At deVere Ghana we offer our services to help you plan your life goals and ensure you achieve your lifetime objectives. Investing can be for the long term and retirement, or it may be that you need to fund your children’s education/university fees.

It could be you have capital, either a lump sum or you wish to invest a regular amount every month to build up your savings or maybe you have an existing portfolio that needs to be managed according to your requirements.

What we do

We like to sit with you and discuss your personal circumstances and your needs and goals. Your registered investment adviser will complete a document on all your personal details, assets/liabilities, investments and what your life goals are. You will also be asked to complete a risk profile or attitude to risk so we know what type of investor you are, be this cautious, balanced or growth.

It is important we have all this information so we can create a plan of action with you and then we can provide you with the right solution.

Potential investments

These can include anything from mutual funds to cash or structured notes offering fixed returns on the happening of meeting certain criteria.

Asset Classes

Asset classes are investments that exhibit similar characteristics and are subject to the same laws and regulations.

You will often see that investment funds consist of various assets. Usually, equities have the highest percentage weighting and then followed by bonds, cash, real estate and commodities.

• Equities or Stocks – Here, we talk about owning shares or stocks in companies. Successful companies earn favourable returns and increase the value of shares held by investors. Many investors use equities as a way to build wealth, as equities tend to produce the highest fund performance and returns. For example, shares in tech companies have produced favourable returns in the last few years.
• Bonds or Fixed income – are investments that pay a fixed income. The investor lends money to a government, for example (government bonds) in exchange for a fixed pay-out at maturity. Bonds are less risky, offering more stability to a portfolio than equities, but also generally offer lower returns.
• Cash and Cash equivalents - Cash and cash equivalents represent actual cash on hand and securities that are similar to cash. This type of investment is considered very low risk since there is little to no chance of losing your money. That peace of mind means the returns are also lower than other asset classes. Examples of cash and cash equivalents include cash in a savings account, cash or a money market account etc. Generally, the greater the risk of losing money, the greater the prospective return.
• Real Estate – Buying or investing in property has always been a good investment. It can provide a passive income or be used as an asset that grows in value over the years.
• Commodities – These are basic goods like metals, energy and agricultural goods. Their returns are based on supply and demand. Usually, investors would invest in companies that supply these goods.
• Alternatives – Property can be considered an alternative investment class, but could also refer to artwork, NFTs, hedge funds, venture capital and cryptocurrencies for example.

Risk Classification

Investing is sometimes includes risk, and there are no guarantees of good returns. Funds usually have a risk rating according to their possibility for loss. The chance for higher potential losses means higher risk but also could mean higher returns.
Funds generally have low, balanced, moderate, moderately aggressive and aggressive risk ratings, depending on what areas the fund is composed of. For example, the fund manager could recommend an equity-based fund (stock market listed companies) which could lead to high returns, usually has a higher risk and could fall into the moderate aggressive or aggressive classifications, while bond-based funds offering lower returns could be considered balanced or low.

A well-diversified fund could consist of one or more of the above areas according to the specifications of the fund. Some funds focus on global equities, others on regional equities and some even focus on a balance of equities, bonds and cash.

Your deVere investment adviser will work with you to ensure you have the right investments to suit your own needs and appetite for risk.