000

✔️ Minimum top-up: Ksh 100,000

✔️Lock-in period: 6 months (rolling)

✔️Risk–reward profile: 5 out of 7 — medium-high

⚠️Always remember: Past performance does not guarantee future returns.

📲 WhatsApp me “ETICA SPECIAL FUND” And I Will Help You Get Started...

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

07/10/2026

Best Performing Fixed Income Funds As at 30th September 2026 ➖ (15 Funds Analyzed)

If you invested Ksh 40,000 every month in a good Fixed Income Fund earning an average 12% net annual return for the next 15 years,

You would have approximately Ksh 20,183,040.

You contributed only Ksh 7.2 million.

The remaining Ksh 12,983,040 is wealth created through the power of compounding!

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 Fixed Income Funds.

Yet these funds continue to quietly deliver impressive returns.

As at 30th September 2026, 5 of the 15 Fixed Income Funds analyzed delivered net returns above 10% after tax.

The biggest difference?

MMFs mainly invest in short-term securities, while FIFs invest across both short- and long-term fixed-income assets, including:

➖ Treasury Bills, Treasury Bonds, Corporate Bonds and other approved fixed-income securities.

Here Are The Top Fixed Income Funds — After Tax:

1️⃣ Arvocap Almasi Fund ➖ 16.82%

2️⃣ Lofty-Corban Bond Fund ➖ 11.84%

3️⃣ Etica Fixed Income Fund ➖ 11.21%

4️⃣ Zimele Fixed Income Fund ➖ 10.58%

5️⃣ Sanlam Fixed Income Fund ➖ 10.29%

Key Insights

The average after-tax return across the 15 funds analyzed now stands at 9.85%.

The average gross market yield declined slightly from 11.84% to 11.71%.

Top 3 Gainers This Period

✔️Arvocap Almasi Fund: +1.10% (20.64% → 21.74%)

✔️ ICEA Fixed Income Fund: +0.40% (11.08% → 11.48%)

✔️ Lofty-Corban Bond Fund: +0.34% (13.59% → 13.93%)

Biggest Decliners

🔻 Co-op Bond Fund: -1.69%
(11.36% → 9.67%)

🔻 Sanlam Fixed Income Fund: -1.05%
(13.15% → 12.10%)

🔻 Zimele Fixed Income Fund: -0.65%
(13.10% → 12.45%)

Macroeconomic Update

📈 Inflation: 6.6% → 6.8%

Treasury Bill yields remained relatively stable:

🔸 91-Day: 8.77% → 8.77%

🔸 182-Day: 8.94% → 8.89%

🔸 364-Day: 9.03% → 9.04%

👉 The Central Bank Rate remained unchanged at 8.75%.

What Does This Mean?

Inflation has now risen to 6.8%.

If your money consistently earns below inflation, your purchasing power is quietly being eroded.

This is why you must pay attention to your real return—not just the advertised return.

A well-selected FIF can be ideal 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

Don't automatically put all your money into an MMF simply because MMFs are popular.

Look at the numbers.

The best-performing FIF delivered 16.82% net after tax, compared with an average of 9.85% across the 15 funds analyzed.

Get your money working harder for you.

📲 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

06/10/2026

Mansa-X Special Fund Q3 Performance Update ➖ 16.2% Net Return in KES & 9.22% in USD in 9 Months!

The Q3 2026 numbers are in!

Here is how the Mansa-X Special Fund performed as at 30th September 2026:

🟢 Mansa-X KES Fund

✔️Q3 net return: 4.71%

✔️ 9-month net return: 16.2%

✔️ Annualized net return: 22.16%

🔵 Mansa-X USD Fund

🔸 Q3 net return: 2.51%

🔸 9-month net return: 9.22%

🔸 Annualized net return: 12.48%

📲 WhatsApp me “MANSA-X” to learn how the fund works and whether it fits your financial goals.

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

06/10/2026

My Ksh 100,000 Stock Portfolio Is Still Up Ksh 12,221.94 ➖ Despite 4 Out of 5 Stocks Falling! (1st October 2026)

The market pulled back this month.

But the portfolio is still firmly in profit!

🟢 +Ksh 12,221.94

When I started this challenge, I knew one thing:

The market would test my patience before rewarding it.

And this month is another perfect example.

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 14,968.82

📈 1st October 2026: +Ksh 12,221.94

That means the portfolio has recovered Ksh 20,847.10 from its lowest point.

