Financial planning and investing, centered around you

We took our 30+ years of investing experience across major global markets, added in our own personal investing experience (aka mistakes), to re-imagine how to make investing easy, fun and accessible to ambitious Africans

Valentine Njoroge Co-Founder & CEOAfrica's Pocket Pattern
Africa's Pocket PatternMoses Richu Co-Founder & COO
WORLD-CLASS EXPERTS
WORLD-CLASS EXPERTS

How it all started

How we started

We started out with a financial literacy course and we've since grown into a fully fledged wealth management platform.

Education is our heart and technology is our fuel

How we started

We are building a wealth management platform you can consult before making any financial decision.

How we started

And, which gradually teaches you how to think about those decisions, until you can confidently make them yourself.

How we started

And then, we want to give you the tools to execute on the decisions yourself, easily, conveniently, and securely, so you can build the life you want and build generational wealth.

OUR MISSION

We're on a mission to transform the lives of 2M ambitious Africans, and while we're at it, create 10,000 African Millionaires

Meet the Founders

Valentine Njoroge Co-Founder & CEO
Valentine Njoroge
Co-Founder & CEO

Valentine is 2x fintech founder, with experience in wealth management, venture capital and strategy. She's an investment professional and entrepreneur, with a business and economics education from Philadelphia’s Drexel University and an MBA from Oxford University (Saïd Business School).

Moses Riche Co-Founder & COO
Moses Richu
Co-Founder & COO

Moses has experience in wealth management and strategy from half a decade of working at McKinsey & Co, where he led teams serving the top 10 banks globally.  He's also has experience in family business, with a business and psychology education from University of British Columbia and an MBA from London Business School.

FOUNDER STORY

How goal-based investing changed my investing journey for the better

Founder Story

When I started my career in Finance 12 years ago, I was confident in all my knowledge - I saw myself as an ‘investor’ - someone who took risks and ‘went for it’. The result was 3 years of random, opportunistic investments that led me no where. This changed when I got a clear goal - pay for a top-tier MBA.  This was going to cost me a pretty penny, so I took a look at all my investments. I had invested in VERY interesting things -  A cricket farm, a lending start up, a peanut butter business, ubers, fish farming - so OF COURSE I was going to be okay, right? WRONG! (buy me a coffee, I’ll tell you these stories!)

I was totally shocked when I discovered that despite investing in all these things that had promises of 5X, 20% return and other nice sounding things like that, my total portfolio return was a measly 8% p.a. - barely beating inflation. Why? I had no strategy, I had no performance management approach and honestly, I had no destination - so it didn’t really matter where I ended up.  Having a goal changed this. It gave me a destination, a timeline and focus.

Since then, I’ve adopted a goal-based investing approach to get me moving. In a matter of 5 years, I’ve transformed my finances. I paid for that MBA, then went on to start a business, build a 3 year nest egg, built warehouses that bring me passive income and have had the financial security to build a lifestyle that I love.

This goal-based approach is the foundation for all we do at Africa's Pocket. It's at the heart of our courses on budgeting, saving & investing and it's at the heart of our investment platform.

Our values drive our business

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We invest in each other

Our success is a function of our team. We teach each other practice patience and cheer each other on. At AP, learning never stops!

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We are principled

We want to always be proud of what we do and how we do it. Proud enough to tell our mums and grandmas 😉

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We are slightly rebellious

We wanna do dope, audacious things for Africa. Our ambition may be faced with skeptics, but we go for it anyway 💪🏾

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We are customer obsessed

We are entrepreneurs at heart and our customers give us direction. We embrace creative, feedback driven problem-solving and going out of our way to make life easier for our customers.

Making a difference in our community

20 years

Average length of financial plans

Our clients are thinking long-term

5,975+

Goals in progress

Goals in progress

Our clients are building businesses, buying homes and securing financial freedom for their families

85%

Deposits come from repeat investors

Our clients are investing consistently

Your financial journey starts here. Take the first step toward a wealthier future today.

Start your journey today! 👇🏾