For years, investing in Zambian Treasury Bills and Government Bonds meant navigating stacks of physical paperwork, visiting bank branches in person, and waiting days just to confirm an account opening. With the rollout of the Bank of Zambia Central Securities Depository (CSD) Investor Portal, individual retail investors can now register, submit competitive or non-competitive bids, … Read more
When evaluating Government of the Republic of Zambia (GRZ) bonds, the headline numbers are compelling. Securing a 10-year or 15-year bond offering a 16% to 17% semi-annual coupon rate appears to be an effortless way to compound wealth. However, savvy investors look beyond the nominal yield (the advertised interest rate) and focus on the real … Read more
For fixed-income investors in Zambia, Government of the Republic of Zambia (GRZ) bonds are a primary tool for compounding wealth safely. However, traditional bond investing comes with two main challenges: The Bond Laddering Strategy solves both problems. By staggering your capital across multiple maturity dates and coupon cycles, you can create a smooth, near-monthly stream … Read more
If you are looking to invest in publicly traded Zambian companies, the Lusaka Securities Exchange (LuSE) mobile app makes buying and selling shares accessible directly from your smartphone. Instead of physically visiting stockbrokers or filling out manual trading forms, the app gives retail investors a direct, digital doorway to local equities and securities. This guide … Read more
When you invest in Government of the Republic of Zambia (GRZ) bonds, you commit capital across multi-year horizons—ranging from 2 to 15 years. However, life happens. Whether you are facing an urgent liquidity need, seeking funds for a new business opportunity, or rebalancing your investment portfolio, you might need your money back before your bond … Read more
Every month or quarter, the Bank of Zambia (BoZ) issues hundreds of millions of Kwacha in government securities. While anyone with a local bank account and a Central Securities Depository (CSD) profile can participate, how you submit your application determines how your yield is set. When applying for a GRZ bond auction, you must choose … Read more
When looking to grow your Kwacha in Zambia’s fixed-income market, the two primary instruments issued by the Bank of Zambia (BoZ) on behalf of the government are Treasury Bills (T-Bills) and Government Bonds (GRZ Bonds). While both are sovereign debt instruments designed to preserve capital and yield higher returns than standard bank savings accounts, they … Read more
Introduction When looking to grow wealth safely in Zambia, standard bank savings accounts often fall short against inflation. That is why a growing number of Zambians are turning to government securities in Zambia—specifically, government bonds. If you have already decided that you want a predictable, secure financial asset to diversify your portfolio, this step-by-step Zambia … Read more
Chilimba is one of Zambia’s oldest and most widely used informal savings systems. It’s a type of Rotating Savings and Credit Association (ROSCA), where a group of people agree to contribute a fixed amount of money at regular intervals, and each member receives the entire pooled amount in turn. (Boz) How Chilimba works Here’s a … Read more
If you currently have an active loan with Zamloan and need to access additional funds before your final installment date, you can apply for a loan top-up. The automated underwriting engine evaluates your eligibility based on your account performance and current financial standing. Zamloan Top-Up Requirements: A Step-by-Step Guide If you have an active loan … Read more
