The objective of this study was to examine how different portfolio management strategies have affected the bottom lines of SACCOs in Mombasa County in Kenya. Research was conducted using a descriptive research approach, and the sample included a total 260 Co-operative Societies which are active, in which some provide Front Office Service Activities (FOSAs). Both primary and secondary sources of data were used for this study. Portfolio management strategies were evaluated using primary data, while financial performance was evaluated using secondary data. Findings showed that financial results were considerably impacted by investment strategies that ranged from extremely risk-averse to moderately risky, conservative, and value-oriented. As much as 86% of Saccos' financial performance was attributed to the portfolio management strategies employed by the institutions. Increases in the use of value investing, moderate risk, conservative, and very risk-averse portfolio management strategies all contributed to better financial results for Saccos. The Saccos' bottom lines benefited from prudent portfolio management practices. The study recommends that portfolio management strategies should be adopted by Saccos; this will help in bettering their financial performance in the wake of economic downturn. There should be enactment of proper supportive legislation for portfolio management strategies.
Key words: Portfolio Management, Saccos, Financial Performance, Front office Service Activities