financial freedom for you and your generation

Financial Freedom for You and Your GenerationThe future of Real Estate investing in Kenya

Market opportunity: Facts and Figures

Kes.12 trillion in Capital tied up in land in Nairobi, Kajiado, Machakos and Kiambu.

Kes.1 trillion in Capital tied up in land in Nairobi.

Kenyans’ Love for Real Estate …

Direct real estate investment comes at high cost of purchase, ties up capital for longer duration, and does not provide liquidity in time of need

… is not Real

Jennifer Lucy Mark• 26 years old• Marketer• Salary: 70K – 150K per month• Adventurous, wants to explore the

world and try new things; of late being restaurants.

• Jennifer is ambitiously looking for a place to invest her money and earn stable returns.

• 35 years old• Banker• Salary: 200K – 350K per month• Young, energetic, has a young family

and a passion for finance and investment.

• Lucy wants to start saving for her young son’s education.

• 48 years old• Construction Manager• Salary: 350K – 500K per month• Passionate about keeping active and

maintaining his relationships with his 3 teenage children.

• Mark dreams about saving early for his retirement.

Meet Jennifer, Lucy and Mark

What do they look for in an investment?

“I tend to lean towards investments that offer me maximum returns in the long run, since I’m pretty young. A product that is easy to understand and use is a

plus! ” - Jennifer

“Retirement is a great deal for me. I will always consider an investment vehicle that is safe and secure and

assures me of a comfortable retirement.” - Mark

“When looking to invest, I always ask myself; In case of a family emergency, can I access my funds easily? Will I be penalized

for accessing funds that are mine in the first place? And what does that mean for my

investment…can I come back and continue?” - Lucy

Over the years, we have achieved market leadership in the student accommodation sector through our brand; Qwetu Student Residences. By the year 2030, we expect to add three times our existing bed capacity in order to satisfy merely 10% of the demand for affordable and quality student accommodation in Nairobi. We are at the start of our growth journey.

2017Opened the first

student purpose-built accommodation unit

Qwetu Jogoo Rd.

2020Managed to build and operate 5 Qwetu Student Residences

over a three-year period while maintaining an avg. occupancy

rate of 90%

2021Launched the first pure

Development REIT issued globally; the first Student

Accommodation REITs in Africa & the first issuances to list on

the USP at the NSE

2023Plan to have built our 2 other purpose-built accommodation

housing brands – Qejani & Palma

2030Target to have provided

40,000 new purpose-built housing beds across the 3

brands- Qwetu Student Residences, Qejani & Palma

More than400,000

University and College students in Nairobi, with only 10%

accommodated on campus

Market Gap

Acorn

Be a part of our growth story

Achieving growth through REITs

Every investor seeks a real estate investment that is profit making.

However, this option is rarely available, with real estate options requiring time to build, rent and generate profit.

The Kenya Regulatory environment enables investors to earn from income-generating properties through Real Estate Investment Trusts; REITS. This framework allows income-generating assets to be professionally managed under a regulated framework.

Acorn is the pioneer in this sector, launching Africa’s first Student Accommodation REIT, giving investors the opportunity to get into the lucrative student housing market.

This opportunity was only available to institutional investors, and is now open to retail investor like Jennifer, Lucy, Mark and You.

The solution

Vuka is an exclusive invite-only investment club that allows investors like Jennifer, Lucy, Mark and You to own units of Acorn’s Student Accommodation REITs. Through our digital platform, Vuka connects investors to owning profitable real estate without putting in millions. Investors can expect a product that is:

Get up (Zulu) Cross over (Swahili)

This crossing over is a big milestone for anybody who earns and wants to save bit of their earnings for a better future.

• Regulatedthis provides the mechanism and platform to translate savings into private sector investment through our CMA approved product.

• Committedencourages you to improve your saving habits while growing your wealth, offering transparency through trading on the NSE’s USP.

• Tenurefavourable terms under which the assets will be held, allowing investors to buy units for wealth accumulation in the medium and long-term.

• Flexibilityin time of need, ability to liquidate with ease of selling and withdrawing your savings, compared to direct real estate.

• Quality of assetsideal for capital appreciation year on year with an attractive return profile

• Tech-enableduser-friendly platform that allows members to buy, sell and monitor their investment

Our offering

Edward Kirathe,

Founder & CEO Acorn Holdings Ltd.

“We have given retail investors the opportunity to participate alongside Acorn in development returns and income generating properties in a well governed

and professionally managed structure without taking the risks involved in direct Real Estate Investment. Being tradeable securities means investors will

be able to get liquidity more easily than direct real estate.”

Vuka in comparison to other investment products

Affordability Convenience Tax IncentivesStable

Income Quality of Assets

Conventional Money Market Fund

Rental units

Plots of land

NSE Equities

Insurance Investment products

What makes us stand out

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Jennifer, Lucy and Mark achieve their investment objectives through Vuka. Here’s how…

Jennifer

• Salary: KES 70K – 150K per month

• Invests 8%- 10% of her salary per month

• She invests KES 7,000 per month in Vuka

• She invests for 20 years• She can now confidently

chase her financial ambitions.

*Estimated returns are based on the current business projections, considering reinvestment of dividends and interest during the investment period

Jennifer’s projected investment growth with Vuka

7000 KESMonthly Investment

20 YearsTenure for Investment

1.68 Mn KESTotal amount invested

6.61 Mn KES*Accumulated wealth at the end of the investment tenure

654,082 KES*Year on year payout after the investment period

Lucy• Salary: KES 200K – 350K per

month• Invests 8%- 10% of her salary

per month• She invests KES 21,000 per

month in Vuka.• She invests for 15 years, upon

which her son will be ready to enrol into campus.

Lucy’s projected investment growth with Vuka

21000 KesMonthly Investment




1,079,992 KES*Year on year payout after the investment period


Mark• Salary: KES 350K – 500K per

month• Invests 8%- 10% of his salary

per month• He invests KES 35,000 per

month. • He invests for 10 years• Mark can now see retirement

as a comfortable future.

Marks’s projected investment growth with Vuka


35000 KESMonthly Investment




869,124 KES*Year on year payout after the investment period

Each investment category unlocks your investment capabilities, with an opportunity to upgrade from one package to another.

Choose what suits you

Membership categories

* Service charge is a cumulation of trading charges of our CMA approved designated broker, administrator and NSE charges. Applicable only during trading

Join VUKAContact us to receive an invite code from one of our investors and get started. Alternatively you can reach out to us and we will be happy to assist.

• [email protected]• Toll free 0800730333

www.vuka.co.keHead Office Acorn House, 2nd Floor,97 James Gichuru Rd, Lavington, Nairobi P.O. BOX 13759-00100

You too, can benefit.

financial freedom for you and your generation

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