Creating Investments in Bulk

If you’re managing multiple children in KiddyCash — say, three kids in Nairobi with separate savings goals — creating investments one by one adds up quickly. The bulk investment workflow lets you set up several child investments in a single session, saving time while keeping each investment individually configured.

Before diving in, make sure you’ve already gone through creating a single child investment at least once. Bulk creation follows the same underlying logic; it just layers a multi-child selection step on top.

When to use bulk creation

Bulk creation makes the most sense when:

  • You’re onboarding more than one child to investments at the same time
  • You want to apply a consistent investment plan (same fund, same contribution schedule) across your children, with minor per-child variations
  • You’ve just funded your family wallet — perhaps via an M-Pesa deposit — and want to allocate across kids before the month runs away from you

If each child has a highly customised setup, individual creation might actually be faster. But for uniform or near-uniform setups, bulk is the right tool.

Steps

  1. Open the bulk investment flow. Navigate directly to https://kiddy.cash/families/investment/create. If you’re already inside the app, go to Family → Investments → Create Investment and select Add Multiple when prompted.

  2. Select the children to include. You’ll see a list of the children linked to your family profile. Tick every child you want to include in this batch. You can select all with one tap, then deselect any exceptions.

  3. Choose the investment product. Pick the fund or savings product you want to apply. This selection applies to all children in the batch — if different children need different products, split them into separate bulk runs.

  4. Set contribution details. Enter the contribution amount in KES and the frequency (weekly, monthly, etc.). At this stage you’re setting the default for all selected children. You’ll get a chance to override per child in the next step.

  5. Review and adjust per-child settings. KiddyCash presents a summary card for each child. Here you can tweak the contribution amount, start date, or linked wallet individually without breaking out of the bulk flow. This is where bulk creation earns its keep — global defaults, local overrides, one workflow.

  6. Confirm funding sources. Each child’s investment will draw from their individual wallet unless you reassign it here. Make sure each wallet has sufficient balance. If you fund via M-Pesa, top up the relevant wallets before this step to avoid failed contributions on the first cycle.

  7. Submit. Tap Create Investments. KiddyCash processes each investment in sequence and confirms success per child. If one fails (e.g., insufficient wallet balance), the others still go through — you won’t lose the whole batch.

  8. Verify the results. Head to the investments dashboard or follow the guide on how to view a child investment to confirm each investment is active and correctly configured.

A note on allowances and investment rhythm

Pairing investments with a regular allowance schedule is one of the most effective ways to build consistent saving habits. The why allowances matter for modern families piece covers the reasoning, and how allowances work as a family financial tool gets into the mechanics. If you haven’t connected your children’s allowances to their investment contributions yet, that’s a natural next step after bulk setup.