Please assist with ideas on useful investment instruments.
Initial outlay 2M
Monthly 300k disposable income
Medium risk appetite
I have already bought land, built house
I am not available for something that needs oversight as I travel frequently.

Thank you in advance

Welcome to wazua! we hope you will stick around for good.You say you have 2 m initial capital and then 300 k monthly disposable income.
Invest the 2 m in the treasury bond.At an average of 14% return paid semi annualy,that will give you about 280 k before tax per annum.That will translate to about 20 k per month returns only.
With the 300 k monthly disposable income,invest in shares at nairobi securities exchange.Start with some companies which are valuable.Buy kcb which is currently trades at 35 bob which is a discount.Buy safaricom,Kengen and Equity.At the end of next year you will have shares worth 3.6 m with dividends of about 100 k.Do this for ten years and afterwards retire and let your money works for you.You will leave comfortably on dividends and interest from t bond.

@mawinder,ofcourse i understand the rate flactuates depending with the market.I gave the highest for encouragement purpose.Are u a scaremonger? Infact i said t bond not t bill.He wont be disapointed with a 30 yr t bond.T bills pay less because its short term.Check the current 30 year t bond and report back immediately.

tmakto,
a) please explain like to a 2 year old
b) Personal
c) I am thinking of 3-5 years initially

Thanks tmakto. Realistically I'm thinking 1.5 to 2.

There is a thread here in Wazua about cytonn.Its been discussed fully.Check it.
Growing wealth is a long term process.It doesnt happen overnight.Investment is only a part of growing it as you can see my signature.You need to approach investment with a long term view.In my first contribution to your query,i told you to consider two investments options i.e 1.Shares 2.Treasury bond.
My reasons for those reccomendations were as follows:
1.Shares are profitable in the long run and they beat inflation rate hence giving you value for your money.
2.Holding a profitable company shares is a realistic gain in investment.You will get 4% dividend yield from the business performance that year.Where do cyton get the 18% they are promising you?
3.Treasury bond will give you interest of between 7- 14 percent depending on the market.Thats money from the govt set aside for borrowing which as you know are our taxes.Where do cytonn get theirs?
4.True wealth is when your money are working for you and you are doing nothing but picking only gains.Shares and T.bond provide that.Anything else that keeps you working for money is not an investment instrument.You will never attain financial independence.
There are many other reasons.Though i dont claim to be an expert.I dont claim that im wealthy either.Im still in the learning process and will always learn as i strive to be the wealthiest in the world.
So,take your time and learn slowly.Pick one investment vehicle and start from their.

Ahsante tena.
gyno2009@hotmail.it

Buy Housing Finance at below 19 with one million and a plot with the other million. Sit back and wait for annual dividends. In 4 years, you will have exceeded your targets.

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