Insights
Markets, explained.
Economic analysis, market commentary and investment concepts written to be understood — by professionals and by anyone trying to make better financial decisions.
- Financial Education
Is a 15% Cedi Return Really Better Than a 5% Dollar Return?
It is the most common comparison in Ghanaian personal finance, and it is almost always made incorrectly. The answer depends on two things the headline numbers do not show — inflation and the exchange rate — and on one question only you can answer.
Ama Serwaa Boateng · 3 min read
- Policy Analysis
Why Does the Bank of Ghana Change Interest Rates?
Eight times a year a committee in Accra sets a number that eventually affects what you pay on a loan, what you earn on savings, and what things cost. Here is the mechanism, in plain terms, and why it works slowly and imperfectly.
Ama Serwaa Boateng · 3 min read
- Financial Education
Treasury Bills vs Savings Accounts — A Practical Comparison
Two ways to hold money you are not spending yet. They differ on return, on access, on who owes you the money, and on tax. Here is how to compare them properly, and the situations where each is the sensible choice.
Nii Kwartey Aryeetey · 3 min read
- Economic Analysis
What Happens When the Cedi Depreciates?
Depreciation is usually reported as bad news, full stop. In practice it moves money between groups — importers and exporters, savers and borrowers, wage earners and asset holders. Understanding who is affected and how is more useful than knowing the rate.
Nii Kwartey Aryeetey · 2 min read
- Economic Analysis
Why Can Ghanaian Savings Rates Be Higher Than Canadian Savings Rates?
A Ghanaian bank may advertise a rate several times higher than a Canadian one. This is not generosity, and it is not a better deal by default. It is the price of two things Canadians are not being asked to bear.
Ama Serwaa Boateng · 2 min read
The FlowWealth Brief
The markets, economic developments and investment ideas that matter.
A weekly brief covering Ghanaian, African and global markets: one chart worth understanding, one investment concept explained, and FlowWealth’s view on what changed.
- Ghana, Africa and global markets
- One important chart, explained
- One investment concept per issue
- Upcoming research and events