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One page per way Kenyans grow savings — the real steps, the real minimum, and the tax that applies, each fact checked against a live official source. This teaches the mechanics; it never tells you which one to pick. Automated analysis for information & education — not investment advice.

NSE Equities

NSE stocksfrom ~KES 12–3 working days (one broker's stated timeline; CDSC does not publish a universal SLA)

Listed I-REIT

Listed REITsindicative ~KES 5,000,000 — confirm current threshold with your brokersame as opening a CDS account (2–3 working days) plus broker onboarding for restricted trading

Acorn / Vuka REITsfrom KES 2,500 (via Vuka)same day (sign up in the Vuka app)

SACCO

SACCOsindicative ~KES 25,000 share capital (varies by SACCO)same day to a few days, depending on the SACCO

Money Market Fund

Money market fundsfrom KES 100same day to 1–2 days for withdrawal

Treasury Bill 364d

T-bills, T-bonds & IFBsKES 100,000 (T-bills) · KES 50,000 (bonds & IFBs)registration must complete within 7 days or your profile auto-deletes; bidding itself is gated by the weekly (T-bills) or monthly (bonds/IFB) auction calendar, not by how fast you register

Special Fund

Special fundsfrom KES 250,000a few working days (fund manager onboarding)

Fixed Deposit

Fixed depositsindicative ~KES 50,000 — varies by bank, confirm current terms with your banksame day, in-branch or via your bank's app

Direct Property

Rental propertyindicative — varies enormously by location; entry cost is the property price itselfweeks to months (a real-estate transaction, not a same-day purchase)

Every fact on these pages carries its source and the date we checked it — see each guide's "Sources" section, or the full ledger in Help.