Five budget friendly ways to show love this valentine

Five budget friendly ways to show love this valentine

Love is a beautiful thing! But it can also be expensive, especially at a season like Valentine. While it is OK to splurge on the person you love, sometimes you are unable to. Your wallet and your heart just refuse to cooperate. We feel your predicament and agree that you and your bae still deserve a good time, even if you are not balling right now. Let’s hook you up with a few not -so- expensive ways to show your boo you care and give you both memories to treasure.

  1. Dinner for two- at home

Who says a romantic dinner has to be at the most expensive rooftop restaurant in town? You can turn your balcony or a section of your house into the right atmosphere for an intimate dinner. What do you need? Two chairs and a table(not compulsory really, sitting on the floor can also be romantic), petals and flowers, good wine, soft music collection and good food. If you can cook, making the delicacy yourself gives it extra thrill (especially if you are a guy). Picking the right songs is also important, as is lighting. Create a walkway to the dinner table with the petals and provide desserts and appetizers.

P.S You have to handle this with all seriousness, even if it’s at home. Dress up, go all out, your date deserves it.

  1. Movie night – at home

Let’s be honest, all the big cinemas will be extremely full that day. Spend half of the money you would have spent at the cinema on good wine and corn which you can pop together at home. You can each select your favourite movie and enjoy the evening watching old movies while creating new memories.

P.S Don’t show up in your pajamas just because it’s your house. Dress appropriately, just as you would if you were going to the movies. Of course, popcorn fights are more than welcome.

  1. Handy man on duty

You know all those low key (or not so low key) complaints your beloved has been making about stuff that needs to be done around the house (especially if you are married)? Well, this is the perfect time to be Prince Charming. How about you take some time to actually change that padlock, repair that gadget, attend to all the little things you never have time for. You will be surprised at how pleased your spouse will be. Nothing says I love you like showing you listen and going out of your way to make him/her happy.

P.S Given that this is Nigeria, the above might not be enough to be termed a Val gift, consider buying the Gift of a Lifetime to complement this loving gesture.

  1. Art or Park day

If you both are into that sort of thing, you can easily find art galleries in your vicinity which you can visit at very little cost. You can enjoy an evening of interpreting art works together and taking pictures with your favourite pieces. Imagine how cute a picture of both of you at Nike art gallery will look on the gram. The danger with this is your boo might ask you to buy that art work she really loves. Well, you will need a creative response at this point. Alternatively, parks like Omu resort and Freedom park only demand an entry fee or no fee at all for a plethora of fun activities.

  1. Take her home to mama

This is the ultimate ‘I love you’ gesture. Give her the best valentine story to share with her friends by taking her home to meet your parents. This shows you are committed to your relationship and the future. It also makes her feel valued and puts her mind at rest.

P.S Be very sure you are in it for the long haul before you take her home. Once she bonds with your family my brother, just go and start ring shopping.

Lastly, experiences form the best memories, but keepsakes cement them. They are like tangible proof that the special moment happened. The perfect keepsake for beautiful valentine’s day memories is the Gift of a Lifetime, it is flexible enough to adjust to your pocket and keeps growing, making you look really good long after Valentine is over.

We wish you a happy valentine and a wonderful life filled with love.

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How to create a CV that gets you the job

How to create a CV that gets you the job

Your CV could be your ticket to getting your foot in the door for a job interview, and constructing one is easy once you know how. It is simply taking all your skills and experience and tailoring them to the job you’re applying for.

Here are a few tips to help you create a successful CV and hopefully land your first and future jobs.

Don’t mess up the basics

There are some common sections you should make sure you get right in your CV. These are: education and qualifications, personal and contact information, work history/experience, relevant skills to the job you’re applying for, own interests, achievements or hobbies, and some references.

Presentation is everything

Make sure you clearly present your CV on printed, clean and crisp white paper. The layout should always be clean and articulate. Never crumple your CV – using a big manila envelope helps to prevent this.

Remember to include your most important information in the upper middle area of the first page of your CV. It’s the CV hotspot and you want it to catch your recruiter’s eye.

Aim for two pages

A good CV is concise, clear and communicates every point without flickering. You don’t need countless pages – it’s not a writing contest. Keep things short and sweet. Tick the right boxes with your potential employer using your CV and if he/she is impressed, you may have yourself a job.

Again, you should know that employers get dozens of CVs all the time so it’s unlikely they’ll read each one page to page. Most employers often make a judgement about a CV within seconds, so stick to a maximum of two pages of A4 paper.

