MonkMode Capital

Most people in the West underestimate Africa. Most Africans underestimate compound interest. Both are expensive mistakes.

@NewTimesRwanda @BRDbank She forgot about inflation. If current bonds are 12%, and inflation is 8% then you are only really making 4% before tax.

“Why your next money move may not be land,” writes @BRDbank’s Ange Iliza newtimes.co.rw/article/34583/…

@RUGERAW There are a few, Nasdaq being one of them yeah.

@AxeWell_ That's nasdaq right?

March 2026 numbers are in. Net worth grew by 3.84%. The broader stock market took a beating; painful to watch, but it let me load up on quality assets at a discount. Real estate carried the month, delivering the bulk of the gains. Solid reminder that a diversified portfolio still wins. With the Iran war dragging on, April feels uncertain for stocks. My plan? Stay disciplined, stick to the strategy, and keep buying the dips. No panic moves here. Big personal win: I hit another major net worth milestone this month; one I’ve been chasing for the last 7 years. Feels incredible. Reward incoming: treating myself to a physical gold bar to celebrate. Something tangible to mark the grind. On to April. Let’s keep compounding.

@TV1Rwanda 😁😁😁 I am on the floor

Gatsibo: Mu murenge wa Remera, umusore yabeshye rwiyemezamirimo utanga serivisi zo gushyingura, amubwira ko hari umusaza wapfuye, amusaba kumukorera isanduku ndetse akanacukura imva, rwiyemezamirimo acukuza imva, ajyanye isanduku aho bamubwiye asanga uwo musaza ari muzima. Abaturage bavuga ko ibi uyu musore yabikoze kubera ko wari umunsi wo kubeshya.

@RUGERAW Yeah, mainly indices. My day-to-day is mostly in tech, but I wouldn’t say I understand tech stocks down to individual companies, hence why I just buy index funds.

@AxeWell_ Individual stocks or indices? And What sectors do you really understand well?

Cashflow keeps you alive, and equity makes you free.

@meyomeyofr You want to eat alone 😁😁

@AxeWell_ Noo there is nothing in africa don’t come here

Money is where the Chinese are. You should wonder why they are in Africa.

@RUGERAW I do many things but apart from my business, I mainly do stocks and real estate.

@AxeWell_ Ok! What's your primary investments?

@RUGERAW I hit a financial milestone last month, so I'm rewarding myself with a small gold bar 😂

@AxeWell_ What u really mean by a reward?

@RUGERAW Yeah, I see some people making money with metals. For me, it's just a reward, not an investment at the moment.

@AxeWell_ Metals are best investments, especially silver and gold, copper too. And some miners stocks...

Once in a while, bite more than you can chew.

If you’re in the diaspora investing in Rwanda, here’s the math you need: Target 40–50%+ returns in Rwandan francs or walk away. Why? •Inflation: ~8% •Currency depreciation (vs USD): ~6% •Leakage/friction: ~6% Total drag ≈ 20% What that actually means in USD: •20% in francs → ~0% USD •30% in francs → ~12% USD •40% in francs → ~20% USD •50% in francs → ~30% USD Reality check: 
The S&P 500 delivers ~8–10% USD with full liquidity and no headaches. So in Rwanda: •30% → not enough •40% → bare minimum •50%+ → strong deal Anything below ~40% in local currency? Reject it.

“Good” is relative. A family of 5 in Rwanda making 3M/month is doing fine. But if they have the option to move to the U.S., they should take it. Better education, stronger opportunities, easier access to capital, a stronger passport, and the largest economy in the world. You trade ~3–5 years of struggle for decades of upside. It’s a risk–reward decision. In some cases, staying makes sense. But the real benchmark isn’t “doing good.” It’s mindset. If you’re driven, capable, and hungry for more, moving is the best option in most cases. In economies like the U.S., the return on your effort is significantly higher.

@AxeWell_ Which brings us back to my first point. If you got some thing good going for you in your home country, you shouldn’t immigrate. Live life for you

If you got something good going on for you at home, there’s absolutely no reason to go abroad. The grass is not always greener.

@mucyofloris It's just the nature of settling in a new country/new system. All immigrants go through the same struggle, whether from Rwanda, Japan, or Ukraine. Obviously some people get lucky and become successful in other ways, but the majority go through the same thing.

@AxeWell_ Why tho? Who set this standard?

Until you have 1B Rwf, you don’t know how to make money.

@lifeofthebob Oh I see…

@AxeWell_ No they are telling people what the roadmap to success is… They already have more than that…

Don’t let the internet fool you. These people claim to have all this money yet they only a Corolla with $200k miles. If it’s unbelievable it probably isn’t true. Having a paid off car won’t make you rich hope that helps.

@lifeofthebob This looks like an ideal scenario they are building towards or something like that.

@AxeWell_ They have more than that what they listed isn’t their personal holdings

@TheBrilliantBu1 I think you should try not to care too much about X or social media in general.

Man I’m just at an all time low when it comes to inspiration to make posts and going on here. I think I’m burned out on the platform or something. Taking time away made it more apparent.