₦airaland Forum

emmanuelewumi:
Rent goes up as inflation increases. An apartment whose rent was about 150k in 2007 is now going for N1 million.

So if you don't want to do real estate, invest in stocks with good dividend growth such stocks will beat rent increase I remember when zenith paid dividend of 70k per share but paid dividend of about N4 last year.


Bonds have a higher yield, all my bonds have yields of 20% and above but the coupons won't increase for the next 20 years

There are risk averse investors who don't do equities and real estate, except for their primary residence and they are doing well.


Let us look at this scenario, assuming they had N100 when yield of FGN bond was 20%. They can deside to buy an apartment from LSDPC and get a rental income of N5 million for a start which can increase to N15million in the next 10 years.


Or buy FGN bond with the N100 million and earn N20 million coupon for the next 20 years. I love buying long dated bonds.


Buying a property will include keeping aside about 1% of the property's value or 20% of the rental income generated whichever is higher for the repairs or maintenance of the property.


What a smart bond investor should do, in order to do better than the real estate investor is to spend just 25% of the coupon and reinvest the remaining. That is when he got a coupon of N20 million, he should spend just N5 million and reinvest N15 million.

The reinvestment of the N15 million from the coupon will give him another coupon of N3 million, excluding the original N20 million making a total coupon of N23 million in year 2.

Then spend 25% of the N23 million which is N5.75 million and reinvest N17.25 million buying another bond

By doing this his coupon will increase faster than rent

Valthegreat:
If I didn't raise this topic today perhaps I wouldn't have known that informed investors are this averse to real estate (rental income) investment. But all investment books are always talking about cash flow of which rent is among the most strongly recommended?

Streetinvestor2:
On a different note.Who really had time to look at stock market during covid
If you they watch foreign media dey see how people take dey die walahi nothing go concern u with stock investment. If not on strong personal resolve I would have participated.Do u know the number of unhealthy things people whr subjected to do as prevention even educated ones . I remember when everyone in my house lost the sense of smell/taste. My wife nearly finished us with garlic, ginger etc concoction. I stood my ground that nobody will take the vaccine after pressure from doctor friends. So I don't really see the prices than as opportunity lost...lol

Valthegreat:
You need to understand the intricacies of lease development business to understand the answers to these questions. They usually need liquidity to develop the next property, so let's assume he spent #100m to develop this one deck of six flats (remember he didn't buy land) he is willing to sale some parts to raise block funds to develop his next property ( I learnt he cleared another plot 2days ago for redevelopment).
Should he rent the whole property out he should raise only approximately #16m but if he sale these two at #28m and rent the remaining 4 flats at #11m he will likely raise more funds to develop his next project instead of borrowing from bank at around 37%.

I believe that's the mathematics behind their decision to accept long term lease instead of collecting just annual rents.

In other words his long term profit is still intact via the remaining 4flats as well as the opportunity to develop more properties.

crownprince2017:
Una don discuss am for WhatsApp group, so you need people here to believe in the movement ba....

Streetinvestor2:
It is not entertainment. They are fighting to get the bone on thr throat out...lol

Streetinvestor2:
Peteru and gang how many units of Japaul una sell today. I no u people don begin sell.Na person way no dey sabi una body language in the MH dey lost road.You guys need to sustain volume at anything above 2.50..lol to exit fully.
You should expect peteru to announce that the new entry price for Japaul is btw #1.80 -#2.00 in coming days for bargain hunters after completed exit.

Make una dey fear God as una they pursue this money oh.I hope una no get tempted to join kidnapping or organ harvesting at this rate..lol

Locotrader:
Japaulgold
Now you will see heavy crossdeals at the highest bid price and the game continues.

Heavy buyers
Heavy volumes
Na today break out started.

If you no get am you no get am.Bye bye

jonnysessy:
The earlier you realize you are on you own in the investment world the better for you. All the people you guys refers to as guru and Ogas on this thread are not here to render any form of assistance to you. They are here to make money. Hence, they feel there should not be any free handouts. That is why you remain the CEO of your portfolio. I will advise you remain with strategy and some stocks that had worked for you in the past. Once in a while you may see few who will drop some previledge information on the thread. It took me quite a while before i understood this. There was a time i entrusted my portfolio in the hands of a brother because i thought he was better on investment issues. But, later i realized with more dedication i could do better. Hence, i took over my portfolio. The rest they say it is history. My point is nobody have your back in the investment world but you.

Lesson learnt: There is no free meal, even in Freetown

nosa2:
If it gets to the price I think it is worth I will happily sell. If there is news that makes me feel that my original thesis is wrong, I will happily sell. IF I wake up and the wrong side of my bum itches me and I decide that is a signal to sell, guess what I will do?

My number one priority is me myself and I. So long as I can justify my decision to myself I am fine with it. If anybody follow me and they enter bush then they are on their own. This is not a team sport. I am here to make money from other market participants (YOU)

Agbalowomeri:
Analyst is tired of market inactivity

PuristForest:
Next year is shaping up to be extremely volatile in the markets… e go hard. I really hope the ASI can reclaim and break 157, but here are the facts:

Nigeria is already under significant macro pressure — currency strain, rising inflation, the looming capital-gains tax, and ongoing uncertainty across FX and bond markets. Then came the Oct 31 CPC designation, which only amplified the tension, triggering an 8% drop from 157 to around 140.
…... DYOR

mallamOmonile1:
Ejoooo

Please how can one buy TIP PLC public offer?

I search internet i cant see the application form neither is the offer listed on Ngx portal.

Good evenning.....

funkymedina2:
Thank you. Customer service is very important for me

Stockhunter:
It is a huge one. But i am really hoping they do because if they do, there wont be any stopping ellah o with that kind of capital. And they be competing very well with presco and okomu. My only concern will be the outstanding shares. Well this may not matter so much if the results starts showing. They already have the publicity. Once i confirm they achieved the capital raise i will take partial long term position until the results become good then i scale up.

KarlTom:
Depending on your broker, the charges might make the final cost price more than the RI price...

gabscity:
Good evening everyone.

I plan to take up my PRESCO RI on Monday.

I have downloaded the PDf form from First Registrar, however I dont have where to pay into.

Please anyone who have done theirs should advise me.

Thanks.

Audacius:
IT SEEMS they have done an integration of the various existing systems that hold investors' data and MAYBE we no longer need to fill e-dividend forms.

I bought some stocks for the first time recently and I started getting emails from the registrars. I also observe that the e-dmmms platform is longer active. It has been like that for some time. People have been mentioning they have been getting dividends they did not fill forms for. I have too. But I observed such go into my savings account while the ones I filled e-dividends forms for go into my current account as I requested when filling the forms.

I assume the system has a criteria on where to send dividends to if it sees multiple accounts, even if it goes into an account you would rather not use. But an unknown account, as in your case, complicates things further.

Automating dividend payment like this is a development that could be expected. But the problem I see is that one has to figure things out. There seem to be no communication on the matter at all or not properly done. I try to keep up with investment news but never seen where they indicated these "development". We just start noticing and figure it out.

awesomeJ:
I live in band B! we enjoy subsidy.

awesomeJ:
Interesting thing about trading volumes:

Now that small 0.0009625 has not only cleared the 40k shortfall, I now even have like 120k surplus.

120k is significant to me. It's enough to pay my current power bill for a year!

emmanuelewumi:
Sell now and buy back

emmanuelewumi:
Sell now and buy back

emmanuelewumi:
You better sell your Presco shares

awesomeJ:
very high! sometimes up to 1% of deals.
fees are about 1.1%
margins are 1-2%