Zambian Money

27/08/2026

ANNUAL INFLATION DROPS TO 6.2 FROM 6.5
Annual inflation for August 2026 was recorded at 6.2 percent down from 6.5 percent recorded in July 2026. This means that on average, prices of goods and services increased by 6.2 percent between August 2025 and August 2026.

Source: ZamStats

06/08/2026

TREASURY BILLS VS UNIT TRUSTS: WHICH ONE IS RIGHT FOR YOU?

If you had K5,000 today, would you invest it in Treasury Bills or a Unit Trust?

Don't answer just yet.

Let's first understand the difference.

TREASURY BILLS

When you invest in Treasury Bills, you're lending money to the Government for a short period.

Treasury Bills are available in four tenors:

• 91 days

• 182 days

• 273 days

• 364 days

The minimum investment is K1,000.

At the end of the investment period, you receive your investment back plus the return you earned.

Treasury Bills are generally considered a lower-risk investment because they are backed by the Government.

UNIT TRUSTS

A Unit Trust pools money from many investors into one fund.

A professional fund manager then invests that money in a mix of assets such as shares, Treasury Bills, Government Bonds and other investments.

Instead of choosing investments yourself, experienced professionals manage the fund on your behalf.

One of the biggest advantages of Unit Trusts is that you can start investing with as little as K200, depending on the fund.

So, what's the difference?

Treasury Bills

✅ You invest directly in a Government security.

✅ Short-term investment.

✅ Minimum investment of K1,000.

✅ Fixed investment periods of 91, 182, 273 or 364 days.

✅ Your money is generally tied up until the Treasury Bill matures.

Unit Trusts

✅ You can start with as little as K200.

✅ Your money is managed by professional fund managers.

✅ Your investment is diversified across different assets.

✅ You can generally access your money more easily by redeeming your units, subject to the fund manager's terms and processing times.

Which one should you choose?

If you have K1,000 or more and you're looking for a short-term, lower-risk investment, Treasury Bills may be a good option.

If you're just starting your investment journey, want to invest smaller amounts consistently, or value easier access to your money, a Unit Trust could be a great place to begin.

Remember, you don't have to choose one over the other.

Many investors include both in their portfolios because each serves a different purpose.

Which would you choose, Treasury Bills or a Unit Trust? Let me know in the comments.

03/08/2026

Need or Want?

This simple question can change your finances.

• Needs come first.
• Wants can wait.
• Knowing the difference prevents overspending.
• Every good budget starts here.

What's one "want" you can skip this month?

31/07/2026

Good Debt vs Bad Debt

Not all debt is harmful.

• Good debt helps you build wealth.
• Bad debt finances things that lose value.
• Borrow with a clear purpose.
• Always have a repayment plan.

Is your current debt helping you move forward - or holding you back?

21/07/2026

The Biggest Obstacle to Wealth Isn't Low Income - It's Living Without a Plan

Many people believe they need to earn more before they can improve their finances. In reality, many financial challenges begin long before income becomes the issue. Without a plan, it's easy to spend first and hope there's something left to save.

A simple monthly budget allows you to:
• Know where your money is going.
• Prioritise essential expenses.
• Save consistently.
• Reduce financial stress.
• Prepare for unexpected events.

Your budget is more than a spending plan, it's a roadmap to your financial goals. Every Kwacha should have a purpose.

Remember:
You don't build wealth by earning alone.
You build wealth by managing what you earn wisely.
What's one financial goal you're working towards this year?

16/07/2026

Saving Is Good. Investing Is Better. Knowing the Difference Can Change Your Financial Future.

Many people use the words saving and investing interchangeably.
They are not the same.

Saving is setting money aside to meet short-term needs or emergencies. It gives you security and peace of mind. Investing is putting money to work with the aim of growing your wealth over the long term. While investments carry varying levels of risk, they also offer the opportunity to outpace inflation and build lasting wealth.

Think of it this way:
• Saving protects your money.
• Investing grows your money.
Both are important.

Before you begin investing, make sure you have:
✔ An emergency fund
✔ A budget you can stick to
✔ No high-interest debt
✔ Clear financial goals

Financial freedom isn't built overnight. It starts with understanding the purpose of every Kwacha you earn.

Question: Which do you currently focus on more - saving or investing?

12/06/2026

An IPO for SpaceX on the cards!

The public sale is also expected to make Elon Musk the world's first trillionaire.

12/06/2026

Big news for investors: Market View is now live!

Now your investing experience is upgraded on Lusaka Securities Exchange website with access to the following:

- Bid & Offer Quantities
- Order Book
- Market Capitalization

The best part? No login required. Simply visit the link, click Market View, and the market opens up to you instantly.

You may follow this link: https://marketview.luse.co.zm

09/06/2026

The market dropped by 0.05% in today's trading session

Get in on the action with the LuSE App https://bit.ly/m/luse

28/05/2026

ANNUAL INFLATION
Annual inflation for May 2026 was recorded at 6.6 percent from 6.8 percent recorded in April 2026. This means that on average, prices of goods and services increased by 6.6 percent between May 2025 and May 2026.

Source - ZamStats