Channel Title: Money-Wise With Rina Hicks Channel Description: Money-Wise is a platform that aims to equip Africans with the basic tools and knowledge that will help them live financially successful and impactful lives. Our desire is to propel you to greater heights in the management of your finances, creating nations of financially secure families. Money-Wise is powered by RH Group Limited. The RH Group Team trains and coaches individuals to discover their purpose, articulate their personal visions and values, crystalize their aspirations and develop personal and professional goals in key areas of their lives. We have a specific focus on personal finance, investments coaching and training and assist our clients to develop financial plans and investments aligned to their goals and aspirations. <video> Oak Special Fund Surpasses KES 1,000,000,000 (1 Billion): A Remarkable Milestone Description: Oak Special Fund Surpasses KES 1,000,000,000 (1 Billion): A Remarkable Milestone This is a truly special moment, and my heart is overflowing with gratitude as we celebrate an incredible milestone—surpassing one billion Kenyan Shillings in Assets Under Management for the Oak Special Fund. This achievement reflects the hard work, dedication, and resilience of our remarkable team. I think back to the early days when this vision was just a dream, and the journey ahead felt uncertain. Through persistence, faith, and teamwork, we’ve turned that dream into reality in less than a year. I’m profoundly thankful to every individual who has played a role in this success and to God for guiding us throughout this journey. I also want to take this opportunity to thank our clients, whose trust and confidence have been the cornerstone of our growth. Your belief in the Oak Special Fund has inspired us to stay committed to delivering innovative, transparent, and impactful investment solutions. As we reflect on this milestone, we are motivated to continue growing, bringing even greater value and opportunities. With your continued support, we’re excited for what lies ahead. Thank you for being an essential part of this journey! Whether you have questions or are ready to start investing, our team is here to help. E-mail: oak@fib.co.ke WhatsApp: (+254) 743 552 341 Call: (+254) 719 212 349 https://oak.africa/ Head Office Address: Crawford Business Park, State House Rd, Nairobi Kenya </video> <video> EP10 | Where Is The Most Strategic Place To 'Pay Yourself First'? | Rina Hicks & Pius Muchiri | Description: Contact Faida Investment Bank WhatsApp: (+254) 743 552 341 Call: (+254) 719 212 349 E-mail: oak@fib.co.ke https://oak.africa/ Head Office Address: Crawford Business Park, State House Rd, Nairobi Kenya. </video> <video> EP2: Oak Special Fund Fact Sheet: Demystifying Performance and Strategy (www.oak.africa) Description: Whether you have questions or are ready to start investing, our team is here to help. E-mail: oak@fib.co.ke WhatsApp: (+254) 743 552 341 Call: (+254) 719 212 349 https://oak.africa/ Head Office Address: Crawford Business Park, State House Rd, Nairobi Kenya ------------------------------------------------------------------------------ Understanding investment returns and financial instruments is essential for making informed financial decisions. Oak Special Fund provides a clear example by showcasing its 29.32% return, which represents the absolute return since its inception on February 20th. This return is calculated after all fees, meaning investors would see their income net of deductions. Returns vary based on the duration of the investment, and each investor's experience depends on market conditions during their investment period. Transparency is assured through the use of a custodian bank, which securely holds investors’ funds and facilitates investments into various financial instruments. Oak Special Fund invests in a diverse range of local and global assets, starting with government securities like treasury bills and bonds. These are complemented by cash equivalents such as call deposits and fixed deposits, offering liquidity and stable returns. Call deposits are an accessible option for businesses to earn interest on idle cash while maintaining immediate access. Additionally, the fund leverages expertise in equities and derivatives on the Nairobi Securities Exchange (NSE), capitalizing on market opportunities for growth and risk management. The fund also invests in commercial papers, short-term instruments issued by companies to raise capital. These instruments are structured to help businesses manage cash flow for expansion or large projects, providing an alternative to bank loans. Corporate finance expertise ensures these papers are effectively designed to meet both company needs and investor expectations. This diverse approach to investment allows the fund to generate competitive returns while mitigating risks across various financial instruments. Currency trading, although complex, is another area of investment. It involves analyzing foreign exchange markets to capitalize on price movements. While volatile, it contributes to the portfolio's growth when managed carefully. By diversifying across these asset classes, Oak Special Fund demonstrates a well-rounded strategy that combines traditional investments like