Posts tagged investment
First investor distributions 6.4% higher than projections

4 years ago we started supporting the first small cohort of students in Ghana with the goal of proving that an investment model has the potential to break down financial barriers to higher education. Over the following years we supported 4 cohorts and 221 students. 221 students that instead of street vendors or subsistence farmers will become future leaders in science, engineering, medicine and business. These 221 students show that an investment model can indeed accomplish equitable access to tertiary education and create value for both students and investors.

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Brighter Investment on TV

Richard Adarkwah and Joy Lamptey, the Regional Manager and the Student Success Manager for Brighter Investment in Ghana, are interviewed on AAU Talks about financing higher education in Africa. The Association of African Universities (AAU) is the official African Union body representing all higher education institutions within that Union. The full 50 minute interview can be found on the AAU Facebook page and is definitely worth a watch. But if you’re short on time, here are our 6 favorite parts.

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Why are degrees in arts and humanities not worth investing in?

The Brighter Investment model, an investment in a student's higher education in return for a % of their future income, naturally results in a focus on the brightest students pursuing the degree programs with the best career potential. The consequence of this focus on career potential and income, is that the majority of degrees Brighter Investment supports are programs in science, technology, engineering, medicine as well as certain business and finance degrees. Degrees in art and the humanities are examples of areas that we currently don’t support students in. Why not? And should that change?

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Why we care about investing in African students & why you should as well

In our recent blog posts we dove into how our student investment model works and we presented metrics that show that it actually works. We also answered the most frequently asked questions except for one, a very simple one: why? Why have the people on our team decided to do this? And what do we ultimately hope to achieve with Brighter Investment?

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Answers to the most frequently asked investor questions

In 2015 Brighter Investment supported the first high potential students in Ghana. The deal is: we pay for their higher education, and after graduating students repay our investors a percentage of their income. After investing in a second cohort in 2016 and a third cohort in 2017, we shared a blogpost last month that describes that this model works and is an attractive investment with tremendous social impact. Following this post we received many questions from interested investors. Here are our answers.

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Thijs Mathotinvestment
It works - Repaying students outperform projections

In 2015 Brighter Investment supported the first high potential students in Ghana. The deal is, we pay for their degree, after graduating students repay our investors a percentage of their increased income. Initially our projections were based on data we got from research and partners. Based on this data, we have been able to make reliable projections for our investors' ROI. However, as our model was unproven, we based our projections on conservative values for these relevant variables. Now, 2,5 years into the program, we can show that our first graduated and repaying students are indeed performing better than our conservative projections and are proving the validity of our investment model.

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Should we be exporting a broken model?

Lately, there is a lot of media discussion on the student loan crisis in North America. With documentaries, tech startups, a US government task force, and an endless stream of articles decrying the current state of affairs with student loans, it’s understandable that a lot of well-meaning individuals ask: “There is a student loan crisis in the US. Do we really want to export that model to the developing country and allow private investors to reap the returns?”

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Income sharing agreements - The low risk option for students (and investors)

Brighter Investment’s mission is to ensure that every talented student worldwide can afford quality education. In this mission, quality is not limited to good teachers and effective state of the art education, but includes long term value creation for the student. Unfortunately in North America many students end up with a very low or even negative return on their higher education investment. This post describes why that problem does not apply to Brighter students.

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2017 was bright, 2018 will be brighter!

On behalf of the whole team, we’d like to wish you a bright and successful 2018. Last year was a good year for our investors, and a great year for our students. Our focus for 2018 will be on growth so more investors, and even more students, can share in the value created by the degree programs offered at our partner universities.

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Goldman Sachs: Home bias could negatively affect your investment portfolio

Reluctance to invest abroad damages portfolios in the long-run, according to research by Goldman Sachs. A more diversified portfolio would cope better with shocks. Jose Usrua, a global economist at the bank, stated that over the last decade capital has remained mostly on home ground. "Over the medium-run, home bias can either be a curse or a blessing, depending on  where shocks originate. Over the long-run, however, high levels of home bias are likely to reveal diversification pitfalls that could be damaging for global investment portfolios."

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New report: Millennials set to shake up Canada's investment industry

A new report by the Responsible Investment Association shows that Millennials – the generation between 18 and 34 years old – are significantly more likely than previous generations to show interest in responsible investments. Since Millennials are now the largest demographic in North America’s workforce, and are set to inherit more than $30 trillion in the next few decades, responsible investment advisors and RI fund companies are positioned reap the rewards by engaging this emerging generation of investors.

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