₦airaland Forum

My stock recommendation for this week is published.

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

My stock recommendation for this week is out. Watch if you interested and don't forget to subscribe.

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

Emmanuel72:
As intending Equity mutual funds investor?

Is there any way we can know if the price of an aggressive equity mutual funds is currently on dip or low....so we can enter at the dip or bearish price so one can get amazing profit when it becomes bullish or go up in price?

If you always time the market you will lose, because for how long do you want to continue to do it?

If that was possible, Experts traders who manage Equity mutual fund will not bother with Equity at all.

They will just tell investors to bring money so they help them trade stocks because they can always beat the market using your strategy.

It's not possible except you an expert trader who pick stocks using technical and fundamental analysis and even those expert guys don't win all trades.

The fastest way to lose money is Crypto futures trading and the second fastest way to loose money is trying to beat the equity/stock market short term and third fastest way to lose money is Betting as a novice.

EquityM:
I ran a check on my investment portfolio using my office AI, and I was disappointed, as I have been investing wrongly. The AI told me to start investing more in the fixed income fund, as the daily earnings can match the equity earnings if the market isn't bullish enough. Furthermore, it accelerates faster compounding that leads to steady growth than equity funds. Basically, equity needs to be locked up to do the dirty job while the fixed income fund delivers steady income and delivers more steady income during the 4 seasons peak period. Following this advice, I will go more into the fixed income for a while and top up equity gradually, especially if the market is down. It even told me if the equity market is down, it brings more money, as it can skyrocket easily.

basically what that AI just told you in one sentence is; Balance your portfolio such that you prioritize little little gains from Fixed income to unstable and swinging Equity.


And this is goal of every investor, getting that little interest to compound in the long run.

So what I would advise is reduce your holding on Equity, move to fixed income and let the investment on Equity grow by itself over a period of time.

There could be times where you will need to do portfolio rebalancing especially when CBN cut rate and money market yield falls, people usually rush to stocks, and that is the best time to top up your equity fund. Another way is Naira cost averaging every month end or every end of each quarter or every time a dip in marker occurs.

EquityM:
Do both together. @Beeron can provide a detailed insight into your question.

I just did.

Emmanuel72:
On the long term....which is more profitable between selecting and investing on individual stocks and investing directly on aggressive equity mutual funds?

The honest truth is, picking the right individual stocks can make you MORE money than equity mutual funds, but equity mutual funds are SAFER for beginners.

Best stock pickers beat Equity Mutual fund but most beginner stock pickers don't beat Equity Mutual funds that's why Equity mutual fund is still the best for someone who doesn't want to bother themselves with doing technical or fundamentals analysis everyday.

Mrajah231:
Hello all, greetings….as we have the blue nest app now on Stanbic, can I still fund my account with the old way which is paying to UBA bank and putting my e-account number as narration…does it still fly that way? I will appreciate your prompt response thanks.

Yes, you can do it. Go ahead.

Top 10 stocks that made money last week.

https://youtube.com/shorts/NTvRgtVZe7U?feature=share

EquityM:
In the near future, the minimum amount of investment might hike up; 5-10k might not be accepted again.

Exactly, that's the implication for the average low earner investor.

Emmanuel72:
Good morning,Great minds,

Hope Piggyvest and cowrywise isn't been affected by the new SEC recapitalization policy ?

They are, it was raised From 10 million to 100 million or 150 million I guess. So theirs is still not big money.

Please go fact check this my answer, I am not totally sure but I scanned past something like this when reading the article.

Odunharry:
Well done

Thanks Chief.

BelieverDE:
Hello EquityM, since these equity mutual funds are at their ATHs, would you still advise investing in them?

What about the Balanced fund?

I researched the outcomes of investing in both, and the investing in an equity fund will yield a higher interest, the balanced fund can cushion the effects of market correction with the investment in fixed income instruments.

Also, following the initial poll on where to invest 100m, wouldn't investing 100m in an equity fund be risky at this time?

And with the new SEC directive affecting Capital Market Operators, will you be stick with Cardistone or an assets managing with a large capital base, e.g Stanbic?

You asked 4 questions in one.

1- Equity at all time high?

Hard to really determine all time high in Equity mutual funds because it's progression is steady growth over the years, sure you get dips when the Stock market crashes but Equity bounces back faster than individual stocks.

This is why, it's is regarded as a long term investment. And one stock in that basket of funds can boost your investment.


2 - Balanced Fund

Some Equity mutual funds can be regarded as balanced fund expecially when half of the fund is stocks and the other half is fixed income or money market. United Capital Equity fund is a good example.

If you don't want to be fully exposed to only Equity mutual fund fearing it's at all time high, you can choose to invest in balanced fund where returns is lesser than full equity fund but in the event of correction, you will recover faster. Another strategy is to buy fixed Income fund alongside your equity fund.



3- Investing 100M in Equity at this time.

(I choose to withhold complete answer to this question because I am currently writing a book on this on how to mitigate risk like how Billionaires do)

But to be vague with my reply — Don't go in with 100M if you don't have a strategy in place.

Go in with an amount that you wouldn't lose sleep over.


4 - Which Asset management to stick with due to new recapitalization policy.