bonds with innovative instruments like derivatives, ensuring sustainable income for investors. #OakSpecialFund </video> <video> EP6: Oak Special Fund Fact Sheet: Demystifying Performance and Strategy (www.oak.africa) Description: Whether you have questions or are ready to start investing, our team is here to help. E-mail: oak@fib.co.ke WhatsApp: (+254) 743 552 341 Call: (+254) 719 212 349 https://oak.africa/ Head Office Address: Crawford Business Park, State House Rd, Nairobi Kenya ------------------------------------------------------------------------------ </video> <video> EP15 | Invest Differently With Oak Special Fund | Rina Hicks & Pius Muchiri | #CiS Description: Contact Faida Investment Bank WhatsApp: (+254) 743 552 341 Call: (+254) 719 212 349 E-mail: oak@fib.co.ke https://oak.africa/ Head Office Address: Crawford Business Park, State House Rd, Nairobi Kenya. ----------------------------------------------------- </video> <video> EP5: Oak Special Fund Fact Sheet: Demystifying Performance and Strategy (www.oak.africa) Description: Whether you have questions or are ready to start investing, our team is here to help. E-mail: oak@fib.co.ke WhatsApp: (+254) 743 552 341 Call: (+254) 719 212 349 https://oak.africa/ Head Office Address: Crawford Business Park, State House Rd, Nairobi Kenya ------------------------------------------------------------------------------ Understanding how investment returns are calculated and the instruments involved is key for investors. Oak Special Fund recently reported a 29.32% return, representing absolute gains since its inception on February 20th. This means that after fees and deductions, an investor who started with 1 million shillings would see an income of 293,207.15 shillings. Returns vary depending on the time of investment and the market’s performance during that period. Transparency is maintained as a custodian bank holds investors’ funds, ensuring the returns are derived from real financial activity rather than speculative calculations. Oak Special Fund invests across a range of local and global asset classes. Local investments include government securities such as treasury bills and bonds, as well as cash equivalents like call deposits and fixed deposits, which offer liquidity and steady returns. Call deposits, for instance, provide interest on idle funds while maintaining accessibility. On the Nairobi Securities Exchange (NSE), the fund engages in equity trading and derivatives, leveraging expertise to maximize returns from capital appreciation and manage risks effectively. Another significant component of the portfolio is commercial papers, short-term instruments issued by companies to raise funds. These papers serve as an alternative to bank loans and are designed for businesses needing immediate capital for projects or operational costs. Corporate finance specialists ensure these instruments meet both investor and issuer needs. This diversification into corporate debt instruments provides stable returns while supporting businesses in achieving their financial goals. Currency trading is also part of the fund’s strategy, though it is recognized for its complexity and volatility. With careful management, this investment avenue contributes to portfolio growth. The combination of traditional assets, like bonds and treasury instruments, with innovative tools such as derivatives and currency trading, reflects Oak Special Fund’s commitment to creating a balanced, diversified portfolio. This approach ensures sustainable returns for investors while navigating market fluctuations effectively. </video> <video> EP12 | The Power of Understanding Your Net Worth | Rina Hicks & Pius Muchiri | #CiS Description: Contact Faida Investment Bank WhatsApp: (+254) 743 552 341 Call: (+254) 719 212 349 E-mail: oak@fib.co.ke https://oak.africa/ Head Office Address: Crawford Business Park, State House Rd, Nairobi Kenya. ----------------------------------------------------- In this discussion on financial growth and wealth management, a powerful concept emerges: the danger of idle money. Many people hold money in places where it does not grow or generate returns, such as bank accounts, idle land, or even stagnant investments within Chamas (informal savings and investment groups). While these resources may offer a sense of security, they often remain untapped, failing to generate the cash flow needed for sustainable growth. The speakers stress the importance of putting money to work, moving it from a static position to one that aligns with the principles of currency and cash flow, much like a river that must flow to sustain life. The conversation dives into examples of how idle money manifests, especially in bank accounts and land. In Kenya, trillions of shillings are held in bank deposits, sitting without multiplying, simply because people are more attached to seeing a large balance than understanding the value of cash flow. Similarly, investments in land often represent a stagnant asset, where individuals hold onto plots without plans to develop or earn from them. The idea of “multiplication” is introduced, emphasizing that money should be actively generating returns, not just parked for future use. By shifting from a mindset focused on saving for small expenses to one of generating