How to invest Ksh20, 000 in Kenya and become a millionaire


With Ksh20, 000 capital, you can make a good investment in Kenya and easily become a millionaire. I will list some of the things you can practically do and see results within a short time.

Ksh20, 000 might look like small money but if well managed, it can make you a millionaire. There are Kenyans who started their businesses with less than 20k, they are now tycoons. But the only challenge you’ll face is to identify the best business with good returns.

Here are things you can do with 20k and become a millionaire in Kenya:

  • Run a YouTube channel

YouTube can be a blessing for people who like posting videos online. All you need is internet and a good smartphone. To earn money, you’ll have to register for AdSense. Registration for AdSense is free for everyone.

YouTube pays Ksh50 to Ksh 150 per 1000 views in Kenya. To start earning money from YouTube, your channel must be at least 12 months old,it should have 1,000 subscribers and over 4000 watch time hours.

With a capital of Ksh3, 000 you are free to go.

  • Start a small grocery shop in a big town like Nairobi

With just Ksh20, 000, you are capable of starting a grocery shop in Nairobi. But it will not be housed in a self-contained room because that will need a lot of capital. Start by building a kibanda then after business has picked, look for a spacious room to relocate your business to.

Ksh20,000 is enough for a start, then use the profit to expand your business.

  • Participate in football betting

Betting has benefited a couple of guys. If you are a risk take,you can try your luck in betting. Bet on football matches as well as jackpots.In Kenya, several companies offer good jackpots, they include:Sportpesa,Betika,Mozzart and Odibets.

You have the option of analyzing the jackpots on your own or paying to get accurate predictions from tipsters. If you want the best tips,we are here to serve you. We send 4-20 sure odds of football tips daily and weekly predictions for Sportpesa jackpots.

To subscribe for these predictions, pay Ksh1,000 per month or Ksh 500 for two weeks as follows:

  • Go to MPESA
  • Select Lipa Na MPESA
  • Select Buy Goods and Services
  • Enter MPESA till number (705909)
  • Enter amount (Ksh1000, Ksh500)
  • Enter MPESA pin and send

The tips are sent via SMS.

You should also identify a good betting site to place your bets.22Bet is one of the best betting sites in Kenya, it gives welcome bonuses of Ksh15,000.To register and get bonuses,click on this link

22Bet also provides high odds for games listed on their site.

  • Become a blogger

Blogging is also another activity you can do online and become a millionaire. The capital for starting a blog ranges between Ksh10,000 and Ksh20,000.To begin with, register your own domain name which costs less than Ksh1,000,then buy web hosting services. These two things can be done at HostPinnacle.To register,click on this link and visit HostPinnacle website

You will use WordPress to create your own blog.

Bloggers make up to Ksh5 million per month in Kenya and majority of them earn through AdSense.

  • Sell products on social media

Create social media pages, promote them and start selling products like clothes and smartphones. Clothes from Turkey are hot cake in Kenya, you only need a platform to market them. Use the 20k you have to promote the business on social media.

  • Sell mitumba clothes

You can also start business of selling mitumba, it’s lucrative in Kenya. Go to Gikomba, pick camera clothes and sell in your small town. You can also sell them online.

The capital for such business ranges between Ksh 10,000 and Ksh20, 000.

  • Start selling coffee, chapatti and mandazi in your estate

Nobody will ask you to produce a licence for this business especially if you walk around selling hot coffee to people in your estate. Combine with mandazi and chapatti which you’ll sell morning and evening.