ArvoCap Assset Managers

𝗠𝗮𝗿𝗸𝗲𝘁 𝗨𝗽𝗱𝗮𝘁𝗲 𝗚𝗹𝗼𝗯𝗮𝗹. Conflict in the Middle East is no longer just a regional issue, it is reshaping energy markets, influencing inflation, and altering investment decisions worldwide. The result is a fragile system where growth is slowing, but costs remain high. The central trigger is the Iran–US–Israel conflict, which has pushed oil prices above $100 per barrel amid fears of disruption in the Strait of Hormuz—a critical global energy route. Even with intervention from the International Energy Agency (400M barrels released), markets remain uneasy, pricing in continued risk. This is feeding directly into global markets: Major US indices (Dow, S&P 500, Nasdaq) have declined for three consecutive weeks. Investors are rotating toward safer, yield-generating assets. At the same time, macroeconomic signals are flashing warning signs: United States Growth is slowing sharply (GDP revised down to 0.7%) Inflation remains sticky (Core PCE at 3.1%) → Raising fears of stagflation. Europe & UK Economic activity is stagnating. Industrial production is declining, led by Germany. Asia China shows strength in trade (record surplus) but weak industrial demand (deflation persists). Japan faces rising bond yields and a weakening currency, increasing import costs. The global system is now caught in a difficult position: Oil prices → driving inflation Inflation → limiting central banks’ ability to cut rates High rates → slowing economic growth However, periods like these are not just about risk, they are also where disciplined investors find opportunity. Market volatility often creates entry points into high-quality global assets at more attractive valuations, especially for investors with a long-term outlook. At Arvocap, our approach remains grounded in diversification, active monitoring, and strategic positioning, ensuring that portfolios are not only protected against short-term shocks but also positioned to benefit from long-term global growth trends. 👉 The key is to stay invested, stay diversified, and stay guided. arvocap.com #global #globalmarkets #bonds #stocks #InvestorProtection #GlobalTension

𝗠𝗮𝗿𝗸𝗲𝘁 𝗨𝗽𝗱𝗮𝘁𝗲 𝗔𝗳𝗿𝗶𝗰𝗮. Africa today is not one story, it is many stories happening at once. Some economies are capitalizing on global demand for commodities and reforms, while others are feeling the weight of investor caution and currency pressure. The continent is experiencing a clear divergence in performance: South Africa, the region’s most developed market, has entered a correction phase (-10.5%), driven by global “risk-off” sentiment and pressure on mining and banking stocks. Meanwhile, high-growth and reform-driven markets are thriving: Ghana (+78% YTD) benefiting from gold exports and economic restructuring. Nigeria (+27.5% YTD) driven by renewed investor confidence. Currencies further highlight this divide: The South African Rand weakened significantly, acting as a proxy for emerging market risk. The Ugandan Shilling strengthened, supported by export growth and capital inflows. Despite these differences, one consistent bright spot is corporate performance. Major African firms continue to post strong earnings, with banks improving asset quality and telecoms expanding aggressively (e.g., 5G rollout in Uganda). However, a broader concern is emerging: rising debt risk premiums, meaning borrowing is becoming more expensive across the continent. 👉 Bottom line: Africa has both risk and opportunity, it all depends on where you’re looking. #africa #market #stocks #growth #InvestorProtection

𝗠𝗮𝗿𝗸𝗲𝘁 𝗨𝗽𝗱𝗮𝘁𝗲 𝗞𝗲𝗻𝘆𝗮. Kenya’s economy is doing a good job holding itself together, even as the rest of the world feels uncertain. Investors still trust the system, businesses are moving, and policies are helping keep things stable. But because Kenya is connected to the global economy, what’s happening outside is slowly starting to show up at home. Right now, Kenya’s biggest strength is local confidence. Investors are still putting money into government bonds, showing trust in the economy. In fact, demand was so strong that the government could afford to reject expensive offers and only take what made sense. The stock market is also doing okay, especially banks, and the government is collecting more tax than last year, which shows the economy is active. Fuel prices have been kept steady, which is helping people avoid the pain of rising global oil prices—for now. But there are early warning signs: The shilling is weakening slightly, meaning imports (like fuel) could become more expensive. The government is borrowing more locally, which might leave less money available for businesses to grow. 👉 Bottom line: Kenya is stable and well-managed but global pressure is slowly creeping in. #Kenya #market #stocks #bonds #growth #marketupdate #GlobalTension

