Strategies
Our risk-managed strategies are built to identify and neutralise threats before they become losses — not after.
Methodology
The most effective protection begins with an honest accounting of everything that could go wrong.
Betabnova's strategic methodology inverts the conventional wealth management sequence. Rather than leading with return objectives, we start by cataloguing every risk factor threatening the capital you wish to protect. This means examining market correlation across your assets, assessing currency and inflation trajectories within the Kenyan economy, stress-testing liquidity under adverse scenarios, and mapping legal or succession vulnerabilities you may not have considered. The output is a risk register — a clear, prioritised document that becomes the foundation of every subsequent structural recommendation. We do not prescribe generic portfolios; we engineer bespoke protection layers calibrated to your specific exposure profile.
Each discipline below addresses a distinct category of capital risk, and they are designed to function as an integrated protection system when combined.
A comprehensive audit of your current asset base, covering market risk, liquidity risk, concentration risk, and liability exposure. We use a structured scoring model drawn from international risk-management standards and adapted for the Kenyan regulatory context. The audit concludes with a written risk register and a prioritised action roadmap — both documents the client retains as a standing reference.
We design and arrange insurance-linked structures — including life assurance wrappers, annuity-based capital shields, and policy-wrapped investment accounts — that place a legally recognised protective layer around specified assets. These products are selected from regulated Kenyan insurers meeting our due-diligence criteria and are reviewed annually against your evolving profile.
From family trusts administered under Kenyan trust law to company-level holding arrangements and cross-border asset separation, we design structures that ensure personal wealth is insulated from business risk. Each structure is stress-tested against creditor scenarios, divorce or succession events, and regulatory changes before we recommend it.
Capital protection is not a one-time transaction. Our retainer-based advisory service provides quarterly reviews of your protection structures, proactive monitoring of CMA regulatory changes that may affect your arrangements, and annual stress-testing to ensure your risk register remains current as markets and personal circumstances evolve.
Straight answers to questions our prospective clients ask most frequently.
Investment management focuses on generating returns; capital protection focuses on preventing permanent loss of wealth. We do not manage or trade your assets — we design the structural and legal framework around them so that market downturns, legal disputes, or succession events cannot destroy what you have accumulated. The two disciplines complement each other.
We work with most major asset classes: listed equities and bonds, real estate and land titles, business equity and goodwill, life assurance policies, and cash or money-market reserves. Agricultural land holdings — common among Eldoret families — present specific considerations around title structure and succession that we address as part of our standard engagement.
We do not guarantee financial returns or legal outcomes, and any firm that does should be treated with caution. What we commit to is a rigorous, documented process: your risk register will accurately reflect your exposure, your chosen structures will be legally sound under Kenyan law, and your protection arrangements will be reviewed and updated at the agreed intervals. External events — market crashes, regulatory changes, litigation — remain beyond our control.
Our services are most relevant for clients with a minimum of KSh 5 million in assets they wish to protect. Below this threshold, the structural overhead typically outweighs the benefit. We are happy to discuss your situation in an initial consultation and advise honestly whether a formal engagement is appropriate at this stage.
A straightforward insurance-wrapper arrangement can be documented and activated within four to six weeks. Complex multi-tier holding structures, particularly those involving cross-border elements or trust formation, typically require three to five months from initial engagement to final execution. We set clear milestones at the outset so you always know where the process stands.
“Betabnova reviewed our company's entire financial structure in late 2023 and identified three concentrations of risk we had not recognised internally. They designed a holding arrangement and an insurance wrapper that took four months to implement. When one of our key contracts was disputed in early 2024, our personal assets were completely ring-fenced from the litigation — exactly as they had designed.”
— Wanjiku Njoroge, Director, Agriprocessing Firm, Eldoret
A confidential, no-obligation initial assessment will reveal the specific threats to your capital and the structures best placed to address them.