₦airaland Forum

I am looking for market for broken iPhones, Samsung etc. May be they can be used as spare parts or try to fix them if possible

Are you saying I have to carry out assessments for year 2026?

happiness440:
You carry out assessment for the specified year.

Are you saying if I get Airtel 5G smartbox router, I will have access to unlimited data?

Ifeanyi4491:
ODU THAT IS 25K, I HAVE USED OVER 600GB TOO.

Can you tell me the kind of router you bought to get this unlimited data?

gracefoundmme:
I disagree with you bro, maybe you made a mistake, been using this Unlimited plan for 30k for months now, what I am seeing is 100gb and not Unlimited GB like you can see my screenshot

Btw, why am I not seeing any "Taxes Due"? The last time I file my tax was in June.

happiness440:
For those yet to file CIT for year 2025, Penalties for late filing stands has accumulated further. It's now accumulated to total of N200,000 of for anyone who wants to file CIT, and for those who will pay taxes; penalty and interest at prevailing MPR rate will apply.Business owners, please comply.

That 22% on their main page is just marketing strategy. The highest they can offer is 18.38%. I had pitched my tent with fairmoney. It's just a fixed deposit for 1 yr

Joyleke:
Ren money gives 22%

Thanks for your submission. But I want to do this just for 1 year before using it to boost a business.

Do you think compounding effect in MMF will have any significant effect compare to 20% interest rate of fixed deposit in the same 1 year?

Gboss247:
Putting it a money market fund will be better, with an interest rate of 17% will yield ₦2,300 per day which you can compound and reinvest.
Note: Just a suggestion, not a professional financial advice.

House,
I have about 5m naira that I will need to use for investment in late 2027. This is more than 1 year time, and I don't want to touch it and I want to avoid traditional bank with thier ridiculous interest rate.

Can someone suggest where I can invest this that will not be risky and will be easily withdrawable as well.

Money market on cowrywise comes to mind. I just want to know if there are better options for me.

Thanks

Thanks. Looking forward to your message.

MrSuama:
Once mine is stable, I will alert you.

Airtel

MrSuama:
Which network?

Can someone tell me where I can buy data bundle at cheaper rate?

So, I have to contact all the registrars that I have stock with to be asking them where are my.dividends

It's alright then..

megawealth01:
Nobi cowrywise dey pay dividends. Na registrars dey pay na

Hello house,

I don't know where cowrywise is paying all my dividends into. It has been difficult to resolve this.

Pls who can recommend fund managers that are so transparent with their paying of dividends? I want to be receiving all my dividends in my bank account.

Thanks.

What are the fund managers that are paying dividends to equity holders out of all these?

dammiecool:
I have funds with stanbicibtc,ucap,lotus,gtfund,paramount,CardinalStone & zedcrest.
I have used my tongue to count my teeth.

What does this DCA mean pls?

Ok. Got it. DOLLAR COST AVERAGE.

CSblackpink:
Do not take your gains yet if you are going to hold for the long term; just do DCA regularly and you will be good to go. Moreover, foreign stocks are known for gigantic volatility; your gains can be wiped out in 2-3 days.

Cowrywise Equity is really bleeding. This is not meant for the faint-hearted indeed.

Always use the same information such as address, phone number, bank account etc in joining new fund managers. So, I think by doing that, you will have only one CHN across board..

You can register to other funds managers such as cowrywise, Cardinalstone, Zedcrest, paramount, arm etc.

Read reasons it's better to avoid multiple CHNs[i][/i]
In the Nigerian financial market, a CHN stands for Clearing House Number. It is a unique biometric identifier assigned to you by the Central Securities Clearing System (CSCS)—essentially serving as your financial "fingerprint" or national identity card for your capital market investments.
Ideally, an investor should have exactly one CHN. Having different (multiple) CHNs across various fund managers or stockbroking firms is problematic for several key reasons:

1. Fragmentation of Your Wealth
When you have multiple CHNs, the CSCS system views you as entirely different people. This means your investment portfolio is split into isolated silos. Instead of logging into a portal or using a service like the CSCS USSD code (*7270#) to see your total net worth at a glance, you will only see bits and pieces scattered across different accounts.

2. Identity Theft and KYC Risks
A major reason regulators (like the Securities and Exchange Commission, SEC) fight against multiple CHNs is security.
Having different CHNs often points to inconsistencies in your KYC (Know Your Customer) data—such as slight variations in the spelling of your name, different dates of birth, or mismatched Bank Verification Numbers (BVN).
This messy data makes you highly vulnerable to identity theft or unauthorized asset sales, because it is much harder for the system to flag fraudulent activity when your identity isn't consolidated.

3. Missing Out on Corporate Benefits (Dividends & Rights Issues)
If a company you invested in declares a dividend, bonus issue, or a rights issue, the registrars rely heavily on your unique CHN to match your holdings and credit your bank account. If you have mismatched or multiple CHNs, the system can get confused, leading to:
Unclaimed or delayed dividends.
Failed verification when trying to buy into public offers or rights issues on unified electronic platforms like NGX Invest.