impact, people can use money to solve larger societal problems while growing their wealth. The discussion also highlights the role of Chamas in Kenya, acknowledging their potential for wealth-building if channeled correctly. Often, members contribute to a merry-go-round system, pooling money without a clear strategy for growth, leading to missed opportunities for investment. The speakers suggest that Chamas could link up with money market funds or similar financial products to ensure that contributions immediately start earning returns. This approach elevates the Chama’s purpose from simple pooling to actual capital growth, fostering a culture of financial discipline and setting a foundation for collective prosperity. Lastly, the speakers bring attention to the concept of cash flow as a critical form of inheritance, alongside knowledge. Instead of leaving children with static assets like land, which may lack liquidity, parents should focus on generating a steady stream of income that can sustain future generations. Educating children about wealth management is equally important, enabling them to carry forward a legacy that isn’t just about maintaining assets but nurturing cash flows and the mindset to manage wealth effectively. This knowledge and cash flow inheritance is positioned as the most sustainable way to ensure generational wealth that aligns with individual missions and goals, creating a legacy that endures beyond material assets. </video> <video> EP11 | Idle Money Is Robbing You Of Financial Freedom | Rina Hicks & Pius Muchiri | #cisf Description: Contact Faida Investment Bank WhatsApp: (+254) 743 552 341 Call: (+254) 719 212 349 E-mail: oak@fib.co.ke https://oak.africa/ Head Office Address: Crawford Business Park, State House Rd, Nairobi Kenya. ----------------------------------------------------- Thank you for your support by helping us create content. MPESA TILL (BUY GOODS) - 5236949 PAYPAL - Njau.richard@gmail.com CARD PAYMENTS - https://checkout.mookhpay.com/cta SEND WAVE - (+254) 0728-595-022 Don't forget to SUBSCRIBE - http://bit.ly/SubscribeToCTA ----------------------------------------------------- In this discussion on financial growth and wealth management, a powerful concept emerges: the danger of idle money. Many people hold money in places where it does not grow or generate returns, such as bank accounts, idle land, or even stagnant investments within Chamas (informal savings and investment groups). While these resources may offer a sense of security, they often remain untapped, failing to generate the cash flow needed for sustainable growth. The speakers stress the importance of putting money to work, moving it from a static position to one that aligns with the principles of currency and cash flow, much like a river that must flow to sustain life. The conversation dives into examples of how idle money manifests, especially in bank accounts and land. In Kenya, trillions of shillings are held in bank deposits, sitting without multiplying, simply because people are more attached to seeing a large balance than understanding the value of cash flow. Similarly, investments in land often represent a stagnant asset, where individuals hold onto plots without plans to develop or earn from them. The idea of “multiplication” is introduced, emphasizing that money should be actively generating returns, not just parked for future use. By shifting from a mindset focused on saving for small expenses to one of generating impact, people can use money to solve larger societal problems while growing their wealth. The discussion also highlights the role of Chamas in Kenya, acknowledging their potential for wealth-building if channeled correctly. Often, members contribute to a merry-go-round system, pooling money without a clear strategy for growth, leading to missed opportunities for investment. The speakers suggest that Chamas could link up with money market funds or similar financial products to ensure that contributions immediately start earning returns. This approach elevates the Chama’s purpose from simple pooling to actual capital growth, fostering a culture of financial discipline and setting a foundation for collective prosperity. Lastly, the speakers bring attention to the concept of cash flow as a critical form of inheritance, alongside knowledge. Instead of leaving children with static assets like land, which may lack liquidity, parents should focus on generating a steady stream of income that can sustain future generations. Educating children about wealth management is equally important, enabling them to carry forward a legacy that isn’t just about maintaining assets but nurturing cash flows and the mindset to manage wealth effectively. This knowledge and cash flow inheritance is positioned as the most sustainable way to ensure generational wealth that aligns with individual missions and goals, creating a legacy that endures beyond material assets. </video> <video> EP13 | Why Compounding Is Your Money's Best Friend | Rina Hicks & Pius Muchiri | #CiS Description: Contact Faida Investment Bank WhatsApp: (+254) 743 552 341 Call: (+254) 719 212 349 E-mail: oak@fib.co.ke https://oak.africa/ Head Office Address: Crawford Business Park, State House Rd, Nairobi Kenya.i ----------------------------------------------------- In this discussion on financial growth and wealth management, a powerful concept emerges: the danger of idle money. Many people hold money in places where it does not grow or generate returns, such as bank accounts, idle land, or even stagnant investments within Chamas (informal savings and investment groups). While these resources may offer a sense of security, they often remain untapped, failing to generate the cash flow needed for sustainable growth. The speakers stress the importance of putting money to work, moving it from a static position to one that aligns with the principles of currency and cash flow, much like a river that must flow to sustain life. The conversation dives into examples of how idle money manifests, especially in bank accounts and land. In Kenya, trillions of shillings are held in bank deposits, sitting without multiplying, simply because people are more attached to seeing a large balance than understanding the value of cash flow. Similarly, investments in land often represent a stagnant asset, where individuals hold onto plots without plans to develop or earn from them. The idea of “multiplication” is introduced, emphasizing that money should be actively generating returns, not just parked for future use. By shifting from a mindset focused on saving for small expenses to one of generating impact, people can use money to solve larger societal problems while growing their wealth. The discussion also highlights the role of Chamas in Kenya, acknowledging their potential for wealth-building if channeled correctly. Often, members contribute to a merry-go-round system, pooling money without a clear strategy for growth, leading to missed opportunities for investment. The speakers suggest that Chamas could link up with money market funds or similar financial products to ensure that contributions immediately start earning returns. This approach elevates the Chama’s purpose from simple pooling to actual capital growth, fostering a culture of financial discipline and setting a foundation for collective prosperity. Lastly, the speakers bring attention to the concept of cash flow as a critical form of inheritance, alongside knowledge. Instead of leaving children with static assets like land, which may lack liquidity, parents should focus on generating a steady stream of income that can sustain future generations. Educating children about wealth management is equally important, enabling them to carry forward a legacy that isn’t just about maintaining assets but nurturing cash flows and the mindset to manage wealth effectively. This knowledge and cash flow inheritance is positioned as the most sustainable way to ensure generational wealth that aligns with individual missions and goals, creating a legacy that endures beyond material assets. </video> <video> EP4: Oak Special Fund Fact Sheet: Demystifying Performance and Strategy (www.oak.africa) Description: Whether you have questions or are ready to start investing, our team is here to help. E-mail: oak@fib.co.ke WhatsApp: (+254) 743 552 341 Call: (+254) 719 212 349 https://oak.africa/ Head Office Address: Crawford Business Park, State House Rd, Nairobi Kenya ------------------------------------------------------------------------------ Understanding how investment returns are calculated and the instruments involved is key for investors. Oak Special Fund recently reported a 29.32% return, representing absolute gains since its inception on February 20th. This means that after fees and deductions, an investor who started with 1 million shillings would see an income of 293,207.15 shillings. Returns vary depending on the time of investment and the market’s performance during that period. Transparency is maintained as a custodian bank holds investors’ funds, ensuring the returns are derived from real financial activity rather than speculative calculations. Oak Special Fund invests across a range of local and global asset classes. Local investments include government securities such as treasury bills and bonds, as well as cash equivalents like call deposits and fixed deposits, which offer liquidity and steady returns. Call deposits, for instance, provide interest on idle funds while maintaining accessibility. On the Nairobi Securities Exchange (NSE), the fund engages in equity trading and derivatives, leveraging expertise to maximize returns from capital appreciation and manage risks effectively. Another significant component of the portfolio is commercial papers, short-term instruments issued by companies to raise funds. These papers serve as an alternative to bank loans and are designed for businesses needing immediate capital for projects or operational costs. Corporate finance specialists ensure these instruments meet both investor and issuer needs. This diversification into corporate debt instruments provides stable returns while supporting businesses in achieving their financial goals. Currency trading is also part of the fund’s strategy, though it is recognized for its complexity and volatility. With careful management, this investment avenue contributes to portfolio growth. The combination of traditional assets, like bonds and treasury instruments, with innovative tools such as derivatives and currency trading, reflects