Christian Mwirigi, Stanbic Bank. [File Courtesy, Standard] In April, the Central Bank of Kenya (CBK) reduced its benchmark lending rate by 75 basis points, bringing it down to 10 per cent. This marked the fifth consecutive cut in its current cycle of monetary easing, a move designed to stimulate economic activity by making credit more accessible and affordable. While this shift presents attractive opportunities for borrowers, it also introduces challenges for savers, as returns on traditional deposit instruments continue to decline. In such a dynamic financial environment, individuals must adapt their strategies to take full advantage of the emerging benefits…