Category: Investing

A collection of blog posts about investing. Here, Zamai Banje writes and discusses on investing and how it affects young individuals.

SEEDs by Anchoria: Creating a New Era of Investing with Fintech

 

Invest with SEEDs

SEEDs by Anchoria – Case Study

Investment can be a complicated journey. There are usually risks involved in making investment decisions. A lack of quality investment education and financial planning could lead to a loss of capital.

On the other hand, Banks and fintech companies lose prospective investors because they either don’t understand the need for investing or have had bad experiences with Ponzi schemes and unregulated investment companies.

At Anchoria Asset Management, we found the perfect balance by building a mobile app – SEEDs by Anchoria for investing and asset management. The SEEDs mobile app makes investing in regulated funds and products attractive and easy.

The App is carefully designed in a way that onboards new investors easily and guides them through the process. And our target group is Africans who are existing and aspiring investors.

GROUND TESTING: THE PROBLEM OF FINTECHs AND INVESTING

According to A16Z, a Venture Capital firm, Since product leaders across many categories—from Uber to Google—are aiming to adopt banking, loans, payments, and more, there is a trend that every firm is a fintech company. Banks are converting to technology-driven financial services, fintech startups are booming, and many tech firms are looking to fintech to boost profits or add new income streams.

Countless fintech apps are available, and people are starting to use them because they may have created new opportunities for reaching Nigeria’s more than 100 million unbanked citizens with financial services. Yet, only a few focus on pushing ‘investing as a culture’ for young Africans.

THE SOLUTION IS SEEDs

Our app – SEEDs solves this problem by providing a platform for easy access to different investment products. With SEEDs, you can easily open an investment account, subscribe to secure, interest-earning investment products, create, and manage multiple portfolios for your investment goals. The aim is to ensure that we demystify the perception that investment is for High-net worth individuals by making it accessible, low entry-level and easy to understand.

This product management case study focuses on how we are building a mobile app that makes investing attractive for its intended users.

Photo by Amanda Jones on Unsplash

Photo by Amanda Jones on Unsplash

THE PLANTING: PRODUCT DEVELOPMENT PROCESS

As a part of the product management team for an asset management firm, our vision is to build the most attractive digital investment experience for Africans living locally and in the diaspora who want to grow and preserve their wealth.

We had an initial MVP which displayed the major products of the organization and allowed traditional clients to invest and view their investment portfolios. The MVP was good if we decided to play in the convenient space, but we needed to 10X our app and get closer to our vision.

We started by doing some research to understand the needs and preferences of our target audience. We conducted surveys, established focus groups, and granted interviews to gather feedback and insights. Based on that, we prioritized the features that were most important and feasible to build.

We adopted an agile methodology and weekly sprints to stay organized and focused. One of the biggest challenges we faced was designing a user interface that was both simple and informative. We tested several prototypes and gathered feedback from early users to fine-tune the design.

THE PRODUCT MANAGEMENT TOOLS USED TO BUILD THE SEEDs MOBILE APPLICATION

There are several tools used by product managers to excel in their roles because it involves a lot more than gathering product insight, tracking the backlog, and reviewing the product roadmap.

In building and managing the SEEDs mobile app, we use:

  • Confluence to write down the current service providers, current and expected finance, costing and release notes. This app was majorly for internal team usage.
  • Jira: This is used for our external team communication. We documented user stories for designers and project managers. Our roadmap was also documented on Jira. This made it easier for my team members and me to build and collaborate while writing user stories.
  • SurveyMonkey is our customer survey tool when gathering answers to our user questions. We simply sent the survey link out to our customers and easily tracked and analyzed the results.
  • Figma: We made use of this tool for designers, collaborating and giving feedback on the proposed app screens.

GATHERING USER FEEDBACK AND PRIORITIZING FEATURES

The next step was to understand the current users and the intended address. Every product manager knows that having an innate understanding of the customer is central to the product’s success. This answers the important Question – Who is this product for?

Our user feedback gave us insights to solving current problems such as:

  • Usability — Can people identify the benefits of the SEEDs app? Can the user understand how to take the steps required to obtain this value?
  • Product Knowledge – Can people know what or how to invest on SEEDs? Can the user know their risk tolerance level and identify which investment product suits their financial goals?
  • Investment Guide – Can people make informed investment decisions by interacting with the App?
  • Instant Access – Can investors view their investment history without notifying their relationship manager?
  • External app support – Can people reach out for further enquiries beyond the mobile application? How easy is it for users to get support?
  • User Engagement – How can the users stay informed of their investment decisions?

