1. Presented by : Francis Kofi Somuah
BA (Psychology)Grad.Dip(Mgmt Stud)
INVESTMENT AND FINANCIAL INTELLIGENCE

2. Two men were each given an egg on the same day.
One of them called kofi consumed outright.
The otherKwame sat down and thought for a while, IN MY HANDS LIES MY FUTURE PROSPERTY.
He decided to take the egg to a hen, which in turn brooded over it till it was hatched.
Within one year, Kwame was able to raise a coop full of chicken and had enough eggs to feed on everyday.
Kofi could only stare at Kwame with envy.
Oba nyansafonaodikosua a obomudompe.
Oba Nyansafo The story of the egg
Francis Kofi Somuah (fksomuah87@hotmail.com)
3. Every little money we earn or receive is a seed which , when properly and wisely utilized, over time, will create the kind of future we are striving to achieve.
Postponing enjoyment today for a better tomorrow.
LESSON FROM THE STORY
Francis Kofi Somuah (fksomuah87@hotmail.com)
4. Francis Kofi Somuah (fksomuah87@hotmail.com)
5. Overview of savings and investments
Investment vehicles available
What we get from investing
Getting money to invest
Mindset of the intelligent investor
Presentation Outline
Francis Kofi Somuah (fksomuah87@hotmail.com)
6. Savings involve putting money asidefor future use.
Ways of saving digging and burying the money
-Under pillows
-Piggy banks or money box
- at the bank etc
Savings are the foundation of capital.
SAVINGS
Francis Kofi Somuah (fksomuah87@hotmail.com)
7. Investment involves putting money away in such a way as to preserve the value of the money (i.e. theprincipal amount), and at the same time earn a return on the amount invested (principal)
Note that an investment should
- Preserve the value of your principal
- Earn a further return beyond preserving
the value of your principal amount invested
This makes investment different from savings, which may not preserve the value of your principal.
INVESTMENTS
Francis Kofi Somuah (fksomuah87@hotmail.com)
8. To earn additional income (dividends, interest, capital appreciation)
To see our money grow
Excitement and fun
And the best of all, beat inflation
WHY DO WE INVEST
Francis Kofi Somuah (fksomuah87@hotmail.com)
9. Invest in financial assets
an asset puts money in your pockets.
The intelligence here is that, when it comes to money, financial instruments work harder than you.
Both short and long term financial assets are available
These are called money and capital markets respectively
WHERE CAN I INVEST (INVESTMENT INSTRUMENT AVAILABLE)
Francis Kofi Somuah (fksomuah87@hotmail.com)
10. Shares of listed companies
Shares of unlisted companies
Bondsof private companies
Bonds issued by government
CAPITAL MARKET INSTRUMENTS
Francis Kofi Somuah (fksomuah87@hotmail.com)
11. Treasury bills
commercial papers
Repos
Certificates of deposits
Bankers acceptanceetc.
MONEY MARKET INSTRUMENTS
Francis Kofi Somuah (fksomuah87@hotmail.com)
12. Currency market (forex market)
Mutual funds equity funds
-money market funds
-balanced funds
-social responsible funds etc
Eg. of mutual funds in Ghana, are FLIC, Epack, CMF,
Horizon funds, etc
OTHER FINANCIAL ASSETS
Francis Kofi Somuah (fksomuah87@hotmail.com)
13. Shares- Dividends and or capital gains
Bonds - Interest or and capital gains
T-bills - Discount rate
WHAT DO WE GET FROM INVESTING INFINANCIAL ASSETS
Francis Kofi Somuah (fksomuah87@hotmail.com)
14. Absolutely yes.
Every body can invest.
It takes as little as 5 cedis to open an investment account.
So you see, you dont have to be a worker or millionaire to invest.
I DONT HAVE MUCH MONEY CAN I INVEST
Francis Kofi Somuah (fksomuah87@hotmail.com)
15. Pay your self first! Your investment should be the first of your expenses
Use forced savings plans. Save and dont spend
Increaseyour means of income
Never say I dont have money to invest, say How can I get money to invest.
WHERE CAN I GET MONEY TO INVEST
Francis Kofi Somuah (fksomuah87@hotmail.com)
16. We keep postponing our investment plans
We dont set investment goals
Fear of losing money
We don't commit ourselves to investment goals we set
WHY DO WE FAIL TO INVEST
Francis Kofi Somuah (fksomuah87@hotmail.com)
17. Set your investment goals
Invest !
Keep learning more about investments and financial assets
And enjoy financial freedom
The time to invest is NOW!!!!!!!!!!!
HAVING HEARD ALL THIS..........
Francis Kofi Somuah (fksomuah87@hotmail.com)
18. Never say I dont have money to invest say how can I get money to invest
No investment can be dangerous. Investment can be risky
Moreover, the risk in investment is if you do not risk, you even risk more.
A risky investment is better than a safe consumption.
How much you invest determines your wealth not how much you earn.
Your pay is the amount you invest not what your employer gives you.
Pay your self first, your investment should be the first of your expenses
Great Intelligent Investment Quotes
Francis Kofi Somuah (fksomuah87@hotmail.com)
19. THANK YOU
Francis Kofi Somuah (fksomuah87@hotmail.com)