₦airaland Forum

EquityM:
Great, bro. Yesterday negative return was due to profit taking. I think most people cashed out to rebalance their portfolio or earn some money. I hope the market will be back on track.

That's something about the market bro.

It acts like human behavior, very unpredictable.

Salarys:
How does the fund work because I see there are days you earn 3500, 5000 and other days nothing.

This type of investment is what traditional MMF suppose to do to increase daily returns but due to the fact that most of these underlying investment are fixed to a duration, MMF can't do it to a larger extent because MMF investors always demand for their capital back every time.

This is why we have fixed income market that invest in bond, commercial paper, term deposit and even money market.

Investing in this fund means you holding for long to see constant gains and when you see red in the market, it mean bond price fluctuation. It doesn't mean your capital is at risk.

I will also make a video on this after Equity video comes out.

WaytoGo:
Kudus , @EquityM,

I am led here cos of you, you inspired my presence here and please could you please kindly help with these questions as I am new to this market being a chronic MMF investor so pardon my ignorance..


Cirdinalstone - I registered yesterday and I got both my account approved tier 1 and 2 respectively.

I was also given an SCSC/CHN number;
Please, how do I utilise these numbers as I tried to confirm or register the number via the SCSC official web account but I got denied because, they claim the number wasn't correct is there anything I didn't do right or do I need Cardialstone's further approval or enter the market before I could achieve that?


Secondly, what's the use of ' LINK REGISTRAR ACCOUNT or CARDINALSTONE REGISTRARS "(on the app) any need or use for it?



Thirsty, as I stepped into this market " Equity fund " which I tagged or considered as ETF partner cos they are quite related in terms of many stocks in one basket ...... How do one study the market, identify the number of stocks or companies enclosed in Cardinal Stone Equity for a glimpse of what you are putting your money into ;

Any link to where this full basket of stocks can be monitored, a platform where you can read a chart about tomorrow or before the opening of the market today for a glimpse of where the market might be heading or at least, an idea of how the equity chart works?


I would really appreciate your response as this will help kickstart my journey into this new endeavour.
@Beroon, will also appreciate your wealth of knowledge input to these questions.

I am in. No going back.


Thanks in advance.

Glad you took this leap of faith.

Now eventhough it's general knowledge that we advise that you have a backup money market fund (which I believe you already investing in), you are not making a wrong decision investing in Equity at all.

As a starter, leave the bulk of your investment capital in money market fund.

Then test the Equity waters, with a little spare cash, if it something you like, then you can go all in with bigger funds.

Nigeria economy swings like a pendulum to either money market or stock market, so you very strategic right now positioning yourself in both places. Welcome onboard.

EquityM:
Click on this link to subscribe to daily equity reports and other stuff related to trading.

https://research.cardinalstone.com/reports

You will see a message icon on the website; click on it to subscribe to daily updates. Additionally, go to CardinalStone Research - Model Equity Portfolio - 12 January 2026 to see all the stocks in the equity portfolio. Back to your questions, equity fund investment takes patience and time; gains and losses make it more interesting than any other fund. If you can't take a risk, then it is not your thing. Your money might drop tomorrow and increase the next day. To make profit, don't withdraw your gains, unlike MMF. You can start with 40k-50k to test it out. We have been making gains since Monday; unfortunately, red came yesterday. That is how the game is. @Beeron will add more information. I wish you success in Jesus' name. Lastly, you don't need to check your CSCS or CHN number online; it's automatic. You can buy stocks right away.

I am currently making a video that would answer most frequently asked question about Equity.

When I'm done, I will post here so people can always have clarity about what investing in

I'm so in love with the positive mindset on this thread.

enemerci:
Please I will sincerely appreciate the video for better clarity. I know the imaan and equity funds have good rates and high risk. But where really gets me concerned is because I intend to top up for the next 10 years. So if it does not compound then what does it really do with my monthly contributiona

Thank you once again.

I will make the video however, seeing that you are willing to invest 100k top up monthly on the new investment, which is why you want it compounded in years to come.

Why not take a little bit of risk since you already have the leverage which are (capital and time)

Lock up the money in a balanced fund with a little bit of equity and top up every month, you will be thankful you did after 3-5 years.

Creditalerts:
Dey play with high blood pressure 😂

I know we have to be conscious about our hard earned money and what/where we invest in. But this fear mongering is really not worth it.

The reason is; if you don't want to take the risk, the constant fear mongering will make some other neutral person think it's a really dangerous thing, no go area investment, so much so that it's now so exergerated.

Even stocks trading is protected by +10/-10% NGX policy, how much more equity fund where the only risk involved is "how long patience", not loss of fund.

