Home » Auto-invest


Ndovu Auto-invest

Investing on Autopilot

Sign up and get $5 worth of stock

Limited time only

How it works

Stock picking and trying to time the market, does not work. We focus on building your long-term savings by investing in intelligent portfolios.

Money on autopilot

  • Diversifying your investments means you can reduce risk while maximizing rewards. We invest your money across the entire stock market using Exchange Traded Funds (ETFs).
  • We’ll help you choose a risk level you’re comfortable with, then build a custom portfolio based on your financial goals.
    Sounds great, right?

Your money grows passively

Auto-investing with Ndovu helps you with:

  • Investing for the long term
    Our portfolios are designed to invest in low-cost funds that track the market, outperforming stock picking over the long term.
  • Easy access
    Manage your account from anywhere in the world with your devices. 
  • Dividend re-investment
    We’ll instantly put your stock dividends back to work, earning you more. Compound growth!

Sit back, relax & watch your money grow.

Backed by Nobel Prize-winning research

Award-winning research has shown that the most reliable way to grow your money over the long term is through passive investing and tracking the market using a diversified portfolio.
Our approach is to build smart portfolios that make more money & take less risk.

Lean on a team of experts

  • Honest
    Ndovu operates to the highest financial trustworthiness standards.
  • Human
    We have loads of tech. We also have smart caring people who will make sure you understand exactly what our recommendations are.
  • Experienced
    We have over 30 years combined experience in Kenyan, regional and international finance.

We keep your money safe

Your piece of mind is our highest priority.

  • Regulated
    Our operations are overseen by the sector regulators: The Capital Markets Authority and the Institute of Certified Investment and Financial Analysts. 
  • Bank-Level Security
    We use secure servers backed up by physical security. We adhere to security industry standards & have ultra-strict internal policies to ensure the highest level of safety.
  • Everything is encrypted
    We use state-of-the-art data encryption when handling your financial information & two-factor authentication (2FA) protection.
  • Custodian
    Your funds are held separately from our operations in custodial accounts to keep them secure from any eventualities.


  • What is Ndovu?

    Ndovu makes it easy and gives you access to invest in local and global financial markets.  Buy a slice of your favourite international companies, right from the comfort of your home. 

    We recognise investing can be daunting so if you don’t know how to get started, we guide you!

  • How does Ndovu work?

    Ndovu helps you manage your money through guided investing and by providing financial education. We are fiduciary, which means we act in your best interest.

    We’ll ask a bit about you when you sign up. Then, we’ll help you set financial goals and set you up with investment portfolios for each goal.

    For your short to long-term financial needs (ranging from emergencies, retirement, holidays, kids’ education, or down payment), our investment strategy is built on low-cost ETFs (exchange-traded funds) and a risk profile based on how long you plan to invest.

  • Why invest in ETFs?

    Exchange-Traded Funds (ETFs) are popular with investors because they offer access to a ready-made investment portfolio run by experts. You can normally invest from $1000 as a lump sum or $10 per trade and get instant access to a diversified portfolio for a much lower cost than purchasing the individual investments yourself.

  • How do I buy funds?

    You can buy funds online through the Ndovu website.  Please ensure you have read the fund’s Key Features first which are available from the individual fund factsheets on the website.

    Once you’re registered for online access, simply log in and select a new investment. Then choose your investing approach, goal-based investing or general investing.  Follow the instructions and click the ‘Invest Now’ button.  Search for your chosen fund investment and continue to the confirmation page.

    All trades will be placed on a best execution basis.

  • How do I sell my investment?

    Simply log in and select my portfolio. Then choose from goal-based investing or general investing. Then select the fund you wish to sell and click withdraw. Please note once you click withdraw, the full investment amount held in that particular fund will be sold. You can’t sell part of your investment. 

    All trade instructions & payments received by 12noon (EAT) are placed on the same day.* 

    All trade instructions & payments received after 12noon (EAT) will be placed on the following day.*

    *Where the following day is not a weekend or public holiday in the US or Kenya. Please note that all trade instructions are placed on a best execution basis.

  • Is there a charge for withdrawing cash from my Ndovu Account?

    Yes. You can withdraw cash to your nominated bank account at a $2 charge.

  • How are trades placed?

    All trade instructions & payments received by 12noon (EAT) are placed on the same day.* 

    All trade instructions & payments received after 12noon (EAT) will be placed on the following day.*

    *Where the following day is not a weekend or public holiday in the US or Kenya.  Please note that all trade instructions are placed on a best execution basis.

  • What does each stage of the process mean?


    Your trade has been received by Ndovu.  Your purchase will remain pending until your sale has been confirmed by the fund manager.

    Dealt, awaiting confirmation

    Your order has been dealt with.  The fund manager can take up to five days to confirm the details of your completed deal, although in most cases it takes less than 24 hours. 


