₦airaland Forum

EquityM:
I topped up my account; always check the daily income—that is the real gain. DLM is doing well; I saw a gain of 5k+ on it yesterday. The DLM has a lot of personal info; it's unwise to share it here.

DLM fixed income?

How much was invested?

EquityM:
End of the week update.
Fixed income was bullish throughout the week.

Zrosk equity fund: Strongly bullish; will update the YTD on Monday.

Afrinvest and CardinalStone equity: Tiny green.

Fixed income screenshot attached below; if I decide to cash out, those greens will be going with me, as the NAV is high this week.

It was a profitable week for you Chief.

Glad you seeing positivity with Zrosk.

It's a busy week for me, I just quickly tried to hustle out bigger gains in crypto to invest/top up my investment in the capital market and Equity.

NOTE - I will never recommend crypto here, it's just me spilling the beans on what I'm up to.

Seems some people has been dropping lots of misinformation and misleading information here lately.


Some are trying to sound smart without having the right information, some are saying things out of irrational fear, some are stylishly intent to promote their own type of investment, some are just confused but don't mind to confuse others in the thread too.


Hmm, we should all do well to verify information before we put it out here.

amnwa:
Please between arm and trustbanc which is best to invest for a two year period. Say with 10m

There is a lot to consider down the line such as rates, what to invest in etc.

Forget that Trustbanc is paying highest now, Stanbic and others were paying highest before. So check what they invest in and see if the underlying investment can match to your expectation of returns in two years.

Don't stress about security, they are all secured.

suckprick:
Does this apply to all fintech? Can you say the same for cowrywise? I am thinking of putting 30m there to shop on various mmf offers on their platform especially on trustbanc doing 19%+ but I dey fear 😁. I am currently using Stanbic but the rate is not encouraging at all, I just dey use am based on level of trust. What's your advise?

Cc: beeron

Bros you don't need to fear. Go ahead.

Cowrywise is SEC approved and routinely monitored by SEC to ensure that whatever they invest your money in is whatever was promised to you on the app.

You very safe.

You should realize something; SEC and CBN are worried about protecting investors and bank customers fund rather than protecting the bank institution or fintec app.

This was why Opay and other fintech license was upgraded to a national one to further integrate them into the scope of CBN and SEC control.

Latest on stocks.


https://www.youtube.com/watch?v=XJFstRZQg4w

My stocks recommendation for this week


https://www.youtube.com/watch?v=XJFstRZQg4w

This week Nigerian Stocks recommendations



https://www.youtube.com/watch?v=XJFstRZQg4w

This week stock recommendation for Big banks + consumer & industrial stocks to BUY




https://www.youtube.com/watch?v=XJFstRZQg4w

My stocks outlook for this week.



https://www.youtube.com/watch?v=XJFstRZQg4w

Good health is actually a priceless asset

EquityM:
@Beeron, Zrosk has sent me all the requirements. I'll be joining them soon. 5M is the minimum, and it's VIP equity.

Congratulations sir.

welzyj2:
Bro, this story is just made up for traction and plenty engagement

oh I see, but whatever the case, It can happen though.

EquityM:
How about the Susuk bond and the OMO bond? One of them requires 50 m as well.

Now this is where the money is.

If I explain, I might take the whole of this page and time no dey.

But you see that OMO, that is the goal of all these assets managers doing money market with banks.

The more money they can get from you as an investor to take to lend to the bank, the more money bank will pay them from their OMO gains because CBN under Emefiele banned Asset managers from investing directly in OMO, so they go through banks to do the deal.

That's why I keep saying all those fixed income investment is crap because they basically need your money to make more money in money market with banks who is ready to split OMO gains with them and unless you have huge money, your money is earning you peanut, hence the reason why compounding via MMF makes better sense.

Sukuk bond is something different in Islamic sharia, it's like a promisory note with the government to pay you back with interest after giving government money to build infrastructure.

EquityM:
I see. I think they are into debt bonds; I saw it somewhere on their website.

it's the same thing bro, debt bond and bond is still the same.

t33why:
Thank you for this, I appreciate you and EquityM for this thread, and everyone that's been contributing knowledge here and I especially do not take it for granted.
I'll check out Afrivest, my main isssue with not putting substantial funds in Cardinal Alpha is that I do not just understand the idea behind the reduction in capital for the small amount I've put to test, or maybe I'm looking at it from the lens of MMF

EquityM has more experience with CardinalStone.

He probably has an idea but note that if the reduction is on your interest earn, that's normal.

EquityM:
Bro, the DLM fixed income—is it really a fixed income? The daily rate is like MMF around 20-22% daily. It's different than CD alpha fixed income.

They are holding more of old bond that's why it's ranking high when it comes to returns.

At some point, bond will reprice depending on the situation of the Economy, if CBN hike rates tomorrow, that bond will stop being attractive and it will affect their high paying yield.

Smattrader:
Please @Beeron and @EquityM,

For the sake and the purpose for which this thread was created in the first place please, could you two put your vast experiences in both Equity fund and fixed income come up with a little guide on how much is appropriate or at least, an estimated amount to invest to put into each respectively with their fund managers investment that will add values to every investors.

For instance, if based on your experience or calculation Cardinal fixed income or Equity will, realistically only cost like N500,000 to invest into and make something meaningful and investing less will only mean wasting time and resources?

The idea is to give everyone both the experienced and newbies(newcomers) to at least a solid idea of what it means to invest a certain amount to make meaning of their investment or money instead of wasting their time investing in what has little to no value to their long-term goals say ' 45k of 30k, etc. Since it's now clear that these fund managers are elites and selective for the few of us with less to make something out of their elite tags.

I get your point.

But it all comes down to 2 things.

Do you want to grow wealth or you want to preserve wealth?

