Personal Investment Principles

1. MAKING MONEY THROUGH
INVESTMENT

2. INVESTMENT
•Investment is putting money into something with
the expectation of a gain. Or in simple terms 'the
use of money with the hope of getting more
money'
•The Bible supports investment Matthew 25:14- 30
(Parable of the Three Servants)
•The government also supports Investment -
Legislation on compulsory contribution by workers
towards pension - SSNIT

3. ENTREPRENEURS PAY THEMSELVES
•Pay yourself first
•A part of all I earn is mine
•A part of all I earn is mine to keep
•That is savings/investment
•The Principle:
•Don’t let your savings adjust to your
spending needs. Let your spending adjust to
your savings needs.

4. •WHY SHOULD WE INVEST
1. Unexpected cut in the support line
2. Save money to take advantage of sudden opportunities
3. Saving money for the future – marriage, children, old
age.
4. To meet unexpected expenditure in life, ‘family
security‘, the day of adversity.
5. Can provide a needed startup capital for a business.
('Little drops of water make a mighty ocean'.
6. Making your money work for you. i.e. earn an interest.

5. INVESTMENT OPPORTUNITIES
•FINANCIAL INSTRUMENTS
•LAND AND LANDED PROPERTY
•EDUCATION AND KNOWLEDGE
•SERVICES AND SUPPORT
•ENTERTAINMENT
•TECHNOLOGY –
•AGRICULTURE – ANIMAL AND PLANT

6. FINANCIAL INVESTMENT INSTRUMENTS
•Savings Account
•Fixed Deposit Account
•Government Papers - Treasury Bills
•Shares/Stocks/Bonds
•Mutual funds
•Hard Currency – foreign exchange

7. •TREASURY BILLS
•- Risk free
- Issued by the Government
- Certain Returns - Fixed interest rate
- Fixed maturity period
- You can start with as low as GHS 50
- Types - interest rates today 17 Nov 2016
91 days T-Bill – 13%
182 days T-Bill – 13.7%
1 year - 17.0%
2 years - 17 7%

8. •A MILLIONAIRE IN 30
•¢2/day for 30 years @16.7% p a =GH¢628,671
•¢4/day for 30 years @16.7% p a =GH¢1,257,341
•¢5/day for 30 years @16.7% p a =GH¢1,571,677
•¢10/day for 30 years @16.7% p a=GH¢3,143,354

9. •BUILD A SAVINGS HABBIT
•FORM A SAVINGS CLUB and
CHALLENGE EACH OTHER ON
SAVINGS
•Recommendation – Start saving now
with Credit Union
•Start a wing of CCC Credit Union –

10. ETHICS OF SUCCESSFUL BUSINESS MEN
1. Wake Up Early
2. Hard Work - Billionaires work hard. They
work harder than everyone else but still
enjoy life. In fact, they're known for their
insane work ethic. Philip 4:13
3. Focus with Direction
4. Keep things simple.
5. Leave things better than you found them.

11. CONCLUSION - THE GOD FACTOR
•The source of blessing is God – James 1:17 Psalm 33:12
•Deuteronomy 8:18
•IT HAS ALWAYS BEEN GODS DESIRE TO BLESS HIS
PEOPLE
Prov 28:20 A faithful man will be richly blessed