Saccos has been ingrained in the financial state of the Kenyan being, unlike real estate most financial advice in homes, radio stations and even churches has been all about investing in Saccos.

From the first cheque people receive they’re always advised to quickly invest in a sacco religiously, while it is sound to invest in a sacco, what are your long term options when you invest. 

Most people use Saccos as a catapult to access low interest loans to purchase real estate projects easily.

Combined with financial education and support a lot of members do end up investing in real estate for the long term benefits. 

A majority of Saccos are community based, enabling people to benefit from growing together.

With a lot of saccos having been affected by the upheavals of the economy most members lost their savings when the saccos collapsed. 

This negatively affects the customers as there’s no way they can be able to withdraw their cash from the Saccos Accounts. 

Although they do get a dividend from investing in them, the returns cannot be compared to real estate. Both commercial and residential real estate offer high ROI in investment and they are a physical asset that can be passed on as inheritance to loved ones.

Investors also get to enjoy passive income from rental properties which can also be used to develop and expand their real estate portfolio. 

Other than that, real estate appreciates in value over time compared to the dividends being paid by Saccos. 

This enables real estate investors to experience high returns from their investments, also banks will be more willing to offer them loans with a favourable repayment period. 

Both avenues are a great resource to grow and expand your wealth, depending on the level you’re on as an investor.

Some of the key factors to consider when selecting an investment path;

1. Risk tolerance you’re willing to undergo when investing.

2. Time commitment to ensure your investment goes as planned. 

3. Financial goals if they are either short term or long term.

4. Knowledge and expertise of the investment path you’re taking on.

5. Access to capital.

Both SACCOs and real estate investing can contribute to financial freedom, but the optimal choice depends on your individual circumstances. It's advisable to conduct thorough research, consult with financial experts, and create a diversified investment portfolio that aligns with your goals and risk tolerance.

Interested in starting out in real estate investing, we have prime residential and commercial properties namely Thika Grove Chania, Legacy Ridges, Riverline Ridges, Bliss Water Park Naivasha and Finpark Estate. 

Contact us today on 0709 677 377.