List of long-term investment plans in Ghana

Investing is the process of allocating resources to obtain long-term financial gains. These gains are typically achieved through the purchase of stocks, bonds, mutual funds, and other investments that generate a return over time. Investing can also involve tangible assets, such as real estate or art.

The idea behind investing is to put money aside for future needs and goals. Investing in the stock market, for example, can be a great way to grow your wealth over time and provide you with a comfortable retirement. Investing in real estate can also provide a steady income stream and potential long-term appreciation of your asset.

Whether you’re looking for short-term or long-term investment options, there are a variety of options available in Ghana.

Why is investment plan important?


Investment plans are an important part of personal financial planning. Having a long-term investment plan in place can help you achieve financial security and ensure that you have a stable future. Investing in Ghana can offer many benefits, including access to potential high returns on investments, as well as the ability to diversify your portfolio. It is important to research and understand the different types of investments available in Ghana before deciding on an investment plan.

Long-term investment plan

Long-term investment plans provide a way to save money over an extended period of time with the aim of making more money in the future. Investment plans in Ghana can come in many forms, including stocks, bonds, mutual funds, real estate, precious metals, commodities and more.

Having a long-term investment plan can help you achieve your financial goals by allowing you to invest wisely and build wealth over time.

List of Long-term investment plans in Ghana

Here are some of the top long-term investment plans in Ghana:

Mutual Funds

Mutual funds are professionally managed portfolios of stocks, bonds, and other securities that offer diversification. They allow investors to spread their risk across a range of investments and benefit from the expertise of a fund manager.

Fixed Deposits

A fixed deposit is an investment where you deposit a lump sum into a bank account for a set period of time and receive a fixed return at the end of the term. Fixed deposits offer security and the peace of mind that comes with knowing your money is safe and earning interest at the same rate for the entire term.


- Advertisement -

Bonds are debt securities that give investors the opportunity to lend money to governments or companies in exchange for a pre-determined interest rate. These investments can be held for years and are generally viewed as low-risk investments with relatively predictable returns.

Real Estate

Buying property has traditionally been one of the most reliable long-term investments. Real estate offers both steady rental income and potential appreciation over time, which can make it an attractive choice for investors looking for reliable returns and a hedge against inflation.


Stocks are shares of ownership in a company that can be bought and sold on public stock exchanges. While stock investing involves risk due to price fluctuations, it has been shown to have higher returns than many other forms of investment over long periods of time.

Pension Plans

Pension plans are designed to provide retirement income for individuals and their families. They usually come in the form of tax-deferred accounts that allow investors to save money over a period of years and then withdraw money at retirement age. Pension plans are often sponsored by employers or governments and require mandatory contributions from employees.

Treasury bills

The main advantage of investing in treasury bills is their guaranteed returns, as the government guarantees that your money will be returned in full at maturity. Additionally, treasury bills are tax-free and offer excellent liquidity, which means that you can easily access your funds if needed.

When investing in treasury bills, investors have a variety of options to choose from. Treasury bills come in three different maturities: 91 days, 182 days, and 364 days. Each maturity has its own minimum investment amount, as well as a different interest rate. The interest rate can range from 6% to 10%, depending on the maturity period.


Investing in gold is a great way to secure your financial future in Ghana. Gold has been a reliable store of value for centuries and is an excellent choice for long term investments. Investing in gold offers a variety of advantages, including the ability to diversify your portfolio, protect against inflation, and earn higher returns on your investments.

When it comes to gold investment in Ghana, there are many options available. Gold coins, bars, and ETFs are all popular choices for investing in gold. For those looking for a more hands-on approach, gold mining companies also offer a great opportunity to participate in the production of physical gold.

If you are considering investing in gold in Ghana, it is important to research the different types of gold investments available and determine which one best suit your needs.

Fixed deposits

Investing in fixed deposits is a great way to grow your wealth in Ghana. Fixed deposits are a type of long-term investment plan where you invest a lump sum of money for a set period of time and get back a guaranteed interest rate. This makes it an ideal option for investors who want to earn a steady return on their money without the risk associated with other types of investments.

Is Bitcoin a good investment?

Bitcoin, the largest cryptocurrency by market cap, is a risky investment with high volatility. It should only be considered if you have a high-risk tolerance, are in a strong financial position and can afford to lose any money you invest in it.


These are just some of the many long-term investment options available in Ghana. Ultimately, which option you choose will depend on your individual circumstances, financial goals, and appetite for risk.

Thank you for reading on Share this article with your family and friends.

Follow us on Facebook, Twitter and Instagram for more updates.

Email: [email protected]

Leave a comment