₦airaland Forum

ETFs have been receiving attention lately. Watch the cycle, so you don't enter at the top.

Best strategy at this time is to trade they cycle however, if your outlook is to hold for long, watch for bottoms tonaccumulate.

The above is for information and educational purpose only.

richgang:
Please who else knows more about the Stanbic ETF 30 , they have done more than 500% in just 3 months. That's huge and no one is talking about it.

This is a barrack.

owobokiri:
Bland designs as asual.
Nigerian architects need to taken to primary school to re-educated..

This is half of the bourse.

essentialone:
40 Best Stocks to pick from now, if you are a LONG-TERM INVESTOR:



1. Ecobank
2. Access Bank
3. Aiico Insurance
4. Aradel
5. Berger Paints
6. Beta Glas
7. Bua Cement
8. Cadbury
9. CAP
10. Custodian
11. CWG
12. Dangote Cement
13. Wema Bank
14. Fidelity Bank
15. Fidson
16. Guaranty Trust Bank
17. Guinness
18. Ikeja Hotel
19. Infinity Trust Mortgage Bank
20. Julius Berger
21. Learn Africa
22. Living Trust Mortgage Bank
23. May and Baker
24. Mutual Benefit Insurance
25. McNichols
26. MTNN
27. NAHCO
28. NASCON
29. Nestlé
30. NGX Group
31. Okomu Oil
32. Presco
33. Seplat
34. Skyway Aviation
35. Transcorp Hotel
36. Transcorp Plc
37. UBA Bank
38. Universal Insurance
39. WAPCO Lafarge
40. Zenith Bank


Do your own Research before Buying...

The account they opened for you with those banks is just for DEPOSIT PURPOSE ONLY. They move your funds to a CUSTODIAN Bank for safekeeping. In that way, they have not broken the SEC rule.

david4mex:
Who else have noticed that Stanbic Money Market Funds deposit account is now actually a Stanbic Ibtc bank account number and GT Funds Manager deposit account is a GTB account number? I thought they said custodian accounts were different banks from the parent banks? I saw somewhere where someone said that GT Fund Manager custodian account was in Citibank while Stanbic Asset Management custodian account was in UBA and i am confused

Wait till they declare 0.05kobo

megawealth01:
How I wish Oando and UNITY have resumed dividends payments. I would have given my sef a good treat in PARIS 😘

If Wale hands over OANDO to foreign firm, I'll gladly leave my OANDO as generational wealth although I go still open eyes regularly

Incognito403:
Does this mean Brazilians have become Yoruba sl@ves?

Because Yoruba Nesan followers say once you follow a religion that comes from a part of the world, you've become their slave.

The Yorubas that were taken to Brazil and Latin America preserved their culture and tradition. Furthermore, it was a protest against their masters.

Gabriel411:
Run from stocks, invest in equity or mutual funds instead

I'd tell you to do both. Do equity, do money market, do fixed income, diversify.

I have to EMF, and on my own, I've done over 50% in 2 stocks this year. Sold them and took a profit. But i am still waiting for end of Q1 to receive anything "tangible" on my EMF and MMF.

Stockpromoter:
I must tell you the truth and anyone can go and confirm.

The best broker is cardinalstone.
I am not bothered about brokerage fees any longer.

1.45 buy and 1.80% sell is not bad when you compare the risks involved with other cheap brokers like mc and Atlas portfolios.

I have confirmed all these brokers one after another

I use those two you mentioned as cheap for trading - mcse and Atlass, and IOFS for long holds. The only issue with MCSE and ATLASS is their platform (iTrade )'s reluctance to give us a mobile app.

Rmichael23:
You are not alone on this, I also requested a withdrawal on Friday, they also acknowledged but I have not been paid up till now.

I think they are are overwhelmed lately.
It happened twice last week and they were scheduled for dates down the line. I sent a reminder on the second one before i got it.

PETERiCHY:
Don't mind him. he thinks it's everybody that have time for arguments, A document that shows the date and time it was downloaded from Morgan Capital.

He thinks its Ai because he doesn't believe in percentage of the profit in that portfolio...

Well this actually our 26yrs in STOCK BUSINESS and EXACTLY 10yrs we started building that particular LONG TERM PORTFOLIO with Morgan Capital


BARGAIN HUNTERS TAKE NOTE!