𝗔𝗿𝘃𝗼𝗰𝗮𝗽 𝗔𝗹𝗺𝗮𝘀𝗶 𝗙𝗶𝘅𝗲𝗱 𝗜𝗻𝗰𝗼𝗺𝗲 𝗔𝗰𝗰𝘂𝗺𝘂𝗹𝗮𝘁𝗶𝗼𝗻 𝗙𝘂𝗻𝗱 (𝗞𝗘𝗦) The crown Jewel of Investment Opportunities. This is a fund built for patience. It invests primarily in Kenyan government securities and high-quality corporate fixed income instruments. It is designed to be steady and reliable, compounding wealth over time. Could this be the right fund for you? Open your Arvocap account and start investing. arvocap.com +254 701 300 200 / +254 709 002 600 #Performance #growth #Bonds #InvestingTips

Happy International Women’s Day 🌸 Today we celebrate the women who give so much of themselves to the world. May the world continue to gain from all that you give. And may the world give back to you even more — love, joy, peace, and the fulfillment your heart truly desires. Today and every day, we celebrate you. #gaintogive #women #IWD #impact #InternationalWomensDay2026

𝗚𝗹𝗼𝗯𝗮𝗹 𝗠𝗮𝗿𝗸𝗲𝘁 𝗨𝗽𝗱𝗮𝘁𝗲. Global markets faced renewed uncertainty during the week as geopolitical tensions escalated in the Middle East following military strikes in Iran and the closure of the Strait of Hormuz, a critical global oil route. These developments pushed investors toward safe-haven assets, with gold rising 2.3% and silver surging 7.8%. Major U.S. equity markets finished the week lower amid ongoing concerns around artificial intelligence disruption and evolving U.S. trade tariffs. The Dow Jones fell 1.3%, the Nasdaq dropped 0.9%, and the S&P 500 declined 0.4%. At the same time, global bond markets rallied as yields declined, reflecting stronger demand for fixed-income assets. The U.S. 10-year Treasury yield fell to around 3.96%, its lowest level in more than four months. Outside the U.S., markets showed resilience. Europe’s STOXX 600 reached new highs, Japan’s Nikkei posted strong gains, and Chinese equities rose as investors anticipated new economic policy targets from upcoming government meetings. Overall, global markets remain supported by resilient economic data and strong demand for safe assets, even as geopolitical tensions and trade policy uncertainty continue to shape investor behavior. #GlobalEconomy #GlobalMarkets #Markets #investor #growth #impact #global #WW3

𝗠𝗮𝗿𝗸𝗲𝘁 𝗨𝗽𝗱𝗮𝘁𝗲 𝗔𝗳𝗿𝗶𝗰𝗮 Across Africa, several major economic and market developments shaped investor sentiment. In Nigeria, the Central Bank reduced its policy rate from 27% to 26.5%, marking the first rate cut of the year as inflation eased. Nigeria’s foreign reserves also rose to $50.45 billion, the highest level in over a decade. Despite strong year-to-date performance, Nigerian equities experienced a modest weekly pullback. Ghana’s stock market continued its impressive rally, gaining 9% for the week and recording a remarkable 46.7% gain month-to-date, reflecting improving macroeconomic confidence and strong investor participation. In South Africa, the government presented a growth-supportive national budget, withdrawing a proposed tax increase and adjusting tax brackets for inflation. Public debt is expected to stabilize around 77.3% of GDP, and the positive fiscal tone helped push the JSE higher following the announcement. Elsewhere on the continent, innovation and market development continued. Rwanda advanced its digital currency project with a successful e-Franc pilot, Egypt confirmed the launch of a futures market, and the Johannesburg Stock Exchange welcomed its first major listing of 2026, reinforcing its position as a gateway for global investors into African markets. Overall, Africa’s investment environment is being shaped by a mix of policy easing, fiscal reforms, and strong equity market momentum. #Africa #marketupdate #markets #growth #impact #InvestorAlert

