If you have Ksh100,000 you want to invest in Kenya, you can do so in different ways. Remember that you can utilize the money by starting a business or investing in various investment opportunities available.
Buy Kenya Pipeline Shares
Currently, Kenya Pipeline Shares are being sold and each share is going for Ksh9 only. Ksh100,000 will buy more than 11,000 shares. Since the company is generating profits, you will be making money annually through the shares.
Invest in a Sacco
Join a Sacco and invest your money there. You can buy shares worth Ksh50,000 and also save your money and earn dividends. Ksh 100,000 will earn dividends of Ksh 10,000 and above annually.
But ensure that you choose the right Sacco so as not to lose your money. Top Saccos include Kenya Police Sacco,UN Sacco,Sheria Sacco,Stima Sacco,Kimisitu Sacco and Ushuru Sacco.
Buy 20 sheep
If you are living in the village, buy 40 sheep and grow them. Each young sheep will cost Ksh4000 and after 1 year, you will sell the same for Ksh10,000 to Ksh15,000. Your Ksh100,000 will yield over Ksh 200,000 profit.
Invest in Money Market Fund
If you don’t have ready plan on the type of business to start, deposit the money in MMF. A saving of Ksh100,000 will yield interest of 8%-18% per year depending on the company to invest with.
Best MMF companies in Kenya include:Old Mutual,CIC,Jubilee Insurance,Etica,APA,Madison and Standard Chartered Bank.
The good thing about MMF is that one can withdraw the money any time. You can also save as little as Ksh100.
Start a grocery store
As we know,life is tough in 2026 because most Kenyans are broke. However, starting a grocery shop will work to your advantage because people must buy food. With a capital of Ksh100,000,you can comfortably start the business and make over Ksh 1,000 daily.
Mali mali business
You can also start mali mali business and make decent profits. This is one business that is doing well in Kenya. Sell crocks, hoodies, branded t-shirts and other items that are fashionable to the Gen Z.
Salon business
Start the business of salon where you will incorporate kinyozi and manicure pedicure and massage. The Ksh 100,000 will be enough to start a salon and later upgrade. You just have to start from scratch and grow over time.
Invest in Cryptocurrency
Buy Bitcoin, Solana ,Ethereum and other coins. Ksh100,000 can yield over Ksh200 daily. The market keeps changing—you will make profits and losses. Overally,you will make profits each year.
Pursue a marketable diploma course
If you are jobless, you can spend the Ksh100,000 on skills. Identify a marketable course and enrol for it. Ksh100,000 is enough for a diploma course.
Some of the most marketable diploma courses include: Dental Surgery, Catering and accommodation, electrical installations, welding and fabrications, catering and accommodation, computer science,IT,Nursing or Quantity Surveying.
After graduation, you can employ yourself or get employed somewhere.
Start a kibanda for selling food
In major towns especially near matatu stages, look for a good place to set up a kibanda. You will build a temporary structure for less than Ksh50k. Use the rest of the money to buy food and items for cooking.
Once you are set, be sure of making over 3k daily profits.
Farming
Farming is a new goldmine. If you live in the village, don’t hesitate to grow crops and vegetables. Sukuma wiki,cabbages,avocado,onions and tomatoes are some of the best crops to grow. You can also do kienyeji chicken farming.
Start pool business
You need a capital of Ksh70,000 to Ksh100,000 to start pool business.
Mpesa shop
Instead of investing your money in MMF or Sacco and earn Ksh10,000 annually, you can start Mpesa shop and make up to Ksh3000 daily. But there are also risks associated with running Mpesa such as theft and float issues.
