₦airaland Forum

LoriHamo:
O boy....

Seems Gtbank equity is ONLY invested in banking stocks with UBA having the largest percentage...

Because.... what in "gods" name is this?

Na wao o o

I sympathise with you.
If they're heavily invested in banking stocks, you should expect more loss today. UBA did another full offer today but other banks are gradually breaking free from its drag.

Best is to buy the dip and hold.
I know you will recover - you're tenacious.

Beeron:
Please Note: If you intend to buy my recommended stocks after watching on YouTube:

Mention my name here and ask— If it's still safe to buy, because, market might have moved at that moment you might want to buy so it's better you mention my name and ask the current status of the stock.

Secondly, if you see profit but can't tell when to exit the market to enable you lock in profit — mention my name and ask, if it's the right time to exit, I will help you check and provide you answer.

Happy Trading, let's make this money.

Can you recommend stocks to hold for long term - doing at least 100% in a year or two?

.

richgang:
CP is better . Trust banc mmf rate is 19.9 and CP is like 23%. If you put 500k in their mmf you get 599k and if you put 500k in CP you get 617k . The fee you highlighted is just a small portion stanbic charges for helping Trust banc sell their CP

This is not necessarily so. Mmf rate fluctuates and even so because they get compounded quarterly or monthly, the effective yield is usually more than the rate.

For example, say the nominal rate stays at 19.9% for the year, the effective yield will be 21.44. So a 500k investment will amount to 607,200.

richgang:
If you have GT banking app , it's easy and smooth 17.5 percent. Or use cowrywise for trust banc mmf for 19.9 percent .

There's no option of selecting individual mmf on Cowrywise any longer. You're given a combined portfolio at the current rate of 16.88%.

Morocco have been officially crowned champions of the 2025 Africa Cup of Nations after the CAF Appeal Board overturned the result of the final against Senegal.

The decision comes after extraordinary scenes in Rabat where the Lions of Teranga walked off the pitch in protest, leading to a retrospective 3-0 forfeit victory for the host nation.

I think that's kinda the norm.

Cowrywise is the same. You can get it to your stash almost immediately but transferring your redeemed funds straight to your bank account takes 24 hours. Cardinal Stone takes between 2 - 3 business days. Those are the two I've withdrawn from so far.

rukyboy:
These mumu GTB people are telling me it will take 24hrs to receive redeemed funds.


I'm disappointed!!

Their bank app is also their investment app.
Also, the rates posted are gross rates (charges inclusive)

chigozie69:
What's there apps to register from?

The Central Bank of Nigeria (CBN) has reduced the Monetary Policy Rate (MPR) by 50 basis points to 26.5% from 27%.

The Central Bank of Nigeria (CBN) has reduced the Monetary Policy Rate (MPR) by 50 basis points to 26.5% from 27%.

Ok.
Thank you.

EquityM:
You will get it tomorrow.

.

Ok.
Thanks, bro

Smattrader:
I just did too but this evening. I initiated once and it took just full day. Wait, you should receive alert tomorrow, hopefully.

Does anyone know how long it takes to get credited after initiating a sale of fixed income alpha on Cardinal Stone units?

I sold them today around 2pm.

No, madam.
The original rates for earlier investors are not tampered with. The new changes apply only to new subscribers.

LoriHamo:
Good morning boss mî....
I just dey reason something......from cowrywise app....the pulled mutual funds is now 16.57%....i want to ask, what rate are they now using to compute daily interest for people that initially funded Trustbanc via cowrywise..... because obviously the rate is higher than the aggregate rate they quoted there?

What's Cowrywise up to?
No way to invest on individual vendor anymore. It has to be a portfolio of selected vendors.

I made a complaint immediately I saw the new update.

You're right. I just confirmed this.

IamtheDef:
Who is seeing this update that Cowrywise just introduced? or is it just me? you cannot select individual funds to invest in again, it now comes as a basket of different funds.

EquityM:
Of course, and monthly compounding.

Really?
That's an effective yield of over 20% p.a.
Although trustbanc still beats this, even at quarterly compounding, but it's a very good alternative.

