"Everyone talks about shares and bonds, but I honestly don't know the difference..."

You're not alone! Most young Rwandans hear these terms but feel lost:

So, let’s break it down!

SHARES = OWNERSHIP

✅ You buy a piece of the company.

✅ Company does well → You win (dividends + price goes up).

✅ Company struggles → You lose (price goes down).

✅ Higher risk = Higher potential reward.

📌Example: You buy 100 Bank of Kigali shares, and you own part of the bank!

BONDS = LENDING

✅ You lend money to government/company.

✅ They promise to pay you back + interest.

✅ Safer than shares (guaranteed payments).

✅ Lower risk = Lower returns.

📌 Example: Lend the government RWF 100K, and get back RWF 115K in 3 years.

Quick Decision Guide:

- Want steady, safe returns? → BONDS

- Want higher growth potential? → SHARES

- First time investing? → Start with BONDS

Think of it like this:

Shares = Buying a house (own it, value can go up/down).

Bonds = Lending money to a friend (they pay you back with interest).

Still confused?

Drop a comment below and we will put you through.

What are you starting with on your first investment?

#FinancialLiteracy #RSE #InvestSmart #SharesVsBonds #WazoPlus #MoneyTips #YouthInvesting #LearnToInvest