₦airaland Forum

megawealth01:
PZ giving the sweet vibes 💕

Correct man . I remember you called PZ at sub 35 naira

Mankind2024:
Abeg, spare us this emotional sermon about 'ego ruining things on a Monday morning.
The same ego you’re crying about is what made you buy Ecobank at ₦29 and run away like a scared chicken instead of showing patience — the very patience you now claim others lack. But when Loco speaks, suddenly everyone must worship and wait like it's the gospel.
It’s actually funny how some grown men come to NSEMPA hunting for saviours and 'net blessings' like Loco is some messiah. You want secondary validation? Research your damn self! Out of 160+ stocks and ETFs, you can’t even pick and study 5 with conviction? Instead, you dey cry like orphan because one ghost-mode Loco no dey post again.
Warren Buffett and Charlie Munger described exactly your type: people who cannot think for themselves, always looking for stock pickers, insider tips, and market timing shortcuts. They end up bag holders, not wealth builders.
Mr Emmanuel already dropped the truth: consistency, discipline, and patience beat brilliance and TA every single day. But you people no dey hear word. You prefer to stretch threads into four pages of 'who knows more' while waiting for Loco to feed you picks like babies.
Many have come and gone — Mr OGG, Mr Chibukum, Yayira, and others. Nobody cried or wrote emotional essays when they left. But today, because Loco don enter ghost mode, una dey wail like widows.
Wake up, bro. No one is staying here forever. Soldier go, soldier come, barracks remain. Loco don already chop his own from this forum — using hype to offload bags on people who refuse to learn basic independence.
Stop looking for gods among men. Stop begging for picks like it's charity. Learn to do your own research, take responsibility, and stop blaming 'ego', village people, or whoever offended Loco for your inability to build wealth.
This forum is not a welfare scheme for lazy investors. Make una chill with the emotional blackmail.

You are just funny . Some of una just carry one useless mentality say na una get this thread.


From what I wrote, your so-called genius prowess somehow concluded that as a grown man, I can’t pick stocks for myself. Not everyone comes here to shout about their wins. I entered UACN at 15, sold at 99, re-entered at 58. I bought WAPCO at 38… and more. It wasn’t you or LOCO that made those picks for me. Some of us simply read the thread, take what’s useful, and move on.

You’re doing a good job with your nuggets—very useful with key lessons. But that doesn’t make you the sole proprietor of knowledge. If you don’t compare notes, I do. That doesn’t make you smarter, nor does it make me dumb. Peace.

It’s becoming clearer that ego is the tool the enemy wants to use to ruin things here .

people used 'I Too Know' (ITK) to silence Loco, who was a net blessing to this forum. I repeat — a net blessing. Not all his picks hit the mark, but we have more wins from his recommendations than misses. Even the ones that seemed like misses were often good picks where he simply misjudged the timing.

Now the thread will stretch to four pages, and all of it will be arguments about who knows more than whom.

I have my primary sources for getting my picks, but this forum helps me in two ways: it provides secondary validation for some picks, and sometimes it offers options for me to research further.

I bought Ecobank at ₦29 but wasn’t patient enough to wait for the rally. If I had heeded Nosa’s call to re-enter, I know how much I would have made.

Please — we are here to make money. make una chill

megawealth01:
The new PROVIDUS BANK should trade higher than my access bank the first year 😔


Providus bank means business

Access don really suffer for una hand.

KarlTom:
It's available on the floor.

Just bend down select

With over ₦1 billion already traded this morning, another full bid before the close of business is certainly possible. We'll be monitoring the situation closely. After all, the fundamental principle of trade remains that both the buyer and seller transact for mutual benefit.

Ginalex:
No play with Megawealth1 o. I can list at least 3 of his stock picks that have over delivered

Deapcap at below 1 naira
PZ at below 35 naira
NB at 29
MTN at 181... So I believe d!e say Unity go deliver. Don't play!

he also recommended

CWG
Redstar express
union Dicon
Meyer


they have all delivered.

Megawealth na blessing to this forum.

When Loco called out Neimeth Pharma ...People were saying it was MH . una dey see price now?

Streetinvestor2:
You just dey cash out from this click and watch on some people..lol

Na so una go use mouth spoil this guy good job .

His analyses of UACN made me load more units @58 naira . we all know where the price dey now.

jonnysessy:
I may have made a generalized statement here. But, in every rule there are always exceptions, I very much agree with you that there are some individuals who gives some good calls here. My point is the ones genuinely adding that value are really very few. When majority here tries to pump and dump stocks on you, the few ones that gives good calls become insignificant.

