₦airaland Forum

I recently published a video about United Capital fixed income:

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

The worst is cardinalstone, their contact info is just for fancy. The poorest customer service.

How to invest with united capital


https://www.youtube.com/watch?v=DLSeI34gdXc

How to make money using United Capital app



https://www.youtube.com/watch?v=DLSeI34gdXc

Sirchiboy:
Started yesterday with 5k, was hoping today my money will reach 10milla

Congratulations, the journey just begun.

Don't assume you will cash out big. Just make it your savings account instead of leaving that 5k in your regular bank account.

Let me teach you one trick to grow that money in MMF no matter how small.

Gather your friends or your guys, convince them for you guys to start contribution (Ajor), then be in charge of holding the money, and when they all pay, put it In your MMF account and only redeem when it's someone turn to take money, continue that circle of cash flow and invite more members to the contribution.

As long as you in charge of funds and funds stays In your MMF, you will profit from the compounded interest, now imagine you have contribution money totalling one million, the interest from that is still something.

I know someone who started like this and today he is in charge of contribution money at his work place totalling up to 20 million.

Gokoyer0:
Thank you.

Which one do you think I should focus on for wealth building and for long term plan? The word "aggressive", ""moderate" and "conservative" is it referring to longevity or riskiness of the funds? I checked, I realised that conservative(e.g Trustbanc) has highest ROI over Moderate (United Capital Balanced), and
Aggressive (Afrinvest Equity Fund). I know the higher the return, the higher the risk. So this makes the classification more confusing. What does the word "aggressive" means?

I am a newbie, I only invested in cowrywise stocks and a bit of foreign bonds. I want to dive into thier mutual funds because of compounding effect.

Take this advice from someone who is very much invested in all.

Yes, I am investing in all.

The moderate investment which comprises of Balanced funds and halal funds are just waste of time. Ignore them completely.

The aggressive once which mostly has stocks as underlying assets basically Equity Mutual funds. Yes, they are worth a try but allocate just 10% of your fund In the hope that it will appreciate overtime.

Now focus 90% of your investment capital into the conservative section, buy the MMF doing the highest percentage and when the highest stops being the highest, withdraw your money and buy the new highest right on that conservative section.


That's how you grow and preserve wealth.

welzyj2:
This name get as e be o. No offense meant

Hope no be forex Analyst. Na capital market investment we dealing with here o with FMs licensed by SEC

lol funny, That's just the asset management name. Look beyond that and see the man behind the wheel.

Here is a video about United Capital fixed income. Rates doesn't swing like stocks, just for steady returns purpose.



https://www.youtube.com/watch?v=DLSeI34gdXc

I published a video about United capital fixed income investment, lin k below If you interested:

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

I published a video on United Capital fixed income investment.

Here we go:


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

[quote author=Salarys post=138232140][/quote]I am a student of Zrosk manga's fund manager Samson Esuemude.

Samson is good, popularly known as Oracle of financial market analyst.

EquityM, I highly recommend his Equity mutual fund and keep an eye on it even if you don't have plans investing elsewhere.

EquityM:
Yes, it is. Wait till midnight, bro. It will show up.

Alright thanks Chief.

EquityM:
Bro, what time did you subscribe? It usually shows instantly. Try and check using the web; however, you should see the amount by midnight in your dashboard.

I signed up using the app but isnt the web address app.cardinalstone.com?

EquityM:
Yes, bro. I am trying to get into Halo. My money must work for me.

Chief, After Cardinal Stone confirmed your Fixed income alpha subscription, How long did it take before they processed the investment for you to begin to see daily returns and does the value amount appear on your dashboard because mine appears to be blank after buying some fixed Income this morning.

Looking to test the waters with them.

WaytoGo:
Please, can you provide a little bit of info about this ' Cowrywise " platform?

Are they just fintech or registered under the SEC or better still how do I check them up to know my money is safe since ( I don't think) they are a fund manager or are they?

Yes they are sec approved and they manage their own fund called cowrywise money market fund.

Go on sec website, look it up via Google or utilize AI and make your findings.

mikeayus:
Does it mean investing with Afriinvest via a middleman (cowrywise) is better than dealing with them directly?

cowrywise has only perfected the trade and expertise of quick customer service, quick funding, quick cash out, Quick trade execution.


And if you notice most complaints by Afrivest app users, they are complaining about all the aforementioned.

EquityM:
The review I am seeing on Afrinvest is not worth trying.

This is on their app. Their app is shittty, Invest via cowrywise.

EquityM:
I like CardinalStone; however, I'm not loyal to any fund managers. If I see one that does well and makes sense, I'll definitely give it a go.

way to go bro.

EquityM:
Yes, I signed up already but am pondering whether to invest or not. They do have NDIF, which does around 24YTD yearly. Funding is seamless like CardinalStone.

I have a video on NDIF on YouTube, it's one the most oldest investment in Nigeria by Afrivest.

It's invested in only Bond, you are making a very good decision investing in it.

I just didn't bring all these options to you from cowrywise because I was thinking you not flexible enough to consider using cowrywise app and just love CardinalStone.

Good thing you signed up. Welcome to the club.

welzyj2:
But pounds is still the most valuable currency

Bro you should understand that my point is: currency popularly used as medium of exchange.

