Where would you put your Ksh 5,000 ($50 dollars) every month? Or a lump sum of ksh 100,000 and you don’t know where to put it?

Well with the new year and one month out already, you probably have a financial feel of how the year is shaping up. Spending goals, debt management goal, and savings goals but where should you invest your money?

While no investment return is guaranteed, Let’s get to dive into some of the investments to consider in 2019 through research and analysis;

#1: Treasury bills

According to the Central Bank of Kenya, treasury bills are a secure, short-term investment, offering you returns after a relatively short commitment of funds.

Follow this step-by-step guide to investing in Treasury bills through the Central Bank:

  1. The first step to investing in Treasury bills is to open a CDS account with the Central Bank. 
  2. Decide How You Want to Invest; Treasury bills are offered every week, with maturities of 91 days, 182 days and 364 days.
  3. Complete and Submit an Application Form; when you are ready to invest, you need to complete a Treasury bill application form.
  4. Get the Auction Results from the auction are published, both in a daily newspaper and the Central Bank Of Kenya statistics section.

#2: Rental income & income generating properties.

Housing is one of the most rising demands in Kenya and it will be for a long time. Housing is a basic need and you investing in it by solving the need can be a goldmine.

REITS (A real estate investment trust) is a company that owns, and in most cases operates, income-producing real estate.

REITs are traded on the NSE like any other company share, offering investors a liquid stake in real estate.

Buying REITs directly on the NSE can be done in the same way you can buy shares.

You can also be the owner by investing in rental real estate and becoming the landlord yourself other than owning a share.

Subletting is also a deal in town. Where you buy an apartment lets say in a hotel or resort then sublet as accommodation or Airbnb.

#3: Sacco Investing.

Sacco Investing is one of the popular investments in Kenya And there is a reason why. Saccos have a return investment in the form of dividends from the interest and your savings contributions.

Apart from the benefits you also get to save for a certain goal you have set; it could be land investing, housing or business.

The most important thing as you scout for a Sacco is your due-diligence. Do a background check on the Sacco before putting all your money there.

#4.Stock Market.

 2019 is an ideal time to invest with the NSE since it is expected to display a better performance as compared to last year.

Buying shares in performing companies can be a good way to start your stock market investment journey.

#5.Technology.

Technology is one of the fastest yet rewarding sectors in Kenya. In the digital era of smart life, everyone wants a smart life.

From e-business to mobile money to ICT startups technology seems to be the next big thing.

Based on your risk assessments and need analysis you should be able to know what works for you investment-wise and not just consider a potential return.