OTHER KEY FACTORS

We also had to consider our regulatory bodies when prioritizing features for the SEEDs mobile application. Policy and regulation are key factors that contribute to the success of a FinTech product. The right navigation in this sector protects your product from sanctions and may help speed up growth.  The problems we had to address when prioritizing features were:

  • Know Your Customer (KYC) compulsory and mandatory requirements.
  • Segmentation of customers based on personal data and transaction volume.
  • Adequate information on all products, highlighting the risk levels.
Photo by Tim Mossholder on Pexels

Photo by Tim Mossholder on Pexels

For new users and the general fintech industry, we prioritized features on SEEDs to solve problems such as:

  • Complicated and lengthy onboarding process
  • Being asked for private information before app usage
  • Understanding the investment product before putting their money.
  • Inability to address data privacy protection and cybersecurity risks.
  • Unclear financial terminology, lack of compassionate human language, and simple explanations of complex financial processes.

Our design and functionality decisions were also made after prioritizing these features across these solutions. We asked ourselves questions ranging from:

What should our users see when they log in?

And what are the most prominent features for both users and the company?

How can we educate our users without overwhelming them with too much information on the app?

This feedback and questions were important to solving SEEDs’ most important goal – Making investing attractive to its users. Given the fact that investing is a high-risk, high-reward endeavour, we must gain the consumers’ trust to do this. After all, we are dealing with their money. And it’s extremely personal.

CHALLENGES AND ROADBLOCKS ENCOUNTERED

The company already had a core application provider in charge of its in-house application. This in-house application was strictly for staff to run their internal processes. Also, before the PM team was formed, the initial MVP was developed by the dev team to simply fetch the client investment data and return when needed.

As a product management team, we had to bridge the gap to build a seamless investment experience for the clients. Due to our combined expertise in product research, product ideation, business analysis, testing, development, and design, all these problems were resolved in the main features of the SEEDs mobile app.

Importantly, the core application provider that provided SaaS to our company was then required to build APIs to ensure ease of connectivity for some new features.

The Parts of SEEDs: PRODUCT FEATURES

The key features we built for the SEEDs mobile app that solved the problems of our users were:

  1. Improved Onboarding Flow: Customers were now able to sign up by providing account numbers. The standard process for finance-related applications is to get users to submit their Bank Verification Number (BVN) before completing their registration and provide lengthy details.

To improve customer experience and allay the fears of new users, we simply ask them to input their bank account numbers.  Internally, we automated a process of retrieving the BVN from the corresponding bank account portal for data storage as it is a regulatory requirement.

Also, we were able to ensure that the onboarding process took a maximum of 5 minutes.

Landing page for SEEDs by Anchoria mobile app

Landing page for SEEDs by Anchoria mobile app

  1. Plan: To recommend products for new and existing investors, we included a “plan module” on the invest section of the mobile app. This module worked by proposing the best investment product based on the user’s responses to an in-app questionnaire.

This feature keeps users engaged while recommending an investment product based on their risk level, investment duration and amount to be invested.  

Plan Module for SEEDs by Anchoria

Plan Module for SEEDs by Anchoria

  1. Investor Guide: SEEDs is carefully built with users in mind and to ensure that they have an optimal experience, there is a need for ease. This guide contains directions on the basic functionalities of the app. These include how to fund an investment account, how to invest in the lowest risk level product, how to update regulatory KYC, how to get a product recommendation etc.

This is to ensure that aspiring-to-be investors can make informed decisions while using the mobile app.

Investor Guide for SEEDs by Anchoria

Investor Guide for SEEDs by Anchoria

  1. Extensive Product Information: To fully educate users and better inform their investment decision on SEEDs, we added extensive product information for each investment product. This includes a short description in text and corresponding visuals to show the risk level and asset allocation. A downloadable product paper was also added via a hyperlink on each product screen.

For the fixed deposit product, we added the rate table showing the annual interest rate based on the duration and amount they want to invest. The rates are usually updated to ensure that users get the applicable rates in real time.

This meant our users now have full knowledge and can make the best investment decisions before proceeding to invest in any product on the SEEDs mobile app.

  1. In-app and Email notifications: We developed a list of notifications to users to alert them via email and in-app of their actions on SEEDs. This includes actions ranging from funding their wallet, log-in confirmations, changing passwords and successful liquidations of their investments.
Email Login Confirmation for SEEDs by Anchoria

Email Login Confirmation for SEEDs by Anchoria

This feature allows customers to stay informed and increases engagement.   

