$100K: Apartment in Nairobi or US Stocks? I Ran the Numbers
$100K, 10-year hold, diaspora investor: Nairobi apartment: 7% gross rent, but 30% diaspora tax (2026) + service charge + management + vacancy = ~2% net yield. Prices fell 7–11% in 2025. ~$132K after 10 yrs. Halal ETFs (SPUS/SPTE): ~10%/yr, tax-free in a Roth, fully liquid. ~$259K after 10 yrs. Real estate has non-financial value if you’ll live in it or house family — but as a pure investment, the math favors index investing. Free halal investing guide: link in bio. Follow @firsttowealth. DISCLAIMER: Educational, not financial advice. Illustrative assumptions sourced from HassConsult Q1 2026, Cytonn, KRA/Finance Bill 2026. Returns not guaranteed. DYOR. #halalinvesting #nairobi #realestate #diaspora #kenya #immigrantwealth #SPUS #SPTE #islamicfinance #muslimmoney #firsttowealth #buildingwealth #africa #somali #realestatevsstocks
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