How many countries uses Pounds as trade currency in comparison to the Dollar?

Even Euro in the Eurozone and globally is still popularly used over the British Pounds.

EquityM:
I get it, but the current crisis going on in the state and the Greenland drama make the USD future unpredictable.

The only thing that can undermine the U.S dollar is the U.S hegemony itself. The moment the U.S begin to lose control of geopolitical influence or defeat of their sophisticated military. The crash of the dollar will follow. That was what happened to British Pounds, London use to be the financial capital of the world and Pounds main exchange currency until WW1 and WW2 made Britain permanently lost that currency dominance to the US.

Now this why you see the U.S always picking on smaller countries to re-assert dominance and bully them because if they pick on RUSSIA or China, that would be the end of the U.S dollar.

Nuclear war won't only destroy countries, it will destroy the rule based order which the U.S created whereby Dollar is the petrol currency and main exchange currency of the world.

EquityM:
CardinalStone has the fixed income dollar funds, which start with USD; you can pay in naira or USD. I was interested in doing it; however, since I am into the fixed income naira fund, I was not ready to subscribe to it, as the return is the same as with the naira income fund. I foresee USD devaluation in the future; nevertheless, it's a good investment, as you can earn more in USD. Use your Nigerian address to register on the website and insert your NIN for tax bla bla. Lastly, if you are interested in making an investment in foreign currency, you should do the SME (100m), as it comprises all the investment funds at large. (Euro, USD, Equity, TB, and others)

My Chief, Dollar devaluation is not happening anytime soon. Infact, if there was any President that has wanted the dollar to devalue in the past one year. It's Donald Trump because he so much wants a weaker dollar to attract investors to the U.S to compete with China, that was the idea behind all his TARIFFS wars, but did it work? Not as quite well, infact, the Naira only won against the dollar in 2025 after so many years, and do you know what we considered a win? A stable exchange rate not even dollar devaluation.

This is why dollar based MMF was sluggish for last year too.

Salarys:
The guys at Afrinvest equity fund must be doing something right as they've only had 1 negative since the year began which is almost insignificant if you look at the percentage change in comparison with the greens.

They are the best for now, I see and track their returns. Whatever stocks they picking, they are doing a good job.

Jesusmylord:
Great job, guys!

I’m glad to be here. I’ve learned a lot from the ongoing conversations.

I have two questions directed to @EquityM, @Beeron, and anyone else who can help:

1. I haven’t seen much discussion here about Dollar Mutual Funds, such as the Nigeria Eurobond Fund. Is this because they are not as profitable compared to Naira-denominated mutual funds like Fixed Income, Equity, and Money Market Funds?

2. @EquityM, please what is the CRS form on the CardinalStone sign-up application?
I understand it needs to be uploaded when a non-Nigerian residential address is provided and that it relates to income tax.
Is there any technical implication attached to it, or is it advisable to simply use one’s Nigerian address?

Thank you in advance for your responses.

Dollar Mutual funds doesn't pay enough returns in Nigeria compared to Naira mutual funds, infact that is why we have foreign portfolio investors come to Nigeria and invest in Naira investments will Naira, make gains and convert back to Dollar to pull out their investments

They profit from both investment gains and forex slippage.

Nigerians only do Dollar Mutual fund to hedge against Naira inflation even if they earn little interest on it.

Secondly, Euro bond isn't accessible to Nigerians, it can only be bought by foreign portfolio investors with foreign currency.

mikeayus:
Thanks for the detailed explanation, my question was originally regarding the fixed income fund and not equity fund. Just wanted to know the difference between fixed income fund and regular MMF. Thankks

The difference between fixed income and MMF is one grows wealth and the other preserve wealth.

Fixed income grows wealth and MMF preserve wealth. Just understand it from that angle.

Still relevant stocks for this week



https://www.youtube.com/watch?v=BL-dI38CkKo

welzyj2:
Yes oo. The market should do its thing

I feel in 10 years there is no way any of us would have not doubled or tripled our investment in equity except Nigeria turns to Gaza

Ten years is too far.

If you invest 100k in January of last year 2025, you would have made between ₦135,000 and ₦155,000 by today, depending on the equity mutual fund.

Most Nigerian equity mutual funds returned roughly 35% – 55% for the year.

So, leaving your money for 2 - 3 years is 100% ROI. Your money has more than doubled.

Bluearrow:
Can someone withdraw profit monthly from trustbanc cowrywise & myinvestar mmf or it is quarterly?

Most NOT all operate the same way, yes —you can withdraw at any time but the only time they compound your gains is quarterly.

Stanbic compound monthly.

MMFadvisor:
That's right. AIICO is doing better than others too. And as you know, these rates fluctuates and could get better in the coming days.

Focus on advertising your company sir.

People here you advertising to, tracks MMF rates across the board more often than you on a daily basis. Shoving your company in their faces won't cut it.

Get creative, Put together all other rates of other MMF alongside your own so we can begin to compare and analyze.

For the stock pickers amongst us here.

Here is my stock recommendation for the week.

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

Stock pick for the week


https://www.youtube.com/watch?v=BL-dI38CkKo

Stock recommendation for the week


https://www.youtube.com/watch?v=BL-dI38CkKo