Sir, you free to condem it but it's starting to become a gospel to be preached.

modupemomo:
Hello All,

I guess Stanbic rates is still taking a dive to the ground floor from the top of a skyscraper. Saw the rates yesterday and I cannot believe it has dropped from where we started at 24%+.

Reality is prices of things we need in life isnt dropping, one has to begin to do recon. While I know Renmoney isnt in the mutual funds business, does anyone know if there are legit and reliable? I've got mouths to feed here. Stanbic is my fav but right now, I have to use my head because the rates gave me palpitations last night abeg.

Please can anyone give their two cents on Renmoney as they have a good rate on their fixed deposit. Thanks and God bless.

Don't you think it's time to diversify your investments?

At this point, Ditch the idea of Stanbic being your "FAV", you in the market to make money, the forces that move the market doesn't care one bit about your fav.

If Stanbic is currently at 15%, what do you think will happen if by next month, Interest rate get cut and rates even go lower?


Split your funds and position yourself strategically, leave sentiments such as my "fav", my point is move some money into cowrywise to invest in Trustbanc or go for FirstAlly.

enemerci:
Please does stanbic imaan, equity, balanced ethical funds compound. Assuming I keep topping up my funds monthly with 100k. Is there anything like compounding even if it is annually. 0r is it strictly simple interest.

Thank you.

Time for you to re-strategize:

If your goal is to compound. Move the investment fund to Cowrywise, invest in a balanced fund that invest in only money market and bond or fixed deposits, choose the auto-reinvest option to enable the fund compound.

Go about your business and let the fund grow.


Might make a video about this.

playces:
Pls what are the things to look out for. I'm really a newbie in stocks. My plan is to keep buying and keep for long term

Thank you

When you targeting stocks for long term, Target dividend paying stocks and stocks with high liquidity especially banking stocks.

If you need visual guide, I post videos every Monday or Tuesday on YouTube about stocks recommendation.

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

EquityM:
@Beeron, can you answer this question?

Seen.

Crossblueart:
From what I’ve read, Bloom customers are eligible for High Yield Naira Investments.

What types of investments are typically included, and how competitive are the rates?

Frankly, apart from the listed investments on cowrywise, I don't have any idea what type of investment that is.

I only understand, those tags are just to indicate the volume of trade/investment you doing on cowrywise overall.

Arizona86:
Welcome Beeron, glad to have you join us in this thread. Kindly explain further what you meant by +10-10 policy.

In simple term, it means, Nigeria’s stock market has a policy that stocks listed on the stock exchange can only appreciate +10% highest or fall -10% in a day.

The policy is in place to protect investors (especially retail investors) from stocks volitility. Volitility still happens though but it would have been worst if we didn't have that policy.

So you going to buy Equity is you extra protecting yourself from volitility.

welzyj2:
Yeah...I actually use cowrywise for trustbanc mmf at the moment

I actually want a balanced fund with a bit of equity...max 30% just to increase earnings better than mmf

What you need is "United Capital Equity" on cowrywise.

Buy that, it's 60% Equity and 40% fixed income.

welzyj2:
Bonds over mmf...im not sure if the returns will be a lot if mmf drops.

I'm actually looking to move from mmf to balanced funds. Cardinalatone balanced funds is cheaper than stanbic balanced fund.

If anyone has an idea pls share on balanced funds

Do you know Balanced Fund is another word for Equity?

Some Equity isn't all stocks. Stocks makes up 70% and and Fixed deposits or money market makes up the remaining 30%.

That's why when there is a fall in the stock market, Equity don't fall so deep.


However there are balanced fund that don't include stocks, shop around on cowrywise, you will see them.

That flexibility to see everything is why I am using cowrywise app.

EquityM:
With what I am seeing, MMF will go lower soon. I might invest more in bonds to replace my MMFs.

As regards MMF rates going down. No one knows until February when MPC meeting will hold. And my guess is MPC won't cut rate due to December high liquidity spending still in circulation.

So MMF should still be hovering around 14%-19%

Yeah, while it's smart to invest in bond, it wouldn't be strategic to drain all of your MMF investment.

Just diversify to earn from everywhere.

The reason is, the economy moves in a kind of up and down circle with interest rate and stock market, so position yourself everywhere to earn every nickel and dime.

Crossblueart:
Do you have experience or knowledge on Cowrywise Premium tier - Bloom?

Simply means, you investing a certain amount of money across all your investment via cowrywise.
Bloom is 10 million and above.
Bud is less than 5 million

welzyj2:
Interesting. So it's worthy to note that CardinalStone isn't the driver of their NAV price

Another question. Will EMF investors enjoy dividends of underlying stocks in proportion to their units owned when declared? Are there also any conditions that might make one qualified or not??

