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Financewise

Financial education for children

As our children resume the new school year, let us ensure they get a full education. Attention is given to academic, spiritual, moral and even cultural education, but most parents ignore financial education. It is important to teach and…

Back-to-school financing

With September comes the beginning of a new academic session; one of the most financially tasking times for parents of school-aged children. Parents have to pay for tuition, textbooks,uniforms and accessories, stationery and supplies. The…

Overcoming bad financial habits

Some people find it almost impossible to achieve their financial goals. We are unable to save regularly, talk less of building an investment portfolio commensurate to our earnings. We shift blame and complain that our salary is not enough,…

Personal budgets

This week, we will go back to the basics, budgeting and planning, because we cannot achieve the financial future we desire if we do not have the basics right. A personal budget is an essential tool for managing our incomes, controlling our…

Principles of Finance

There are six basic principles of finance – risk and return; time value of money; cash flow, profitability and liquidity; diversity and hedging principles. These principles are applicable both at the corporate finance and personal finance…

Attracting private equity

LAST week we discussed private equity investments in the well-managed, profitable SMEs in our communities. This generated questions from SME owners who wanted to know how to prepare their businesses for private equity investors. This column…

Private equity investing

One of the most profitable ways of investing and generating an additional stream of income is through private equity. Its return on investment far outstrips returns from money or stock market assets. There are established private equity…

Portfolio management

PROFESSIONAL wealth managers use complex algorithms and regression analyses to determine the optimum way to manage their clients’ investment portfolios. The purpose for this is to ensure that each client’s investment objectives are met by…