Stocks. I think you were just impatient.

Invest in a mkokoteni, then hire it out

Get an extra certificate. CCNA exam costs 20k.

I second Philanga...thropic and Richdad.
At your age (20yrs) consider taking your skills to the other level.

It is good to consider where you are vs where you want to be in in future (in terms of social status and education level)

add an extra certificate into your CV. CCNA/A++ (Basically computer Networking), MCSE, CPA/KATC, such like things.

If you may not be interested in the education then you can consider joining a Sacco.

@Mutaga,i see we are in the same profession. Lookin back to the time i was your age,i would have achieved much more had i been a little bit more patient.I know it's tough when you invest in the stock market & it goes into a bear rather than a bull.Just to encourage you,last year was my worst year in stocks in the sense that i made some bad decisions on Transcentury & Britak & eventually had to sell at a loss. Why did i lose?I was simply greedy.The stocks were already overvalued compared to their peers at the time of their debut.Lesson learnt.Don't chase stocks,chase value.A bit of technical & fundamental analysis ie PE & PB ratios helps. I became wise & instead of running away from the stock market(what we call selling fear,i decided to rather buy fear.So i got into KCB at 14.75 in Oct when inflation was almost 20% & interest rates at 25%. Its fundamentals were lookin great & so were the charts(technical analysis).That decision paid off big time.
So i encourage you to learn from your mistakes,face them & then make much wiser decisions.
Even people like me who have traded stocks for years(and have a background in Finance) still lost some cash. But that was then,we are coming off a high interest & inflation environment plus the elections in March next year(hopefully) should sort out the political risk!
In the game of stocks,patience,once you have made informed decisions really pays. Learn to sell greed & buy fear & you'll always be ahead of the crowd. At your age,i really envy you,you truly have a bright future should you stay focused!Take time to study the stock market,its history,where we are headed in terms of futures,commodity markets & REITS. Also study other markets in Africa eg JSE,Europe,Asia & North America! This will help you know where we are going at the NSE.
Happy investing!

Sufficiently Philanga....thropic

Mastermind

What stocks would you advice @Mutaga anunue right now . . ?

Assuming he will be trading not investing for the 'long haul' so as to 'sharpen his stock market skills and overcome his fear from previous year's losses

@Sufficiently...despite having a bad year in stocks and being very green,I also didnt miss the KCB bus...although I got it at 15.10...I havent sold a single share to date....I have decided to get back to stocks and I bought Sasini at 11.15...am waiting for another counter for diversification.

That's the spirit!

@seeker,
Are these guys for real?I talked to them and they told me the minimum period is 3 months..so will the give me back the principal plus interest after the three months promptly i.e nil delay?