You are still wrong.

At best the reverse is the case . Many genuinely help while a few monkey hunt.

ositadima1:
I can tell you that this statement is flawed. There are people who genuinely add value here, and there are others who just monkey-hunt. If you’re the type who takes signals, your job is to filter what’s useful from what’s not. I can mention a few people who are consistently selfless in their contributions, Pa Emma is one of them.

Thank you .

There are people here that when they recommend 5 stocks you are sure to make money from at least 3 of their picks .

One oga here dey drop just once in a while but his info is legit , once he talks I quietly load.

SonofElElyonRet:
Why can't it just be 10% ?

The way de market be now , even 10% fit no bring people back .

Just shows how some unserious elements will just read 2 chapters of a text book and use same to develop policy for a Nation.

I have pulled out 65% of my funds ...we use the remaining 35% dey follow them before 2008 repeat itself.

Yemy3m:
.. fllw on utube ..
https://www.youtube.com/watch?v=ueynd-F0zWA

Capital Gains Tax liability is triggered when an investor's annual portfolio turnover surpasses ₦150 million, generating a net gain in excess of ₦10 million. The tax is assessed on the aggregate net gain of the entire portfolio, rather than on the gains from individual securities.

GeneralDae:
I would dig further but I think I have heard Taiwo Oyedele say there are exemptions. The problem with information on this new tax laws generally is that people prefer to listen to influencers and non tax experts and then ignore Taiwo and the FIRS guys who are all over the place answering questions and explaining.

“There is an exemption threshold raised: for sale of shares in Nigerian companies, the gross proceeds threshold is now ₦150 million in any 12 consecutive months. 
Also, gains do not exceed ₦10 million in that period may qualify under the exemption”.
“For individuals, CGT continues but will be taxed at the individual’s applicable income tax rate (“progressive tax band”) rather than a flat 10%”.

Taxing large traders' stock profits at 25% risks making the market unattractive to them. Their departure would remove the liquidity and activity that smaller traders rely on, ultimately causing the entire market to tank.

It gets more annoying knowing the money I invest is what's left after the government has already taken taxes from my salary and added VAT to my purchases.

people ...Seems I am the only one that is yet to see C & I dividend o . I don wait for the thing tire .

EDUECO:
Those who went to the market to buy rotten tomatoes instead of fresh ones are now panicking like a hardened criminal about to be subdued!

Oga rest abeg.

Only SUNU dey lag behind in this insurance christmas

success1smyn:
I am a good passer and I am definitely passing to 'B' but not through the arrow, if 'B' is a good striker with a lot of pace, that a goal. I am going to pass through where your arrow towards 'C' is facing.

correct . Thats my take too.

The best option is to pass to B, but to deliver the ball where he’s most dangerous, it must travel through the channel near C. This is the only pass that:

Eliminates the entire defensive line

Isolates the last defender, forcing him into a high-risk challenge (likely a red card if he intervenes)

Access Bank I say "ARISE AND WALK "

Payunsin:
Loco advised Tip ,prestige n followed his call n made a lot of money.
He mentioned Japaul n followed though he retraced when the result was not so good I did not panick sell though I sold part of it.
Today an rejoicing for what's left, still substantial.
I beg oga Loco continue your recommendation it's just an advice, we do not hold you responsible for whatever outcomeshsbi when we dey make money, we share you?

loco even called Neimeth...

Some people always focus on his few calls that dont respond quickly.

By the time people realize he is working for Tinubu, it will be too late.

Princkez:
What's wrong with HONYFLOUR....can't cross #22

HoneyFlour wey start trekking from #4? Abeg allow am rest small

Firecracker response ...

US will just evaluate the damage and possibly forgive them since its just a gragra face-saving move from Iran .

Agbalowomeri:
This your AI is not correct Lol

The key here is outperforming the market by 20%. The market is assumed by the tool to grow 12% annually. which makes it 32% annually .




