This 2026 there are good investments to make and earn up to Ksh1 million per month. Always choose the investments with the highest returns but moderate risk. Here is a list of the top 10.
Sacco shares
Invest in Sacco shares where you will earn dividends annually. If you invest Ksh1 million, you will earn Ksh 100,000 to Ksh150,000 worth of dividends per year.
Stima, Ushuru, Harambee and Mwalimu are some of the best Saccos in Kenya.
Interest on your savings will be 10% to 18% per year.
Money Market Fund
Another risk-free investment to make in Kenya 2026. You are allowed to invest as little as Ksh100. MMF earns interest daily. In Kenya, the interest rate ranges between 7% and 18% per year.
Best MMF in Kenya include:CIC,Etica,Britam,Madison,ICEA Lion,Old Mutua,APA and Ziidi.
Cryptocurrency
Invest in Crypto and earn money daily. The risks are higher but earnings can also be higher. Right now, the coin prices are lower, which is the right time to invest. If you invest Ksh1 million in Bitcoin, you will make more than Ksh300,000 in 2026.
Fixed Deposit Account
This is for people who want to do long term investments. You will earn interest of 4% to 12% per year. The longer you invest the better. Stanbic Bank, Standard Chartered Bank and NCBA are among the best banks for Fixed Deposit account.
52 Week saving Challenge
Join 52 weekly challenge and save as little as Ksh50 per day. This money will earn interest monthly. You will also be able disciplined in how you save. If you save Ksh2000 monthly, you will be having over Ksh22,000 in 12 months.
Safaricom,SMEP and NRS Sacco are some of the companies with 52 week Saving Challenge options.
Run YouTube channel or Facebook page
It’s important to create content on Facebook or YouTube in order to generate income. You will be earning passive income monthly.
Safaricom Bond
You should also plan to invest in Safaricom bond. You will earn interest of 10.4% per year. If you invest Ksh100,000, it means you will earn interest of 10,400 per year. In 5 years, your money will grow to more than Ksh150,000.
Rentals
Build rentals and earn passive income forever. With a capital of Ksh2 million you will build rentals that will generate Ksh10,000 to Ksh20,000 per month. Grow over time.
Even when the economy is not doing well you will still be making money from your rentals.
Farming
Buy land and start doing farming. You can also lease the land and do farming. Investment in farming will yield good returns. Currently, the population that consume food is higher than the one producing.
You can plant avocado,watermelon,oranges,lemon ,sweet potatoes ,bananas and mangoes.
Start a profitable business
Even if you are employed, identify a good business and set it up. The business will generate extra income. Some of the most profitable businesses include:
Airbnb, Mali mali business, grocery shop, hardware shop
