Pocket Money Wisdom: A Beginner’s Guide to Financial Freedom – Part 8

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 Investing for Beginners: How to Make Your Money Work for You

By Georgiho De Don 


Most people in Ghana work hard for their money — but very few let their money work for them. That’s why some stay stuck, no matter how much they earn.

The truth is: saving is good, but saving alone won’t make you wealthy. To build wealth, you need to invest.


What Does It Mean to Invest?

Investing simply means putting your money somewhere it can grow, instead of just sitting in your pocket or under your pillow.


When you invest, you’re saying:

👉 “I want my money to give birth to more money.”


Why Investing Is Important

1. Beats inflation – Prices keep rising in Ghana. If you just save, your money loses value.

2. Builds wealth – Even small investments, done consistently, grow big over time.

3. Financial freedom – One day, your money will work harder than you do.


Types of Investments in Ghana (Beginner-Friendly)

Here are practical options you can start with, even on a small income:

1. Treasury Bills (T-Bills) – Low Risk

You lend money to the government for a fixed period.

After maturity, you get your money back plus interest.

Start-up: From GHS 100 at banks or mobile apps.

Good for: Beginners who want safety.


2. Savings & Investment Apps – Low Risk

Apps like Zeepay, EziSavings, and Stanbic FlexSave.

Some offer higher interest than a normal savings account.

Easy to use on your phone.


3. Mutual Funds / Unit Trusts – Medium Risk.

Professionals pool money from many people and invest it in stocks, bonds, etc.

Examples: Databank (MFund), Epack, Stanlib.

Start-up: From GHS 50–100.

Good for: People who want growth but don’t know how to invest themselves.


4. Small Business Investment – Medium to High Risk

Partner with a trusted person selling food, clothing, or transport service.

Example: Give GHS 500 to support a fried rice seller, and share profits monthly.

Risk is higher, but returns can also be higher.


5. Stocks (Shares in Companies) – High Risk, High Reward


You buy part of a company listed on the Ghana Stock Exchange.


Example: MTN Ghana shares.

Start-up: About GHS 100 and above.

Requires patience — not for “quick money” seekers.


Golden Rules of Investing

1. Start small, but start now – Don’t wait for millions. Even GHS 50 can grow.

2. Think long-term – Real investments grow with time, not overnight.

3. Diversify – Don’t put all your money in one place. Spread it.

4. Research before investing – If it sounds “too good to be true,” it probably is.

5. Avoid scams – Be careful with “investment” schemes that promise huge returns in days.


Final Thought 💭 

Investing is not for “rich people only.” It’s for anyone who wants a better tomorrow. Don’t wait until you earn big before you begin.

🤞Remember this: the best time to start investing was yesterday, the next best time is today.


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