₦airaland Forum

akindelelawrenc:
Good morning great investor,
I need advice on this issue, this year I will clock 40yrs and I want to start investing.. this are the following investment in my mind:
Stock or equity fund, money market fund

Pls advice me should I start with one or combined today

@Akindelelawrence, I sent you a PM. reply let's discuss. I need to ask some more questions that may not be appropriate on a public forum so that you can be well guided.

Though one can invest at any age with many other factors in consideration, it's always advisable to start early to have advantage of time.

Christie171:
Pls, I'll like to confirm if these listed MMF managers reinvest interest monthly like Stanbic iBTC?

No, they reinvest interest every quarter. ie interest accrues daily but it's reinvested or paid out at the end of the quarter.

AllyPolly:
Thank you for your detailed response. I still have some few questions.
I'm currently unable to access my NL email. I will message you for more clarity. Thanks again.

You welcome. Just as we discussed over the phone, since you have my direct contact now, you can continue to ask any question that can help you make informed investment decisions.

Demdem:
Thanks so much for this response. Well appreciated.
Indeed, it is a medium risk investment. Does this mean that the possibility of losing one's capital still exist?

Yes, it exist but it's very rare.

Demdem:
Greetings to all. please can someone kindly shed more light for me on the Stanbic IBTC dollar fund? how is returns like? is it true that it preserves your capital? on the App, the brief description of the fund is very limited. is there anyone here that is already in it? whats the experience like? please kindly share. Thanks.

@Demdem, I’ll start by explaining the nature of dollar funds generally, then share my recommendation.

First, it’s important to understand that dollar funds are not classified as low-risk investments; they fall under the medium-risk category.

This is because dollar funds are largely invested in Eurobonds, whose prices fluctuate based on market conditions. Bond prices are inversely related to yields, so there is a possibility of capital fluctuation. However, this risk is relatively moderate compared to equities, as dollar funds are not highly volatile.

In terms of returns, dollar funds do not accrue interest daily like MMF instead, returns are typically paid as dividends either quarterly or annually which investors can choose to receive as payouts or reinvest.

To truly benefit from a dollar fund, you should have a long-term investment perspective.

One of the major advantages of dollar funds is value preservation and hedging against local currency inflation. It allows investors to earn returns while holding funds in dollars, rather than leaving money idle in a domiciliary account with no any form of earnings.

Dollar funds are especially beneficial for individuals who earn in dollars or have future dollar-denominated expenses.

Without bias, my preference remains the Norrenberger Dollar Fund, as it currently offers one of the most competitive rates it's currently around 14%.

I hope this helps.

AllyPolly:
Hello investors.
I would like to start the MMMF journey.

If i spread my investment in 4 MMMF provided. Which would you advice ?
Priority: Easy setup and withdrawal, low risk, reasonable return.
@everyone @emmasoft

Thank you.

@AllyPolly Welcome to the world of conservative investors. It's always good to start with MMF and build your confidence or as a risk taker MMF is good for a backbone support incase one missed it with the more risky investment instrument.
That is by the way.

For the firm to go with based on your expectations, when it comes to services, no one cap fits all, it depends on individual investor and your benchmark of what you accept as good service. As for safety or risk, all MMF are low risk irrespective of the fund manager.

For me I can only give u a list base on the ones I have transacted with and where I have a go to person.

First Ally
STL
Norrenberger
TrustBanc
You can also reach me for more guidance.

I wish you all the best in your investment journey

A Short Note for Investors

Financial confidence isn't built overnight. It's built through consistency, informed decisions, and regular reviews of your investment goals.
As we reach the halfway point of the year, this is a great time to pause and ask yourself:

• Are my financial goals still the same?
• Does my investment portfolio reflect those goals?
• Am I investing based on strategy or simply reacting to market noise?

Remember, it's not about how much you have invested, it's about how well your investments are working for you. A strong portfolio isn't necessarily the biggest one; it's the one built with quality investment instruments that align with your objectives and deliver value over time.

There are about still six months left in the year. That's enough time to make meaningful progress if you stay focused, disciplined, and committed to your long-term plan.

Don't let headlines, speculation, or the latest investment trend distract you from your financial destination. Stay informed but stay intentional.
And if you haven't already, take another look at my post, "12 Things to Remember in 2026", one practical investment lesson for each month of the year. It may be the reminder you need for a stronger second half of 2026.

