Rubiani Portfolio Builder
The Rubiani Portfolio Builder helps you build a diversified portfolio that balances liquidity, growth, passive income, and long-term wealth creation through a structured investment approach. Use the tool below to understand how we will build your portfolio.
Projected Portfolio Value
KES 11,815,571
Estimated portfolio value after 10 years.
Next Step
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Breakdown of Your Projected Portfolio
| Bucket | Amount |
|---|---|
| Money Market / Liquidity | KES 11,815,571 |
| Treasury Bills & Bonds | KES 0 |
| Offshore Portfolio | KES 0 |
| Rubiani Health Reserve | KES 0 |
| Real Estate | KES 0 |
| Total Portfolio | KES 11,815,571 |
Annual Income from Your Projected Portfolio
| Income Source | Estimated Annual Income |
|---|---|
| Money Market Income | KES 1,181,557 |
| Bond Income | KES 0 |
| Offshore Income | KES 0 |
| Health Reserve Growth | KES 0 |
| Rental Income | KES 0 |
| Total Estimated Annual Income | KES 1,181,557 |
Year-by-Year Portfolio Timeline
This shows how the portfolio evolves over time across the selected investment buckets.
| Year | MMF / Liquidity | Bonds | Offshore | Health Reserve | Real Estate | Total Portfolio |
|---|---|---|---|---|---|---|
| 1 | KES 1,210,000 | KES 0 | KES 0 | KES 0 | KES 0 | KES 1,210,000 |
| 2 | KES 1,991,000 | KES 0 | KES 0 | KES 0 | KES 0 | KES 1,991,000 |
| 3 | KES 2,850,100 | KES 0 | KES 0 | KES 0 | KES 0 | KES 2,850,100 |
| 4 | KES 3,795,110 | KES 0 | KES 0 | KES 0 | KES 0 | KES 3,795,110 |
| 5 | KES 4,834,621 | KES 0 | KES 0 | KES 0 | KES 0 | KES 4,834,621 |
| 6 | KES 5,978,083 | KES 0 | KES 0 | KES 0 | KES 0 | KES 5,978,083 |
| 7 | KES 7,235,891 | KES 0 | KES 0 | KES 0 | KES 0 | KES 7,235,891 |
| 8 | KES 8,619,481 | KES 0 | KES 0 | KES 0 | KES 0 | KES 8,619,481 |
| 9 | KES 10,141,429 | KES 0 | KES 0 | KES 0 | KES 0 | KES 10,141,429 |
| 10 | KES 11,815,571 | KES 0 | KES 0 | KES 0 | KES 0 | KES 11,815,571 |
Assumptions Used
- Money Market return: 10% per year
- Treasury Bills/Bonds return: 11.5% per year
- Offshore return: 6% per year
- Real estate rental yield/growth estimate: 9% per year
- Health reserve growth estimate: 10% per year
- Health reserve target: KES 1,500,000
- Bond allocation starts after KES 500,000
- Real estate is triggered from surplus liquidity of KES 2,500,000
Ready to Structure Your Portfolio?
Speak with Rubiani Wealth Management about building a structured portfolio aligned to your liquidity, income, growth, and legacy goals.