How Ndovu is Changing the Investment Landscape in Kenya

Kenya’s investment sector has traditionally been difficult to access due to high entry costs, complex processes, and limited awareness of alternative financial options. Ndovu is changing this by making investing in global and local markets seamless, secure, and affordable. 

Ndovu, a CMA-licensed Fund Manager, through its digital investment platform, is changing this by making investing in global and local markets seamless, secure, and affordable.

Ndovu allows users to invest in U.S. stocks, ETFs, government bonds, and money market funds with low minimum capital and full mobile money integration. Let’s explore how Ndovu is democratizing investing in Kenya, its key offerings, and how you can start investing today.

Why Traditional Investing in Kenya is Challenging

For years, investing was limited to high-net-worth individuals and institutional investors due to:

• High initial capital requirements – Many platforms required KES 10,000+ to begin investing.
• Limited access to global markets – Buying stocks in companies like Apple and Tesla required offshore brokerage accounts.
• Cumbersome registration processes – Lengthy paperwork and multiple approvals discouraged new investors.
• Lack of financial literacy – Many Kenyans were unaware of investment options beyond bank savings accounts.

Ndovu removes these barriers by offering digital-first investing with lower minimums, direct mobile money integration, and a user-friendly platform.

Investing in U.S. Stocks with KES 1,000

Previously, Kenyans needed at least KES 7,500 ($50) to invest in global stocks. Ndovu lowers this barrier, allowing users to start investing with as little as KES 1,000. This makes it easier for more people to buy fractional shares in top global companies such as Apple, Tesla, Google, and Microsoft.

How Fractional Shares Work

• Instead of purchasing an entire stock, investors can own a fraction of a share based on their budget.
• Investors still earn dividends and capital gains based on the fraction they own.
• No foreign brokerage account is required – Ndovu handles all transactions within its platform.

This makes global investing more accessible than ever for Kenyan investors. Please note that fees may apply for fractional share transactions.

Ndovu Fund – High-Yield Money Market Fund (MMF)

For those looking for stable returns with minimal risk, Ndovu offers a money market fund that has historically provided an annual return of 13.06% (rate as at December 31, 2024). This is significantly higher than traditional savings accounts, which typically offer 7-10% interest. 

Why Invest in Ndovu Fund?

• High Annual Return – Historically, (13.06% per annum rate posted in December 31, 2024), among the highest in Kenya.
• Low Minimum Investment – KES 500 is enough to get started.
• No Lock-In Period – Investors can withdraw their money anytime without penalties.
• Invests in Treasury Bills & Fixed Deposits – A low-risk option for growing wealth.

This fund is ideal for those looking to grow their money passively while maintaining liquidity.

Other Investment Options on Ndovu

Exchange-Traded Funds (ETFs)

Ndovu provides access to curated ETFs, offering diversified investments in:

• S&P 500 Fund – Exposure to the 500 largest U.S. companies.
• Gold Fund – A hedge against inflation.
• The Techie Fund – Focuses on leading tech companies.
• Kings of Blockchain – Invests in top blockchain and crypto-related firms.

Government Bonds

Ndovu explain that it also enables users to invest in Kenyan government infrastructure bonds, which are considered low-risk and currently offer tax-free interest under Kenyan law.

Shariah-Compliant Investments

For ethical investors, Ndovu offers the Halaal Fund, a Shariah-compliant investment option that avoids interest-based returns. The fund invests in assets that align with Islamic principles and is overseen by a Shariah advisory board.

How Ndovu Ensures Security and Compliance

Security is a priority in online investing. Ndovu has implemented multiple layers of protection, including:

• Regulated by the CMA Kenya – Ensuring transparency and compliance with laws and regulations.
• Advanced Encryption – Utilizing bank-level security protocols, including two-factor authentication and encrypted data storage.
• Funds Held in Custodial Accounts – Separate from company finances for added investor protection.

How to Get Started with Ndovu

1. Install the Ndovu app – Download here
2. Sign up – Create an account and verify your identity.
3. Choose an Investment – Pick between U.S. stocks, ETFs, government bonds, or money market funds.
4. Deposit via M-Pesa – Start investing with as little as KES 1,000 for U.S. stocks or KES 500 for the Ndovu Fund.
5. Track Your Growth – Use the Ndovu app to monitor and manage your investments.

Investing is now easier than ever. Join thousands of Kenyans taking control of their financial future with Ndovu. Start investing today – Download the Ndovu app and begin your journey toward financial growth. Start investing today.

This article is for informational purposes only and does not constitute financial or investment advice.