Never use a ‘generic’ CV

Every CV you send to a potential employer should be tailored to the role you’re applying for, so don’t get lazy and hope a general CV will work – because it won’t.

Read the details of the job description from start to finish – hidden within are clues you can use to tailor your CV to the role. When you’ve established what the job requires and how you can match each requirement, create a CV specifically for that role.

Take the time to create a unique CV for every job you apply for. No, I’m not asking you to re-write the entire thing every single time – instead simply adapt details so they are relevant.

Let’s talk skills, interests and experience

Under skills section of your CV, mention key skills that stand you out. Skills can come from the most unlikely places, so think deeply about all the skills you’ve developed over time. They may be:

  • Communication skills
  • Computer skills
  • Team playing
  • Problem solving
  • Or even speaking different foreign languages

Under interests, emphasize the things that show off skills you’ve acquired and that employers look for. Describe examples of positions of responsibility, working as part of a team or even remotely that clearly shows you can use your own initiative.

Be sure to include anything that shows how diverse, interested and skilled you are. Make yourself come across as interesting.

In the experience section, employ assertive and positive language under the work history such as “achieved”, “organized” or “developed”. Try to connect the skill you’ve learned to the job role you’re applying for.

Who you should list as referee

References should be from a former employer or someone in a senior position who has worked with you in the past and can corroborate your skills and experience. If you’ve never been employed before, it’s okay to use a teacher as a referee. Try to include two if you can.

Keep your CV up-to-date

Review your CV regularly and add new skills or experience that’s not there. Potential employers are impressed with candidates who go the extra mile to improve their own skills and experience.

 

When you get your job, be sure to keep tomorrow in mind and make plans for it before it comes. ARM Pensions is right here to help you plan for a better tomorrow.

 

 

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In the news: NSE all-share index plummets by 0.9%

In the news: NSE all-share index plummets by 0.9%

PUNCH

Forex: Banks cancel commissions on PTA, tuition, medical bills

Members of the Bankers’ Committee have agreed that banks in the country should stop charging commission on the sale of foreign exchange to customers, particularly those meant for Personal Travel Allowance, Business Travel Allowance, tuition and medical bills payment.

NPA declares N300bn revenue for 2017

The Nigerian Ports Authority on Tuesday declared a total revenue of N299.56bn for the 2017 fiscal year.

We’ve not withdrawn case against SEC, says Oando

Oando Plc has stated that its legal tussle with the Securities and Exchange Commission with respect to the planned forensic audit of the oil firm is still on.

VANGUARD

Banks’ lending to private sector drops to N15.74tr

Banks reduced lending to the private sector to N15.74 trillion in the fourth quarter of 2017 (Q4’17) according to the report released by NBS on Monday.

Discos distribute 3.45 million metres —- NBS

The National Bureau of Statistics (NBS) yesterday, said that the 11 Distribution Companies (Discos) have metered 3.45 million customers as at end of 2017.

THE NATION

Wike signs 2018 budget

Rivers State Governor Nyesom Ezenwo Wike has signed the 2018 Appropriation Bill  of the state into law. The governor  signed a budget of N510billion  passed by the  Rivers State House of Assembly.

AfDB okays $10million bond support fund

Board of the African Development Bank (AfDB) has approved  $10 million to the African Local Currency Bond Fund (ALCB Fund), to further enhance its portfolio and promote the development of domestic capital markets across the continent.

GUARDIAN

NSE all-share index plummets further by 0.9%

Equity transactions on the Nigerian Stock Exchange (NSE), continued on a downward note yesterday, as more blue chip stocks joined the league of losers, resulting to a further slide in the All-share index by 0.9 per cent.

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Retirement this year doesn’t have to be boring

Retirement this year doesn’t have to be boring

This is a big year for you. You’re retired now and it’s time to rest from all your years of hard work. You are excited to take the much-needed relaxation but somewhere in your heart, you can’t shake that feeling that you may get bored along the way.

But don’t overthink it. You can still have a retirement free of boredom.

Here are some tips to get you going:

Think big, act bold

The fact that you have retired doesn’t mean that you cannot set new goals and aim for new accomplishments. You can pursue a passion you’ve always wanted to like write a book, starting a blog, learning to dance or play a sport, or learning to play a musical instrument. You can also find new ways to employ the skills you developed during your career (such as becoming a public speaker, career coach to help the young ones in your same field) and even earn money doing it.

