Turn your savings into a second income stream, without a second hustle
At Fahamisha, we guide Kenyan professionals to create structured Investment Portfolios, so they can invest and earn passive income and without stress or second-guessing.
December 2025 update: Fahamisha Investing has reached full capacity.
We are not able to accept any new individual or couple clients from January 2026 until further notice. We have reached our limit for 1-1 investment planning clients.
Clients served by Annette Mumbi in 2024 and 2025 are not affected. Investment review and support sessions continue as usual, and you can message Annette to schedule yours.
If you would to be considered for 1-1 investment planning services once our capacity changes, please register your interest on this form (link).
What you get
When you work with Annette Mumbi, CFA, you get clear guidance on where and how to invest, plus step-by-step support to help you follow through.
Common outcomes include:
- A working investment portfolio that earns passive income (for clients with cash ready to invest)
- Clear analysis of investment options so you choose the best fit
- Personalized investment support for account set up & Q&A
- A structured investment roadmap for future decisions and updates on suitable investment opportunities
- Investment framework to guide big money decisions – e.g. should you buy an apartment or invest in Infrastructure bonds (IFBs)? How to buy real estate without a mortgage? Education fund for children etc
Who you’ll work with
Fahamisha Investing is led by Annette Mumbi, CFA, an experienced investment consultant based in Nairobi, Kenya. She handles 1-1 consultations with clients.
Annette Mumbi has helped hundreds of professionals in Kenya build structured portfolios that earn passive income and give them peace of mind.
Visit the About page to find out more about Annette and Fahamisha Investing.
Our Investment Planning Packages
Our planning packages are a mix of investment consultations and investment portfolio building.
We start the engagement with a financial assessment to understand your needs, goals and what you want to achieve with your money.
We then guide you to create an investment portfolio that matches your goals and investable cash in Kenya Shillings (KES), US Dollars (USD), or both.
Ready to Work with us?
Choose the investment planning package that best fits your needs below
1. KES Investment Portfolio Plan
KES 59,500 (USD $460) per person
For clients earning and investing in KES only
What’s included:
- 3 private investment consultations to plan for goals and allocate your investments (1.5 to 2 hours each)
- Hands-on support to invest in KES options including secondary market bond trades
- Personalized roadmap for your KES investments
- Investment Q&A and ongoing support for 3 months
2. USD & KES Portfolio Plan
KES 89,500 (USD $690) per person
For clients investing in both USD and KES
What’s included:
- 4 private investment consultations to plan for goals and allocate your investments (1.5 to 2 hours each)
- Hands-on support to invest in USD and KES assets including secondary market bond trades
- Diversified strategy across USD and KES assets
- Investment Q&A and ongoing support for 4 months
See the FAQ section below for investment planning packages for couples and groups
Reviews
We guide clients from analysis to execution, but what they value most goes beyond the numbers.
Here are a few reflections from clients, on what makes Annette’s approach stand out:
Practical and Professional
“What stood out for me was the practical advice, attention to detail, professionalism, and the personal concern.”
— Donald from Nairobi
Clear and Structured
“Approach is clear and structured. Laying out topics/issues to cover at the beginning and a summary of the discussion. Very well prepared and ready with supporting tools for demonstration”
— Client from Nairobi
Evidence-Based and Thoughtful
“A thorough review of your client’s circumstances followed by evidence-based professional advice, delivered with kindness.”
— Donald from Nairobi
Empowering and Personalized
“I felt empowered knowing about my investment options, understanding the risk involved, and budgeting basics. Your approach to personalizing the experience to fit the person’s current position and needs is very good.”
— FO from Nairobi
Frequently Asked Questions (FAQs)
Do you work with couples?
Yes, we work with both individuals and couples who want to invest jointly. The sessions are usually longer to accommodate both partners (2-2.5 hours each), and the support accounts for the complexity of joint finances
The Couples KES-only package is designed for couples who want to invest jointly in Kenya Shillings. It includes 3 sessions to plan for your goals and allocate investments, hands-on support, and guidance focused on local Kenya shilling investments.
- Click here to register your interest for the Couples KES Investment Planning Package: It costs $650 or Kenya Sh.84,500 per couple building a joint portfolio.