Other key features built to suit the needs of the organization included:

  1. Referral code: Inclusion of a referral module that allows users to view their referral codes, copy the codes/ link and view users who have signed up using their referral codes. Users can share their investment experience among their friends with their unique referral code.
  1. KYC Tiering mechanism: We introduced a KYC tiering mechanism to fulfil one of the regulatory requirements and segment the customers. And we did it in an engaging manner on the app.
KYC Tiering Mechanism for SEEDs by Anchoria

KYC Tiering Mechanism for SEEDs by Anchoria

To make sure these key features are prominent and intuitive, we enhanced the app navigations using design as a tool. The goal was to make the SEEDs by Anchoria app give users a better investing experience to create and grow their wealth. In both design and functionality.

With the help of two contract UI designers, we made the user interface and the user experience to make SEEDs intuitive and user-friendly. We also had a constant navigation bar which had 4 buttons – Home, Portfolio, Invest and Menu which allow easy and all-around navigation to perform any task on the app.

THE GROWTH: TESTING AND TECHNICAL IMPLEMENTATION

To examine the features we built on SEEDs by Anchoria, we had phases of testing:

  • Team testing —The product and dev team were the first set of testers for the SEEDs app. The main outcome of this is the identification of bugs. It allowed us to test and confirm features between both vendors as we continue building instead of waiting until it is complete. At this step, we used a copy of live data in a test environment.
  • Company testing — The next step was to release the feature to the entire organization without elaborate explanations or tutorials. We would release it to the public this way. It is also a good opportunity to do cheap internal usability testing exercises. Testing within the company allowed us to identify complex elements within the features before we shipped it to the public.
  • Private beta — as a product that has been in the market for a while, we had a small group of users who acted as our beta testers. The feature would then be released to this specific group and communicated as a beta version. They used the app and not just test it by simulation.

The aim of this test is to see if users can discover the feature, use it (engagement), see how they use it within their workflow, see how they are using it, and identify any barriers.

  • Public release — once the challenges identified in the private beta were addressed, we release the completed app to all our customers. A huge part of this step was developing the right messaging. The messaging will focus on what the user can do with the new features.

PROGRAMMING LANGUAGES USED

React Native (JavaScript) and Java Spring Boot were the programming languages for our app’s framework. React Native is a framework that lets you build native apps using JavaScript and React, a popular library for creating user interfaces. Thanks to React Native, the dev team were able to reuse the same code base for both iOS and Android platforms, saving us up to 40% of time and cost.

Spring Boot is a framework that simplifies the development of web applications and microservices with Java Spring Framework, a robust framework for creating enterprise-level applications. With Spring Boot, we benefited from a fast and easy configuration, a modular and loosely coupled architecture, a wide range of technologies, and great developer experience.

One of our current priorities is to integrate third-party APIs that can help us track app analytics and boost the marketing efforts of the SEEDs mobile app. We have selected Firebase and Appsflyer as the best solutions for our needs.

Firebase is a platform that offers various features for app development and growth, such as authentication, hosting, cloud functions, databases, machine learning, and more.

Firebase also provides rich analytics, A/B testing, and messaging campaigns that can help us understand our users better and increase their engagement.

Appsflyer is a platform that specializes in mobile attribution and marketing analytics. Appsflyer can help us measure the performance of our app campaigns across different channels and platforms, optimize our user acquisition and retention strategies, and protect our app from fraud and abuse.

By integrating Firebase and Appsflyer, we can leverage their powerful capabilities to make our SEEDs mobile app more successful and profitable.

THE HARVEST: LAUNCHING AND MARKETING

Our current plan is to get 100,000 Active Users in our first year of launch. As an asset management firm attempting to capture a large market share of the fintech industry, we have established an Active User as a client who completes their KYC and invests a minimum of 5000 Naira. This is also our North star metric.

After deliberations with our stakeholders, the launch strategy and marketing efforts of the SEEDs mobile app is split into four phases:

  1. Internal staff drive where 50 new weekly users were brought in via the app.
  2. An investor-relations focused campaign where High Net worth Individuals (HNIs) are targeted, and their feedback shared.
  3. 3rd party resources – These are other retail client-facing companies we currently do business with. These companies were engaged to share our app with their own users to download and invest on SEEDs.
  4. Radio push and Social Media Influencers

OTHER METRICS

To achieve our goal of acquiring 100,000 active users, other metrics are also important to track. These include:

  • User downloads on Play Store and App Store
  • User retention: We track these via drop-offs (clients who fail to complete their registration after downloading the app) and dormant users (clients who have signed up successfully and yet to invest on SEEDs). We also track this via Redemption rate – percentage of customers who redeemed their investments and Repeat subscription rate – the percentage of customers who invested in our investment products more than one.
  • Engagement Rates: This is done in the form of quarterly surveys and app ratings. This also helps in retargeting – reselling the app to people who have stopped using the SEEDs app.

