Aliko Dangote on the Forbes Billionaires List

Aliko Dangote on the Forbes Billionaires List

I have been impressed and inspired by the astounding performance of an African(Nigerian) Aliko Dangote, the chairman and founder of Dangote group.His entrepreneurial skills have made him land on the 51st position on the forbe's list of richest men and women on contemporary world. Aliko Dangote is estimated to be worth Usd 13.8Bln, through his conglomerate Dangote Group! It was from humble start in trading of sugar,flour and Cement that led to this mega success.
I believe that white,black, indians and whatsoever race are equally capable of achieving world goals and cracking long time imposed stereotype on race differences.
Get inspired and make your moves forward!


Emmanuel Akyoo,
Managing Director,
Epak Capital limited
cell:0784-146-756

U JUST MISSED TZS 5 MILLION OUT OF CRDB SHARES!

Working hard perse was the way of the past whereas to-date working hard, information and shrewdness are key to our way towards successful life and financial freedom.Just between January and today for a medium investor/speculator you would have gained 45% on you investment in CRDB Shares or 11% on DCB shares.Would you have invested TZS 11 million in Dec 2010/Jan2011, today your shares would be valued at TZS 16 million. Despite the astonishing performance of the shares still foreign investors appetite has been pushing the price of the shares upward!
Below I have analyzed current prices versus year 2010 performance of major and listed banks in Dar es Salaam stock exchange. Current prices seem to value CRDB Bank 44% above its book value and NMB 41% above its book value and amazingly DCB is valued 32% below its book value.Strategically, one could balance his or her portfolio between CRDB and DCB or a mix between NMB & DCB!DCB bank is well known for its consistent dividend payout culture!
P/E for DCB is 3 years, while for CRDB is 7 years, NMB is 6 years! P/E ratio indicates shareholders believe in the bank and appetite for the bank shares.Higher P/E ratio implies long payback period and lower returns on your investment in most cases.
CRDB Staff Seem to be more productive than other banks with Average earning capacity of TZS 35Mln, followed by DCB 24Mln, NMB 21Mln and lastly NBC staff average of 2mln. However in 2010 NBC was affected by the group synchronization initiative which saw huge amounts written off the books as impairments and bad debts.
You can learn more things concerning markets and stock business through perusing this site and through direct communication with the publishers of this blog.


SUMMARY CRDB PLC, NMB, DCB , NBC
Market Cap.(In Bill.) 348.24 : 325 : 10.04 : N/A
Net Assets(Bill.) 242.28 : 230.51 : 14.87 : 153.08
Market value/Book value 144% : 141% : 68% : N/A
Market price 160 : 650 : 310 : N/A
Earnings per Share 22.86 : 107.96 : 99.21 : 2,289.00
Expected Dividend 10 : 40 : : 49.00
Earnings yield 14% : 17% : 32% : N/A
Dividend yield 6% : 6% : 16% : N/A
P/E ratio 7 : 6 : 3 : N/A
Productivity
Av. Earnings/branch(Mil.) 815 : 388 : 803 : 43
Av. Earnings/employee(Mil.) 35 : 21 : 24 : 2

Epak Capital Ltd, is looking forward to mobilize resources from potential investors who will pay a minimum fee of five percent on their investment and 20% of the profits generated! We are looking forward to offering several packages to our clients. Education on investment in stocks can be offered personally or through group arrangements! My eye these time was on bank in future we shall have a look on other caterogies available in the market!

