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A new regional banking survey has revealed a cautious investment climate in Ghana, with treasury bills dominating as the preferred financial instrument while a significant proportion of young people remain completely disengaged from investing.
According to KPMG’s 2025 West Africa Banking Industry Customer Experience Survey, 25 percent of Ghanaians prefer treasury bills, while 11 percent opt for fixed or term deposits. More strikingly, 43 per cent of Gen Z respondents reported having no investments at all.
The findings point to a conservative financial environment shaped by lingering economic uncertainty, where households prioritise capital preservation over higher-risk, higher-return opportunities. Treasury bills continue to attract strong demand, reflecting a preference for secure and predictable income streams amid a still-fragile recovery.
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The survey highlights notable differences in investment behaviour across age groups.
Among respondents aged 60 and above, 32 percent favour commodities such as precious metals, while 30 percent prefer treasury bills, signalling a strong inclination toward tangible and stable assets.
Millennials are also showing signs of retreat from investing. Thirty-five percent report having no investments, up from 32 percent in 2024 and 17 percent in 2023. Among those who remain active investors, treasury bills are again the most popular option, chosen by 28 per cent.
However, Gen Z presents the most significant participation gap, with nearly half of respondents reporting no investments whatsoever.
The survey attributes this disengagement among younger people partly to changing financial priorities. Many are focused on flexible income streams and side hustles to manage daily living costs, leaving limited surplus for long-term financial planning or wealth accumulation.
The findings highlight two major trends shaping Ghana’s financial landscape:
- A flight to safety among active investors, with strong demand for low-risk instruments
- A growing investment participation gap among younger demographics
Analysts warn that the widening generational divide could have long-term implications for savings mobilisation and capital market development, potentially slowing the growth of domestic investment pools needed to support economic expansion.
The report suggests that addressing financial literacy, improving access to investment products and creating incentives for youth participation may be critical to strengthening Ghana’s long-term financial resilience.
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