𝗠𝗮𝗿𝗸𝗲𝘁 𝗨𝗽𝗱𝗮𝘁𝗲 𝗞𝗲𝗻𝘆𝗮. Kenya’s economic fundamentals continued to strengthen during the week. Foreign exchange reserves stood at $12.5 billion (5.4 months of import cover) and are expected to rise further to about $14.3 billion once the remaining Eurobond proceeds are processed. The Kenya Shilling remained stable at around KES 129 per dollar, while inflation eased to 4.3%, comfortably within the Central Bank’s target range. Investor appetite for government securities remained strong, with Treasury bills oversubscribed by 243.9%, showing continued liquidity and confidence in government paper. Activity in the bond market also increased as investors repositioned portfolios toward month-end. On the corporate front, mixed earnings were reported across listed companies. BAT Kenya saw revenue decline but profits rise due to cost controls, while Unga Group reported strong profit growth, and Limuru Tea issued a profit warning. Overall, Kenya’s macro environment remains stable, supported by strong external buffers, moderate inflation, and healthy demand in the domestic financial markets. #marketupdate #kenya #bonds #growth #impact #investor #Markets

Hello Wilson, Thank you for raising this. We have reviewed the concerns being shared and would like to provide clarity around the withdrawal process and service experience. There are primarily two instances where a client may be unable to withdraw funds via the app: 1. Incomplete KYC (Know Your Customer) Documentation Previously, clients were able to invest before fully completing their KYC details. However, to strengthen security and align with regulatory and compliance standards, we updated the system to require complete KYC verification before transactions can be processed. This measure is not a restriction — it is a protection. It ensures proper identity authentication and safeguards every investor’s funds against fraud, unauthorized access, and regulatory risk. 2. Withdrawal Requests Within a Lock-in Period Certain products have stipulated lock-in periods. If a client initiates a withdrawal before this period lapses, a structured process must be followed, and applicable charges may apply. Our team guides clients through this process to ensure clarity and transparency. Regarding service concerns, we take feedback about responsiveness and communication very seriously. As our client base continues to grow rapidly, we have been scaling our customer support capacity to match this growth. Any reported delays or service gaps are not reflective of our standards and are being addressed with urgency. The Arvocap Investment App has consistently received strong feedback and has been benchmarked favorably, even against global standards. Like any evolving digital platform, occasional technical challenges may arise; however, we actively monitor performance and resolve issues promptly to maintain stability and user experience. We remain committed to transparency, compliance, and continuous improvement. Our priority is — and will always be — to protect client funds, enhance accessibility, and deliver a seamless investment experience. If there are specific cases requiring review, we would be happy to investigate them individually and provide direct resolution.

@ChamsMedia @ArvoCap @AlexChamwada @ChamsLodwar @ChamsAdventures @RickOkinda There have been complaints from people unable to withdraw on the app, unresponsive customer care, others complaining of being blocked after persistent calls, app having bugs. Provide a commentary on that kindly

Working abroad and thinking about your financial future? Whether you’re remitting home, planning your return, or expanding your portfolio across continents, the @ArvoCap webinar on 28th February 2026 will equip you with practical strategies to invest wisely and grow sustainably.

In the early 2000s, if you stood in Dubai and looked at the desert, you would have seen nothing unusual; Sand. Heat. Wind. No skyline. Nothing spectacular to look at. Just foundation work that would one day carry something extraordinary. Engineers drilled 192 deep foundation piles into the earth, each extending more than 50 meters below the surface. Thousands of tons of reinforced concrete were poured underground. Months were spent strengthening the base before a single visible floor was built. For months, the site offered nothing impressive to the casual observer. No soaring steel. No glass panels catching the sun. Just excavation, testing, recalibration. Soil studies. Load calculations. Structural modeling. Quiet decisions made in meeting rooms that would never appear in a glossy coffee-table book. The engineers understood something fundamental, something easy to forget: If you intend to rise beyond imagination, you must first commit to what no one sees. Only after the foundation was secured did the tower begin its ascent. Slowly. Methodically. Floor by floor. As it climbed, the forces changed. At extreme heights, wind does not simply brush against a building; it presses, twists, insists. Height attracts pressure. Ambition invites resistance. So the structure was designed not merely to stand tall, but to respond. Its Y-shaped core and setbacks were engineered to disrupt wind vortices. The tower was built to move slightly under stress — to bend, within limits, rather than fracture. It was constructed to endure turbulence. Construction began in 2004. In 2010, the world looked up and saw the finished form of the Burj Khalifa — 828 meters of glass and steel, the tallest building ever built. Each figure could have been mistaken for a summit. But they were not towers. They were reinforcement — additional layers of responsibility, additional systems, additional discipline. Today, Arvocap stands at KES 10,000,000,000 in Assets Under Management, serving over 22,000 clients. From a distance, it looks like a skyline moment. But in reality, 10 Billion is not the summit. It is the point at which the structure becomes visible to more people. It means responsibility. Beneath it lies governance. Risk discipline. Strategic allocation. And thousands of clients who trust us to put their dreams before anything else. Because when something grows taller, it also carries more weight. The higher you rise, the more you must prepare for wind. Markets will shift. Conditions will change. Expectations will grow. Pressure is not a possibility; it is a certainty. And so the work continues. Brick by brick. Pile by pile. Decision by decision. We are still building; and the skyline, as it turns out, is only the beginning. Thank you for 10 Billion in Assets Under Management. Because of You, We Continue Building. #growth #impact

