Build a Legacy, Touch Freedom

We are living in a golden age of OPPORTUNITY in South Africa!

Property and Real Estate investments have never been more accessible to the general public than today! It is your time to claim this Right! To do this, you need the knowledge and skills. You need to get this book before you get started on the journey of Property Investment! It is the definitive guide to  investing in Property in South Africa.

Have you ever thought of earning passive income through property? Or building a property portfolio to create wealth? It always sounds hard, intimidating and complex to say the least! You think that this is for the chosen few and you cannot do it on your own. This is a book that will change all that!

In this revolutionary, practical and easy-to-read book, Dr Chomba Chuma guides you through manageable steps on investing in property and building a portfolio. The idea behind the book is to build up passive income using a sustainable wealth to be left for future generations, thereby allowing the reader to leave a legacy that outlives them and benefits not only their children and grandchildren, but their future generations.

Author | Entrepreneur | Business Leader

The outline is based on six steps that the reader can follow to build their property portfolio. 

  1. Step 1 – The Property Investment Strategy
  2. Step 2 – Entity of Ownership
  3. Step 3 – Property Presentation
  4. Step 4 – Property/Mortgage Finance
  5. Step 5 – Property Registration
  6. Step 6 – Rental Management of the property.

This guide is incredibly insightful and makes property investment seem so much more approachable, even for the novice.

One on one with Billionaire and Kenyan media magnate

Dinner and a long chat with Mr. SK Macharia was a monumental eye opener, inspiration and business stimulation like no other. SK, as he’s popularly known, currently owns the largest TV station in Kenya and over 14 radio channels in East Africa. With interests in Agriculture, Transport, Insurance, Real Estate and other industries, this billionaire[1] is humble, approachable and welcoming.

Likening him to Rupert Murdoch is no coincidence; his insights are simple, yet powerful and motivating. He is truly encouraging, fascinating and remarkable human being who has achieved more than most people would ever dream of.

Determination, resilience, tenacity and to a larger extent his spirit makes him the Billionaire he is today. Those who don’t know him might learn from the lessons I took away after a lengthy discussion.

Fear of Failure

He reckons that most people don’t achieve their success because of the perceived fear of failure. As a matter of fact, he encourages that you fail MANY times. That is the only way to learn, endure and achieve your goals.

The setting of goals and determination to achieve them is one way of mitigating failure. Mr. Macharia reckons that with goals in place, “there is nothing that you cannot achieve in life”.

On the lighter side, he recommends laughing at one self and laughing at failure. As a highly successful businessman, he has failed numerous times and at every instance, he looks back and laughs at what would ordinarily be devastating failure to most people.


He is soon to release an autobiography of his life which he will recount his childhood, trip to America, business ventures, politics and other areas of interest in his life.

A point of note is how he took a trip to Seattle, United States on road, rail and ship with only Kshs 1,800 (Approx. $20) – Which is probably ($250) factoring inflation; how he crossed the Sahara desert and stood the sandstorms in Beghazi, Libya.

In the US, he struggled from school to school, working long hours to fund his education, sleeping in the streets and determined to complete his Accounting degree; which he did and returned back to Kenya.

Back home, he was determined to apply his learnings and carve out a business empire in a country that was emerging from colonialism. He would then come face to face with the brutal reality of a single party democracy that threatened and re-possessed his multi-billion shilling businesses that had taken a life-time to build. That said, he was not bitter, laughed it off and soldiered on!

This is a book not to be missed and would bury myself into the determination and excellence of such an incredible being.

Parenting and Success

Mr. Macharia is very critical of how the youth have become obsessed with easy money; instant gratification. His take on easy money is as old as hills and retaliates that Easy money becomes Easy Spend!

The success of the youth will be carried by the youth, and highlights that parents should assist children to discover their talents while still young. This will help them discover what the right careers are for them and even more important is that they will play their strengths, not their weaknesses.

All said, SK is a role model, mentor, and a great Kenyan who has contributed immensely to Kenya and its people!


Meeting Steve Wozniak – Apple co-founder

I am sometimes honored to meet interesting and amazing people. In this circumstance, I must have met one of my business idols and undoubtedly the brains behind Apple – Steve Wozniak!. His insights into business and technology are amazing.

If you doubt how amazing his legacy is, let’s look at the numbers first.

Apple Inc. is currently (and the last 2 years[i]) the most valuable company in the world by market capitalization; commanding more than $413b. This is more than Exxon Mobil, Petro China, Wal-Mart and other huge multinationals in various sectors.

Steve Wozniak happens to have been there right at the start of Apple Inc.

Together with Steve Jobs and Ronald Wayne, they started the company in 1976 with the sole goal of selling Apple I personal computer kit, a computer single-handedly designed by Steve Wozniak! [ii] Apple went to incorporate on 3rd January, 1977 without Ronald Wayne who sold his share of the company to Steve Jobs and Steve Wozniak.

There was incredible growth in the company initially with revenue doubling every four months within the first five years of operation.

Steve Wozniak gave incredible insights into how it all started and was amazed by how humbly he has remained despite the contribution and drive he has put in a company that has revolutionalised the world!.

A number of take away messages after meeting Steve Wozniak:steve-wozniac-apple inc

  1. Technology is all around us – We just have to keep an open mind, curious eye and a yearning to learn.
  2. You need a team behind every success – No one can do it alone. The combination of Steve Wozniak and Steve Jobs undoubtedly produced what Apple is today.
  3. Passion is a key ingredient of Success – With passion for what you are doing, it becomes easy to go through the challenges and tribulations of business and personal lives.