20 companies... Look at me looking for ways to consolidate my portfolio and reduce my long term list.

ehay:
Good day all,

Just found out I have two CHN with two different brokers. Both CHN's were opened with different surnames due to marriage. Please do I operating them separately or do I merge them into one? Also will merging them affect the stocks due to different surnames.

For now, operate them separately. If you find a convenient point to migrate, sell the ones on your old name, and re-enter on the new one CHN.

Thewrath:
We are getting there,we need 10k troops before 2027 elections too.

You don't want to hold the election be that.

Whatever you do, be careful with halo. I made a small deposit last year to test their platform. No progress, no returns. I can't even withdraw on the app, funds I deposited on the app.

welzyj2:
Did you create your account via the app. Looking to create an account also.

EquityM:
How is your experience with Halo? Are they reliable and safe?

Please stay away from HALO. They are the worst investment app/platform I've ever tried in the country.

So you pay taxes on losses?

Streetinvestor2:
I just needed all my gains of many yrs to be in the bag.Infact many pumping go happen in December before 31 by big guys in the market to reset thr portfolio.
Look at it this way.If u push the price so high and next yr it drops small.Na loss u go even declare for CGT. I expect better bull in December

EquityM:
I actually prefer 50%. I just hope Cardinal will be able to make it this year. The CSOF of Cardinal, which has a minimum capital of 100m, is already at 20+%. I can't quite understand what stocks made the CSOF skyrocket.

You can check online, you will find the movers and shakers in their EMF portfolio. Most EMF pick 3 to 5 stocks on the premium board and a good number in the top 30 of the EQUITY board. Some even check it to decide what they can invest in directly. Another way is to check the ETFs they run. It can give you hints on their portfolio.

EquityM:
How is the equity trading? Does it deliver good returns?

Last year the ASI delivered around 51%. A couple of EMF beat it, while some were below it. "Good returns" is generic. Some are fine with 15% returns; for some, it has to be above 50%. It depends on individuals. For me, it has to beat the prevailing inflation or bank lending rate and give me 5-8% on top of it. So, you have to define what your good return is.

To your question, the returns on EMF have been impressive.

Spot on. These days you can't even start any transaction until your KYC is complete.

Arizona86:
I have used them before, you need to ensure your KYC is approved before investing with them. Most of those complaints are people whose kyc is pending approval and they want to withdraw their funds.
They also have a policy of 24 to 48 working hours before your fund drops in your wallet when you sell your investment but once the money is available in your wallet withdrawal takes some few minutes to transfer to your bank

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

I've used for years and no issues. Portals and apps may have glitches but it doesn't make a house like afrinvest a bad one.
For me, the are one of the powerhouses in the capital market.

nicestlady:
Any thoughts on the MCO Penny ltd savings? It promises 26% interest per annum with upfront interest payment. How safe is it? Anyone invested before?

Spiritual monkey hunting.

awesomeJ:
Chairman of Atlass has also resigned.
The MD resigned last week, what's happening o

This may pose as a concern but the risk to investors using them is negligible.

EquityM:
I will get back to you with the answers tomorrow. CSCS and CHN are mainly for buying stocks. Once you register with CardinalStone, the CSCS and CHN are assigned to you automatically. I will get back to you with a link to see all the stocks in the equity fund. Registrar, you don't have to click the link.

CSCS and CHN are also useful when you buy FGN Bonds. They are your capital market IDs.

EquityM:
Stock trading requires a lot of skills and patience. I will stick to equity for now. Getting a dividend from the registrar is a pain in the ass, including NIBSS.

May be in the past. dividends are now paid directly to your bank account. All you need is to fill an e-mandate form ONCE and you are good.
Some registrars have even made it easier. They have apps where you submit your details and they will hand it from there.

EquityM:
I just started three months ago; I'm still learning and getting new information on equity daily. How is your experience with the equity trading? Does it pay better than investing in individual stocks?

From my experience, individual stock will give you greater gain/loss than equity within a period. The gain or loss now depends on what you invested in. Remember: equity is more like an average of the portfolio (stocks in it).
I use it as my conservative base, while individual stocks are my aggressive side for capital appreciation and dividend play.

Except you have access to highly classified info, a day's movement is not enough to say the investment is bad or good in equity. That is if you know what you were going into as at the time you invested. The equity market in Nigeria is safe. the market can only +10 or -10 in a day. Unlike advanced markets where anything is possible.

Same applies to EMF, EMF is even slower to respond because it is not just 1 stocks.