Oak Special Fund’s commitment to creating a balanced, diversified portfolio. This approach ensures sustainable returns for investors while navigating market fluctuations effectively. </video> <video> EP9 | Risk VS Reward | Rina Hicks & Pius Muchiri | #CiS Description: Contact Faida Investment Bank WhatsApp: (+254) 743 552 341 Call: (+254) 719 212 349 E-mail: oak@fib.co.ke https://oak.africa/ Head Office Address: Crawford Business Park, State House Rd, Nairobi Kenya. </video> <video> EP7: Oak Special Fund Fact Sheet: Demystifying Performance and Strategy (www.oak.africa) Description: Whether you have questions or are ready to start investing, our team is here to help. E-mail: oak@fib.co.ke WhatsApp: (+254) 743 552 341 Call: (+254) 719 212 349 https://oak.africa/ Head Office Address: Crawford Business Park, State House Rd, Nairobi Kenya </video> <video> EP14 | How To Keep Making Money Even After You’re Gone | Rina Hicks & Pius Muchiri | #CiS Description: Contact Faida Investment Bank WhatsApp: (+254) 743 552 341 Call: (+254) 719 212 349 E-mail: oak@fib.co.ke https://oak.africa/ Head Office Address: Crawford Business Park, State House Rd, Nairobi Kenya ----------------------------------------------------- In this discussion on financial growth and wealth management, a powerful concept emerges: the danger of idle money. Many people hold money in places where it does not grow or generate returns, such as bank accounts, idle land, or even stagnant investments within Chamas (informal savings and investment groups). While these resources may offer a sense of security, they often remain untapped, failing to generate the cash flow needed for sustainable growth. The speakers stress the importance of putting money to work, moving it from a static position to one that aligns with the principles of currency and cash flow, much like a river that must flow to sustain life. The conversation dives into examples of how idle money manifests, especially in bank accounts and land. In Kenya, trillions of shillings are held in bank deposits, sitting without multiplying, simply because people are more attached to seeing a large balance than understanding the value of cash flow. Similarly, investments in land often represent a stagnant asset, where individuals hold onto plots without plans to develop or earn from them. The idea of “multiplication” is introduced, emphasizing that money should be actively generating returns, not just parked for future use. By shifting from a mindset focused on saving for small expenses to one of generating impact, people can use money to solve larger societal problems while growing their wealth. The discussion also highlights the role of Chamas in Kenya, acknowledging their potential for wealth-building if channeled correctly. Often, members contribute to a merry-go-round system, pooling money without a clear strategy for growth, leading to missed opportunities for investment. The speakers suggest that Chamas could link up with money market funds or similar financial products to ensure that contributions immediately start earning returns. This approach elevates the Chama’s purpose from simple pooling to actual capital growth, fostering a culture of financial discipline and setting a foundation for collective prosperity. Lastly, the speakers bring attention to the concept of cash flow as a critical form of inheritance, alongside knowledge. Instead of leaving children with static assets like land, which may lack liquidity, parents should focus on generating a steady stream of income that can sustain future generations. Educating children about wealth management is equally important, enabling them to carry forward a legacy that isn’t just about maintaining assets but nurturing cash flows and the mindset to manage wealth effectively. This knowledge and cash flow inheritance is positioned as the most sustainable way to ensure generational wealth that aligns with individual missions and goals, creating a legacy that endures beyond material assets. </video> <video> EP1: Oak Special Fund Fact Sheet: Demystifying Performance and Strategy (www.oak.africa) Description: Whether you have questions or are ready to start investing, our team is here to help. E-mail: oak@fib.co.ke WhatsApp: (+254) 743 552 341 Call: (+254) 719 212 349 https://oak.africa/ Head Office Address: Crawford Business Park, State House Rd, Nairobi Kenya ------------------------------------------------------------------------------ Understanding the Oak Special Fund The Oak Special Fund is a collective investment scheme designed to simplify the investment process for individuals. Licensed by the Capital Markets Authority, it is structured to alleviate the complexities of managing investments, such as deciding where, when, and how to allocate funds. The fund offers a diversified portfolio by investing in various asset classes, including stocks (both local and global), bonds, derivatives, and other financial instruments. This diversity enables investors to benefit from professional fund management while reducing the stress of making individual investment decisions. Performance Highlights: February to November 2024 Since its public launch in early 2023, the Oak Special Fund has demonstrated exceptional performance, achieving a return of 