In an eye-opening episode of The Table with Anthony O’Neal, nationally bestselling author, speaker, and financial expert Anthony O’Neal sits down with Jay from The Adinkra Group to unpack the real opportunities for building generational wealth in Ghana — and why so many in the diaspora are quietly shifting investments to the “motherland” in 2026.

Titled “Why Smart Americans Are Quietly Moving Their Money to Ghana (2026 Playbook),” the January 14, 2026, YouTube episode has quickly gained traction among the global African diaspora, returnees, and expats seeking financial diversification beyond traditional Western markets.

O’Neal, known for helping millions eliminate debt and build wealth, shares how his own perspective shifted dramatically after visiting Ghana — moving from misinformation to active investment in real estate, education, and community development.

“We were sold a narrative of poverty to keep us from the reality of profit,” O’Neal says in the interview, recounting his shock at seeing luxury homes, swimming pools, and thriving businesses upon first arriving in Ghana. “While we were afraid to visit, the rest of the world was already there building their fortune.”

Jay, a seasoned diaspora connector who has led thousands on trips to Africa, explains how Ghana’s real estate market offers significant appreciation potential. He shares concrete examples:

-Luxury condos purchased pre-construction for $140,000–$150,000 are now selling for $250,000–$260,000 before completion.

-Properties in prime Accra locations are appreciating rapidly, with Airbnb potential during high seasons like “Daddy December” generating thousands in revenue.

-Payment plans and debt-free options make entry accessible compared to U.S. mortgage systems.

The conversation addresses common myths — from safety concerns to outdated stereotypes — and contrasts living in Ghana with major U.S. cities like Washington, D.C. “Is it safe in Africa? And I’m saying to myself, is it safe in D.C.?” O’Neal reflects, highlighting the peace and community he’s found in Ghana compared to anxieties in the U.S.

Both emphasize that opportunity is not just financial — it’s deeply personal and generational. O’Neal reveals plans to establish a Christian-based financial literacy school in Ghana, delivered via a converted bus to reach students across Accra and Kumasi, equipping young Ghanaians with global money skills while building bridges between diaspora and local talent.

“We need partnership, not charity,” Jay echoes a lesson from Ghanaian leaders. “We can help them, they can help us. We can work together.”

The episode promotes upcoming group trips to Ghana in November and December 2026, organized in partnership with The Adinkra Group, offering education, investment tours, cultural immersion, and networking. With limited seats remaining, O’Neal stresses the urgency: “The power of now.”

For the diaspora — whether in the U.S., UK, Canada, or Europe — this conversation serves as both inspiration and roadmap: Ghana is not just a place to visit, but a strategic destination for wealth-building, legacy creation, and cultural reconnection.

Watch the full episode here: Why Smart Americans Are Quietly Moving Their Money to Ghana (2026 Playbook)

As Ghana positions itself to deepen participation in global trade, export experts say finding buyers is no longer the hardest part of international business.

The real challenge lies in being ready to deliver consistently, with the right standards, certifications and production capacity.

Industry guidance shared with prospective exporters outlines five foundational ways Ghanaian businesses can identify buyers on the international market, while stressing that securing a contract is only the first step toward long-term success.

1. Use official export channels
Exporters are encouraged to register with the Ghana Export Promotion Authority (GEPA), which offers buyer-matching services and access to verified trade opportunities. This route provides credibility and structured support for businesses entering foreign markets.

2. Leverage global digital platforms
International B2B portals have become active marketplaces where importers source products daily. These platforms allow Ghanaian exporters to showcase goods directly to buyers across Europe, Asia and the Americas.

3. Track global trade data
Trade data tools and export maps can help businesses identify countries already importing similar products from Ghana. Analysts say this data-driven approach reduces guesswork and improves market targeting.

4. Network at trade fairs and export bazaars
Physical engagement remains crucial. Participating in international trade fairs, expos and export bazaars allows exporters to meet buyers face-to-face, build trust and understand market expectations firsthand.

5. Engage trade desks at foreign embassies
Trade and commercial departments at embassies based in Ghana can provide valuable market intelligence and facilitate connections with potential buyers in their respective countries.

Africa emerges as a key growth market
Export advisors also point to Africa as a rapidly expanding opportunity. With the African Continental Free Trade Area (AfCFTA) driving regional commerce, intra-African trade is at historic highs, opening new markets for Ghanaian products closer to home.

However, experts caution that buyer interest means little without preparedness. Exporters must ensure they meet international quality standards, possess the required certifications, and have the capacity to supply at scale.

