Regina Nthenya Mulili

26/01/2026

You dont have to predict crashes when you understand how money moves.

24/01/2026

Do you know about bond laddering? If not I can show you how. Low risk, monthly earnings which you can reinvest and keep getting more income.

22/01/2026

Why does a purchase or how you spend your money matter to you?

Not why do you want it, why does it matter. Want is surface. Matter points deeper.

A purchase might matter because it supports confidence, makes daily life easier, or removes friction that drains energy. Or it might matter less than expected once the emotion passes.

This question exposes whether money is being used to build a life, or to momentarily escape one. When spending aligns with what truly matters, there’s no sense of deprivation. There’s relief.

22/01/2026

19/01/2026

Have you caught the buzz with the upcoming Kenya Pipeline Company (KPC) IPO priced at KES 9.00 per share?

While a single-digit price tag looks attractive to retail investors, a look at the fundamentals suggests extreme caution.
​
At KES 9.00, the implied market valuation is KES 163.6 Billion.
​P/E Ratio: 23.8x (Market Average is ~8x)
​Dividend Yield: ~3.9% (vs. Risk-Free Bond Rate of 12.6%)
​
As an investor, why would you accept a 3.9% return on a risky equity when the government is paying you 12.6% tax-free on infrastructure bonds?

To justify KES 9.00, KPC would need to triple its profits immediately an unlikely scenario for a regulated utility.

The fair value is likely closer to KES 3.00 – 3.50.

You are paying KES 24 for every KES 1 of profit. In this economy? No thanks.

Best to wait it out until the buzz dies and buy around 3bob.

17/01/2026

Is Your Portfolio Actually Working Hard Enough?

Most Kenyan investors stop at Money Market Funds or land. Safe, familiar, limited. But resilience doesn’t come from playing small. A real portfolio captures the entire opportunity set, local and global.

As a financial coach, I help you build a Fortress Portfolio; one that taps into every regulated investment option available to you:

🌍 Offshore Investments: Dollar and Euro based funds to protect against currency weakness and access global markets. Preserves your purchasing power when local currency fluctuates.

🚀 Special Funds: High-yield, restricted and private wealth opportunities usually reserved for sophisticated investors.

🛡️ Fixed Income: Treasury bonds and fixed income funds for stable, tax-efficient returns.

📈 Growth Assets: Undervalued NSE stocks and ETFs for long-term growth and inflation protection. Here’s where long-term wealth is built.

My clients get access to:
🌍 Offshore Funds – Invest in dollars and global markets
🔒 Special Funds – High-yield, project-specific opportunities
🏛️ Bonds – Stable, predictable cashflows, often tax-free income-Infrastructure Bonds
💰 Unit Trusts – MMFs and equity funds; preserve capital while earning interest. Safe, boring and essential.

Most people stop at MMFs. My work is to look at your age, income and goals then blend all into a strategy that fits you.
If your portfolio is 100% in Kenya Shillings and 100% in standard MMFs, you are leaving money on the table.
We’re not here to just save.
We’re here to build a machine that works on your behalf.

📲 WhatsApp me and start building a world-class financial structure today

16/01/2026

Do you ever calculate the cost of using fuliza?

For access you are charged 1%, then following is the daily rate

100- 500= 2.5% daily

501-1000= 1% daily

Then it goes on and on

Lets take 2.5% that will translate to 75% per month, 900% per year

Ziidi rates are around 6.11% per year.

Do the math.

And most people will fuliza small amounts when they have money in their ziidi accounts.

You are just not as poor as you think, you just lack financial literacy.

When building wealth every single shilling matters but capitalism fueled by consumerism lied to you........if the money you have cant afford what you want just eat it🤣🤣🤣🤣🤣

But 1k put aside can give you 1.6M which can be start up capital for your child when they start life

That is the power of compounding. Slow, boring but essential.

07/01/2026

When rent is due, mouths are waiting and the system shrugs at your suffering, morality stops feeling like a philosophy and starts feeling like a luxury brand. You notice how quickly “principles” thin out under hunger. How survival reframes right and wrong into what works and what doesn’t get you killed,socially, economically, or literally.

That doesn’t make people evil. It makes them cornered.

A young professional who stays quiet while a corrupt boss cuts corners is not endorsing evil; they are calculating how unemployment would unravel their entire life. Even the street hustler who learns which lies are “acceptable” and which ones attract violence isn’t chasing immorality. They’re learning the physics of staying alive

The quiet tragedy is what moral flexibility costs over time.

You eat today, yes but a little piece of self-trust gets traded in the process. Do it often enough and you stop remembering where your own line was. The line moves. Then disappears. That’s how people wake up one day and don’t recognize themselves, even though they’re technically “doing better.”

Still, moral rigidity in a cruel economy can be suicidal. So the real skill isn’t purity. It’s conscious compromise. Knowing exactly what you’re bending, why you’re bending it and what you refuse to let rot. Scarcity forces choices, but it doesn’t get to write your entire code unless you hand it the pen. The people who survive longest with their sanity intact are not the most ruthless or the most virtuous. They’re the most intentional. They break rules strategically, not spiritually. They feed the body without starving the soul completely. A broken society will push you to contort yourself. The trick is to treat that contortion like a temporary posture, not a permanent shape. That’s how you eat and still sleep.

17/12/2025

In generational poverty, relationships matter more than money.

Extra money is never extra.
It is shared or spent immediately.

The assumption is simple. No one is getting ahead. So saving looks like betrayal, not strategy.

People become the safety net. You rely on each other because there is nothing else. The individual does not come first. Survival does.

This is the hidden rule of the support system.
If you do not give when you have, you will not be supported when you need.

And here is the quiet truth. Discipline in generational poverty is not about change.
It is about penance.
About forgiveness.
About enduring the system, not escaping it.

31/10/2025