On Cowrywise, you get to see your daily returns but returns are paid out or reinvested, if you opt for that, quarterly. The current rate is over 19%

Kpboy1:
Thank you. Please how often is the payout, can it be flexible like weekly or monthly? What's the annual rate or monthly rate. Thanks again

Check your mail. Your default username and password are sent to your mail. Afterwards, you'll be asked to change the password.

doggedfighter:
I know my email but I didn't create password at any point. That's where I am finding difficult to understand.

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.

Beeron:
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

I just subscribed to your channel.

I tried Renmoney 2 days ago, the rate is not as you think. Those rates include WHT. I'd advise you download register and check out the real rates before investing.

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.

P.S. I didn't invest with them.

Beeron:
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

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?

Beeron:
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.

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

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.

Can you enlighten me on this fixed income funds?
I'd thought rates are fixed hence the name fixed-income. 🙏

Why is nobody talking about this? It's easier to fund your wallet with the 3.0 app and then move the funds to your MMF account. I've seen many people funding their MMF accounts through UBA with narrations. I believe the first method is effective and should be encouraged.

Am I missing something?

Using the app, I funded my FUND WALLET and with i made a purchase of STANBIC IBTC MONEY MARKET FUND. Purchase shows successful but it hasn't reflected on my investment balance. It's been an hour.

nickae:
Network issues from their side, use the app

Same with the app. It says unable to process login, try again later.
It's been like this for over 2 weeks.

I keep getting this error whenever I try to log into blunest.

airsaylongcome:
The bolded immediately tells me the issue. Firewall. VoIP solutions are major targets for hackers when they (the VoIP servers) are online on the Internet. To mitigate this, FreePBX has an aggressive firewall policy. You not being able to access it immediately tells me that you haven’t correctly configured the inbuilt Firewall. Restart the VM twice within 5 mins and the firewall will be temporarily disabled. You then need to add your local subnet to the whitelist so that any device on your local network can access the FreePBX gui. I’d suggest you do this using your laptop’s web browser. This should be part of your initial configuration after a fresh install and it sounds like you didn’t go through that (or skipped it). If you still have issues, I’d say reinstall, and go through the initial configuration using your laptop’s web browser. There’s a part during the initial configuration where it asks you to register with Sangoma to “activate” the system, while not strictly necessary, I advise newbies to go through that process. Create a Sangoma account and all and have the install activated. Saves you a lot of stress. When you have some experience, you can skip that and still be able to configure the system with some know how.

Long story short, reboot your VM twice within 5 minutes to temporarily disable the firewall, access the FreePBX VM using its IP address on your Laptop’s web browser, whitelist your local subnet and possibly go through the Sangoma activation process. Then enjoy. If you have issues, just do a fresh install and on first access, do all of the above. It sounds like your firewall hasn’t been properly configured.

Stuff you know from experience that other intelligent resources will not be aware of (I’m sorry I couldn’t resist)

You're most probably right. I just remembered the subnet I registered is different from the one I'm currently one I'm using.

I actually did go through the first set of videos - installations, configuration and security updates.

I'll include my current network and report back. Thank you.

airsaylongcome:
Great. So very well powered. I’d say run it again, pull up the VM command line and run ‘htop’ (without the quote, you might have to install it using ‘yum update && yum install htop -y’). See what is maxing out resources just before the VM shuts down. Do you get the same behaviour if you use your laptop’s web browser?

Here is a pic of running processes at initial login.
Even right now, I can't access the GUI using the ip address. It takes too long to load and eventually times out.

I get this occasionally. I will have to restart again for it to work.

airsaylongcome:
Do you get the same behaviour if you use your laptop’s web browser?

Do you mean when I use my browser for other things?

MindHacker9009:
@airsaylongcome

Your knowledge of VoIP is based solely on what you've read online or in books, as you haven’t developed your own Asterisk or FreePBX software before. Sorry to burst your bubble, but opening this thread to position yourself as the sole expert and then trying to monetize it is misleading. In reality, you likely know less than 10% of what AI generated resources can provide on VoIP.

I appreciate your prompt responses, Chief. But honestly, that’s not accurate. He never claimed to be the only one with knowledge in the field. What he did was share openly and encourage others to explore the VoIP niche.

His approach actually motivated me to give it a shot. I was inspired by the way he went about it, so I figured—why not try? I even make out time from my AWS studies to practice, cause of that push.