Emmanuel Akyoo,
Managing Director,
Epak Capital Ltd.
0712-459035, 0784-146756

Dollar Cost Averaging a Nice Investment Strategy

Dear Friends and my lovely clients, its ripe time for us to learn about different investing strategies.Most of us have been focusing on quantum leap instead of incremental growth. This has failed many people in life. Many people come to realize that they would have achieved more in life if they invested at least 10%-20% of their monthly incomes in sound investment vehicles.
With help of consultants or shrewd investors someone can amass a lot of wealth through great investment strategies. I get embarrassed to see some people who had great opportunities in life fail to deliver. It will be a great sorrow to our generation if 20 Years to come we will not have crunched the numbers.One of the greatest opportunity we have if we live that longer is time.
Dollar cost averaging is a type of investment strategy whereby an investor sets aside a fixed amount of money that is channeled into investment in capital markets(stock markets)either monthly, quarterly or semi annually for a long period of time. This strategy is more convenient for persons who receives fixed incomes after every certain period of time. For example, an employee receiving a net salary of TZS 500,000/= can spare TZS 50,000/- for investment every month. If this process repeats for a period of 20 years and the portfolio returns average at 20% per year this person will have created a net worth of TZS 155,483,000.00. Making this much wealth without even cracking much of your head! currently fifty thousand can be consume by two persons in an average dinner outing! spare one great dinner every month and make TZS 155 Million in twenty years.
Advantages of DOLLAR COST AVERAGING: First,when the stock price goes down you get more number of shares and when it goes up you get less number of shares therefore your price adjusts to give an average cost over time. Secondly, Installments are reasonable and affordable. Thirdly,building a great habit of saving and investing every month. Forth, Learning about market behaviors over time therefore building a great investment knowledge.
I would advise investment dummies and risk averse interested investors to adopt this strategy. As time goes on i will unveil to you different investment strategies that will fast track our journey to financial freedom.
Imagine when time come and you have no financial constrain whatsoever!
Lets keep on investing daily and always! Investing is a process which starts when you have nothing to the time when you are endowed with abundance.


Thank you for reading this Article! I would love to receive your feedback via message or comment.

Emmanuel Akyoo,
Managing Director,
Epak Capital Ltd, Box 110222 DSM.
+255712459035 or +255784146756

Dar Es Salaam Community Bank(DCB) a great buy opportunity!

Some of DSE trading stocks have been highly undervalued and presents a great opportunity to investors in the bourse. Among the companies that fell in my sight is Dar Es Salaam Community Bank which as per 31st September 2010 carries net Asset of TSh.13Bln While the market Capitalization stands at TZS 9Bln, a huge TZS 4Bln difference.
This indicates that the company has a negative goodwill which is not the case for the small fast growing bank. According to our expatriates at Epak Capital Ltd, the small Bank is undervalued by at least TZS 4Bln. Currentlty the price per share is TZS 280 and the fair valuation of the company bring the value at TZS 400 per share. There is 120 TZS per share to be gained when the real value of the company prevails. This is an equivalent of 42.9% capital gain in a period of around six to twelve months from Start of this year,2011.
Further, The company's favourable dividend policy has seen the company payout a dividend of TZS 20/share in 2008, TZS 28/share in 2009 and for year 2010 which the company performed even better analysts expect a dividend between TZS 35 and TZS 50. If the company pays out a dividend of TZS 40 per share this will be an equivalent of 14% return on your investment(at current price of TZS 280/share).
Given the expanding bank industry the potential for strategic banks like DCB is limitless. Instead of young investors going for very expensive shares i would advice them to buy DCB and CRDB shares which have a room for great capital gain.

Emmanuel Akyoo,
Managing Director,
Epak Capital Ltd.
P.O.BOX 110222 DAR ES SALAAM,
0712-459035/0784-146756

A Great Year 2011

After three years of economic slump the world seems to be emerging again to its business as usual times. East African stock markets are not left behind in this economic recovery of the world.
The performance of CRDB Shares in December 2010 from market price of Tsh 110 per share to the high of Tsh.130 per share in january 2011 an equivalent of 18.20% gain in market value reflects investors confidence in the bank performance and on expected distributable dividends.
Also, we have seen blue chip companies like TBL,Twiga,Simba with high demand from local and foreign investors.
We expect new listings in the first quarter of 2011 as it was reported in the end of 2010, companies like Precision Air(PW) and National bank of Commerce(NBC Bank) were preparing to list on the Dar bourse.Further, we expect National Media Group, locally operating Mwananchi, The Citizen and Mwanaspoti newspapers to cross-list on the Dar es salaam stock market.
Follower of this blog(investors) are adviced to prepare and organise for funds to invest in these upcomming opportunities.
However, Investment in stocks requires temperament and some knowledge of the company you are interested into. For more education and information on common stock, bond investments you can set an appointment through below contacts.

