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Investing
Investing is the process of laying out money now to receive more money in the future according to Warren Buffet.

The goal of investing is to put your money to work in one or more types of investment vehicles in the hopes of growing your money over time.



Law of Accumulation
Investment is about working smarter not harder. It is a way to set aside money while you are busy with life and have that money work for you so that you can fully reap the rewards of your labour in the future and have a happy ending instead of sliding to what is called secondary poverty in your old age.
How many of you have calculated and invested towards your retirement?
There are different ways to invest and each has its advantages and disadvantages, understanding how each works is critical to success.



The Law of Compounding
Compounding is the process of generating more returns on an asset’s reinvested earnings.
Compound interest can help your initial investment grow exponentially; it is especially beneficially to younger people who start early.
A friend invested in Apple stock in the US with $10,000 in 1980, by 2017, she has $2,709,248, this is 16.75% annual return including the re-investment of all dividend Stocks.
Apple started paying dividends in 2012 but even if the dividends hadn’t been re-invested the balance would have been $ 2,247,949:00.



Start Early:
A 25year old who wishes to have or accumulated 50million by age 60 would need to invest less than a 50year old who needs to accumulate 50million by 60.
25 years old will do 1.4285,571 yearly for 35 years to achieve it, 50 year old will do 5million yearly.



Know Yourself

  1.  No one investing strategy fits all know yourself
  2. what are your objectives
  3. know why you are investing and the end results you want
  4. know your risk tolerance and time horizon as part of your goal setting process
  5. your investment decisions should be based on your comfort level and your willingness to devote time to researching your choices
  6. Understand what you do and don’t know.



Portfolios Diversification

Have an investment portfolio, i.e. a collection of investments. This is to help you achieve your goals and also to provide a certain degree of diversification so that you are not putting all your eggs in one basket.

       It could be stocks, bonds, treasury bills, real estate, Agricultural business and also partnerships, etc.

Former HMS of Agric. & president of ADB, Dr. Adesina said “By 2030, the size of the Food & Agric. business in Africa will reach $1 Trillion. So if you are thinking of how to make money, that’s the sector to be in.

In conclusion, investing is not one size fits all. Different strategies work for different investors and different situations. You can employ more than one strategy, or choose a variety of investment vehicles depending on your goals.


Have A Plan And Strategy

    You must have a plan and a destination in mind before investing your money.
  1. Your goals –whether planning for retirement, buying a home, going into business
  2. Dictate your time horizon which dictates your tolerance for risk.
Additionally, you want to make sure you diversify your investments so that some do well when others might not.
Your journey is just beginning; however, your challenge is to keep learning and stay informed