You are obviously investment-illiterate. The best option for someone like you is to put that 800k into the gig that gave you that cash. Halafu on the side you can start reading books and watching content on different ways of investing.
Elder pale umetoa hio 800k, invest hapo, panua hio biashara, usi invest mahali hujui, ama utajipata umeokoka mapema kabla tarumbeta kulia uanze kusumbua mungu na maombi za kufunguliwa njia.. na mambo ya nyota yako kuibiwa. Utaumia bure… isikupatie JOTO. Mistake number one ya mtu akipata pesa ni joto… hio huwa ni kasaitan kana kunyemelea…
Asking for ideas means you can’t cut it in business. Go to rural Kenya, buy 2 acre land; 30 goats and employ a local at 6k per month. If things hit the fan you can still sell the land and retain appx 85% of your principal.
Kenya’s inflation rate in 2025 was 4.5%. How much does a MMF yield? How much of that yield goes to tax and hidden costs? Below a certain amount of money, or unless you have serious cashflow to grow the fund, MMFs etc don’t make a lot of sense. The current MMF and share buying craze is likely sponsored by govt so that you don’t hodl cash under your mattresses.