Market Update - Global. Market Rotation & The AI Narrative. Global markets experienced a weaker week, led by declines in major U.S. indices: ✅S&P 500: -1.4% ✅Nasdaq: -2.1% (5th consecutive weekly decline) ✅Dow Jones: -1.2% The driver? Growing investor concern that Artificial Intelligence (AI) could disrupt industries faster than anticipated — from banking and financial services to logistics and software. However, this is not panic selling. It is rotation. Capital is moving away from high-growth, AI-exposed technology stocks and into more stable, defensive sectors such as utilities, real estate, and consumer staples. Financial stocks were among the hardest hit, declining roughly 5% amid fears of technological disruption. It’s not a crash. It’s a shift in positioning. On a more encouraging note, U.S. inflation eased to 2.4%, reinforcing the narrative that price pressures are moderating. While the Federal Reserve has paused rate cuts for now, markets are pricing in the possibility of 2–3 rate reductions later this year if inflation continues trending downward. The Bigger Picture. Markets are adjusting to two realities: ✅ AI is reshaping industries faster than expected. ✅Inflation is easing, creating room for potential monetary support later in the year. For investors, this phase is less about fear and more about strategic repositioning within a changing global landscape. #GlobalMarkets #MarketUpdate #Investing #ArtificialIntelligence #EconomicOutlook #arvocap

Market Update - Africa. Africa continues to show resilience and strong equity momentum, with Nigeria and Ghana leading performance. Across the continent, easing inflation, policy adjustments, and structural reforms are supporting growth and restoring investor confidence. Here’s a quick snapshot: 🇳🇬 Nigeria One of the best-performing markets this year — up over 17%. More pension funds are investing in shares, which is pushing prices higher. 🇬🇭 Ghana Also up around 17% this year. Inflation has dropped significantly, and the currency is stable. 🇪🇬 Egypt Markets continue to rise after interest rates were cut to support growth. 🇿🇦 South Africa Stock market doing okay, but a stronger currency is affecting returns for foreign investors. 🇲🇦 Morocco Slight pullback recently, but the economy remains stable. Africa is not just participating in global market cycles, it is building its own growth narrative. As macro fundamentals improve and institutional participation deepens, select African markets continue to present compelling long-term opportunities. To position yourself within this momentum, consider the Arvocap Africa Equity Special Fund, designed to provide structured exposure to growth opportunities across the continent. arvocap.com #marketupdate #africa #investing #Growth

Market Update. Kenya’s economy remains steady, and recent data reflects a supportive environment for investors, businesses, and households alike. Here’s what’s happening: 📉 Interest Rates Are Lower The Central Bank has slightly reduced interest rates. Lower rates typically encourage: ✅ Borrowing ✅Business expansion ✅Consumer spending ✅Investment activity This move signals confidence in macro stability while supporting growth. 📊 Inflation Is Cooling Inflation declined to 4.4%, meaning the pace at which prices are rising has slowed. For households and businesses, this provides relief and improves purchasing power stability. 💵 The Shilling Remains Stable The Kenyan shilling is holding steady at around 129 per U.S. dollar. Currency stability is important because it: ✅Reduces uncertainty for importers and exporters ✅Supports investor confidence ✅Helps manage inflation expectations 📈 Strong Week at the NSE The Nairobi Securities Exchange PLC recorded notable gains, with major indices rising by approximately 5%. In addition: ✅Market participation increased ✅Trading activity improved ✅Investor sentiment strengthened This reflects growing confidence in local equities. 🏦 Treasury Bills Still Attractive Government securities continue to receive strong investor demand. Treasury bills remain competitive and well-supported, showing that fixed income instruments are still playing a key role in investor portfolios. The question now becomes: Are you positioned to take advantage of this stability? #marketupdate #kenya #investing #growth #leadership #NSE

