Your Money Shouldn't Live In One Country

This episode is brought to you in partnership with I&M Capital. Offshore banking is one of the most misunderstood topics in Kenya. Some people think it's only for the ultra-wealthy, others assume it's about hiding money. So, what's the truth? In this episode of the Just Money Podcast, host Just Ivy Africa sits down with Fredrick Oruka, Investment Advisor at I&M Capital, and Robert Ochieng, CEO & Co-Founder of Abojani Investment, to demystify offshore banking and offshore investing once and for all. 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. In this conversation we explore: - Why offshore banking has a perception problem in Kenya - The K-shaped economy and what it means for your money - The difference between offshore banking and offshore investing - How to open an offshore account, even with as little as $1,000 - ETFs vs individual stocks. What's actually low risk? - Anchors, satellites, and wild cards. How should you structure your portfolio? - Money market funds, dollar funds, bond plus funds, and GBP special funds - Eurobonds and how governments raise money offshore - How taxes work locally versus offshore, and why you need a tax advisor - Why the investment advisor matters more than the platform you choose 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 risk capacity before you invest. One lesson stands out: Your money shouldn't be limited to your country of birth or residence. If you're building for the next generation, your investments should be too. Whether you're curious about offshore investing, ready to diversify, or just want to understand your options, this conversation offers a practical, beginner-friendly roadmap into global wealth building. Follow our Host Just Ivy Africa on Socials: Instagram: https://www.instagram.com/just_ivy_africa_ TikTok: https://www.tiktok.com/@just_ivy_africa LinkedIn: https://www.linkedin.com/in/just-ivy-africa Linktree: https://linktr.ee/justivyafrica_ Get in touch with our Guests: Robert Ochieng - CEO & Cofounder at Abojani Investment https://www.linkedin.com/in/robertochieng Fredrick Oruka - Investment Advisor, I&M Capital Fredrick.oruka@imbank.co.ke Follow I&M Bank on Socials: Facebook: https://www.facebook.com/imbankke/ X (Twitter): https://twitter.com/imbankke Instagram: https://www.instagram.com/imbankke/ LinkedIn: https://ke.linkedin.com/company/imbankke Follow Abojani Investment on Socials: Facebook: https://www.facebook.com/AbojaniInvestment/ X (Twitter): https://twitter.com/TheAbojani LinkedIn: https://ke.linkedin.com/company/abojani Linktree: https://linktr.ee/Abojani Customer Journey To get Started with I&M Bank: 1. Go to Play Store or App Store 2. Search for "I&M Bank" 3. Download Stay ahead of everything happening in the economy, powered by The Kenyan Wall Street: https://whatsapp.com/channel/0029Vb6bsWC0rGiScNY6zP47 👉 Subscribe to The Kenyan Wall Street for new episodes every week! 🎧 Listen & Follow Just Money Podcast: YouTube: https://www.youtube.com/@kenyanwallstreet Spotify: Just Money Podcast TikTok: Just Money Podcast X (Twitter): @JustMoneypod Instagram: @JustMoneyPodcast Sponsors: Set Provider: Thank you to Kofisi for providing our beautiful, world-class set, where ideas like this thrive. Visit them at: https://kofisi.africa/ ⚠️ Disclaimer: This content is for educational purposes only and does not constitute financial advice. Please consult a licensed financial or tax advisor before making investment decisions. ⭐ If you're listening on Apple Podcasts or Spotify, please rate us 5 stars and leave a comment. It genuinely helps the show grow. #JustMoneyPodcast #OffshoreInvesting #IMCapital #PersonalFinanceKenya #WealthBuilding