If you are saving for your child’s education, retirement, a home or another major financial goal, the hardest question is often not how much to save but where to put the money.
You may already have money in an MMF, SACCO, bank account, bonds or shares. But each serves a different purpose. Money you may need next month should not be invested the same way as money you will not need for another 10 years.
On 12th August 2026, we sat with Isaac Mwangi, Head of Innovation & Intelligence, and Gerald Cheruiyot, Head of Retail Distribution at Sanlam Allianz Life Insurance (Kenya) Limited, to unpack the time value of money.
The discussion had several key takeaways, including:
- Inflation erodes the value of money, so investments should aim to stay ahead of inflation.
- Give every investment a purpose. Invest consistently and match the investment to the goal. Consider the time horizon, risk, expected return and taxes before choosing where to put your money.
- Protect the downside.
- Think in portfolios, not individual products.
Also read: The Hidden Cost of Running an Uninsured SME: You didn’t build this to lose it overnight
But towards the end of the discussion, the conversation moved beyond investing to something that is often overlooked: protection. The Sanlam Allianz team demonstrated how Flexi Future Plus could complement other investments as part of a broader portfolio, particularly when saving for a defined long-term goal.
So, what is Flexi Future Plus?
Flexi Future Plus is a goal-based savings and protection product designed to help you work towards long-term financial goals while giving you flexibility along the way.
You choose a goal, decide how much you want to work towards, select a policy term of between 5 and 17 years, and make either regular or single premium contributions.
At maturity, you can take the benefit as a lump sum or spread it across instalments, depending on the option available to you.
Why “Flexi Future Plus”?
The name itself explains the thinking behind the product.
Flexi refers to the flexibility built into the plan. You can choose how frequently you contribute and make adjustments as your circumstances and goals change.
The future reflects what the product is designed for: helping you work towards major goals such as education, retirement or home ownership.
Plus is the protection element. Beyond saving towards a future payout, you can add protection benefits to help keep the plan on track when unexpected events occur such as death, critical illness, permanent total disability and retrenchment.
An investor does not necessarily have to choose between Flexi Future Plus and everything else they already own. An MMF can provide liquidity for emergencies and short-term needs. Other investments can provide growth or income. Flexi Future Plus can be used towards a specific long-term goal where a guaranteed maturity benefit and protection are important.
There is also no withholding tax on the benefit. The plan also gives you flexibility along the way. It includes premium holidays, such as the option to take a break from contributions in January, and access to policy loans, subject to the applicable terms.
These features are designed to give investors both certainty around a long-term goal and some flexibility when their circumstances change.
If you have a long-term financial goal and are looking for an option that combines saving, certainty and protection, Flexi Future Plus is worth exploring.
Learn more about Flexi Future Plus, how it works and the available options on the SanlamAllianz page: https://akibaplus.co.ke/flexi-future-plus
#The Investment you may be Overlooking
CEO & Co-Founder, Abojani Investment
Robert Ochieng is a visionary entrepreneur and the co-founder of Abojani Investment, a leading financial education platform in Kenya that has empowered over 20,000 Africans to embark on their investment journeys. As CEO, he has demonstrated an unwavering commitment to financial literacy, successfully demystifying money and investments and making them accessible and relevant to individuals from all walks of life.
Running Thriving Investment Communities
Robert’s influence extends well beyond Abojani Investment’s core offerings. He has actively fostered a sense of community by running investment forums and groups with a vast following of over 300,000 Africans. These communities provide a safe space for individuals to exchange ideas, share experiences, and support each other on their investment journeys.
Vision for the Future
As co-founder of Abojani Investment, Robert envisions a financially empowered Africa. He strives to expand the reach of his financial education initiatives, enabling millions more to gain the knowledge and confidence needed to achieve their financial goals. His vision is to create a society where every individual has the tools and understanding to build lasting wealth and prosperity.
Professional Background
Robert Ochieng is a highly accomplished CEO at the helm of Abojani Investment, an investment and advisory firm in Kenya. He is a seasoned professional with over 14 years of experience in IT, Finance, and leadership.
His career includes key roles at prominent institutions such as Equity Bank, Gulf African Bank, Guaranty Trust Bank (GTBank) and Airtel.
Robert’s expertise has also been sought after by the National Treasury for consultancy on planning and budgeting systems, showcasing his exceptional knowledge and skills in the field. Passionate about driving meaningful conversations and collaborations between academia, industry, and the public sector, Robert actively engages in research projects focusing on digital transformation within the financial services sector. With his visionary leadership and strategic insights, Robert Ochieng continues to make a significant impact in the business world.
