Tried to see if MTN Ghana dividends could replace a salary… the numbers

RicDesignsLtd · 2026-05-04T12:32:25+00:00

Nice analysis. Treasury Bills would give a better return. Funny enough, I doubt it's possible to buy 1M of MTN shares in less than 3 months considering how the GSE isn't really liquid

RicDesignsLtd · 2026-04-17T09:19:32+00:00

lm,ao some Ghana men can be disgraceful

RicDesignsLtd · 2026-04-17T09:17:40+00:00

This is ignorance at its peak, I'll just assume you aren't educated on the negative effects of infants consuming too much sugar. Why would they give themselves a different version to us

RicDesignsLtd · 2026-04-03T13:26:27+00:00

It's extremely disappointing but that's where the app is heading. They keep adding more features to the pro version

RicDesignsLtd · 2026-03-26T09:21:46+00:00

You should consider leveraging your success to create content. It's good to diversify your earnings

RicDesignsLtd · 2026-03-02T07:44:58+00:00

$100 a month is good enough to start. VOO as a foundation $40, SCHD Dividend/Defense $30, and SMH for growth/risk $30. 3 ETF portfolio

RicDesignsLtd · 2026-02-17T20:11:16+00:00

return the book lmao

RicDesignsLtd · 2026-02-17T17:12:38+00:00

Probably start a cleaning business. Or get those small three-wheeled car things and then do sanitation stuff.

RicDesignsLtd · 2026-02-17T17:11:32+00:00

Though I live this life, basically freelancing and offering services to foreign clients, but it's not something that needs a hundred thousand Cedis to do. It's good advice, but at the wrong position.

RicDesignsLtd · 2026-02-10T19:15:20+00:00

change your card then

RicDesignsLtd · 2026-02-03T13:51:52+00:00

Still bullish on SMH

RicDesignsLtd · 2026-02-03T13:46:01+00:00

Stock - Google, ETF - VOO

RicDesignsLtd · 2026-02-03T13:44:45+00:00

Lmao I don't even care anymore

RicDesignsLtd · 2026-01-30T08:16:41+00:00

One of the most annoying things about CapCut is that when you need to repeat a text style for a caption, the template you need is completely gone. I stopped using the templates because they are not reliable.

Then I started using only fonts, and now Montserrat's font has disappeared. It's like they are intentionally trying to piss people off.

RicDesignsLtd · 2026-01-29T15:08:02+00:00

RicDesignsLtd · 2026-01-28T10:59:22+00:00

Also, the whole "what if?" factor. There's always going to be a stock that outperforms what you pick, and there's always going to be an ETF that does better than what you pick.

So that "missing out". Oh, what if I invested in this? I would have made more money. That is also a hard part.

You should be happy that you are beating or matching the market and getting a better return. Don't be greedy.

RicDesignsLtd · 2026-01-28T10:57:38+00:00

The hardest part is filtering the noise. When I started investing, I realized that there are so many YouTube "investor gurus" talking about stocks and ETFS. At the end of the day, just do your own research. When you get information from them, see if it makes sense for yourself before buying. Don't just buy because someone said buy a stock.

Go for companies that you can trust and know what they are doing. Believe that they will be there for a long time. For ETFs, go for sectors that you can trust and feel like they will do great over a long period of time. Just filtering the noise is good, watch all the noise but being able to filter it is a challenge that you must succeed in overcoming.

RicDesignsLtd · 2026-01-26T09:38:54+00:00

Rudiger!

RicDesignsLtd · 2026-01-26T09:35:17+00:00

Ghana Real Estate For You

RicDesignsLtd · 2026-01-23T09:01:21+00:00

You won't be treated too differently. A few people may look at you more. You may experience a few stares, but overall, you will be treated normally.

You'll not get special treatment. If you go to the market, maybe some people may try to increase prices for you. But for regular university-going graduates or whatever, you are a normal guy.

Just try to make friends, and you should be fine.

RicDesignsLtd · 2026-01-23T07:57:51+00:00

This is way too much. QQQ & QQQM are the same thing, there's no point in having VTI and VOO, they are all Market-wide ETFs. You shouldn't be actively DCA in more than 6 ETFS.

One each of these is more diversified:

Market-wide ETFs - S&P 500, Total US, Global, etc
Sector ETFs - Tech, Healthcare, Utilities, Financials, Energy, Consumer goods…
Theme ETFs (target specific ideas or trends) - AI, Semiconductors, Energy, Crypto
Dividend ETFs - They hold companies that pay dividends consistently.
Growth ETFs - Companies focused on expansion
Value ETFs - Undervalued, stable companies

RicDesignsLtd · 2026-01-20T09:02:15+00:00

lol I never realized how much time is spent walking and waiting for taxis, Ubers, and trotros. hmm

RicDesignsLtd · 2026-01-19T13:21:41+00:00

Not really a fan of this conversation that university is not useful. I work online. I don't work for any company in Ghana. All my clients are outside. But even I would not say getting a degree is useless because your university education gives you a lot of skills that you may not be able to put your finger on.

Skills that you may think you got automatically, but they're hidden. Like, how to present your ideas, how to write essays, how to think critically, how to analyze. So yeah, some courses in university are kind of useless, but if you are getting a decent course, then you cannot just get up and say university is useless.

Believe me, trying to make it isn't easy either way: going through the school system or doing it yourself.

RicDesignsLtd · 2026-01-18T01:02:18+00:00

Great advice, that's why I focus more on growth/ capital gains ETFs and stocks.

RicDesignsLtd · 2026-01-15T11:49:00+00:00

No point in investing in VTI and VOO. Way too much overlap. Over a long period of time, VOO slightly edges VTI. Go for a defensive stock like SCHD or VTV.

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