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Savings – Kwacha Cost Averaging

Investopedia describes Dollar-cost averaging an investment strategy in which an investor divides up the total amount to be invested across periodic purchases of a target asset in an effort to reduce the impact of volatility on the overall purchase. It is not a strategy that is exclusive to a mutual fund investment but it can


Life Insurance & Zambia

Investopedia describes life insurance as “protection against financial loss that would result from the premature death of an insured. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured. The death benefit is paid by a life insurer in consideration for premium payments made by the insured.”

Financial Jargon Made Simple, Loans, Savings/Investments

Financial Jargon Made Simple – Leveraging

According to Investopedia. Leveraging results from using borrowed capital as a funding source when investing to expand the firm’s asset base and generate returns on risk capital. Leverage is an investment strategy of using borrowed money—specifically, the use of various financial instruments or borrowed capital—to increase the potential return of an investment. Leverage can also

Financial Jargon Made Simple, Loans, Savings/Investments

Financial Jargon Made Simple – Compound Interest

Investopedia defines compound interest as interest calculated on the initial principal, which also includes all of the accumulated interest of previous periods of a deposit or loan. Thought to have originated in 17th century Italy, compound interest can be thought of as “interest on interest,” and will make a sum grow at a faster rate

Financial Jargon Made Simple, Insurance

Financial Jargon Made Simple – Insurance Premium

Investopedia describes insurance premiums as the specified amount of payment required periodically by an insurer to provide coverage under a given insurance plan for a defined period of time. Simply, it is the amount of money that you pay in order for your insurance to remain active. This could be a monthly, quarterly, bi annual

In Profile

In Profile: Maureen Nabulyato

Maureen Nabulyato is a Director and Wealth Consultant at deVere Zambia, a subsidiary of deVere Group, one of the world’s largest Independent Financial Advisory Firms. She has also received 3 Bank of Zambia Governor’s Financial Literacy Awards. She has managed to carve out a success story for herself in a male dominated field, but how



There are plenty of areas within your portfolio in which you can diversify; i.e asset class or currency but why is it so important? Well, I’m an economist by profession and I read somewhere that there are two types of economists. Those who know the future, and those who don’t know they don’t know the

Financial Jargon Made Simple

Financial Jargon Made Simple – Diversification

Investopedia describes diversification as a risk management technique that mixes a wide variety of investments within a portfolio. The rationale behind this technique contends that a portfolio constructed of different kinds of investments will, on average, yield higher returns and pose a lower risk than any individual investment found within the portfolio. In simple terms, diversification is encapsulated (I did say simple terms

In Profile

In Profile: Stella Sata

Stella Sata is Head of Operations at BroadPay, a payments company based in Lusaka Zambia. She’s also 25 years old and has a plethora of accomplishments to her name. She’s a Masters Degree holder, a Mandela Washington Fellow, BOZ Governor’s Award winner and a successful entrepreneur but how did she get here?   Stella started