There has been an increase in the use of robots not only in the engineering world but also in finance, particularly in the area of trading. Automated trading for example refers to the use of a computer program or software to create orders and automatically submit them to a market center or exchange.  Automated trading …

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The subject of micro-financing is very complex, particularly when looking at the African context. On one end, we have seen how impact-investing and micro-financing has captured the world’s attention. In fact, microfinance has emerged from the periphery of finance, offering hope for financial inclusion and poverty alleviation in most emerging nations. Governments have also come …

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Most individuals and households tend to delay or avoid taking out life policies simply because discussions on life cover tend to revolve around the topic of death.  Further, certain groups in society may also be uncomfortable discussing about death and may not even see the need to have a life policy. In my view, this …

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One of the most striking things that I experienced when I first visited the United States of America (USA) was the high levels of financial literacy amongst ordinary citizens. I landed at the JF Kennedy International Airport in New York and met with Rob, a Black American taxi-driver, who drove me from the airport to …

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Diversification is one of the most important aspects when it comes minimizing risk within an investment portfolio. The rationale is that a portfolio constructed of different kinds of investments poses a lower risk than any individual investment within the portfolio. Diversification therefore helps to mitigate the unpredictability and volatility of markets for investors. By increasing …

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A common feature when one looks into how households allocate their income on a monthly basis is that a significantly large proportion of household income is being directed towards motor vehicle expenses. This is partly due to high car maintenance costs, insurance, parking, petrol, and licensing expenses. Ideally, a healthy budget should allocate about 35% …

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“Only when the tide goes out do you discover who’s been swimming naked”. This is one of Warren Buffet’s quotes that speak to stock market investors. Generally, when there is a bull-run or markets are going up, no one really sees any problems in a particular investment portfolio. However, when the markets fall, portfolios with …

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The Africa frontier equity market space has largely been dominated by institutional investors with very minimal participation from retail investors. Over the past 10 years or so, we have witnessed the emergence of Africa-focused Funds across the globe – set up to achieve long-term capital growth by investing in African equities. The appetite for African …

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Globalisation, innovation and technology have not only changed the way people live but also impacted consumer trends. Consumers now have new tastes, are more mobile than ever and are targeting new markets and asset classes. Increased mobility and new technological trends are demanding that consumers be in full control of their money and have a …

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