The point being that retirement shouldn’t stop you from thinking big, taking chances and being a bit audacious.

Make new friends, reconnect with old ones

Research shows that retirees with a firm circle of friends are much more likely to say they’re happy with their lives.

If you don’t have much friends, getting into new relationships may seem like an impossibility seeing as you’ve left work and perhaps have limited chances of meeting new people. Still, it can be done.

You can meet new people by volunteering for charity, taking a part time job, joining online groups that get together to pursue a common interest (Like fitness, dancing, books, writing) and even enrolling for courses at a University – all these are excellent ways to meet new people and widen your social network.

But while you’re making new friends, don’t forget to maintain relationships with older friends, the people with whom you shared life’s earlier experiences with before you became who you are today.

 

Grab opportunities to shake things up

Being able to relax without having a daily to-do list on one’s mind is one of the many perks of retirement. But a daily dose of relaxation or sticking too closely to the same routine can lead to boredom and create a sense of sluggishness. Therefore you should find ways to break out of the usual routine and spice things up occasionally.

That could involve something as simple as taking an unplanned road trip, trying out a new hobby, going away to a new city for some time, learning a new language etc. Do something that pushes you out of your comfort zone.

 

Bottom-line: The most important thing is to enter this phase of life unafraid of redundancy. Instead be open to new possibilities- be ready to seek out challenges and adventures.

 

 

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The jiffy that changes everything

The jiffy that changes everything

It was a day like every other.

I had closed from my office in Victoria Island and made my way to the bus-stop to get a cab home. 5.30pm was the usual rush hour in Lagos so I anticipated the heavy traffic- and grudgingly accepted it too. I didn’t wait too long before I got a cab and my long ride home started.

After several hours of snail-speed movement, we got to ‘Cele Bridge’. My cab driver announced that the road ahead was blocked, and it would take more than the expected time to reach my destination. I knew what he was getting at. Before I could voice it, he spat it out “Oga, you go add something for this money o. No be wetin I expect I dey see again”. As a proper Lagosian, I wouldn’t be caught in that trap, so I opened my eyes wide and put on my most intimidating voice before responding “Which kain talk be that one na? Abeg I will give you what we agreed o.” My retort seemed to work as the discussion ended as quickly as it begun.

When I saw that the traffic wasn’t moving, I reckoned that since my house was barely 10 minutes away I could as well alight and pick a bike home. I had done it before, so no big deal.

One minute later, I was out of the cab and about to cross the road to hail a bike when I remembered that my son had been haunting me since last night for his birthday gift. I went instead into an electronic store located beside the bridge to get him the PSP game he had always wanted. I could already hear his excited squeal and I see him doing his signature happy dance.

“Bike!” I shouted, a young bike rider stopped. I told him my home address, we agreed on the price and I hopped on. As he made his way, I thought of my little Sophie who was still down with cold and my wife’s text message earlier that day telling me to buy her drugs while coming home. I quickly told the bike rider to stop at Heavenly Pharmacy just down the road…

Suddenly a boy standing by the road ran right in the middle in a bid to make it across. I heard screams from passersby – and screeching of car tyres.  A failed brake system soon launched the bike rider and myself into mid-air. It all happened in a jiffy!

I landed on my back but a sharp pain in my leg begged for immediate scrutiny. I came to quickly and looked down fearing the worst, but it wasn’t as bad as I suspected. Call it grace or luck, but it would have been another story if I wasn’t wearing a good helmet. My bike rider wasn’t as lucky.

The bike was on him and I suspected his leg was crushed from the way he screamed uncontrollably. One look at him and my fears were confirmed. The onlookers who had come to assist soon got to work removing the bike on his leg. I got up and looked around for my things, gathering them with shaky hands as I made to walk away- but the ‘Good Samaritans’ wouldn’t have it.

They tried to hold me insisting that I may have internal bleeding, but I declared that I was fine. I needed to leave that scene. I was too disturbed to stick around. They let me go. I stepped away from the ruin and tried to walk. One step after the other, I walked steadily with some blood oozing from my wounds till I reached the pharmacy which was already very near. While Oga Chidi dressed my wound, I thought of what would have been if that accident had turned out another way.

Blood stains covered the PSP game I bought for my son. As I took cotton-wool soaked in water and cleaned off every red blotch, I imagined how everything would have changed for my family in just a jiffy.

