Affordable & Responsible Financial Solutions
Empowering Government Employees with Affordable & Transparent Loans with Quick approvals, fair terms, and flexible repayment tailored for public servants.
120+
2025
Why Choose Keldy Capital Ltd?
You’ll Know What
Our Loan Products
Designed to meet your personal, business, and group financial needs.
Choosing The Right
Financial Planning Team
Kelvin Gitonga
CEO & Director
With over 12 years of experience in financial services and strategic leadership, the CEO provides overall direction and oversight for KELDY Capital Investment Ltd. He brings strong expertise in credit management, financial planning, and operational efficiency, ensuring the company delivers responsible, transparent, and client-focused financial solutions tailored to government employees.
Judy Mumbe
Director
With over 10 years’ experience in insurance and finance, she excels in aligning risk management, profitability, and regulatory compliance and running a insurance agency company
Victor Kilonzo
Chairman
The Chairman brings extensive experience in governance, business leadership, and strategic advisory within the financial and corporate sectors. With a strong focus on accountability, ethical practices, and long-term sustainability, he provides oversight and guidance that strengthens KELDY Capital’s commitment to integrity, compliance, and sustainable growth.
Registered Investment Advisor
We help you achieve your vision and cultivate confidence and peace of mind across your financial journey.
client feedback Testimonials
Financial Planing FAQ’s
Common questions on financial planning and investing
What should a financial plan include?
A solid financial plan ought to cover a thorough look at your personal goals and aspirations, alongside an evaluation of your investment holdings. It should map out your expected income and expenses both before and after retirement, weigh the pros and cons of different retirement and investment account options, and outline strategies for retirement preparation, tax efficiency, charitable contributions, and safeguarding your assets through insurance.
On top of that, it should offer clear, actionable advice and steps to turn your goals into reality. To guide you toward the best decisions, a good plan will also lay out a variety of potential scenarios—plus some alternative ones—for you to consider.
Can you help me plan for retirement?
Retirement age varies widely from person to person. The big question is whether you’ve got enough saved up to support the lifestyle you’re aiming for, especially since retirement could stretch on for 30 years or longer. Your income during those years will likely come from a mix of sources: retirement accounts and savings, a pension if you have one, brokerage accounts, Social Security payments, annuity income if you’ve set that up, and any other investments you’ve built over time.
What is your investment philosophy?
At Keldy Capital LtdWe base our investment approach on evidence and decades of market history, not guesswork about the future. Research shows market timing doesn’t work. Instead, we focus on what you can control: risk, asset allocation, costs, and taxes. Emotional decisions often hurt long-term returns, so we aim to avoid those pitfalls.
Diversification lowers risk—not just by holding many assets, but by mixing company sizes, sectors, and balancing stocks and bonds. Risk can’t be erased, but it can be managed.
We keep expenses low with cost-effective mutual funds and ETFs, since high fees can erode even a well-diversified portfolio’s gains.
Taxes matter too. While unavoidable, they can be minimized with a smart, tax-aware strategy.
Will I have a dedicated advisor?
Absolutely, you’ll have your own personal advisor. At Keldy Capital Ltd, we’re all about building a strong, one-on-one connection between you and your advisor. We know everyone’s financial path is different, so we pair every client with a dedicated advisor who’s focused on getting to know you and helping you reach your unique financial goals.