Review. Refocus. Reposition. The best time to strengthen your financial future is now.

Making money without tears is still our goal!

Wishing you all a greener portfolio!

A Short Note for Investors

Financial confidence isn't built overnight. It's built through consistency, informed decisions, and regular reviews of your investment goals.
As we reach the halfway point of the year, this is a great time to pause and ask yourself:

• Are my financial goals still the same?
• Does my investment portfolio reflect those goals?
• Am I investing based on strategy or simply reacting to market noise?

Remember, it's not about how much you have invested, it's about how well your investments are working for you. A strong portfolio isn't necessarily the biggest one; it's the one built with quality investment instruments that align with your objectives and deliver value over time.

There are about still six months left in the year. That's enough time to make meaningful progress if you stay focused, disciplined, and committed to your long-term plan.

Don't let headlines, speculation, or the latest investment trend distract you from your financial destination. Stay informed but stay intentional.
And if you haven't already, take another look at my post, "12 Things to Remember in 2026", one practical investment lesson for each month of the year. It may be the reminder you need for a stronger second half of 2026.

Review. Refocus. Reposition. The best time to strengthen your financial future is now.

Making money without tears is still our goal!

Wishing you all a greener portfolio!

A Short Note for Investors

Financial confidence isn't built overnight. It's built through consistency, informed decisions, and regular reviews of your investment goals.
As we reach the halfway point of the year, this is a great time to pause and ask yourself:

• Are my financial goals still the same?
• Does my investment portfolio reflect those goals?
• Am I investing based on strategy or simply reacting to market noise?

Remember, it's not about how much you have invested, it's about how well your investments are working for you. A strong portfolio isn't necessarily the biggest one; it's the one built with quality investment instruments that align with your objectives and deliver value over time.

There are about still six months left in the year. That's enough time to make meaningful progress if you stay focused, disciplined, and committed to your long-term plan.

Don't let headlines, speculation, or the latest investment trend distract you from your financial destination. Stay informed but stay intentional.
And if you haven't already, take another look at my post, "12 Things to Remember in 2026", one practical investment lesson for each month of the year. It may be the reminder you need for a stronger second half of 2026.

Review. Refocus. Reposition. The best time to strengthen your financial future is now.

Making money without tears is still our goal!

Wishing you all a greener portfolio!

Samcathe:
Pls is anyone also waiting for Norrenberger withdrawal. I withdrew since 1st July and haven't received the fund up till now. I placed another one on 7th July yet to receive also.

Reach out to the customer service to know the cause of delay because redemption is normally within 24hrs irrespective of the amount involved.
You can also reach out to me.

oiganji09:
Please i wanted to ask which is better to do in mmf it is saving in Naira or dollar

How much dollar can one get daily or monthly let say 1k dollar

My Opinion/Advice

Having naira and dollar investments is both good. It depends on the investor and the earning currency.

First, I will say if you earn in dollars, and you also sometimes spend in dollars, you can convert 60% to naira, and don't just save the 40% dollar; invest it in a dollar fund for better returns because you don't earn anything if your dollar is saved in a dom account. Then invest the converted 60% in MMF.

If you earn in naira, don't bother getting dollars; invest everything in MMF if you are a conservative investor; otherwise, invest 60% in these equities: Zenith, GTB, Wapco, and Aradel, and 40% in MMF. In another 5 years, you will be happy with yourself.
You can also get in touch if you need further guidance.

yMcy56:
@Emmasoft
Your client is here

@yMcy56 thank you. I don send am PM. I hope he replies so we can take it up from there.

HPS3:
Hello guys. Some stocks were bought for me years ago. Apparently veritas is my registrar.

Please how can I sell the stocks. I'm a novice at this. Thank you.

@HPS3, You are in the right place. However, the selling may not be as quick as you would wish; that also depends on the method of acquisition of the shares.

First, you need a stockbroker to open a stock/cscs account for you, and that is where I come in. You can open an account with us at Investment One for free and thereafter do a demat of those shares, which will enable you to sell all or part of your holdings.

The above is the fact that I assume the shares were bought during the IPOs,
You can get in touch for further guidance.