I was lucky…too lucky. For many, that moment could mean that they remain bedridden for the rest of their lives. For others like Mrs. Abimbola Olamuyiwa and her family, such an instant changed everything. Watch her story here.

As I limped home, my eyes swelled with tears as I hugged my boy’s game, my laptop bag and Sophie’s drugs. I had been given another chance at life, at love, at hope. A chance that many are not opportune to have.

That jiffy of a second could have been fatal changing everything for my wife Blessing and our two children.

 

This article is brought to you by ARM LIFE.

 

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Enhancing productivity through employee engagement

employee_engaggement

January is hardly the brightest month for most people, including your staff. Particularly with the not so encouraging economic climate Nigeria experienced in 2017 which resulted in non-payment or part payment of bonuses for many people. Add that to fuel scarcity and the plethora of worrisome reports sweeping across the country and what you have is a nation of people just trudging along, hardly hopeful, simply taking life one day at a time.

Although, the lack of motivation is probably understandable, it is in no way favourable to your business. Unmotivated employees are largely disengaged and perform sub-optimally. This could easily reflect on service delivery, customer satisfaction and bottom line. While we hope for a better day in the country, the pointers below can boost  morale while increasing employee engagement and commitment to duty as the year unfolds.

  1. Change the scenery: little changes make big differences a lot of times, repainting your office, remodeling the front desk, office furniture or other items in the home or around the work place can provide your employees fresh burst of energy and newness that make them feel better about themselves and work.
  1. Acknowledge achievements: While the organization may not have exceeded its targets in the previous year, there may have been high points and notable achievements notwithstanding. Focusing on such highpoints and recognizing the brains behind them can boost staff morale, increase their sense of worth and inspire them to perform better in the current year.
  1. Switch up the schedule: Introducing something new to the regular schedule can also serve as a renewed drive. For instance, if status update meetings were   held on Mondays in 2017, consider moving them to Fridays this year.
  1. Reflect the bigger picture: Work often becomes monotonous and tiring, constant reminders of the vision that birthed the organization can instill a sense of purpose, belonging and drive towards accomplishing set goals.
  1. Promote from Within: This might be a bad time to employ a stranger to head a department. Offering opportunities for promotion to your employees serve as an avenue for growth within the organization and motivation for employees to increase productivity.
  1. Create time for fun: All work and no play can indeed make people very grouchy. Create room for fun occasionally. Perhaps a TGIF celebration every other month end, wellness and gaming facility (Table Tennis, Snooker, gym etc.) in a corner of the office. To improve employee engagement, office tournaments can be held periodically and the winners celebrated.
  1. Show that you care: Team bonding activities can feature in the year’s calendar of activities. Other notable activities to be introduced include staff retreats, knowledge sharing sessions, timeout with executives, town hall meetings where grievances can be aired and discussed without negative consequences to staff members. These provide opportunities for interaction with employees and display genuine commitment to their individual advancement.
  1. Provide ongoing training: Often, employees get complacent, demotivated, frustrated and eventually disengaged from work. These are evident in high rate of absenteeism, lateness to work, low productivity and attrition. Employers can prevent the aforementioned by ensuring relevant training and cross training for different jobs roles, job enrichment, job rotation, and role expansion to mitigate boredom provide opportunities to acquire new skills and take on higher responsibilities.

As your lifetime partners, we are committed to helping you realize your corporate objectives which include building a motivated, engaged, empowered and productive work force through employee engagement. Financial freedom is an invaluable motivator for employees which further enhances their well-being and sense of worth. Incorporating in the year’s calendar, non-work related programmes like personal financial planning sessions underscores your interest in employees’ welfare and increases their commitment toward realising corporate objectives.

Would you like one of our seasoned financial advisors to hold a session on personal financial planning with your staff? Please reach out to your relationship manager, we would be glad to oblige you.

Please do not hesitate to contact us for further enquiries.

On behalf of the ARM Team, we thank you for your invaluable patronage and wish you a productive and fulfilling year.

Five people you love who died without Wills

Five people you love who died without Wills

You know those people you admired from afar, secretly wishing they were somehow related to you. Even if they couldn’t be your father or brother, could they at least be a distant cousin? Any form of connection would do. You admired their success, the wealth they had built for themselves, the legacy they had created. You imagined how easy their lives must be, how doors would swing open at the mere mention of their names. Their families are lucky, you always concluded. Their lives would be a lot easier than the average person’s and their future secured. You could only imagine all the wealth they would eventually inherit if anything happened to the famous person they are related to.