In our first two months, we got good reviews from our early users. This ranged from the ease of opening an investment account to getting recommendations for investment products.

And it only gets better from here on.

SEEDs and FRUITs: RESULTS AND IMPACTS.

The SEEDs by Anchoria app crossed its 1500 Users mark in less than a month. The user adoption and engagement rates also went up by 120% in the same period. Customer satisfaction ratings also increased, giving credence to the newly developed features.

We engaged the data team and created automated reports from the sources. These data make it easier to track and make data-driven and customer-centric decisions as soon as possible.

CONCLUSION – WHAT’S THE FUTURE FOR SEEDs?

The key takeaways I got as a product manager building a fintech app for an asset management firm were timeless:

  • Fintech is a highly regulated industry.
  • Customers want some level of personal interaction when using financial services.
  • There is so much room for growth, but you must prioritize your users.
  • To some extent, it requires knowledge of cash flows, accounting, treasury, financial services, and payment operations to really build and scale the product.

The future of SEEDs by Anchoria is making Investing Attractive for Africans, so our roadmap is clearly outlined to achieve this vision. From our roadmap, some of our plans in the next 3 years include:

  • Expand support for different currencies.
  • Personalize asset tracking features for various markets and regions.
  • Introduce system interfaces for easier asset management workflows. (Chatbot, CRM, etc.)
  • Create support for asset tracking through blockchain.
  • Establish how the current architecture of the app can be incorporated with emerging technologies.

THE PLANTERS: Managing the SEEDs app as a team

Gibson Biddle, former VP of Product at Netflix once said, “Building a great product is a creative, chaotic process which you won’t get right every time, so you have to also be learning from success and failure.”

Building and Managing SEEDs by Anchoria would not be possible without these people:

Wahab Gbadamosi and Rhema Obiefuna – my product team colleagues

Samuel and Yinka – our contract UI designers who brought the visuals of our SEEDs mobile app

Cherish Nelson, Tobi Kudayisi, Muhammed Ibrahim and Abdullahi Adamu – who worked on the coding implementation of the mobile app.

Afolorunsho, Kazeem and Amarachi – who worked on the in-house application

Zuby Emodi the MD who was willing to allow the app to be fully complete before the final release.

Experience the future of investing with SEEDs for yourself

Start small, earn more with SEEDs

Start small, earn more with SEEDs

I would love you to experience the benefits of SEEDs for yourself.

Here is the download link — https://onelink.to/j96u7u, feel free to use my referral code — A200014126 when registering on the app.

Download SEEDs, sign up and let me know what you think.

Invest in Relationships the Right Way: Read this Now!!!

I previously published an article: The Best Investments To Do Right Now In Your 20s and 30s. The post highlighted relationships as one of the most valuable investments you can do right now. (Please read it now and continue this post when you’re done)

To understand this better, here is a little backstory. I used to believe individual strength was the most important virtue to succeed. I had this warped mentality. As long as I constantly honed my talent, nothing else mattered.

My dear, I was wrong. Extremely wrong. Relationships are very important. Building healthy, positive and beneficial relationships is key in climbing the ladder of success as a modern millennial.

People own companies and build businesses. Technologies are developed by people. People share knowledge and teach skills.

The closer you get the right people, the faster and better your chances of building a wealthy future.

Zamai Banje – the best investments to do right now in your Twenties and thirties

After reading this article, you will learn tips on building beneficial and influential relationships. Investing in people always brings exponential returns in the long term. Here are the tips:

Photo by Kevin Delvecchio on Unsplash

1. BE SINCERE AND GENUINE

Let love be without hypocrisy. Abhor what is evil. Cling to what is good. Be kindly affectionate to one another with brotherly love

ROMANS 12:9-10 NKJV

When it comes to building relationships, don’t fake it. Be honest. Love from your inner being. Show care from the innermost parts of your heart. This is true sincerity.

2. BE LOYAL

Loyalty is a valuable currency when investing in people. Be a good friend. Treat the most important people in your life as family. Be devoted to them.

