More than 70% of Kenyans rethinking wealth-building strategies- Report
The report reveals that Kenyans are increasingly viewing bonuses not as mere windfalls.
More than 70 percent of Kenyans anticipate receiving at least two performance bonuses in 2025, with many planning to use the extra income for wealth-building activities such as investing, saving, and acquiring property.
This is according to the 2025 Bonus Sentiment Report by Standard Chartered in collaboration with global insights firm Human8, which highlights a notable financial mindset shift among affluent Kenyans, including full-time employees, self-employed individuals, part-timers, and freelancers.
The report reveals that Kenyans are increasingly viewing bonuses not as mere windfalls but as strategic tools for long-term financial advancement.
This year, 30% of respondents plan to invest their bonuses—prioritizing it over saving, spending, or debt repayment—continuing a trend observed in the previous year.
In the sample findings, one in two respondents plans to invest more in 2025 than they did in 2024.
Property and land dominate investment categories as key investment targets, followed closely by stocks and equities.
"A growing number of consumers now view their bonuses as tools for long-term wealth creation rather than mere windfalls," said Edith Chumba, Head of Wealth and Retail Banking at Standard Chartered.
"Kenyans are showing strong financial resilience, with a conscious shift toward investing, saving, and building wealth. Our affluent clients seek more than just returns—they’re looking for clarity amid market volatility, access to global opportunities, and a trusted partner who understands both local nuances and the broader international landscape."
"These survey insights are invaluable," added Joyce Kibe, Standard Chartered Kenya and Africa Head of Corporate Affairs, Brand, and Marketing.
"Understanding how affluent Kenyans intend to utilize their bonuses enables us to tailor solutions that align with their ambitions."
The 2025 report also underscores a growing sophistication in investment behavior.
While land and savings remain central, Kenyans are increasingly embracing diversified and globally informed strategies, signaling rising financial literacy and a more mature investor mindset.
As bonus season rolls in, emerging data indicates that Kenyan professionals are embracing a new chapter of disciplined financial growth, fueled by clear purpose, thoughtful prudence, and a growing focus on long-term prosperity.