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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

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, Savings/Investments

Guest Article: Village Banking and Cilimba Groups

Village Banking and Cilimba groups are Rotating Savings and Credit Associations (ROSCAs) which are groups as old as time. They are informal groups where individuals, who are usually friends, colleagues or family come together and decide to save, lend or invest money together. Village Banking Vs Cilimba Similarities: • Both Village banking and Cilimbas are

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



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