Well, they may indeed have enjoyed benefits by reason of their relationship. But for some  of them, such privileges ended with the person’s demise. Surprisingly, loads of rich and popular people die intestate (without writing a Will), throwing the families they leave behind into conflict and confusion. Let us consider five famous examples.

  1. Bob Marley; Despite his widespread fame and exposure, Bob Marley didn’t write a Will!. He probably had hoped to live to a ripe old age but his four-year fight with cancer could somehow have prepared him for mortality and driven him to write a Will. Well, he didn’t and two decades later, his family are still frequenting court rooms debating the administration of the $30 million estate he left behind.
  2. Abraham Lincoln: Extremely famous lawyer who became America’s 16th president somehow died without documenting his wishes in a Will. Following his unexpected demise, his family had to employ the services of Justice David Davis of the United States Supreme Court to help in the administration of his estate.
  3. Martin Luther King Jnr: He had a dream and a family who loved him, but he didn’t have a Will. His estate has since been the subject of many law suits as his children and family fall in and out of disagreements as to how his estate should be run.
  4. Prince: Still fresh in our memories, Prince’s demise shook the world as did the petition filed by his sister closely after she lost her brother. Although there are speculations of a hidden Will somewhere in Toronto, the signs of a long family feud and court battle for assets are already evident.
  5. Pablo Picasso: One of the most revered artists to walk the earth lived well into his eighties but never came around to writing a Will. His large family comprising of wives, mistresses, children and more children were left to figure out what he had and what to do with his assets on their own.

Maybe you are not extremely rich and famous yet and your family is not large- you only have two children, a few cousins, grandparents, uncles and aunties, etc. It does not matter much. If you have  assets of any kind and people who love you about whom you also care, you should have a Will. Don’t wait until you have a house in Banana Island or Wuse II, start with those share certificates, that Retirement/Pension fund, those mutual funds, that plot of land. If you have any of these and more, my brothers and sisters, you have assets and you need a Will.

Ready to take the leap? Talk to our Estate Planning experts here, we’ll help you get your own EasyWill.

Still not sure you want to protect your family? Let’s convince you some more, learn more here.

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January salary, is that you?

January salary, is that you?

So you endured the 95 days in January, after balling in December, paying school fees, house rent and a million other bills

 

Then finally your endurance paid off and you see payday just ahead

 

Then you remember you borrowed money from Tunde and even took cash advance from your bank

 

While you are still trying to sort your confusion, you get a ‘just saying hi’ message from bae, because Valentine is around the corner

 

What a wawu! You can already see your account balance laughing at you like this

 

This 2018 must be different o, not that brokenness life you endured last year, you know it’s time to borrow yourself brain

 

You decide to check the ARM Money Market fund thing they have been making noise about

 

Chai, the thing is offering more than 12%  sha and you have been dulling all along

 

Quickly you sign up and set up a direct debit because this investment thing is not a joking sturv, no stories that touch please

 

Finally you can relax knowing you will ball through 2018, issa big boy

 

Wait, you still don’t have Money Market fund? Click here to sign up sharp sharp,  no excuses.

 

Welcome to the balling life, may your year be filled with Paydays!

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In the news: CBN pumps $304.4m into FX market

In the news: CBN pumps 4.4m into FX market

This Day

BDC Operators Hail Moves to Return Nigeria to JP Morgan Index

The Association of Bureaux De Change Operators of Nigeria (ABCON) has said the federal government’s plan to open talks with JPMorgan Chase & Co. for their reinstatement in the local-currency emerging-market bond index will bring great benefits to the economy.

Kaduna Refinery Shut over Lack of Crude

The Kaduna Refining and Petrochemical Company (KRPC) shut down operations on January 15 due to the non-availability of crude oil.

CBN Pumps Fresh $304.4m into Forex Market

The Central Bank of Nigeria (CBN) at the weekend intervened in the Retail Secondary Market Intervention Sales (SMIS) of the interbank foreign exchange market to the tune of $304.4 million.

Vanguard

Nigeria’s external reserves hit 4-year high of $40.3bn

Nigeria’s external reserves rose  to $40.33 billion last week, the highest in four years.

9Mobile: Stakeholders seek review of criteria for finalist bidders

With the nod said to have been given to Teleology Holdings as the preferred bidder for 9Mobile by the interim board of the company, all eyes are now on industry regulator, Nigerian Communications Commission, NCC, to authenticate or disavow the said sale.

