HOW TO BEAT THE FEAR OF INVESTING

But here’s the thing: while saving is a smart starting point, you can’t save your way to wealth. At some point, you’ve got to start growing your money. And that’s where investing comes in

Let’s be real - investing can feel scary.

You’ve probably heard stories of people losing their savings in bad deals. Or maybe you’ve asked yourself: "How do I even know if this thing is legit?"
"What if I lose all my money?"

If that’s you, I want to say - you’re not crazy, and you’re not alone. These are real, valid concerns. In fact, two of the biggest reasons most people stay away from investing are:

• Fear of losing money.
• Fear of the unknown.

If you've been feeling stuck or unsure where to even begin, this post is your gentle nudge. Think of it like a big sister or brother walking you through it, step by step—with no judgment.

1. Invest in What You Understand

Most people are afraid of investing because they simply don’t understand how it works. Totally fair. We all fear what we don’t understand.

So don’t stay in that fear - get curious

Start learning. Watch videos, ask questions, attend a workshop, book a consultation, read that blog. You don’t need to become Warren Buffet overnight. Just start learning.

2. Learn How Different Investments Actually Make You Money

Each investment product has its own way of generating returns.

Some grow your money slowly over time (like treasury bonds).
Others give you regular payouts (like SACCO dividends ).
Some are better for quick savings goals (like money market funds).
Others are for the long haul (like stocks and retirement plans ).

Your job? Match the right investment to the right goal .
That one shift alone could save you years of frustration.

3. Do Your Own Due Diligence

Please don’t invest just because your cousin or favorite influencer said it’s “hot.”

Before you commit:

• Ask what the underlying asset is.
• Understand the risk level (low, medium, high).
• Know the expected return .
• Check if the company is licensed and regulated .
• Research their history - Google is your bestie here.

Investing wisely is about asking better questions - not following the crowd.

4. Diversify Your Investments

Here’s the deal: don’t put all your eggs in one basket.

Smart investors spread their money across different areas:

• Cash & cash equivalents – money market funds, treasury bills.
• Fixed income – bonds, fixed deposits.
• Equities – stocks, mutual funds.
• Alternative assets – real estate, crypto, REITs.

You don’t need 10 things. Just 3 or 4 different investments is a solid starting point . That way, if one underperforms, you’ve still got others holding you up.

5. Respect Time Horizons

Investments grow over time. Period.

Some are short-term (a few months), others need years to mature.
Don’t invest in something meant for retirement and expect results in 2 months.

When you understand how long to leave your money in each product, you’ll start seeing results that make sense—and the panic will disappear.

6. Accept That Mistakes Will Happen - and That’s Okay

Not every investment will be perfect.
That’s not a failure - it’s part of the journey.

What matters is that you:

• Start small.
• Learn from every experience.
• Adjust as you go.

And remember: even not investing is a risk. Why? Because your uninvested money is losing value every single day to inflation. Yes - just sitting in your bank account, it’s shrinking slowly.

7. Just Start. Really. Start Small.

You don’t need a million shillings to invest.
Start with KES 5,000 in a money market fund.
Open a 91-day treasury bill. Just try it.

Watch what happens. Observe. Learn. Build confidence.

Sometimes, your fear isn’t based on facts - it’s based on the unknown. The moment you start, it shrinks. You’ll start to feel powerful. Capable. In control.

Ready to Go a Little Deeper?

If you’re ready to begin your investing journey - but want a little help along the way - we’ve got something special for you.

👉🏽 On our website, we have easy-to-follow resources (some totally free!) designed to help you build confidence and clarity around investing.

💡 And if you're ready to go even further, for a one-time membership fee of just KES 1,500 , you get lifetime access to:

• Financial tools and templates
• Our investment starter kit
• Our step-by-step Kingdom Finance eBook on smart Bible based investing
• Plus exclusive members-only offers to help you stay on track long-term and information on upcoming opportunities to take advantage of within your reach.

It’s like having a money-savvy friend on standby - whenever you need help, guidance, or a little nudge.

Final Word - Don’t Let Fear Keep You Broke

Friend, fear might be loud - but your future is louder.

Start small. Ask questions. Learn as you go. You don’t need to be perfect - you just need to get started.

And if you need a little help along the way, we’re here for you.

“Thank God I started when I did.”

Let’s make money work for you—not the other way around.

👉🏽 Explore the tools on our website CLICK HERE and start building the confident, financially free version of you - one step at a time

Want to Go Further, Faster? Join the Kingdom Finance Family!

If you’re ready to take your savings and investment journey to the next level, we’ve got something just for you.

For a one-time membership fee of only Ksh 1,500 , you get lifetime access to a treasure chest of resources - some completely FREE - including our powerful Kingdom Finance eBook that breaks down everything you need to know about building wealth God's way.

But that’s not all...

You also become part of our vibrant online community - a safe, encouraging space where we:

• Share real-time investment tips
• Alert you to new and rising opportunities
• Celebrate wins together
• Grow our financial knowledge side-by-side
• And yes... hold each other accountable like a true success squad

This isn’t just a membership it’s about fulfilling the call of God to finance His work.

"Your money deserves to work as hard as you do."

Janet Kilalo, Chief Executive Officer