This presentation is about creating wealth through investments. It provides financial intelligence on how to maximise wealth by making your money work for you. It teaches you on how to leave the rat race of living on paycheck to paycheck. It takes you through the general principles of wealth creation.

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 other Kwame 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 aside for 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. the principal 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 Bonds of 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 acceptance etc. 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 IN FINANCIAL 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 don’t 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 don’t spend Increase your means of income Never say I don’t 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 don’t 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 don’t 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)