We are working outside of wazua and twitter to call them out.

how do they maximize risk? In Kenia, one way of minimizing risk is through real estate which seatonne have done.So how are they maximizing risk?

Soft target so easy to exploit?

The mere fact that they have ended up on all three lists of social media activists is room for concern for any investor in Cytonn. I pity them

That is the essence of pooling funds aka banking. When you deposit your money at the bank, do you tell the
Cashier not to give it to the next customer on the queue?

Thank you all for your valued/valueless opinion and "expert" advice. However, you are playing guitar music to a rock. (I)We are in Cytonn to stay........ Become a cytonnaire

Even Kenya and the US of A borrows to pay off maturing debts. There is nothing new being said here

1. I am not an Advocate for Cytonn but I am appalled by the ignorance displayed by some members here and Cytonn haters elsewhere. My analysis follows:

2. Cytonn needs to build houses, for which they need to mobilize funds. They can do this through Equity or Debt.

3. Cash and land/ property contributed by the founding shareholders and joint venture partners is Equity. They might get a return on their investment or not. Has any Equity holder complained?

4. There are different levels of debt. Bank loans whether secured or unsecured is debt. I bet that all the developments are collaterized. Has any bank complained? Sued?

5. Corporate and Individual lenders, the likes of Taleri and CMS holders are debt holders. They give their cash in return for interest payments. Has any corporate or CMS holder disputed their entitlement? Anyone forced to lend Cytonn money? Anyone sued?

6. Homeowners pay for offplan units, yet to be commenced or completed. Another line of debt. Anyone sued for late completion?

7. Goods and services procured on credit is debt. Contractor does work payable upon certification by the Architect, debt. Employees paid in arrears at the end of month, debt! Has any supplier or employee complained? Sued?

8. In conclusion, a good developer should be able to mobilize Equity and debt, match cashflow needs of the project. Too many people are commenting on issues they know nothing about.

Afadhali mtu anunue Uchumi shares ama Mumias

The definition of a ponzi is that if new entrants stop piling in, the game is over.

If new entrants stop getting into CMS, it's game over for that vaunted 18% return.

You will never ever pay 18% compounded per annum for 2 to 3 yrs banking on nic/kcb shares. That is a lie.

You will never ever pay 18% compounded per year banking on real estate. You will need to complete projects and sell all units in 1 yr, impossible.

The longer a project takes to sell, the more other overheads pile up. Bottom line, no real estate build will turnover your cash in under 2yrs to enable you to use the profits to consistently plug the interest gap in the Cms.

CMS remains a ponzi until you can satisfy these real concerns. Matusi haitasaidia. Dande mwenyewe alisema the real estate is returning 25% to Cytonn. I doubt if this is 25% compounded per annum.