MD of Vitabiotics and chair of KEDASA

 By KC Rottok | wednesday, 07 march 2012 16:02


“Given the challenges you face as an entrepreneur, I think it is equally important to sharpen your emotional IQ as you would with business expertise!”


I was first introduced to the name Dr. Chomba Chuma when it appeared in my inbox in 2007 inviting me to a presentation on South African property. A few days later I joined a small group that had come to listen to the owner of Mumbi Properties explain how to use trusts to create a property portfolio.


“I named the company Mumbi after my late sister,” he informed me when we met recently.

“I got the idea of forming the company when I had acquired my fourth property in the country and needed a vehicle to manage them. I figured that as my portfolio grew so would the company. Unfortunately we hit a rough patch when the recession hit in 2008 but things are slowly getting back on track.”

 Chomba was drawn to property investment because it allowed him to develop the passive income the industry promised by way of rentals and capital growth. The bulk of his time is taken up by his position as the Managing Director of Vitabiotics South Africa, a company he co-owns following a decision to venture into the business world after a career as a medical doctor.


“I ended up as a doctor due to the Kenyan education system,” he explained with a slight frown. “When I got good grades the system kind of dictated that I pursue either pharmacy or medicine. I pursued the latter at Moi University and on completion of my studies and internship I joined the Swiss pharmaceutical giant Roche. Six months later they posted me to Johannesburg as the medical director for Sub Saharan Africa.”


Chuma believes that moving with his wife Rispah whom he met in medical school made the transition less difficult. He worked for two years at the company before joining Sanofi Aventis as a national sales manager for a blood thinner. While at Sanofi, he established his own company called Lighthouse Pharma selling supplements through Dischem and independent courier pharmacies.


“In 2006, after a year at Sanofi, I felt that my company was doing well enough for me to take a leap of faith and run it on a full time basis,” he recalled, this time with a smile. “We were able to get more products into the Dischem chain of pharmacies and in 2008 we decided to make our company bigger by selling a majority stake to our suppliers Vitabiotics UK.”


When asked whether the move to full time business was easy, his frown returned as he explained with an air of seriousness what the trying times have taught him.

“I think one should go to a school of psychology rather than a business college when contemplating becoming an entrepreneur,” he advised. “I did a business diploma and later pursued an MBA which I thought would equip me for the challenges ahead. Well, that doesn’t prepare you mentally to be tough when sales are slow and you have to pay salaries.”


The biggest challenge that Vitabiotics faced was that of distribution. Chomba revealed that to get a product like Immunace to a place like Upington by courier costs more than the product itself. Hence it was a big break for the company when their products were approved for distribution through Clicks which has about 400 stores and 280 pharmacies nationally.

“That was a new beginning for us,” he beamed.


And speaking of new beginnings, I asked Chomba about a new association he has been at the forefront of founding known as the Kenyan Diaspora Association of South Africa (KEDASA).

“We had a meeting in May to form the association as an umbrella body for the many different Kenyan groups that exist in South Africa. The inaugural office bearers are drawn from these groups and so far we have presented our views to President Mwai Kibaki in Pretoria, hosted the Commission for the Implementation of the Constitution (CIC) and I represented the association at the meeting of Kenyan Ambassadors held in Mombasa.”


At the time of the interview, the association was also working on a plan to mobilise assistance for Kenyans who have been affected by the ongoing drought in East Africa.


“The association has a draft constitution largely borrowed from a similar association for Kenyans in Holland,” Chomba explained continued. “It will guide the membership and leadership structure as well as establish a continuous process for raising funds to make it self-sufficient. It is important that the organisation unlike the many that came before it outlives its interim office bearers.”


Conscious of the many organisations that have previously represented Kenyans in SA, I ask Chomba what makes KEDASA different.

“Being an umbrella body means that we essentially have corporate members including a number of churches, Prokey, KESABA, student bodies, KEFA and the Upendo Women’s Investments Group. Our approach is different seeing as we are not competing with these organisations but rather inviting them to participate in a collaborative effort. If you consider the success of the CIC meeting, belonging to an umbrella body facilitates communication as the different bodies bring in their members for each project.”


Chomba is a 36 year old father of two; daughter Lerato and son Tsepo. His plan is to establish a few companies in SA over the next decade that can run themselves without his involvement then return to Kenya to participate in national development.

 Article available online –


Vitamin Boost – Entrepreneur

BY XOLILE BHENGU, APRIL 02 2012, 10:56

Vitabiotics SA MD Chomba Chuma doesn’t regret switching careers from medical doctor to businessman. While working for a multinational pharmaceutical company, the Kenya-born doctor saw an opportunity in the SA market to start a company supplying complementary medicines.

“I started up with my own capital, buying Vitabiotics products from the UK and selling them in SA.” Chuma then formed a joint venture with Vitabiotics UK with capitalization of £100,000.

“It was simple but not easy. I made a solid case for SA and Africa as a market but the perceptions about Africa always weigh down on business decisions. However, after the first year and with excellent results it became easier,” he says. “Complementary medicines are huge in Kenya and Nigeria, where the market covers a wider group of products including herbs, homeopathy and traditional preparations.

However, Vitabiotics is in the vitamin & mineral supplements market, which is more scientifically refined.” He hopes the industry will eventually be regulated in the way that scheduled medicines are. Vitabiotics UK owns 80% of the SA business, which employs 13 staff and distributes more than 50 products through Clicks.

Chuma expects turnover of R15m for 2010 and is aiming for a bigger slice of the estimated R3bn market. “People usually base their affinity on either their knowledge of the company or the product; we want to see if we can combine the two.”

This article can be accessed from—chomba-chuma