“Finding the buyer is easy,” the guidance notes. “Having the volume and standards to keep them is the real work.”

Disclaimer: This information, based on insights shared by Anna Spio, export consultant and trade educator, is for research and educational purposes only. International trade involves significant risk, and exporters are advised to conduct independent due diligence based on their business capacity.

Ghana’s shifting currency is doing more than moving exchange rates. It’s impacting how the diaspora and foreign investors send money home, buy property, start businesses, and plan long-term investments in the country.

Cedi’s Roller-Coaster: What’s Happening?

After years of sharp depreciation, the Ghanaian cedi staged one of its most dramatic reversals in 2025, gaining as much as 30–40 % against the U.S. dollar by mid-year. At its weakest earlier in the year, the currency hovered around GH¢15.50–15.60 per USD, only to strengthen to around GH¢10.28–10.85 per USD by late 2025.

This rebound is being driven by a blend of tight monetary policy, improved fiscal discipline, foreign exchange (FX) market reforms, and stronger foreign reserves. The Bank of Ghana boosted its Monetary Policy Rate and strengthened forex liquidity, while export revenues from gold and cocoa have helped sustain the inflows that support the cedi.

That reversal has helped lower inflation and ease some cost pressures for ordinary consumers and businesses, and bolstered Ghana’s fiscal position and debt burden.

Impact on Diaspora Remittances and Investments

For many Ghanaians living abroad, rapid cedi appreciation has been a double-edged sword.

On one side, a stronger cedi means a more stable home currency and increased investor confidence—good news for those considering long-term investments like property, startups, or pension fund allocation in Ghana. Reduced volatility is encouraging some diaspora investors to look beyond short-term remittances toward more structured capital commitments.

Indeed, recent diaspora-oriented initiatives, including diaspora bonds and fintech investment platforms discussed by central bank officials, aim to harness overseas capital for sustainable growth rather than simple family remittances.

However, there’s a flip side:

• Lower remittance conversion value: When the cedi strengthens, every U.S. dollar sent home converts into fewer cedis, reducing the effective support received by families, friends, and dependents.
• Temporary drop in remittances: Some Ghanaians abroad paused transfers when the cedi’s rapid appreciation made timing and value unpredictable. The central bank at one point noted a near 50 % drop in remittance inflows for this reason.
• Property affordability shifts: For diaspora buyers and foreign investors, stronger cedi means higher dollar costs for the same assets. A property that cost a certain amount of dollars before may now require more foreign currency to purchase after appreciation—even if the Ghana-cedi price tag hasn’t changed.

In some urban markets like Accra’s luxury real estate sector, diaspora buyers are increasingly focusing on cash purchases in prime locations, attracted by long-term capital growth potential but tempered by exchange rate risk.

Banking Fees, Capital Controls and Innovation

Diaspora investors also face costs tied to banking fees, forex spreads, and formal vs. informal channels for remittances and investments. These costs can erode value even when currency trends are favorable. While Ghana has sought to formalize FX flows with stronger interbank liquidity and reduced parallel market distortions, transfer costs remain a real consideration for diaspora households and business founders.

To adapt, the Bank of Ghana and policymakers are promoting diaspora-focused financial instruments, including fintech solutions and structured investment products, to make cross-border capital movements more efficient and development-oriented.

A Human Story: What It Means for Families and Entrepreneurs

For diaspora families, the story isn’t just numbers—it touches everyday life:

• A mother in the U.S. may find her dollar now buys fewer cedis for school fees, but a more stable cedi could ultimately bring down education costs locally.
• An entrepreneur planning to open a tech startup in Accra might be encouraged by reduced currency risk and stronger FX reserves, but still navigates higher costs for imported equipment.
• Property investors must weigh whether short-term exchange rate gains outweigh the long-term potential of Ghana’s growing middle class and urban demand.

One common theme emerging among diaspora groups is the importance of currency stability over sharp swings. Rapid appreciation or depreciation can deter investment and make financial planning difficult, regardless of direction.

Looking Ahead: Stability Over Speculation

Economists often stress that consistent and predictable currency performance is more valuable for investors—whether diaspora or foreign—than volatile gains.

Ghana’s current trajectory shows signs of greater stability, supported by macroeconomic discipline and policy adjustments, but external pressures and structural challenges remain.

For Ghanaians abroad, the path forward is likely a balance between remittances’ safety net role and structured investment that leverages long-term growth opportunities—from real estate and startups to new financial instruments that bridge Ghana with its global community.