Care4:
Meanwhile, Top Equity Funds in Nigeria (2025)
1. Halo Equity Fund
Frequently the top performer in the equity fund category in 2025.
Reported some of the highest YtD returns (e.g., ~53.5% as of October).
High-growth, high-volatility fund: best suited for investors with a strong risk appetite.

2. Afrinvest Equity Fund
Also among the leading performers in 2025 with strong YtD gains (~53.5% as of October).
Offers diversified exposure across large- and mid-cap Nigerian equities.

3. Guaranty Trust Equity Income Fund (GT Equity Income)
Consistently among the better performers with solid returns (~56% in earlier H1 data).
Focuses on dividend-paying and blue-chip stocks — good for investors seeking both income and growth.

4. Zrosk Magna Equity Fund
Ranked highly in performance lists with double-digit YtD returns (~42%).
A more aggressive equity fund aimed at experienced investors.

5. Paramount Equity Fund
A long-established Nigerian equity fund with solid performance (~40%+ YtD).
Known for diversification and capital appreciation over the long term.

6. Stanbic IBTC Aggressive Fund / Nigerian Equity Funds
Well-established funds from a reputable manager showing noteworthy equity exposure and returns.


Sources: Nairametrics & Finance in Africa

I have tried 3 of the above and looking at including a 4th one. All depends on Q1 2026 results.


But for now, I'm taking positions for direct equity ahead of the dividend season.

Meanwhile, Top Equity Funds in Nigeria (2025)... THIS LIST IS NOT A RECOMMENDATION.

1. Halo Equity Fund
Frequently the top performer in the equity fund category in 2025.
Reported some of the highest YtD returns (e.g., ~53.5% as of October).
High-growth, high-volatility fund: best suited for investors with a strong risk appetite.

2. Afrinvest Equity Fund
Also among the leading performers in 2025 with strong YtD gains (~53.5% as of October).
Offers diversified exposure across large- and mid-cap Nigerian equities.

3. Guaranty Trust Equity Income Fund (GT Equity Income)
Consistently among the better performers with solid returns (~56% in earlier H1 data).
Focuses on dividend-paying and blue-chip stocks — good for investors seeking both income and growth.

4. Zrosk Magna Equity Fund
Ranked highly in performance lists with double-digit YtD returns (~42%).
A more aggressive equity fund aimed at experienced investors.

5. Paramount Equity Fund
A long-established Nigerian equity fund with solid performance (~40%+ YtD).
Known for diversification and capital appreciation over the long term.

6. Stanbic IBTC Aggressive Fund / Nigerian Equity Funds
Well-established funds from a reputable manager showing noteworthy equity exposure and returns.


Sources: Nairametrics & Finance in Africa

Looks like we are on a cardinal thread.

Donbrig:
I once invested in equity and I lost everything in few weeks, and swore never again... I felt so bad and was inspired to write a book on "The Iniquities Of Equity"


If your body nor full, abeg nor put body Ohh.

There is direct equity investment - trading shares/stocks; there are exchange traded funds (ETF) on the stocks exchange and also, the Equity Market Fund (EMF) in the capital market, know the difference.

chimex38:
Take a case of water. The most important life element on earth.

I learnt wike inaugurated water supply projects in parts of Abuja few months ago.
I thought capital city already had connected water supply?
With bloated house rentage and ownership costs
So it's all individual boreholes running the capital city?
with maintenance costs if at all they are ever maintained.

How much more unsafe water in other areas and states in Nigeria.

A business that depends on water, rather than just pay service fees and get outsourced pipe-connected to its business via FG or sub-national clean and well maintained water infrastructure agency will have to now own boreholes, buy more land spaces, build tanks, etc change filters amongst other maintenance costs from time to time.
The point is, the long term effect of this potential developmental growth and exciting days ahead for the country will be extremely and extremely long even for long term holders.

Public water supply is limited to the earlier developments around the city centre.New developments, are on their own.Developers charge new homers a fortune as development/infrastructure fees yet don't deliver any utility.

mastermaestro:
Since he had a guest (the first lady) who ceremonially in the Nigerian political context is more powerful than him, he should have exercised some decorum. He should have been wiser. On the part of the first lady, she should have tolerated him there and kept the caution for later.

Both of them acted badly, my conclusion.

Seriously? In which of our laws or constitution is her position recognised?
A first lady should learn to be a lady. Especially when she's a guest.

Blackdisciple:
Sure they do

List 5 Arab countries with an open door policy for muslim refugees