Recapitalization or not, As long as you are dealing with a sec approved Asset management, your fund is safe. However, to best put your mind at rest, you can choose a fund manager based on their balance sheet, the bigger the balance sheet, the more it will be regarded as too big to fail and such AUM usually undergo more scrutiny by SEC because SEC is after protecting investors fund not the Asset managers.

Stocks that made money last week


https://youtube.com/shorts/NTvRgtVZe7U?feature=share

Last week gainers

https://youtube.com/shorts/NTvRgtVZe7U?feature=share

Top 10 stocks that made gains last week

https://youtube.com/shorts/NTvRgtVZe7U?feature=share

Calinson2000:
Thanks a lot, I was thinking about the liquidity as well as priority that is why I am considering Money Market Fund. FD was about 4% lesser.

You fine with money market.

And Goodluck on your endeavors.

Beeron:
First, You should understand that whatever is chasing you from FD is also preventing MMF and TBILL from giving improved rate at this period because they all in the same money market but different mode of investment.

However, I would recommend MMF on cowrywise for flexibility and liquidity purposes. Generally, rate is dropping across board and I spent half of yesterday on FMDQ to really understand what's going on in the capital market, it just seem confusing because FAAC should be distributed by next week, food inflation is slightly elevated to 15% and over night rate has tanked.

All these indications points to one thing, there is massive liquidity in the system and rate will probably keep falling. So move your money to cowrywise and start trading MMF like stocks meaning, buy from who gives the highest rates.

prior to this my initial response.

I just figured out why there is so much liquidty in the system making money market rate go down.

CBN paid banks back matured Tbills money invested with them, so that has created the excessive money in the system.

I was quite surprised in my earlier post for the excessive liquidity because I know FAAC hasn't been paid but good thing I have figured it out.

EquityM:
They also have an amazing trading interface, but I will stick to CardinalStone and use them for fixed income funds.

Nice one, way to go.

EquityM:
I did set up an account with DLM Asset Management for a fixed income fund. I'll distinguish between the CardinalStone rate and theirs.

This DLM isn't popular but I just checked, they are legit and only rebranded to DLM in 2014.

Hopefully, they gives you better rate.

Calinson2000:
Please, is it advisable to invest about 48M plus in Cowrywise Money Market Fund of 16.55% or Treasury bills for just 90 days; having understood both are low risk. I intend to use the money for Visa application at the end of maturity time. Currently doing FD but lower interest rate.

Which of the above investments is a better option?

First, You should understand that whatever is chasing you from FD is also preventing MMF and TBILL from giving improved rate at this period because they all in the same money market but different mode of investment.

However, I would recommend MMF on cowrywise for flexibility and liquidity purposes. Generally, rate is dropping across board and I spent half of yesterday on FMDQ to really understand what's going on in the capital market, it just seem confusing because FAAC should be distributed by next week, food inflation is slightly elevated to 15% and over night rate has tanked.

All these indications points to one thing, there is massive liquidity in the system and rate will probably keep falling. So move your money to cowrywise and start trading MMF like stocks meaning, buy from who gives the highest rates.

EquityM:
Everything takes time, bro. When you make enough money, your video will upgrade.

Your positive mindset is so infectious that, you could have considered being a Catholic priest or some motivational speaker.

I appreciate you bro.

Crossblueart:
Nice work — your analysis is sound. That said, I think the video could use some improvement. Your face isn’t very clear, and the lighting could be better. I also noticed a reflection from one of your light setups on your glasses.

Caption styles have evolved over time; these days, people rarely use background-heavy captions.

That said, well done, sir. Your insight is clear and brings good understanding.

P.S. You might also consider doing away with the baseball cap — it could help keep the focus more on you and the message.



I just subscribed to your channel.

This is real valuable insightful tips and I appreciate your feedback.

First, my lighting sucks because I actually shoot in my bedroom against the wall, Not a properly set up studios. You would notice the reflection of the light on my glasses indicating, it's a ring light.

I couldn't bother with captions style because man, I'm just trying to get the message out there.

My baseball cap — lol — I don't even want the focus on me, that's why I try to add overlay to show what I am trying to get across.

But regardless, I will work on anything to further enhance good understanding and good viewing experience going forward.

Thanks for subscribing.

EquityM:
Your video provides a lot of insight; more wisdom to you, bro.

Thanks chief

It will be a beginner guide for any beginner looking to begin investing in Equity on this thread.

So whatever they don't understand, they can always come back to ask here.

How to invest in equity


https://www.youtube.com/watch?v=g8COLNlys5U

All about equity


https://www.youtube.com/watch?v=g8COLNlys5U

Equity investment explained

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

I recently published a video on Equity mutual funds investment, if you interested.

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

The video for Equity investment is now published, if after watching and you still don't understand. Don't hesitate to ask for clarification.


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

For people interested, here is the video for Equity investment and how to invest into it.

What are the risks, duration and people that it best suits.


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

EquityM:
It's getting hot now. I prefer the summer season.

Funny how these seasons change our perception of everyday life.

Just simple rotation and revolution of the Earth messing with our mood lol.

Stay safe brother.

EquityM:
Well detailed and knowledgable.

Trust the weather over there isn't being harsh on you?

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.