How a child creates their own investment

Learning to invest early is one of the most powerful money habits a child can build. Whether you’re saving up from your weekly allowance in Nairobi or setting aside earnings from your kiddy business, KiddyCash lets you put your money to work directly from your own dashboard — no parent needed for this step.

This guide walks you through creating an investment for the very first time.

What is an investment on KiddyCash?

An investment on KiddyCash is a pot of money you set aside to grow over time. Instead of spending your KES balance right away, you lock a portion of it into an investment goal. KiddyCash tracks the growth and shows you your progress. Think of it like planting a seed — the longer you leave it, the bigger it grows.

If you want to understand why saving and investing from a young age matters, check out why allowances matter for modern families and how allowances work as a family financial tool.

Before you start

Make sure you have:

  • An active KiddyCash account (personal kiddy account or kiddy business account)
  • A positive wallet balance — you need funds available to invest
  • Your login details ready

Steps to create your investment

  1. Log in to your KiddyCash account. Open the app or visit the KiddyCash website and sign in using your username and password.

  2. Go to your dashboard. Once you are logged in, you will land on your personal dashboard. This is your home screen — it shows your wallet balance, recent transactions, and any badges you have earned.

  3. Navigate to the Investments section. From your dashboard, tap or click Investments in the side menu or bottom navigation bar. This takes you to your investments overview page.

  4. Start a new investment. Tap the Create Investment button. You can also go directly to the investment creation page here: Create a new investment.

  5. Enter your investment name. Give your investment a name that means something to you — for example, My Laptop Fund or Holiday Trip Savings. This helps you remember what you are saving towards.

  6. Set your investment amount. Type in how much KES you want to invest. This amount will be moved from your wallet balance into the investment. Make sure you are not investing money you need for other things.

  7. Choose your investment duration. Select how long you want to keep the money invested. Longer durations usually mean more growth, so think carefully before choosing a short period.

  8. Review and confirm. Check all the details — the name, amount, and duration. When everything looks correct, tap Confirm to create your investment.

  9. Done! Your investment is now active. You will see it listed on your Investments page with a progress tracker showing how it is growing.

What happens next?

Your wallet balance will update immediately to reflect the amount you invested. You can check in on your investment any time — see how to view a child investment for a step-by-step guide to reading your investment details.

If a parent or guardian set up an investment on your behalf instead, they followed a slightly different process covered in how to create a child investment.

Tips for young investors

  • Start small. Even KES 50 from your allowance adds up over time.
  • Do not invest money you will need soon — investments work best when left to grow.
  • Check your badges after creating your first investment. KiddyCash rewards good money habits!