Yes You Can Have It All! A rich balanced portfolio. Arvocap Money Market Fund for liquidity, soft landings, and peace of mind. Perfect for parking cash, building discipline or saving towards your next move. Arvocap Ngao Fixed Income Distribution Fund - Designed to generate regular income distributions: monthly, quarterly, semi annually and Annually. Arvocap Almasi Fixed Income Accumulation Fund - disciplined, compounding, invests primarily in Government bonds. Arvocap Thamani Equity Fund - Own a piece of Kenya’ s Strongest companies. Invests in listed companies on the Nairobi Securities Exchange (NSE) Arvocap Africa Equity Fund - tapping into the continent’s rising giants. Invests in stocks of high potential African listed companies. Arvocap Global Equity Fund - Exposure beyond borders to global markets in USD. Arvocap Multi Asset Strategy Fund - Diversified, dynamic , bold. Arvocap sharia funds -growth that aligns with your value. Yes you can have it all!

Arvocap Multi-Asset Strategy Fund. Invest in Global Themes. Build a Resilient Portfolio. The Arvocap Multi-Asset Strategy Fund is designed for investors seeking exposure beyond traditional asset classes, tapping into global opportunities that shape tomorrow’s economy. This fund diversifies investments across commodities such as crude oil, gold, and copper, alongside ETFs and CFDs, while strategically allocating to high-growth, future-focused themes including artificial intelligence, electric mobility, and emerging global innovations. Through active, professional management, the fund responds to global market movements, demand cycles, and technological shifts—allowing you to participate in these opportunities without the complexity of daily market tracking. As global demand for critical resources and AI-driven solutions accelerates, this fund positions your capital to benefit from long-term structural growth, while balancing risk through diversification and expert oversight.

Arvocap Eurofx Fixed Income Special Fund. Invest in Eurobonds. Looking to diversify your investments beyond borders? This fund provides a structured pathway into the global fixed income market, offering the potential for stable dollar-based income and long-term capital appreciation. With a focus on sovereign Eurobonds, corporate dollar bonds, and structured products, the fund is designed to balance income generation with capital growth, making it a strong consideration for investors seeking international exposure.

Arvocap Global Equity Special Fund. Designed for Investors with an eye for the world stage. The Arvocap Global Equity Special Fund is designed for investors who demand a seat at the table of the world’s most powerful corporations and emerging market leaders. Gain exposure to a meticulously curated selection of high-performing international equities, handpicked for their resilience, innovation, and long-term growth potential. This fund grants you access to premium global markets, ensuring your portfolio moves in sync with the most influential financial hubs. Apple, Amazon, Microsoft, Nvidia, Uniliver, Coca Cola, you name it!

Arvocap Africa Equity Special Fund. Invest in Africa! A strategic investment crafted for those looking to elevate their portfolios by accessing Africa's most promising high-value stocks.

What’s Happening in the Markets. As of early February 2026, the global economy isn’t in trouble — it’s just changing lanes. Investors are moving some of their money away from expensive tech companies and putting it into more affordable businesses like manufacturers, banks, and smaller companies. At the same time, big tech firms are still spending heavily on Artificial Intelligence, which shows confidence in long-term growth. In Africa, the big story is about keeping trade going and strengthening local economies. The extension of AGOA means countries like Kenya, Nigeria, and South Africa can keep exporting goods to the U.S. without extra taxes — at least for now. Meanwhile, global banks are working on ways to help African countries borrow in their own currencies, which reduces the risk of debt problems caused by a strong dollar. Back home in Kenya, the economy is holding up well. The shilling has remained stable, government bonds are attracting a lot of interest, and companies listed on the stock market are posting solid results. This shows that both local and foreign investors still have confidence in the country.