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Top 10 Ways to Invest Small Money in Ghana (Starting from GHS 20)

Mischief

 


Top 10 Ways to Invest Small Money in Ghana (Starting from GHS 20)

You don’t need to be rich to start investing — you just need to start.


Many Ghanaians think investing is only for rich people.

But the truth is — you can start investing with as little as GHS 20.


The goal isn’t to get rich overnight — it’s to plant small seeds that grow into big results over time.


This blog will show you real, accessible investment options in Ghana — even if you earn a small salary.


Let’s dive in.



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✅ 1. Treasury Bills (T-Bills)


💰 Start from: GHS 50 or GHS 100

📆 Duration: 91 days, 182 days, 1 year

📈 Return: ~15%–30% per year

🛡️ Risk: Very low


How to buy:


Go to any bank (like GCB, CalBank, Ecobank)


Or use MTN MoMo (*170# → Financial Services → Treasury Bills)



T-Bills are government-backed and protect your money while earning interest.



---


✅ 2. MTN Shares


📱 Start from: GHS 100

🛒 Buy through:


Ecobank


MTN stock broker apps


UMB or Databank



MTN is one of Ghana’s most stable companies.

By owning shares, you:


Get annual dividends


Can sell shares for profit later



Perfect for long-term investors.



---


✅ 3. Mutual Funds (Like Epack or MFund)


📊 Start from: GHS 50

🔁 What it is: A pool of money invested by professionals

📈 Return: 10–30% annually

🧠 Risk: Medium (depending on fund)


Where to invest:


Databank


Stanbic


Ecobank



Mutual funds are great for hands-free investing.



---


✅ 4. Mobile Investment Apps


📱 Examples:


Fido Save


Bloom


Chipper Cash “Save & Invest”


Trove (for U.S. stocks)


Bamboo (Nigeria/U.S. stocks)



Start from: GHS 20–GHS 100


These apps make investing super easy — right from your phone.


Always research the app’s safety and user reviews before investing big.



---


✅ 5. Buying and Flipping Items (Mini Trading)


🛒 Buy in bulk, sell for profit:


Phone accessories


Ladies' handbags


Perfume oils


Thrift clothing (bend-down)



Start from: GHS 50–200


Buy small. Sell fast. Reinvest profits.


Trading is one of the fastest ways to grow small money in Ghana.



---


✅ 6. Farming or Agric Investment Platforms


🌱 Small agro investments can yield big returns.


Options:


Grow For Me


AgroCenta


Ghana Commodity Exchange



Start from: GHS 100

Returns: Up to 20–35% per season


Tip: Always confirm if the platform is genuine and regulated.



---


✅ 7. Invest in Liquid Soap or Bead Making for Resale


🧼 Turn GHS 50 into a small business:


Buy raw materials


Produce soap or beads


Sell to schools, churches, shops



Reinvest your profits and expand gradually.


Sometimes the best investment is starting a micro business.



---


✅ 8. Education and Online Courses


🎓 Invest in your mind.


Use GHS 50–150 to:


Learn graphic design


Take free/cheap online courses (Coursera, YouTube, Skillshare)


Learn how to trade forex or crypto the right way



Education multiplies your income opportunities.



---


✅ 9. Group Contributions (Susu or Investment Clubs)


👥 Join:


Workplace susu


Church contribution groups


Trusted local investment clubs



Each member contributes weekly/monthly and rotates the lump sum.


If run well, it builds:


Capital


Saving discipline


Business funds



Make sure it's transparent and well-managed.



---


✅ 10. Invest in Yourself — Start That Hustle


💡 Your brain is your biggest asset.


Use your GHS 20–100 to:


Register your business


Print flyers


Buy basic tools for your trade


Run a small Facebook ad



If you braid hair, design flyers, bake, teach, or create — you’re an investment waiting to grow.



---


🧠 Final Advice


Before you invest: ✅ Research

✅ Start small

✅ Stay consistent

✅ Avoid “get-rich-quick” traps


You don’t need GHS 1,000 to start.

You need GHS 20 and the courage to begin.


💬 "The best time to plant a tree was 10 years ago. The second best time is now."



---


📸 Suggested Image:


Search Pexels for:

“Ghanaian woman counting money”, “saving coins”, “man holding mobile phone”



---


🏷️ Suggested Blogger Tags:


investing in Ghana, low capital investment, mutual funds Ghana, mtn shares, how to grow money


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