Emmanuel Akyoo,
Director,
Epak Capital Limited
email: emmakyoo@yahoo.com
Mobile: 0712-459035, 0784-146756

Epak Capital Ltd Streamlining to Real Estate & Investment

Epak Capital limited is anouncing to her customers/clients that from 1July 2010 will be focusing on Real estate and Investments. From this source of information our followers and prospective investors will be supplied with current information parteining to hot real estate deals, Stocks and bonds in Tanzania.
We have qualified personel in place and we are looking forward to give you exactly the value for your money.
Also, we are looking forward to see you creating wealth through making well thought financial decisions over time.Couple of our clients have come back to us thanking us for giving them financial skills and raising their financial literacy for a measly fee.
We are looking forwarding to see you becoming one of our greatest beneficiary. We will plan togather and will work togather for a little fee which you will never regret in your life.
We accept everyone interested in building a stable base of wealth and contributing positively in the region's economy.

Emmanuel Akyoo,
Director Epak Capital Ltd
Dar Es Salaam.

Contacts: 0712-459035

Epak Capital Limited Adds new product

Epak Capital has added a new service aiming at assisting small and medium business.
For Start ups companies - we develop realistic Business plan which can enhance aquisition of finances and Capital from financial institutions and Angel investors.

For Medium companies- we offer ccounting services, book-keeping and.
strategic growt plan.
At Epak Capital we believe that lack of plan is definitely a plan to fail. For a business to survive in this turbulent business environment should be capable of foreseeing trouble,challenges and providing for these contingencies.

No matter how small your business is you can outsmart the 'big fish' in the ocean given that you take your business seriously.

Nature is irresistible, it is difficult for someone to stand against the natural forces. But with ease you can flex your principles, ethics and other values so as to dance well with the natural music.

No matter how good your business idea is without serious dedication to it, nothing tangible can be realized.

Emmanuel Akyoo
Director, EPCL

Investment Opportunities & Business Development

Epak Capital Limited is a local(Tanzanian) company which focus on capitalizing on unfolding African opportunities. We enable/facilitate investors from all over the world to invest in East Africa by offering consultancy, doing intesive research and analysis.

We lead and act as agents to our business partners. It is difficult for an investo residing outside East Africa to make a close follow up of his investment(portfolio)in Africa.Epak Capital Ltd a fully professional Company has buit a good reputation in the region.

Business plan, Management, investment is what we are mostly interested in serving our partners. We are looking forward to serving you best.

East Africa The Rising Star

Recently, East Africa has transformed itself to become one of the most promising trading and investment bloc in Africa. we have seen several world-class conferences relocating to the East African territory, from CHOGM, WEF-AFRICA, SULLIVAN SUMMIT, JAPAN INVESTMENT FORUM and many others which have contributed to the spotlighting of the region.
Uganda is joining the league of African oil producers, following the surging prices it has being mouth-watering energy hungry states, China, India and has increased her importance to the region tremendously.
Tanzania and Kenya have become strategic gateway for the landlocked contries in the bloc, Burundi, Rwanda and Uganda.
Kenya being the largest economy and most industrialize in East Africa will have expanded its potential market especially when the East African Common Market will be fully operational from 1st July 2010.
Given the future economic outlook of the East African block it will become synical for one to ditch the attractive opportunities emerging from this bloc(EAC).

Featured by,
Emmanuel Akyoo
Prominent Analyst
Director of Epak Capital Ltd.
Contacts:+255-784146756