Harddiskng:
@emmasoft, money market rates displayed by stanbic IBTC, are they net of WHT?

Rates displayed are net of all charges (Management fees). The WHT has already been taken from the underlying asset - Tbills and CPs.

Hence, what is displayed is what gets to the investor.

For Firms that display gross, it's expected that it be stated as required by the SEC. For example, you will notice that for those using GT Fund managers, under the rates displayed, a note is written stating that the rate displayed is gross, which is the standard practice.

Avidtags:
Hello, i just went to open an account on both platforms on their website (not app). after filling all details (which takes some time) both platforms said they will send me my login details, its been an hour. no details has been sent. i called Firstally and they should i should have downloaded their investar app instead and signed up there.

Again, these are the issues. It should never be this hard or complicated.

So i am in limbo right now.

Account opening for first Ally is through the app and it's instant if no kyc issues.

For Norrenberger, it is within 24hrs.
You can also reply to the PM message I sent for further guidance

emmasoft:
These figures need some scrutiny because I know two of the companies on that list whose rates have hovered around 15 to 16% for almost a year now. I mean FSDH and Coronation.

Apologies for my earlier post; I mixed things up. I mistakenly mentioned Coronation instead of Mansard. What I actually intended to refer to were AXAMansard and FSDH.

Promotionhub:
To apply for a mutual funds now ! Where would you suggest ?

I can only talk of the ones I represent. Norrenbeger and First Ally, these two have rates that range between 17 to 19% since January.

richforever123:
Check this out

These figures need some scrutiny because I know two of the companies on that list whose rates have hovered around 15 to 16% for almost a year now. I mean FSDH and Coronation.

To all the fathers in the house.

I pray that the heavenly Father will bless all the fathers in all their endeavors going forward. Amen

Happy Father's Day!

To all the fathers in the house.

I pray that the heavenly Father will bless all the fathers in all their endeavors going forward. Amen

Happy Father's Day!

To all the fathers in the house.

I pray that the heavenly Father will bless all the fathers in all their endeavors going forward. Amen

Happy Father's Day!

Wealth Transfer Process Popularly seen and referred to as the bear market.

The experience in the market this week is one of the reasons we advice that investors should have long term in view when approaching any investment particularly an investment that has to do directly or indirectly with the equity market.

Wealth is about to be transferred from the impatient to the patient investor.

This is how it has always played out over the years and will still continue.
Major bears I have seen were in 2008 to 2009 and 2020.

There is only one wish I can hear smart investor making right now - "I wish I have cash I will buy more of fundamentally sound and dividend paying stocks"

The experience is also why you hear this statement in the investment arena - ... don't wait to buy stock but rather buy stock and wait

Wishing all the smart investors strong Green portfolios after now.

investmentvirus:
STANBIC IBTC EQUITY & GT EQUITY
They are really bleeding.

50% loss from my profit. (crying)............................................

I had to move my funds to MMF (GT)

Wealth Transfer Process Popularly seen and referred to as the bear market.

The experience in the market this week is one of the reasons we advice that investors should have long term in view when approaching any investment particularly an investment that has to do directly or indirectly with the equity market.

Wealth is about to be transferred from the impatient to the patient investor.

This is how it has always played out over the years and will still continue.
Major bears I have seen were in 2008 to 2009 and 2020.

There is only one wish I can hear smart investor making right now - "I wish I have cash I will buy more of fundamentally sound and dividend paying stocks"

The experience is also why you hear this statement in the investment arena - ... don't wait to buy stock but rather buy stock and wait

Wishing all the smart investors strong Green portfolios after now.

Agbalowomeri:
Be greedy be greedy
Na so una drown Peterichy

For where, Peterichy dey follow his investment objective o no body get hand for he matter
Never mind, we'll all be fine last last No be today we dey see this kin thing in the market.

Eku market!

The Other Face of the Market

To the newbies, don't be scared, the current face of the market is also part of the game. Everything is in order.
Whether you recently started your stock investment journey or are exploring equity or balanced funds, be calm.

Whichever level you are in the market, it is important to understand that the current market situation is normal. Market cycles have always existed; markets move upward or downward over time.