$16bn Egina probe: NASS to amend Local Content Act

The Senate has said it will amend the Nigeria Oil and Gas Industry Content Development, NOGICD Act, 2010, noting that the existing law was not achieving the aims for which it was enacted.

The Nation

NSE implements new kobo-based pricing rules

The Nigerian Stock Exchange (NSE) will today begin the implementation of its amendments to the pricing methodology and par value rules, which remove the stopgap that has supported stocks at their nominal value and will allow shares of quoted companies to trade as low as one kobo.

Equities lose N462b amidst profit-taking

Nigerian equities came under intense profit-taking pressure last week as investors turned round to monetize capital gains that had accrued in three consecutive weeks of strong rally.

Nigerian Breweries lists 67.8m scrip shares

Nigerian Breweries has listed 67.8 million ordinary shares of 50 kobo each, increasing its outstanding issued shares from 7.929 billion ordinary shares to 7.997 billion ordinary shares.

Guardian

Insurers to lose N30b statutory deposit over unpaid claims

Underwriting firms in the nation’s insurance industry, who fail to pay genuine claims, risk losing substantial part of their cumulative N30billion statutory deposits, while managing directors of such firms would be sacked, industry regulator, National Insurance Commission (NAICOM) has warned.

Bloomberg

Gas Flaring Law Error Cost Nigeria Billions of Dollars

Africa’s top oil producer plans to make gas flaring more costly for companies that have escaped the payment of billions of dollars despite being fined, Nigeria’s Finance Minister Kemi Adeosun said.

MTN Sees Return to Profit for 2017 After Loss From Nigeria Fine

MTN Group Ltd., Africa’s biggest mobile-network operator by sales, said it returned to profit in 2017, recovering from a $1 billion fine it paid for its Nigerian business in the prior period.

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For smart investors only…

For smart investors only…

2017 was an eventful year for many. While the nation struggled to climb out of the muddy waters of recession and inflation, majority focused on getting. A few, however, discovered opportunities to thrive amidst the difficulties. Whatever side of the divide you belong, congratulations are in order, because you made it through and have now been presented with another chance.

Already, 2018 is proving to be quite a package. January is barely over and we have witnessed the recurring inconvenience of petrol scarcity, the buy-over of communication giants, the increasing popularity of cryptocurrencies and a host of other occurrences. All these coloured with the usual shenanigans of a pre-election year. Never the less, the year appears to be quite promising financially, particularly for those who are able to identify and latch on to opportunities.

Back to the Farm

For instance, avenues for wealth abound in the agricultural sector as attention is gradually shifting to agriculture as a source of national revenue. Investors who are savvy might reap bountiful returns in that sector. For palm oil companies in particular, we expect positive earnings growth in 2018 driven by a recovery in sales volume as we foresee subdued domestic prices over the year.

Going Up and Up

Also, reports of steady crude production and uptrend in crude prices allow for general optimism that the year ahead would be brighter than 2017 as these factors combined would drive further growth in the nation’s foreign reserves and fiscal revenues. This already suggests currency stability and higher economic growth in 2018.

Dollar Good. Naira Better.

Regarding opportunities in the stock market, we see value in the financial sector, particularly tier 2 banks. Earnings recovery is expected for those banks in 2018 as the general macroeconomic environment improves. Also, compared to their peers, the banks are undervalued which informs our view of sizable upside potential. Moving over to consumer stocks, there is strong prospect for even better earnings in 2018 because of the improved dollar liquidity which bodes well for expansion in profitability margins, and lower interest rate would drive a moderation in interest expense. For fixed income, the ongoing monetary easing, stability in currency and expected tamer inflation guides to lower yields on average in 2018 which would drive slower activities within the market.

Look out!

As always, there is still need to thread in caution as electioneering is often accompanied by complications. The slightest indication of a likely change in leadership could adversely affect investor interest. We however believe the excitement over growing reserves and improving economic growth will outweigh this concerns and drive activity, particularly for equities, at least in the first half of the year. In addition, despite the rally in equities in the prior year, our market remains undervalued when compared to emerging markets peers which should attract foreign investors with the stability in our currency ensuring this possibility.

Let’s Help You

One thing that will work for you this year is staying abreast of occurrences in the market. Fortunately for you, you can access real-time updates, market news and research on ARM Stocktrade. As long as you are trading on ARM Stocktrade, you shouldn’t go wrong.

We wish you a profitable 2018.

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