29.32% from February to November 2024. This outpaced its annual target of 20% post-fees, highlighting the fund's ability to navigate volatile market conditions effectively. While this return is notable, it is important to manage expectations. The fund emphasizes that past performance does not guarantee future results, and market fluctuations can impact returns. Despite this, the consistent focus on risk-adjusted growth positions the fund as a reliable option for long-term investors. Risk Management and Sustainable Growth A critical component of the Oak Special Fund’s strategy is robust risk management. The fund carefully allocates capital across asset classes to balance risk and return. With growth in Assets Under Management (AUM), the psychological and operational aspects of managing larger funds become increasingly complex. The fund targets a sustainable annual return of 20% while adhering to regulatory guidelines that prohibit guaranteed returns. This approach ensures that while investors benefit from potential upside, they are also protected against disproportionate risks. Transparency Through the Fact Sheet To keep investors informed, the Oak Special Fund issues a monthly fact sheet detailing its performance, investment strategy, and risk management practices. The fact sheet is a concise document aimed at demystifying the fund’s operations, offering investors a clear understanding of its performance metrics and asset allocation. By fostering transparency, the fact sheet empowers investors to make informed decisions while aligning their expectations with the fund's long-term goals. The November 2024 fact sheet, for instance, highlights both the impressive returns achieved and the strategic steps taken to ensure sustainable growth. #OakSpecialFund </video> <video> EP3: Oak Special Fund Fact Sheet: Demystifying Performance and Strategy (www.oak.africa) Description: Whether you have questions or are ready to start investing, our team is here to help. E-mail: oak@fib.co.ke WhatsApp: (+254) 743 552 341 Call: (+254) 719 212 349 https://oak.africa/ Head Office Address: Crawford Business Park, State House Rd, Nairobi Kenya ------------------------------------------------------------------------------ Understanding how investment returns are calculated and the instruments involved is key for investors. Oak Special Fund recently reported a 29.32% return, representing absolute gains since its inception on February 20th. This means that after fees and deductions, an investor who started with 1 million shillings would see an income of 293,207.15 shillings. Returns vary depending on the time of investment and the market’s performance during that period. Transparency is maintained as a custodian bank holds investors’ funds, ensuring the returns are derived from real financial activity rather than speculative calculations. Oak Special Fund invests across a range of local and global asset classes. Local investments include government securities such as treasury bills and bonds, as well as cash equivalents like call deposits and fixed deposits, which offer liquidity and steady returns. Call deposits, for instance, provide interest on idle funds while maintaining accessibility. On the Nairobi Securities Exchange (NSE), the fund engages in equity trading and derivatives, leveraging expertise to maximize returns from capital appreciation and manage risks effectively. Another significant component of the portfolio is commercial papers, short-term instruments issued by companies to raise funds. These papers serve as an alternative to bank loans and are designed for businesses needing immediate capital for projects or operational costs. Corporate finance specialists ensure these instruments meet both investor and issuer needs. This diversification into corporate debt instruments provides stable returns while supporting businesses in achieving their financial goals. Currency trading is also part of the fund’s strategy, though it is recognized for its complexity and volatility. With careful management, this investment avenue contributes to portfolio growth. The combination of traditional assets, like bonds and treasury instruments, with innovative tools such as derivatives and currency trading, reflects Oak Special Fund’s commitment to creating a balanced, diversified portfolio. This approach ensures sustainable returns for investors while navigating market fluctuations effectively. </video>

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Money-Wise is a platform that aims to equip Africans with the basic tools and knowledge that will help them live financially successful and impactful lives. Our desire is to propel you to greater heights in the management of your finances, creating nations of financially secure families. Money-Wise is powered by RH Group Limited. The RH Group Team trains and coaches individuals to discover their purpose, articulate their personal visions and values, crystalize their aspirations and develop personal and professional goals in key areas of their lives. We have a specific focus on personal finance, investments coaching and training and assist our clients to develop financial plans and investments aligned to their goals and aspirations.

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