To determine how much you need to invest today in the Nigerian Stock Exchange (NGX) to grow your portfolio to ₦1,000,000,000 (1 billion naira) in 11 years, assuming you outperform the market by 20% annually, we can use the future value formula for compound interest:
Formula:
FV=PV×(1+r)nFV=PV×(1+r)n
Where:
• FVFV = Future Value (₦1,000,000,000)
• PVPV = Present Value (Initial Investment)
• rr = Annual return rate (market return + 20% outperformance)
• nn = Number of years (11)

Step 1: Determine the Expected Annual Return
• The average annual return of the NGX (market return) is historically around 10-15% (we'll use 12% for this calculation).
• You assume 20% outperformance, so your total expected annual return (rr) is:
r=12%+20%=32%=0.32r=12%+20%=32%=0.32

Step 2: Plug into the Formula
1,000,000,000=PV×(1+0.32)111,000,000,000=PV×(1+0.32)11
Step 3: Solve for PVPV
PV=1,000,000,000(1.32)11PV=(1.32)111,000,000,000
First, calculate (1.32)11(1.32)11:
• Using a calculator: (1.32)11≈23.13(1.32)11≈23.13

Now, compute PVPV:
PV=1,000,000,00023.13≈∗∗₦43,230,000∗∗(rounded)PV=23.131,000,000,000≈∗∗₦43,230,000∗∗(rounded)
Final Answer:
You would need to invest approximately ₦43,230,000 today in the NGX, growing at 32% annually, to reach ₦1,000,000,000 in 11 years.

Key Notes:
1. 32% annual return is extremely aggressive—very few investors consistently achieve this.
2. Inflation & risks are not accounted for—real returns may differ.
3. Diversification & reinvestment of dividends could impact results.
4. Past performance ≠ future returns—NGX volatility can affect outcomes.

Ades1:
Abeg bros, I have a question and I want you to answer based on your experience.

How much would I need to invest in NGX to have a ₦1,000,000,000 portfolio in 11 years abeg? Lets assume I was able to beat the market by 20% annually.

Just rough estimates is fine. I want to check something

Answer from AI...




Final Answer:
You would need to invest approximately ₦43,230,000 today in the NGX, growing at 32% annually, to reach ₦1,000,000,000 in 11 years.

Key Notes:
32% annual return is extremely aggressive—very few investors consistently achieve this.

Inflation & risks are not accounted for—real returns may differ.

Diversification & reinvestment of dividends could impact results.

Past performance ≠ future returns—NGX volatility can affect outcomes.

ddippset:
Oga,
They do not have to be APC members yet.

They lose their seats once they leave PDP, the party that sponsored them to the house of Assembly.

Even if they like let them leave their PDP and remain in their bedrooms, they lose their seats...

The question is not;
"Have they joined APC?"

The question is;
"Have they left PDP?"


Listen and Learn!

Thank you . The bolded is the answer to this equation .

essentialone:
This place is for Premier League, not 2nd Division League

. so True

Locotrader:
Prestige should do 2.50 before complex challenges

That will be my big miss ...but I see Chams doing 7.50 in short/medium term

Locotrader:
Can you try it on Monday and tell me the experience.

If you sell prestige which still has more growth potentials to buy chams which you can't get enough units or nothing,it's a wasted effort.

For example streetinvestor2 sold Afriprud at N11 to rebalance on chams at 1.95,he succeeded on that because chams was dominated by the seller.
Yesterday,he sold Ucap at N21 to buy chams today but he refused to buy because he missed the target of N2.

The question is seeing chams all the time at 1.90+,will you be happy to sell prestige at full bid to buy chams at full bid 2.54 on Monday?

Think very well before you have a missed call

Lol. There's no one-size-fits-all answer in investing. We all make decisions based on the information available to us at the time. Personally, I sold Prestige at 1.21 to buy Chams at 2 naira. My thought process was that Prestige might face challenges at the 1.30 level.

Locotrader:
How will you sell a stock on demand to buy another stock on demand?

It is a missed called which no one will pick.

Stocks on full bids have destinations

well , you can if the first stock has done quite some mileage .

Stocks with significant prior gains (like Prestige at 200%) might have less potential upside compared to newer companies (like CHAMS) in their early stages.

Locotrader:
As it stands now,those in the insurance should pay attention on their stock(s)

Those in chams should pay attention on their stock.

Selling insurance to buy chams is a missed goal and selling chams to buy insurance is village people on call.

Other penny stocks are not also left behind.

Don't be greedy to jump from this to that and from that to this.This is a time to calm down and make good money in that or those companies you bought their shares.

There is strong bull through out January.

No vex . please shed more light on the bolded.

megawealth01:
I only learnt something from AGBA doesn't mean I will copy him. I have a mind of my own; the MIND of CHRIST you know

CORRECT.