Investment is acquiring financial asset with anticipation of capital appreciation. According to Caldwell, once you have a job and have paid off your debts, it is time to begin investing your money. Investing your money is essential because it what allows you to amass wealth.

Individuals who invest regularly are the ones who end up being wealthy. It is therefore important that spending is done wisely to enable individual begin to acquire wealth through investment.

In order to build wealth through investment, the investor should not withdraw or redeem their interest earned or principal money invested out of your investments, but rather leave the entire investment to grow.

  • If you are not currently ready to begin investing, you definitely need to set a goal to start investing with a clear timelines.
  • Start learning about investing and what your investment objectives/goals are.
  • Set up a debt payment plan that will allow you to quickly pay off your debts; and to start investing as soon as possible. The more aggressive you are in paying off your debt, the sooner you will begin investing towards better lifestyle.

How Much You Can Invest

  • For EcoCapital, we don’t have a minimum investment amount that you will need to start investing with us.
  • Budget an amount that you will invest each month, and stay faithful with it.
  • A good rule for investing is that you should invest any amount but must be consistent; and you still need to pay attention on how much to spend. In fact, when you make money, you must invest first before spending.
  • EcoCapital investment team can help if you are not sure on what to do.

Let’s discuss retirement planning

Whether you need a little guidance or a lot – we at EcoCapital are ready to help

No matter where you are in your retirement planning stage, we offer solutions; resources, tools, and guidance you need to develop and manage a retirement strategy that can help you track your investment goals towards retirement.

At EcoCapital, we say SmartInvestment leads to SmartRetirement makes your retirement lifestyle better.

The fact about life is that retirement planning starts from the first day of employment.

Getting started with Retirement

Get the help you need to create a solid retirement plan, no matter where you are in life

Your retirement plan isn’t something you set up once and then leave unattended. A successful retirement plan takes patience, attention, and discipline. To help you plan your retirement, we’ve created a list of things to consider and resources for those just starting out, nearing, and in retirement.

Getting Started

Once you’ve decided it’s time to start investing for retirement, there are several steps you can take to help you decide on what approach that is right for you. As we all know, individual needs varies same applies to your retirement needs.

First, Assess Your Financial Situation

Although it may seem like a long way off, starting earlier can help you accumulate wealth and deal with unexpected bumps along the way. It’s important to consider the following questions:

  • What do you want out of retirement?
  • How much do you currently take in and spend?
  • How much will you need to maintain a comfortable lifestyle during retirement?

As a rule of thumb, you’ll need between 60-80%* of your current income to maintain your standard of living, but this will vary based upon how soon you enter retirement. To help you estimate these considerations contact EcoCapital Investment’s retirement planning specialist.

When creating a budget, carefully weigh competing demands such as:

  • Paying off debt
  • Managing a mortgage or rent
  • Taking a vacation
  • Raising a family
  • Saving for college

See how these financial considerations – and waiting to invest for retirement – can cost you in the long run.

Flexible retirement accounts that put you in control

Everyone’s retirement situation is different, so your retirement account should be tailored to your needs and goals. EcoCapital Investment offers a variety of retirement accounts that can meet your income and lifestyle needs. Plus, you’ll have access to retirement fund investing tools and research that will help you pursue your retirement goals. Contact EcoCapital for deals retirement options available to you.

Effective Retirement Plans

EcoCapital Retirement Portfolios are designed and actively managed by the retirement portfolio management expertise within EcoCapital. Our Retirement portfolio comes with a low advisory and management fees. The portfolio performance results will lead to confidence that your investments are in line with your strategy and are in great hands.

EcoCapital has the following retirement plans:

  • EcoCap Capital Appreciation Portfolio
  • EcoCap Capital Preservation Portfolio
  • EcoCap Stable Income Portfolio
  • EcoCap Balance Portfolio

Choose from the above portfolios designed based on your specific need and risk tolerance.

How Can We Help?

Make planning for retirement easier by exploring our collection of resources, tools, and information based on the amount of support and guidance you need. Contact our talented team at +233 030 393 5531/2 or email us invest@ecocapinvestment.com

Ensure financial security of your child

This investment product aimed at parents who are investing for their children’s education. The investment options that will be presented to them will depend on the age of the child. If your child is 0 – 6 years old, the investment choices/products and strategy will be different than for a parent whose child is 13-17 years old and are getting ready to go to college. The investment strategy changes if your child is a little older because the timeline will be shorter.

As mentioned earlier, the cost of higher education is going up on monthly basis. Many parents who started late or chose the wrong investment vehicles may find themselves woefully short of their investment target.

In the event of death, the beneficiary (children) will benefit from the investments made on their behalf. Your children education will not be affected by your unfortunate demise or disability. It is therefore very important to investment wisely.

Things to know while planning for your Child’s future

  • Start saving early
  • Be aware of the risks you are willing to take
  • Keep Inflation in mind. The cost of goals (education, gift for your child, etc.) will keep increasing in the future due to rising inflation
  • Invest wisely

For more information, Contact our EcoCapital talented team at +233 030 393 5531/2 or email us invest@ecocapinvestment.com

Offshore investing can involve any situation in which the investors reside outside of the nation in which they are investing. This may require the creation of accounts in the nation in which the investor wishes to participate. There are several benefits for investing part of your investment portfolio offshore. Here are some of the benefits:

Diversification of Investment – Diversification of investment portfolio helps reduce risk exposure of the total portfolio. Therefore offshore investment gives the portfolio geographical exposure and reduces country and political risks. Offshore investment accounts are much more flexible, giving investor’s unlimited access to international markets and to all major exchanges.

Asset Protection – Offshore centers are popular locations for restructuring ownership of investment assets. Through trusts, foundations or through an existing corporation individual wealth ownership can be transferred from people to other legal entities with limited restriction.

How Safe Is Offshore Investing?
Every investment has some amount of risk exposure to it. It is therefore hard to say offshore investing is safe or not but, EcoCapital will analyze the country and security(ies) well before investing. Popular offshore countries such as the Bahamas, Bermuda, Cayman Islands and Isle of Man are known to offer fairly secure investment opportunities. According to Wikipedia, “More than half of the world’s assets and investments are held in offshore jurisdictions and many well-recognized companies have investment opportunities in offshore locales”.