The Couples USD & KES package is ideal for couples who earn or save in both USD and KES. It includes 4 sessions covering multiple currencies, and more support to help you build a dual-currency strategy across KES and USD assets.
Can I talk to Annette before paying?
Absolutely. You can call us on +254 792 68 69 08 or click this link to schedule a free discovery call.
On the call, you can discuss your needs, ask questions and see if Fahamisha is the right fit. There’s no pressure to commit and no cost to book a discovery call.
How is the payment structured?
Our consultation fees are a one-time fee for our services, payable upfront via Paystack. The fee includes the 1-1 consultation sessions and investment support over 3 – 4 months to help you create your investment portfolio.
What happens after I pay?
After you pay using the Paystack Payment links, you will receive a private link to book your first session with Annette. If you have not spoken to us, you can also book a discovery call at this point.
Before your first session, Annette will share some preparation work so we can tailor the session to your needs.
Between sessions, we’re available for Q&A, and we’ll guide you step-by-step as you open accounts, evaluate options, and even trade Treasury Bonds in the secondary market
Where are the consultation sessions held?
All consultation sessions are held online — via Google Meet or Microsoft Teams.
We have our sessions online for 3 key reasons:
- Convenience: You can join from anywhere at a time that fits your calendar
- Flexibility: You can reschedule at no cost if something urgent comes up (even at short notice)
- Collaboration: We share screens and work together on your investment plan, using real-time tools, templates, and investment platforms
What’s the difference between the two investment planning packages?
The KES-only package is designed for clients who want to invest in Kenya Shillings. It includes 3 sessions to plan for your goals and allocate investments, hands-on support, and guidance focused on local Kenya shilling investments.
The USD & KES package is ideal if you earn or save in both currencies. It includes 4 sessions covering multiple currencies, and more support to help you build a dual-currency strategy across KES and USD assets.
Both packages include:
- ✓ Personalized investment planning and analysis
- ✓ Account set-up and trading support
- ✓ Investment Q&A and roadmaps to guide you forward
Do you provide investment training for Corporates or during conferences?
Yes, we provide 2 key types of investment trainings for companies:
- Investment Risk Profiling and Portfolio Allocations
- This training covers how to assess risk profile and create investment portfolios for clients
- It is suitable for Investment Managers and Investment Banks, and any company employing Financial Advisors
- Price range: ~ US$ 2,000 per session of up to 2 hours
- Passive Income Investment Portfolios for Individuals
- This is a masterclass on how to invest and generate passive incomes from your investment portfolio
- It is suitable for employees of companies in Nairobi
- Price range: ~US$ 1,650 per session of up to 2 hours
Annette is also available to speak at conferences. Her speaking rate starts from US$ 2,000 per session.
Click this link to book a free pre-event consultation or call (+254) 792 68 69 08. You can also email ask @ fahamisha.com.
Do you provide investment training for friends, investment clubs or families?
Yes, we provide investment trainings for groups of friends, investment clubs or families investing jointly.
During the sessions, Annette teaches the group about investment options in Kenya’s financial markets, how to assess risk and how to invest towards their shared goals.
Pricing starts at KES 4,900 per person per session, for groups of 7 – 12 people. Each session is 2-3 hours long held online. Additional charges apply for in person sessions. The sessions are paid for in advance using a bespoke Paystack link.
Call (+254) 792 68 69 08 to plan for your session.
Can you help me invest in in Treasury Bonds in Kenya (even secondary market)?
Yes. We support clients who want to invest in both primary market auctions (where you buy bonds from Central Bank of Kenya) and secondary market auctions (where you buy bonds from other investors).
- We will guide you to create your Dhow CSD account and help you determine how much exactly to invest in each bond to match your goals. For example, you can match your bond portfolio to your children’s school fees needs, or your work optional goal (where investment income is enough for your expenses)
- For secondary market trades, we help you analyze offers from different brokers, negotiate pricing and guide you to create accounts, at no extra cost.
- We also support bond stacking and laddering strategies, helping you choose bonds that pay interest in different months so that your portfolio generates income throughout the year
You can also try out our Fahamisha Investing GPT — a free AI assistant that answers common questions about Kenyan Treasury Bills (T-Bills) and Treasury Bonds (T-Bonds). Visit chat.openai.com/g/g-6890b5f913b88191b7403c24d1deb403-fahamisha-investing-gpt to access it.