For discerning investors, a bearish/down market presents an opportunity. By applying a naira cost averaging strategy, this is a good time to accumulate fundamentally sound, dividend-paying stocks in tranches. In simple terms, continue buying during market dips. This approach helps reduce risk and positions you for gains when the market rebounds.

When the market eventually recovers, you will benefit not only from capital appreciation but also from dividends earned while holding these investments. Note that a down market doesn't stop dividends from a fundamentally sound company.

Always remember that price movements in the market are influenced by many factors, and a stock’s price does not necessarily reflect its true value.

According to the popular saying by the living legend Warren Buffett, " Be greedy when others are fearful and be fearful when others are greedy"

Invest wisely, follow your investment objective, not the fears, noise, or hype.

The Other Face of the Market

I understand that many participants here are more familiar with Money Market Funds (MMFs), while some have recently begun exploring equity or balanced funds.

Whether you are new or experienced in the market, it is important to understand that the current market situation is normal. Market cycles have always existed; markets move upward or downward over time.

For discerning investors, a bearish/down market presents an opportunity. By applying a naira cost averaging strategy, this is a good time to accumulate fundamentally sound, dividend-paying stocks in tranches. In simple terms, continue buying during market dips. This approach helps reduce risk and positions you for gains when the market rebounds.

When the market eventually recovers, you will benefit not only from capital appreciation but also from dividends earned while holding these investments. Note that a down market doesn't stop dividends from a fundamentally sound company.

Always remember that price movements in the market are influenced by many factors, and a stock’s price does not necessarily reflect its true value.

According to the popular saying by the living legend Warren Buffett, " Be greedy when others are fearful and be fearful when others are greedy"

Invest wisely, follow your investment objective, not the fears, noise, or hype.

@OKclothier, I replied to your PM, but the message bounced back with the error that your email has been disabled. You can get in touch.
My contact is in my signature or you can also ask any question here if it's what can be made public.

investmentvirus:
Hello my brothers and sisters.

I have been doing stanbic imaan fund and GT Equity since october 2025.
For like 6 weeks now, my profit has reduced drastically. (my capital is still intact. My profit is still much)
Its been Yakubu since for some weeks now.


A Bird told me to withdraw all my money from stanbic ibtc imaan fund and GT Equity, that the coming election and that govt is putting hand on the stock market to hold it.
That there will be a decline for several months.

However i intend selling some in september to buy Dangote's IPO once it comes out. Then keep the rest for long term compounding

Whats your take on this?

Should i move my funds out?
Will the market record losses from June to December because of the election?
Is it true shares will keep going down?
Is the coming election going to affect equity fund and shares?

I need your answers

thanks

My Mum has been putting pressure on me to sell all my equity funds

@investmentvirus, as I mentioned earlier in some of my posts, you cannot separate the stock market from any mutual fund that has equity as part (or all) of its underlying assets. Whatever happens in the equity market will directly impact equity or balanced funds. Market movements, whether upward or downward, are natural and reflect how financial markets operate globally.

You would have noticed that when the stock market was performing well, your funds were also doing great. Now that the market is bearish, you are experiencing the opposite. This is normal.

This is where having clear investment objectives becomes very important. Your objective defines your approach and expectations. Without it, it becomes difficult to succeed in stock market investing or any form of investment.

If you are investing for the long term, short-term price movements should not be a major concern. Instead, a downturn can be an opportunity to acquire more units at lower prices, positioning yourself for future gains when the market rebounds. Markets move in cycles, and recovery is a natural part of that cycle.

Regardless of external or even internal challenges, strong companies and markets tend to recover over time, especially when fundamentals improve.

However, if your risk tolerance does not align with stock-related investments, you may consider safer options such as Treasury Bills or MMF with capital preservation and more stable returns.

Ultimately, aligning your investments with your risk tolerance and objectives is key.

Election or no election, the stock market remains. Generally, most people fear and panic during elections, but it's unnecessary because whether the incumbent or the new government that comes in, there will always be a need for the capital market.

I can tell you right now, many smart investors that has cash with them wish the market goes down for them to see stocks like GTCO and the likes sell 30% below their current price, they will gladly come in and take a position, while those who don't understand will panic and sell off.

I will also advise, do more reading/research so that you can understand better how these investment instruments actually work, which will enable you to make more informed investment decisions rather than just relying on what anybody says.