Figuring out where to put your money as a first-time investor can be overwhelming. Especially in a developing market like Ghana, where the options are diverse and plenty, investing can be complicated. Maybe you have been saving for a while and want to grow your money, but you don’t know where to start. Or perhaps, you want to diversify your business funds and are looking for an investment company in Ghana to “buy shares” or “invest in real estate.” But, if the whole thing feels a bit confusing, we are here for you.
Ghana has some incredible investment opportunities that are beginner-friendly and can help you build long-term wealth. So, without further ado, let’s understand those options.
#1 Treasury Bills (T-Bills)
If you are just testing the waters, treasury bills are one of the safest investments you can make in Ghana. Issued by the Government of Ghana, T-Bills are short-term loans (91-day, 182-day, or 364-day) you give to the government in exchange for interest. You can think of it as lending the government money and getting it back with a little extra cash. You can select this because it’s less risky, fairly flexible, and perfect for cautious first-timers who don’t want to lose sleep over their money.
#2 Mutual Funds
Don’t want to stress over market research and stock picking? Don’t worry. Mutual funds are managed by financial experts who pool money from multiple investors to buy a mix of assets like stocks, bonds, and other instruments.
In Ghana, firms like Databank and Stanbic offer mutual funds with different risk levels, and you can start with as little as GHS 50. So, we would say it’s a solid way to get into investing without being an expert.
#3 Real Estate
We call this the long-term wealth builder. Properties in Ghana, especially in growing areas like East Legon Hills, Oyarifa, or even parts of Kumasi, are a profitable investment. While it’s true that real estate requires a bigger upfront investment, it’s a tangible asset that usually appreciates over time.
However, if buying land or a house feels like too big a step right now, you can also consider real estate investment groups or trusts, which allow you to co-invest with others.
#4 Agribusiness
With agribusiness, you can invest in what feeds the nation. Ghana is an agricultural country, and there’s a growing interest in agri-based investment platforms because they allow you to invest in farms or crops and get a return after harvest.
The share of value added to Ghana’s GDP by the agriculture, forestry, and fishing sectors has increased by 1.6 percentage points (+8.2%) in 2023. In fact, with 21.1%, the share has thereby reached its highest value in the observed period. As you can see, statistically, the growth rate is high too, so you can look out for reputed agri-tech firms with transparent terms if you want attractive returns.
#5 Ghana’s Stock Exchange
If you are ready to take on a bit more risk for potentially higher rewards, investing in the Ghana Stock Exchange is worth exploring. Companies like MTN Ghana and CAL Bank have made decent returns for shareholders over time. It helps to learn the basics or speak to a licensed broker before diving in. Start small and grow as you learn.
Conclusion
Every smart investor starts somewhere, and the key is to start now with a professional investment company in Ghana. Begin with what you understand, diversify when you can, and always invest what you can afford to part with. Ghana’s economy is full of potential, and with a little patience and strategy, you will be glad you got in early.