If you want to grow wealth: Equity based investment or any investment that has exposure to Equity.

If you want to preserve wealth: MMF

Now fixed income should preserve wealth only when the money invested can be considered huge, if you have lesser money in it, it doesn't make sense when you can actually go compound that money in MMF rather than holding for 1 full year for the barest minimum in fixed income even if you were promised dividend. That dividend is to make you stay while they take your money to go make bigger money in money market.

If you have nothing less then 2 million, stay off fixed income.

t33why:
So basically all this fixed income and it's different variations are not worth it?

I'm currently in MMF with Trustbanc, recently started UCAP'S equity fund and wealth for women fund , all via cowrywise

Also what's your take on Cardinal's Alpha fund. Just started that too but don't get it yet

if I were to rebalance your portfolio, I would exit UCap equity fund for a very active one like Afrivest equity fund, exit UCap women whatever and either send the money to Trustbanc or Afrivest.

Same thing applies to Cardinalstone fixed income alpha only if you have less than 2 million there, it's a waste of time if you don't have huge money there when it should be compounding at 19% in Trustbanc.

The illusion here is MMF can also serve as Fixed income fund but we fail to see it.

EquityM:
Thanks a lot for the insight; I will just stick to equity for my long-term growth. The rest will only get around 100-500k just for dividend purposes.

no wahala

EquityM:
Zrosk for equity and DLM for fixed income. I am only interested in these two.

DLM did19.55 % return so far in 2025, putting it among the top-performing fixed income funds in Nigeria even beating Stanbic at 16.93%

I swear bros, if you not trying to invest atleast 2 million in it, it's crappy investment when you see the one year time duration to get that returns with lesser fund less than 2 million.

Why did i call it crap?

That capital lesser than 2 million could have compounded in money market funds for atleast 3 to 4 quarters and you know whats funny, fixed income also invest in the same market as MMF aside long term bond.

As for Equities, yes, Sam is doing good with Zrosk.

EquityM my Gee, if you looking to invest in any assets management house, please let me know which, I will ask of the information you have gathered about them, I would help you run their numbers and comparison as against their competitors and see how shittty or good they are.

This goes out to everyone too who is looking to invest in a new Asset management company.

Keep in mind, I wouldn't be able to tell the quality of their customer service oooo, that's out of my reach. I will deal with numbers only.

EquityM:
Highest NAV for MMF, Sep, 2025. Can't pull out the latest NAV from SEC yet.

I'm struggling to understand how this is useful chief.

This Nigeria investment space is crazy.

I'm just starting to realize how crazy the investment space in Nigeria really is.

I swear I can now see the reason why AUM recapitalization policy is necessary to merge and weed out some asset managers. It's lots of crap Investment out there under the guise of fixed income and Equities mutual funds meanwhile they give the best value to highly regarded customers who pay premium.

What the actual F UC K?

EquityM:
Good reason to invest aggressively as a man.

You might see the woman as doing anything to keep a roof over her family but again she also exhibited a behavior that makes one think that even if her husband was an investor but doesn't make enough returns from his investment, his wife will still compromise and have sex with a richer guy who offers extra money to feed the family.


Anyways I see it as survival but if she repeatedly does it, she is a h o e.

EquityM:
@Beeron, Zrosk appears to be outstanding. I have also seen their portfolio and equity template. They generate revenue and lower risk by conducting in-depth research and analysis of the stocks in their portfolio. The 5M minimum requirement is not bad.

I didn't even know they have a minimum amount requirement because I haven't invested with them but the only thing I am sure of is Samson is good.

EquityM:
Zrosk has a minimum investment of 5M. Link me up with their details. I need to have 2 equity accounts.

I would assume you got this information on their website.

geoeast:
Why is first ally mmf interest rate so high at 26%.
Other mmfs interest rate are not that high.
Should I be concerned

I just checked now. The reason was overnight rate was the highest yesterday so First ally fund managers and other smart fund managers traded in the money market quickly.

Some fund managers are too lazy to chase this overnight rates, they just leave fund to follow the direction of Tbills rates and other short terms loans.


The only thing you should be concerned about is how lazy your fund managers are.

Or they probably have a premium customer class they serving, whom they rush to lock in the best deal for. First Ally has such premium customer service as well which start with 5 million to be eligible.

Secondly, they is something nobody is noticing .... BRB

Top 10 stocks that made gains this past week

https://youtube.com/shorts/_8ELmOo4yjk?feature=share

The week closed bearish but there are the top 10 stocks that made gains for the week

https://youtube.com/shorts/_8ELmOo4yjk?feature=share

No point for that.

That seller was talking out of ignorance from what he has heard other sellers say.

It's litium iron battery, it can charge and discharge for hundreds of cycles. If that first discharge was necessary, it will be written clearly for you to see on the product.

That said: the best practice is not to drain completely, when it's down to 30% you put it off and when you re-charge and it gets to 80% or 90%, unplug from power.

Now why?

Lithium iron battery is very durable but the only thing that kills the longevity of lithium iron battery is HEAT so when you charge up to 100% every time, you causing heat and heat kills the cells of the battery, that's why the battery don't last long after some time.

welzyj2:
Is there anyone investing directly with united capital. Want to compare your experience vs via cowrywise

I invest via cowrywise as well, not directly.

But I am dumping both their fixed income investment and equity investment as soon as next week. I just ran some numbers and realized they did poorly last year compared to other fund managers.

But if you already investing with them. They are solid. my decision just comes from a place of guilt, like if I'm teaching people how to make money in the market I should be taking more risk to make more.

I recently published a video on United fixed income, if you interested


https://www.youtube.com/playlist?list=PLelyzjGuxrbj-ORzfwOEveV2vK0j1e3fw