But something interesting happened this month.

4 out of my 5 stocks dropped in price!

🔴 KCB: Ksh 96.00 ➖ Ksh 91.50

🟢 Kenya Re: Ksh 4.36 ➖ Ksh 4.42

🔴 Stanbic: Ksh 280.50 ➖ Ksh 280.00

🔴 Absa: Ksh 34.40 ➖ Ksh 33.20

🔴 Safaricom: Ksh 38.90 ➖ Ksh 36.50

Kenya Reinsurance was the ONLY stock that gained during the month.

As a result, my portfolio value declined from Ksh 114,974.32 in September to Ksh 112,227.44 in October.

That's a monthly decline of Ksh 2,746.88, or approximately 2.39%.

But look at the bigger picture.

Portfolio Snapshot

🔹 Total Investment: Ksh 100,005.50

🔹 Current Portfolio Value: Ksh 112,227.44

🔹 Overall Profit: Ksh 12,221.94

🔹 Overall Return: approximately 12.22%

And importantly...

Every single stock in the portfolio remains profitable from my original purchase price.

🟢 KCB Group: approx. +Ksh 3,175

🟢 Kenya Reinsurance: approx. +Ksh 3,081

🟢 Safaricom: approx. +Ksh 2,553

🟢 Stanbic Holdings: approx. +Ksh 2,300

🟢 Absa Bank Kenya: approx. +Ksh 1,113

This is exactly why you should never judge your investment portfolio using one month's movement.

Last month, I was up almost Ksh 15,000.

This month, some of those gains have disappeared.

That's the stock market!

Prices rise.

Prices fall.

Your job is not to panic every time the market turns red.

Your job is to understand why you bought the company in the first place.

If the fundamentals remain strong and your investment thesis hasn't changed, a price decline alone shouldn't automatically change your strategy.

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.

Let's see what October brings!

How Is Your Stock Portfolio Performing So Far?

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

05/10/2026

10 Best Performing Money Market Funds as at 30th September 2026 ➖ 32 MMFs Analyzed!

If you invested Ksh 2,000,000 in an MMF earning a constant 9% net annually, compounded monthly, after 10 years you would have approximately Ksh 4,902,714.

That’s Ksh 2,902,714 earned through compound interest.

At an assumed 5% net simple-interest bank fixed deposit, the same Ksh 2 million would grow to Ksh 3,257,789.

👉 The MMF leaves you approximately Ksh 1,644,925 better off!

This is why I advise leaving your money in an MMF instead of parking it in a bank fixed deposit account.

Here Is the Latest MMF Performance Update:

None of the 32 MMFs crossed the 10% after-tax return threshold.

🏆 Top 10 Performers — Annualized After-Tax Yields

1️⃣ Cytonn ➖ 9.35%

2️⃣ Nabo ➖ 9.21%

3️⃣ Faulu ➖ 9.14%

4️⃣ Madison ➖ 9.11%

5️⃣ Lofty Corban ➖ 9.07%

6️⃣ Enwealth ➖ 9.03%

7️⃣ Jubilee ➖ 9.01%

8️⃣ Orient ➖ 8.87%

9️⃣ ArvoCap ➖ 8.87%

🔟 Globetec ➖ 8.85%

Key Insights

The average after-tax yield across the 32 MMFs stands at 7.84%.

📈 Biggest Improvements Since 31st August

✔️ KCB: +1.08 percentage points

✔️ArvoCap: +0.44

✔️ Dry Associates: +0.24

✔️ Apollo: +0.19

📉 Biggest Declines

✔️ CPF: −0.85

✔️African Alliance: −0.73

✔️Gen Africa: −0.56

✔️Faulu: −0.36

Macroeconomic Update

👉 Inflation increased from 6.6% to 6.8%.

Treasury bill yields in the report:

🔸 91-Day: 8.77% → 8.77%

🔸 182-Day: 8.94% → 8.89%

🔸 364-Day: 9.03% → 9.04%

👉 CBR remained at 8.75%.

What Does This Mean?

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

Compare your fund’s after-tax yield against inflation and the 7.84% market average.

But look beyond returns. Consider the fund’s risk, fees and withdrawal terms.

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 for help identifying a suitable MMF for your financial goals.

👇 How is your MMF currently performing?

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

Money Market Funds Performance Report as at 30th September 2026. 👇

Cent Warrior Tribe

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