    When we receive confirmation of your deal your account summary and transaction history will be updated and we will send an email confirmation.

  • How do I know what price I will get when I place a trade?

    The vast majority of funds price each working day at noon. When you place a deal it will be traded at the next available valuation point, typically noon the next working day.  This means that you will not know the exact price that you will buy or sell at when you place the deal.

    You can however view the latest fund price on the portal.  The price will always have a ‘prices as at’ date stamp to show when the price is from. Fund prices are updated overnight and will display the last available price.

  • I want to buy into dips in the fund price, how can I do this?

    Timing fund deals to intraday movements in the markets are notoriously difficult due to their forward pricing nature. One way to smooth entry points and benefit from dollar-cost averaging is to set up a regular investing instruction, whereby we automatically buy a set amount of a particular fund (or funds) each month.

    Please remember that your long-term investment objectives should always take priority over any short-term fluctuations in price.

  • How long do fund orders take to process?

    Once your order has been submitted for dealing the order will be dealt with by the fund manager at the next available valuation point.  Most funds will value daily at noon, but please note this can vary from fund to fund.  Please see the fund factsheet for more information.  Once dealt your order status will update to ‘Dealt, awaiting confirmation. At this point, the order has been dealt with and the price fixed, although the fund manager may take up to five days to confirm the details of your completed deal.  Your account will only be updated once confirmation has been received.  When we receive confirmation of your deal your account summary and transaction history will be updated and we will generate a contract note.

  • Who are the experts behind the scenes?

    Our team of investing experts make decisions about our portfolio strategies and fund selection with the help of industry experts. Our team has a breadth of financial and management experience, having worked at companies such as BlackRock, Deloitte, HSBC, Nairobi Securities Exchange, Old Mutual, APA Life Insurance, and many more.

  • Who holds the money and executes the trades?

    Ndovu partners with regulated custodians in Kenya (licensed by both the Central Bank of Kenya and the Capital Markets Authority) and the United States (licensed by the Office of the Comptroller of the Currency (OCC)). We execute our trades via a major broker-dealer licensed by the US Securities and Exchange Commission.

  • Is my money safe?

    Your money is held in custodial accounts (a financial account where your money is kept safely in a trusted bank, separate from our company’s finances).

    Should anything happen to us, your money is safely kept in the custodial account and the bank remits the money to you.

  • Where does your money sit?
    1. Your Bank/Mobile money account – You can easily transfer from your bank/mobile money account to your Ndovu account. 
    2. Custodian Bank – Your investable cash and securities are held in a custodian bank, for example, KCB, and sit ultimately with them. Ndovu optimises your portfolio by instructing our broker to buy and sell securities on your behalf. We follow a custodian structure, keeping your assets in a separate account.  
    3. Your Assets – The securities in your portfolios are kept entirely separate from the bank’s assets. 
    4. Your Money – Your money is kept entirely separate from Ndovu’s finances and is held in a regulated custodian bank.
  • What is the minimum amount I can start with?

    The minimum amount of money needed to gain access to a portfolio on the Ndovu platform is Ksh1,000 ($10), that’s it.

  • What are the monthly minimum contributions?

    There are NO monthly or quarterly contribution requirements. We, however, encourage you to invest regularly to build up significant value in your portfolio.

  • What happens if I want to close my account or withdraw funds?

    Ndovu clients enjoy complete liquidity. This means clients can remove their funds whenever they would like. There is no lock-up period.

    *processing time is about 3 days in line with industry standards.

  • What investments are available on Ndovu?

    Here at Ndovu, we help make the most of your money, and our experts have put together tailor-made portfolios so that you don’t have to.

    If you are an amateur investor, and you need some help, we select the investments on your behalf through these tailor-made portfolios.  If you are an expert investor, you will be able to buy stocks in specific companies or industries through Exchange Traded Funds (ETFs). 

    Securities available on Ndovu in Kenya and globally are as follows:

    • Government Bonds
    • Unit Trusts
    • Equity ETFs
    • Bond ETFs
    • Commodity ETFs
  • What is an exchange-traded fund (ETF)

    An exchange-traded fund (ETF) is a collection of shares that make it easier to invest in a large number of companies with little risk and maximum reward.

    An exchange-traded fund (ETF) is a security that tracks an index, a commodity, or a basket of assets—just like an index fund—but trades like a stock on an exchange.  We chose each ETF we invest your money in because of liquidity, diversification, and low management fees.

  • Who is eligible to use Ndovu?

    Ndovu currently operates in Kenya and for regulatory reasons cannot accept U.S. citizens.  We, however, welcome other nationalities, subject to the provision of acceptable Know Your Customer (KYC) documentation.  Here is a breakdown of the nationalities we accept.

  • Does Ndovu support accounts for minors?

    We do not offer accounts for minors at the moment.  All customers must be at least 18 years of age to consent to all our agreements.