Individuals Tier
Start investing small, think big.
For professionals and first-time investors building wealth independently. Start from KES 50,000, manage your own portfolio, and access diversified investments — no advisor required, no complexity.
What you should know
Quick summary (TLDR)
Individuals tier is Ndovu's entry point for self-directed investors. Minimum KES 50,000. Sign up in 5-10 minutes. Access 50+ investment products (money market funds, ETFs, stocks, commodities). Manage your own portfolio through an intuitive platform. Transparent fees, real-time tracking, instant withdrawals. Perfect if you want control, don't need an advisor, and can make decisions independently.
Is this tier right for you?
4 key takeaways for Individuals tier
Start investing from KES 50,000 with no advisor required
Build diversified portfolios through a simple, transparent platform
See your money grow daily with real-time portfolio tracking
Invest in money market funds, global ETFs, tech funds, and fractional shares
Is this tier right for you?
Decision matrix: Which tier fits your situation?
Use this matrix to understand which Ndovu tier matches your needs. Individuals is right for you if you answer "yes" to independent decision-making and have KES 50,000+ to invest.
| Criteria | Individuals | Premier | Private Wealth | Institution |
|---|---|---|---|---|
| Minimum investment required | KES 50,000+ | KES 500,000+ | KES 10,000,000+ | KES 50,000,000+ |
| Setup & account opening | 5-10 minutes, fully digital | 1-2 hours with advisor | Full consultation required | Custom onboarding |
| Dedicated advisor | No | Shared advisory access | Named dedicated advisor | Dedicated team |
| Portfolio management | Self-directed | Guidance available | Fully managed | Bespoke institutional |
| Global/USD access | Available | Available | Advanced structuring | Institutional-grade |
| Service tier | Self-serve digital | Premium digital + support | White-glove | Institutional |
| Best for | Professionals, students, first-time investors | Business owners, high earners | Ultra high net worth families | Corporations, funds, endowments |
Why invest now
Your bank savings are losing to inflation
A bank savings account earning 0.5% while inflation runs at 6% annually means you're losing 5.5% of purchasing power every year. That's not savings — that's invisible poverty. Individuals tier gives you access to institutional-grade investments that actually beat inflation.
Bank Savings Account
Ndovu Money Market Fund
Real investors. Real results.
How Individuals tier investors are building wealth
Sarah, 28
Software Engineer
Challenge
Had KES 150,000 in savings but didn't know where to start investing. Intimidated by complex banking processes.
Solution
Opened Ndovu account in 8 minutes, started with money market fund, added tech stocks gradually.
Outcome
Portfolio grew from KES 150,000 to KES 280,000 in 2 years. Now invests consistently every month.
James, 35
Small Business Owner
Challenge
Wanted to diversify beyond his salon business. Bank advisory was too expensive, minimum too high.
Solution
Built a balanced portfolio: money market for emergencies, global ETFs for growth, tech stocks for long-term.
Outcome
Grew personal wealth separate from business. Portfolio now earns more than his monthly business draws.
Amara, 31
Marketing Professional
Challenge
Frustrated by savings account returns barely keeping up with inflation. Needed education about investing.
Solution
Started with KES 50,000, used resources to understand diversification, grew to KES 400,000 portfolio.
Outcome
Now has emergency fund in money market, growth portfolio in equities. Real returns beating inflation.
What's included
Complete feature checklist for Individuals tier
Everything you need to manage your portfolio independently, plus the flexibility to upgrade as your wealth grows.
5-10 minute signup, start investing immediately
Mobile-first platform, manage portfolio from anywhere
Real-time portfolio tracking and performance visibility
Access global markets and international funds
No entry/exit fees, transparent cost structure
CMA-regulated, segregated accounts, fully secure
50+ investment products to build your strategy
Educational resources to grow your investing skills
Easy rebalancing and portfolio adjustments anytime
Upgrade path to premium tiers as wealth grows
Transparent pricing
What you pay vs. what you get
No hidden fees, no surprise charges. Everything is transparent upfront.
What you don't pay
- ✗Entry fees or sign-up charges
- ✗Exit fees or withdrawal penalties
- ✗Hidden spreads or hidden charges
- ✗Inactivity fees
What you do pay
- ✓Fund management fees (typically 0.5-1.5% annually)
- ✓Transaction costs (vary by asset)
- ✓See all fees in writing before investing
- ✓Full fee breakdown →
Next steps
Two simple ways to get started
I'm ready to invest
No questions left. Open an account, fund it, and start building your portfolio. 5 minutes from start to first investment.
Open account in 5 minutesI want to learn more first
Browse our resources, use calculators, read case studies. All free and no signup required.
As your wealth grows
Upgrade path: Growing with your wealth
Individuals tier is your starting point. As your portfolio grows, you can upgrade to Premier (KES 500K+) for advisor access, or Private Wealth (KES 10M+) for dedicated management. Your investments, history, and relationships transfer seamlessly.
KES 50K–500K
You are here
Self-serve, full control, 50+ investment products, transparent fees, real-time tracking.
→
KES 500K+
Premier Tier
Advisor access, personalized guidance, tax optimization, global markets.
Learn about Premier →Services Available at Your Tier
Everything you need to start investing and build wealth. Upgrade to Premier or Private Wealth for additional features and dedicated support.
Financial Planning
Goal-based planning to build and protect your wealth.
Investments & Portfolio Management
Diversified portfolios managed with discipline and expertise.
Educational Futures
Fund your child's education and financial independence.
Retirement & Succession Planning
Plan your retirement and secure your legacy with confidence.
Global Routes
Invest back home from anywhere. For Africans in the diaspora.
Offshore & USD Investments
Diversify into global markets and USD-denominated assets.
What This Tier Covers
Ready to get started?
Open your account or schedule a consultation to see how we can help you build wealth.
Start InvestingReady to start your investment journey?
The Individuals platform is open 24/7. No minimum wealth, no advisor consultation required. Just KES 50,000 and 5 minutes of your time.
Or email us anytime: hello@ndovu.co