3. PUT THEM FIRST

…in honour giving preference to one another

romans 12:10b NKJV

If you want someone to be a significant part of your life, put their priorities first. Make them feel honoured always. Give them more respect than you give yourself.

Laugh with them on their joyous moments. Weep with them on terrible days. Don’t get jealous of another person’s victories. Celebrate with them. Learn to recognize people’s needs as your own.

4. BE HOSPITABLE

…distributing to the needs of the saints, given to hospitality.

Romans 12:13 NKJV

Always look for ways to meet the needs of others. Be a person of value. Be kind. Always feel free to share your energy, expertise and experience with people who need your help. This creates an abundant mindset for you. A person with abundance never lacks.

5. DON’T RETURN EVIL WITH EVIL

Repay no one evil for evil. Have regard for good things in the sight of all men. If it is possible, as much as depends on you, live peaceably with all men.

ROMANS 12: 17-18 NKJV

Yeah. This sounds difficult especially in this era that glorifies paybacks and clap backs, but it’s best to never return evil for evil. Two wrongs don’t make a right. In contrast, return evil with good.

There is beauty in everyone. Seek this beauty and complement their strengths rather than downplaying their weaknesses.

Don’t insist on getting even. Be the odd one. Be kind and friendly.

6. BE OPEN-MINDED

Be of the same mind toward one another. Do not set your mind on high things, but associate with the humble. Do not be wise in your own opinion.

ROMANS 12: 16 NKJV

Be fair and open-minded when communicating with people. This allows you make good judgement of people’s character and competence. Do not ever feel superior to others either because of your rank, race or gender.

This also feels counterintuitive but be willing to be friends with people who don’t look important to others. This world is a small place and you never know what could happen in the days to come.

Yeah. That’s it. These tips look simple. However, they are very powerful. I am already utilizing most of the tips (especially number two) and they have worked wonders.

What about you? Which tip will you work on today?

The Best Investments To Do Right Now In Your 20s and 30s

Photo by Skitterphoto from Pexels

At the beginning of the year, (5th January 2020 to be precise), I posed this question to a popular Nigerian venture capitalist and investor on Twitter:

Sir, as a young millennial just starting a career and investment portfolio; which investment plan in Nigeria could workout and pay off in the long game for the next decade?”



I never got a direct answer till today. But after some research, personal experience and interactions with other like-minded individuals, I finally found the answers. And this is what this article is about.

At the end of this article, you will learn six investments you can do right now and the direct steps to undertake these investments.


First of all, Investing is committing money or capital with the expectations of financial gains. In finance, it is defined as placing your capital in the hopes of getting profit from its usage or appreciation.

For the modern millenial like you and I, Investment must be a smart game. A game that is carefully leveraged with the right information and technologies to reap future benefits.

So here are six investments you can do right now in your twenties or thirties with the above perspective in mind:

1. INVEST IN U.S STOCKS

Photo by Burak K from Pexels

One of the world’s richest men and the godfather of investing, Warren Buffett got rich through this type of investment. He transitioned from buying stocks of companies in his country at a young age to owning major shares and eventually owning some of these companies. Buffett got wealthy because of two reasons:
– The stability of the United States (U.S) Economy
– His consistency, discipline and due diligence

The second reason can be honed and developed over time but the first reason (financial stability) is only achieved in developed countries with strong economic background. This is why I am specifically about investing in U.S Stocks, not just any shares or stocks.

So the question is…

How Can You Invest in U.S Stocks?

If you are an American, the process is pretty easy for you. But if you’re a Nigerian (like me), you can’t physically walk into the United States Stock market to get started.

Nonetheless, today’s technology makes it possible to buy and sell U.S Stocks. Personally, I use a mobile app called Bamboo. Bamboo is a platform that allows you to use your Nigerian bank details to access these shares. They have a limited number of companies to buy stocks from, but it suits my investment needs so far.

I have also heard about similar platforms like Chaka, Rise but I haven’t tried them out. You can always do your research and due diligence. It’s also possible to find a more secure, faster and convenient way to buy U.S stocks if your research is done right.

2. INVEST IN MUTUAL FUNDS

Mutual fund is a form of collective investment where money from many investors is pooled and invested in various securities (such as stocks, bonds, treasury bills e.t.c.) under the direction of a fund manager.

In simpler terms, Mutual funds can be imagined as Pizza slices where you are able to get extra value (in this case, profit) usually exclusive to the table of the affluent.

Personally, I love mutual funds because of its stability, diversification and competitive returns. There is always a specific mutual fund that can fit your investment needs and risk/profit appetite.

