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Government Securities

Learn how to invest in government securities in Kenya

What are Treasury Securities?

Think of Treasury securities as loans you give to the Kenyan government. In return, the government promises to pay you back with interest. It's like letting a friend borrow money, but this friend (the government) is very reliable about paying you back!

Treasury Bills (T-Bills)

These are short-term loans (3, 6, or 12 months). You pay less than the full amount now, and get the full amount later. The difference is your profit!

Example: You pay KSh 90,000 now for a KSh 100,000 T-Bill and get KSh 100,000 when it matures.

Treasury Bonds (T-Bonds)

These are longer-term loans (1 to 30 years). You pay the full amount now, and the government pays you interest every 6 months, then returns your original money at the end.

Example: You invest KSh 100,000 in a 2-year bond at 12% interest. You get KSh 6,000 every 6 months, plus your KSh 100,000 back after 2 years.

How to Invest (It's Easier Than You Think!)

  1. 1

    Open a CDS Account

    This is a simple account you open with the Central Bank of Kenya or through your bank. Think of it as a special wallet for your treasury investments.

  2. 2

    Decide How Much to Invest

    Start with as little as KSh 50,000. This is your entry ticket to government securities!

  3. 3

    Fill Out a Simple Form

    Your bank can help you with this, or you can do it directly with the Central Bank of Kenya. It's as easy as filling out a deposit slip!

  4. 4

    Wait for Results

    The Central Bank announces who gets to invest and at what rate. Don't worry - most people who apply get accepted!

  5. 5

    Enjoy Your Returns!

    Now sit back and watch your money grow. The government will send your earnings directly to your bank account.

Why Treasury Securities Are Great for Beginners

Super Safe

The Kenyan government guarantees your money. It's one of the safest investments you can make!

Lower Taxes

You only pay 15% tax on your earnings, which is less than many other investments.

Easy to Sell if Needed

If you need your money before the end date, you can sell your investment through the Nairobi Securities Exchange.

This calculator is for educational purposes only. Always consult with a qualified investment professional before making financial decisions.