In Zambia, the Securities and Exchange Commission has as one of its prime objectives the eradication of fraud in the capital markets. Fraud in the capital markets refers to deceptive practices or schemes aimed at manipulating the market, misleading investors, or unlawfully obtaining money, securities, or other assets. It undermines investor confidence, distorts market efficiency, […]

A pay-out from the policy after the loss of a key person could help with the following situations: - Loss of profits- Having to recruit or train a replacement- The loss of important personal or business contacts due to the key person not being there to maintain a contract- Loss of goodwill which could have […]

In the view of Caravel Partners: Crypto has grown rapidly in the last few years, accompanied by a surge in speculative trading – which means people trading just because they have heard it may rise in value, rather than seeing evidence to support a potential rise. Crypto can be thought of as ‘digital representations of […]

Our own Investment Strategies illustrate the answer to this perfectly: Caravel Partners adopts a 'core and satellite' approach for our HNW offshore investment strategies. They work like this. The core of each Strategy is a Strategy-dependent model portfolio, actively-managed and risk-based, from Pacific Asset Management in the City of London, FCA-regulated of course. PAM as […]

What are these? Many private companies seek to raise cash by way of bonds. These range from listed corporate bonds through senior secured debt to mezzanine financing and private equity. The risk increases along that path as follows: In the offshore world, most instruments of this type (which are part of the Alternative Asset class) […]

Buffer exchange-traded funds (ETFs) offer a potential solution to a well-known problem in behavioral finance, which is that many investors find losses to be much more distressing than missing out on potential gains. Buffer ETFs have become one of the fastest-growing corners of the ETF market. Since 2018, over 250 buffer ETFs have been launched, […]

Funds like Exchange Traded Funds (ETFs) and mutual funds can help you build a diversified mix of investments. As the ETF market has evolved, different types of ETFs have been developed. They can be passively managed or actively managed. Passively managed ETFs attempt to closely track a benchmark (such as a broad stock market index, […]

Some companies are growing so quickly that selling equity today makes little sense, even if the proceeds of sale would further accelerate growth. In such case, the valuation of the equity of the Company today is a relatively small portion of the value expected to be realized by the company principals over the next two […]

Here are some of the key terms related to Islamic, or sharia compliant investing.  Riba The Islamic term for interest which is prohibited in Islamic/Sharia compliant financing.  Husna Simply defined, this is a godly loan. You borrow and return the same amount of money, meaning no one is increasing their wealth through interest earned on […]

What is Islamic, or Shariah Compliant Investing? Islamic, or Shariah Compliant Investing, is a type of investment that must follow Islamic Law. It is known as socially responsible investing due to the specific requirement to access the fund that complies with Islamic principles. As charging interest is prohibited, Islamic banks agree to a certain amount […]