Kenyans on social media are currently divided after a serious back-and-forth between Kiharu MP Ndindi Nyoro and Hezekiah Kariuki, the CEO of Comfort Homes. The two heavyweights have very different ideas on how we should be investing our hard-earned money, and frankly, both make some pretty valid points.
The debate boils down to one big question: Is it better to buy land and wait (Land Banking), or put that money into the Stock Market?
Kariuki’s Take: “Stop Chasing Passive Income”
Hezekiah Kariuki isn’t a fan of people just sitting back and waiting for dividends. He argued that if everyone just dumps money into shares, the country’s actual productivity takes a hit.
Ndindi Nyoro & Comfort Homes CEO
Kariuki’s logic is simple: land is real. When you buy land, you eventually build houses, start farms, or open shops. That creates real jobs for “mjengo” guys, plumbers, and farmers.
He warned that a society obsessed with passive income basically making money while you sleep ends up killing innovation. For him, land is the ultimate safety net that actually builds the country.
Ndindi Nyoro’s Counter: “Investment Shouldn’t Just Be for the Rich”
On the flip side, Ndindi Nyoro (who is a huge fan of the Nairobi Securities Exchange) isn’t buying the “land only” argument.
He stepped in to defend stocks, saying they are the best way for an ordinary Kenyan to own a piece of giant companies like Safaricom or East African Breweries.
Nyoro’s strongest point? Accessibility. Let’s be honest: not everyone has KSh 500,000 or a million sitting around to buy a plot.
Nyoro pointed out that with stocks, you can start small. It’s “financial inclusion”.letting the person with a few thousand shillings grow their wealth alongside the billionaires.
Plus, he argued that businesses need that stock money to expand and create the very jobs Kariuki is talking about.
The Real Talk: Who’s Right?
The comments sections are a battlefield. Some people are siding with Kariuki, calling land the only “true” investment in Kenya that won’t disappear overnight.
Others are backing Nyoro, arguing that land in Kenya is often overpriced, hard to sell quickly, and tied up in endless legal drama.
The bottom line?
It’s a clash of two worlds. You have the “Real Estate King” pushing for physical assets and the “Budget Expert” pushing for liquid, modern wealth.
If you’ve got a big lump sum and patience, Kariuki’s land banking makes sense. But if you’re starting from scratch and want to move fast, Nyoro’s stock market route is hard to beat.
What’s your move? Are you saving up for a title deed or loading up your CDS account? Let us know in the comments.