Yes, you get paid Dividend but you get the dividend in either of these 2 ways depending on the Equity fund you investing with.


1 - When the individual stocks earns dividends, your Equity fund manager collects all and add the earned dividend back into the Equity fund, what then happens is: your fund NAV (price per unit) increases, meaning your investment value goes up.

You didn’t get cash, But your investment is now worth more


2- Some Equity fund manager pay out dividends in accordance to the Unit you holding in the Equity, they pay at the end of the year.

EquityM:
CardinalStone has another equity, which is 18 YTD at the moment; they told me I need 100m to enter. The normal equity we trade is at 7YTD. I wonder why the latter is on 7YTD when they both started.

I don't know about the underlying asset but i am sure it wouldn't be invested in only Equity. And I'm positive that they will be heavily invested in corporate bond, government bond and OMO through banks.

welzyj2:
With CardinalStone seeing people are getting interested in their EMF, one can expect the NAV to rise further.

2.5 seems likely before month end

That's not how it works.

For instance, all my Equity trade is via cowrywise app.

Does that mean because Cardinalstone is getting patronage, we at Cowrywise won't get increased market profit too?

That's not how it works.

All Equities funds in cowrywise and that of CardinalStone follow the same price action of individual stocks on NGX, now you have chosen to protect yourself by buying into Equity which in turn buys into various types of individual stocks likely doing well on the NGX, so if you Equity is gaining, it means the underlying stocks in the Equity basket are gaining. Not the influence of CardinalStone, what CardinalStone does is to analyze with professional experience, tools and metrics to help you pick those stocks and add into your Equity basket.

Now if all goes wrong tomorrow causing a market dip, it still not CardinalStone responsible, it technically the market likely reacting to external factors, influences or unfavorable news. However, it's temporary and you are again protected by the +10-10 policy, so you don't lose much before you pull out of the market.

The reason why most folks are scared to invest in Equity on the MMF Thread is because, they want to sleep better at night and most of them have huge volume of capital in MMF hence the cognitive dissonance.

EquityM:
It's winter here, bro. You are the 2nd admin for this page; always post and enlighten others.

I'm on the job already sir.

It's fun out here and we hope to beat inflation numbers this year and still keep our capital safe.

Invest in jackets, sweater and headwarmer out there this winter season.

Be safe.

EquityM:
I will, how are you, bro?

Doing just fine, Following up on this beloved thread. That was a bold move to create this thread, thanks for taking the initiative.

I'm closely following.

And by the way, how is the weather out there?

EquityM:
Is anyone currently trading fixed-income funds? I am currently trading with CardinalStone and Quantum Zenith. CardinalStone, the rate has been fluctuating rapidly; sometimes when I top up, I get a negative return the next day and a higher return the day after. Quantum Zenith fixed income fund has recently doubled my money; I'm not sure if this is an error or juju. Any insight into this would be greatly appreciated.

The reason for the fluctuation is as a result of bond sale and trade in the money market.

But I am not sure what's the underlying assets your fixed income is trading.

Find out

My insight for this week:


https://www.youtube.com/watch?v=n3mbudjcZwY

It only one way in and one way out. Birth and De ath

welzyj2:
Did 50k to test ground. But bal is 49k.

Stanbic is my core mmf acc
I just opened trustbanc to get some benefit of their 18%

It requires patience and the movement of market direction on NGX.

Disregard any loss for now and watch your investment for at least one quarter.

Then you can make a decision to quit or stay the course.

VladimirTheGrea:
I'm all in on the equity funds. Is it more profitable running than the MMF??

It's a way to beat inflation.

Your goal is to beat inflation and note that, it can be profitable in a particular year and in some year, it will be slow and filled with unpredictable mood swing.

Last year, It began getting profitable starting from the second quarter of last year. In 2024, it started the year strong but lost momentum.

It's starting the year strong this year draw from last year momentun and a growing ASI so the future looks bright for now.

Don't miss stock recommendation for this week


https://www.youtube.com/watch?v=n3mbudjcZwY

Stocks for this week



https://www.youtube.com/watch?v=n3mbudjcZwY

If you inclined to pick stocks this week.

This video should guide you



https://www.youtube.com/watch?v=n3mbudjcZwY

My stock recommendation for this new week.

Enjoy



https://www.youtube.com/watch?v=n3mbudjcZwY

bassdow:
A lot of people trying to do long throat no dey aware of the bolded Ooo. They probably think say na invest and relax

😂😁😂😁😁😂

This is very true 100%.

People forget greed until it's too late to turn back the hands time.