Your Money Shouldn't Live In One Country

<p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">This episode is brought to you in partnership with I&amp;M Capital.</span></p><p><br></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">Offshore banking is one of the most misunderstood topics in Kenya.</span></p><p><br></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">Some people think it's only for the ultra-wealthy, others assume it's about hiding money.</span></p><p><br></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">So what's the truth?</span></p><p><br></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">In this episode of the Just Money Podcast, Ivy sits down with Fredrick Oruka, Investment Advisor at I&amp;M Capital, and Robert Ochieng, CEO &amp; Co-Founder of Abojani Investment, to demystify offshore banking and offshore investing once and for all.</span></p><p><br></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">Fred and Robert break down exactly how everyday Kenyans, not just the wealthy, can start building wealth beyond their borders, while walking through the real products, platforms, and processes involved.</span></p><p><br></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">In this conversation we explore:</span></p><p><br></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">- Why offshore banking has a perception problem in Kenya</span></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">- The K-shaped economy and what it means for your money</span></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">- The difference between offshore banking and offshore investing</span></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">- How to open an offshore account, even with as little as $1,000</span></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">- ETFs vs individual stocks — what's actually low risk</span></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">- Anchors, satellites, and wild cards — how to structure a portfolio</span></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">- Money market funds, dollar funds, bond plus funds, and GBP special funds</span></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">- Eurobonds and how governments raise money offshore</span></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">- How taxes work locally versus offshore, and why you need a tax advisor</span></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">- Why the investment advisor matters more than the platform you choose</span></p><p><br></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">Fred and Robert also share real rates across local and offshore products, from money market funds to government securities, and explain how to think about risk appetite versus</span></p><p><br></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">⭐ If you're listening on Apple Podcasts or Spotify, please rate us 5 stars and leave a comment . it genuinely helps the show grow.</span></p><p><span style="background-color: rgb(15, 15, 15); color: rgb(241, 241, 241);">#JustMoneyPodcast #OffshoreInvesting #IMCapital #PersonalFinanceKenya #WealthBuilding</span></p>