Though it’s all investment-grade, this fund takes on slightly more credit risk than Vanguard Wellington, allocating around 30% of the sleeve to BBB issues versus 16% in its sibling fund.

Their journey has been a testament to grit, tactical discipline, and, crucially, defensive solidity. At the heart of this rearguard action has been 22-year-old Hamza. Since joining Wekundu wa Msimbazi ...