How Can You Invest in Mutual Funds?

You can always purchase mutual funds from licensed and authorised asset management companies. For instance, I invest in mutual funds through Anchoria Asset Management Limited (you can find more details here).

As usual, I advise you to gather knowledge, seek guidance before purchasing mutual funds. Due diligence is also key here.

3. INVEST IN CRYPTOCURRENCY

Photo by Marta Branco from Pexels


This is definitely the most futuristic and arguably a debatable Investment path on this list. Cryptocurrency is a digital currency based on a cryptographic system. For example, Bitcoin is a currency based on complex digital technology and solely traded on the Internet.

How Can You Invest in Cryptocurrency

Presently, I don’t have an investment in cryptocurrency (even though I used to have a Bitcoin wallet and dabbled in other cryptocurrencies too), but I have friends who get gains and preach the gospel of the cryptocurrency. (And I hope to join them soon. I am still gathering specific knowledge)

As a millenial, you have to embrace technology and the role it is playing in the modern society. Technology is accelerating rapidly, entering virtually all sectors of the economy. And Money will eventually be one of them. So endeavour to balance both your knowledge and experience before venturing into the beautiful world of Cryptocurrency.



This is not all. Do you want to know what the last three best investments are?

4. INVEST IN YOUR DREAMS

Photo by William Bayreuther from Unsplash


Your best investment is still yourself. Strive to be the best version of you. Invest your time, energy and resources in building your income, impact and influence. Because investing in yourself is the only way the other investments can grow and flourish rapidly.

How Can You Invest in Yourself?

Build relevant skills. Expand your knowledge. Do this with intentionality and purpose. Always remember to invest in your dreams.

5. INVEST IN YOUR RELATIONSHIPS WITH PEOPLE

Photo by Mario Purisic from Unsplash


When investing in yourself, the next closely related investment is building quality relationships with people. Why is this investment also important?

Because People own companies. People build businesses. People sell products. People buy products. People share knowledge. People teach skills. People develop technologies.

The closer you get the right people, the faster and better your chances of building a wealthy future. The closer you enter those circles of influence, the bigger your sphere of affluence becomes.

How Can You Invest in Relationships

Trust me, I keep learning to do this investment every day. And I try to build these relationships using the law of 33%:

– Spend 33% of your resources with people below you (your mentees)
– Spend 33% of your resources with people on the same level with you (your peers)
– Spend 33% of your resources with people above you (your mentors)

Your resources involves your experience, energy and expertise. Using this law, you get to teach, interact and learn from everyone you come in contact with. It also gives the needed balance in your relationships with people.


Here is the last and most important investment of them all.

6. INVEST IN YOUR RELATIONSHIP WITH GOD

Photo by Amaury Gutierrez from Unsplash


Whilst you are young and agile, there is always the tendency to throw caution to the wind in a bid to enjoy the pleasures of life. That youthful exuberance. That boundless energy. I still pass through this phase every moment of my life and I have found out that a close relationship with God brings the balance.

Investing in a close continuous lovely relationship with God eliminates your anxieties and worries for the future. It also allows you to make peace with the past and be content with the present.

Note this down – You were created for eternity. And you are a spiritual being simply having an earthly experience. The investment with God enables you to enjoy both worlds. Savouring Today and Enjoying Tomorrow’s rewards.

How Can You Invest in a Relationship with God?

For me, I know God more by studying His Word – the Bible. I communicate with Him through prayers and I observed His marvellous works through the circumstances around me. All these are parts of investing in a relationship with God.

You can start with these principles and carve your path. A path that suits you. It’s a personal relationship after all.

“For what shall it profit a man, if he shall gain the whole world, but lose his soul?”

Mark 8:36

FINAL WORDS

Photo by Precondo CA from Unsplash



Investments will always come with risks. No pain, no gain, right? But there’s one key factor I have highlighted throughout this article:

Constantly seek Knowledge. Because Knowledge is the biggest insurance against risks.

Acquire knowledge in the fields of investments you plan to venture into. Watch and ask from seasoned Investors in that field. There will always be mistakes, so learn to use your experience to maximise success and reduce future failure. Learn to take smart risks.

So that’s it.

In sum, Invest in U.S Stocks, Mutual funds, and cryptocurrencies. More importantly, Invest in your dreams, people and your relationship with God. These are the best investments you can do right now.

Finally, remember investment is a marathon and could be boring at times. But it always pays off at the end.

Cheers to your continued success and creativity.