4. Administrative Nightmares During Consolidation
Eventually, you—or your heirs, during estate management—will have to fix this. Reconciling and consolidating multiple CHNs requires a long administrative process. You have to write official letters to the CSCS through a stockbroker, go through biometric recapture exercises, map all the numbers to a single BVN, and pay processing fees to merge the accounts.
The Rule of Thumb: You can have accounts with as many different fund managers or stockbroking firms as you want, but you must give them the exact same CHN that you received when you opened your very first capital market account.

Chibuchris:
Thanks for the reply. So should I just focus on one (The first one i registered).
If i do would i still have problems in future

It's always advisable to have only one CHN across all the fund managers but you will have different CSCS number with different fund managers.

Chibuchris:
I opened two accounts one on afrinvestor and i-invest platform, the two gave different chn and cscs number, is any bad in it, or i should just focus on the first one i opened.

Please help

Lol, 🤣 🤣 🤣
Those that rushed in into stocks and equity would be rushing out now. The downward trend is not funny anymore

I just realised the real meaning of aggressive investments now.

Allboiz:
Emotional rollercoaster don set in

Na now we go know who get mind.

in

Someone should advise me. Is it true that Equity should not be left as a long term investment? What is the max time is considerably safe and advisable to leave them on?

Equity to me is not lock and forget, stocks with good fundamentals that i believe you can switch off from checking either bull or bear for 5 years

But when he is investing his money, there was no suspicion. I just tried to cash out from CS, Cowrywise and paramount.

Cowrywise dropped within 5 minutes..I am still waiting for CS while I could not cash out from paramount at all.

Does anyone know when EF can be withdrawn from Paramount? May be it's too early for me to withdraw from Paramount.

Ensol:
If it was already verified during account opening, then they have no reasons to request for it again except they felt some suspicions

So we can top up right now?

welzyj2:
My thoughts ooo...not a financial advice. The market is still trying to get a good balance but ASI won't come below 250 next week

Topping up to reflect on Monday is a good step. I see next week being better than this week

Mind sharing their email address?

Svoboda:
Send an email to enquiries. Their response time is impressive, or you could have called customer care before close of work.

House, how can I go about ARM verification? When tapped "reason", nothing is there. What is the best way to contact them?

Most ladies are actually supporting Chike's action. They said he is the boo of the booless. The point is, how is he going to get endorsements and recognition he deserves after he has navckid a married woman?

Okoyeeboz:
This thing will adversely affect Chike's career and he deserves everything that comes with it.

I have funds with Paramount, CS and Cowrywise. I think Cowrywise EF is not doing badly either. It was for a few days they were on Kanayo but they are also doing Yakubu right now. In my opinion, I think Cowrywise EF will be among the top 5-7 in Nigeria.

Iamblessed8888:
I was in your shoe a while back and i wanted to leave cardinal stone, until it brought 7% returns in one day. Made over 2M that day. I’d say, stick with the winners.

Zedcrest
Paramount
Cardinal stone.

I love paramount coz it does not have alot of stocks in its basket. Only a handfull of solid picks across most sectors. It’s not zedcrest but i’m damn sure none other comes close, except maybe CS but definitely not cowrywise. Perhaps Zrosk also but they dont have an app and only give monthly updates.

In my experience, there are quite a handful of days when paramout outperforms Zed. Yesterday for example.

The funds in cowrywise’s basket aren’t exactly the winners.

No, I am not interested in all those. It has always been ending in loss for me. Thanks anyway.

Alexas58:
I’m not on Bybit
But if you want my login details for normal broker
Here they are

Are you copy trading on bybit at all?

Alexas58:
Competition is up and running
These are the list of participants.
This is not a demo account, traders are going to be playing for 6 months.


So you watch and support your favourite traders, we are all doing it live for all to see..

Welcome to real trading life.

Copy your favourite traders now !, and make money.
Watch them execute and place trades

Zedcrest might possibly be into loan also. Anytime I reach bongo, I will join Zedcrest. Those guys surely know their onions with what is happening across all other FMs.

Niiade:
Zedcrest no dey gree o where dem dey see the money

Amen and I tap into this my brother. Though someone like me is just getting started into this. But I know it's never too late to delve into this.

CSblackpink:
I just took out the money I invested in Zrosk last week to concentrate on this FLXK. My broker allows a single ETF per portfolio, as it is deemed dangerous to have multiple volatile ETFs in a single portfolio. My SMH is also second in the rank, followed by URA and BATT. I hope God will give me the strength to work hard for another 10-15 years and retire.

Hi house, can I buy some units from UBA now?

And pls how can I claim all my dividends in my cowrywise stocks e.g dividend from MTN?

I really wanted to sign up with Zedcrest but Zedcrest app is not available in my region.

I just tire, my brother.

CSblackpink:
Don't dive into a balanced fund; go ahead and top up. Try and open Zedcrest to balance your portfolio.