[img][/img]Hello Nairalander

I have some money left aside to invest with i was thinking of investing in shares or mutual fund but i am a novice in both and willing to learn how both work.

please gurus in the system advice me coz i dont know what the stock or mutual fund market is saying right now and i have been doing some finding but havent get a genuine information.

please help me with some vital info and if you have any advice for me about stock or mutual fund please dont hesitate to aadvice me.

i will like to ask some questions from you my uncles and aunts in the system.

which one is more better to invest in between Share or mutual funds in terms of
1...Risk
2...Profit
3...time frame.

thanks

all comments are welcome.

Interested too.

Where is lalasticlacla?

Go to Investment Section. Lots of useful contribution daily on Mutual Funds Thread and Shares too.

Hmmm

.

Trust is best

I am also interested

Go to coin market cap
For coin men

Buy the following coins

Pundi x
Sugar exchange
Token pay (900% last two weeks?
Eos

6 months from now u shud have 100 to 1000 %

FCK all these offline investment

It all depends on your risk appetite.

Buying a stock, you are investing into a single company aka putting all your eggs in one basket. The goods new is, if you did your research very well and the company did well you reap a good return...your profit are also higher, because there are no average down...it is either the company is doing well or not.

However, if the company performed badly, you are in for a rough ride and you can loss money faster.

Whereas, when you buy a mutual fund, you invest into multiple companies at once, your risks and rewards are diversified...among these basket of companies, some will do well, others will do badly, but the law of averages smooths out the rough edges and you don’t take too much hit when the wind start sailing against you. Also, when you profit, your profits are not very high as you have to average out the non performing stocks in the mutual fund portfolio.

If you are investing for long term, retirement; mutual fund are better than stocks...but if your investment is for short term, take the time out and do a reach on a few stocks and diversify on your own. Invest in a company you know, understands their activities and are interested to follow, because the more you know about a company, the better you will understand if they are on the right path vi-as-vi the general trend and their competition.

Even when you invest in stocks, you should also gauge your risk appetites...you can look at the volatility chart of the stock and see if you can stomach it. There are some stocks that wouldn’t give you much profit because they don’t go high fast, but they pay dividends; you can settle for these and sell ‘Call Options’ on these stocks to generate incomes every single month.

none in Nigeria

Go for treasury bill

None

If your money runs into millions I suggest you invest in Treasury bills.

Shares takes years to get high pay out dividend, most people buy share for their unborn kids as a result.

Treasure bill is like a loan to the government that can be paid back at anytime you want, however, duration determines the percentage of profit you make, could be weeks, months, 1 year or more.


Crypto currency is a big risk, I'm NOT saying don't invest but venture in other sectors before risking that of Crypto currency. Crypto is highly volatile but massive profit but eh bros, if the volatility catches up with you, your 1 million could be worth 400k or less within minutes and the painful thing about it is you would be watching your money decrease right in your btc wallet and you can't do nothing about it, Ask gurus like Tabbaz, LadyF, Ymodulus and HazzanTazzan.

Crypto investment bought me Benz in the dream but when I woke up to volatility na brand new dullop slippers I dey use cruise around town. hahahaha kidding you but Invest wisely.

y4code:
Hello Nairalander

I have some money left aside to invest with i was thinking of investing in shares or mutual fund but i am a novice in both and willing to learn how both work.

please gurus in the system advice me coz i dont know what the stock or mutual fund market is saying right now and i have been doing some finding but havent get a genuine information.

please help me with some vital info and if you have any advice for me about stock or mutual fund please dont hesitate to aadvice me.

i will like to ask some questions from you my uncles and aunts in the system.

which one is more better to invest in between Share or mutual funds in terms of
1...Risk
2...Profit
3...time frame.

thanks

all comments are welcome.

Great question OP.

Before I begin, you must understand but investment is not an exact science and that unless you opt for some zero risk investment such as T-bills you may be incurring some level of risk.

Your investment strategy maybe defined in terms of various parameters with the most important being risk, returns, discretion, ethics and timeline amongst others.

To be continued.

Mmm remains the best anyday anytime followed by ultimate cycler

okerekeikpo:
Mmm remains the best anyday anytime followed by ultimate cycler

If you are considering a long term investment, you can chat me.

chairs is better...but I prefer leather chairs

chloride6:


Great question OP.

Before I begin, you must understand but investment is not an exact science and that before

u can lose all ur money, we know already..! Just tell us which is better

The fear of losing your money = Nigerians are Lazy

Crypto, anytime anyday for me, but i will strongly advice u to stay away from it

Personally I would not invest in mutual funds but for a novice they are best in terms of risk profile. What I mean is most of them do not lose money in the long run .Whether you make money is another matter though you can easily check the hstorical performance over time. Are you in Nigeria? Didn't know there were Mutual funds in Nigeria. In Nigeria I think government Trasury Bills are an excellent investment. The main risk is inflation/currenydevaluation. but the returns are high: and fairly reliable until Nigeria collapses.If you do not think that will happen then forget about stocks funds and go for Treasury bills.

The two basically the same, it just depends on who is doing the investing.

I would have recommended treasury bills but the rates are falling - not that it's bad, at least still higher than fixed deposit.

Long term wealth creation, stock. Short term to medium term growth/conservative growth, mutual funds. No one can be truly wealthy without both. If you are still a naive investor, then buy a healthy mutual fund first, then gain informed and not here say knowledge of the stock market.
Avoid ponzi schemes, Swiss golden or cryptocurrency.

We must all be rich.

Sgt PonziHater

K

geostrata:
chairs is better...but I prefer leather chairs

baba na plastic sure pass for my room ooo...

Risk averse go for mutual fund or tbills
Risk taker - stocks.
Considering most nigerian companies are fraud stay away from stock

okerekeikpo:
Mmm remains the best anyday anytime followed by ultimate cycler

you are on your own

Go for T bills the investment is 100% secured

Study before u invest. Don't loose money.

Bros, please go and buy land, forget investment in instrument. Our economy is not matured enough to give you adequate returns. You can get lands in developing areas from 600k up. Within 2 or 3yrs it has doubled. While instrument is still battling with melt down, vaporization and various forms of economic earthquakes.