₦airaland Forum

heavenisreal18:
Good morning investors

Pls I have 10m should I put everything in MMF or split it into two for mmf and treasury

If your risk tolerance is low, put all the money in a money market fund, read about equity/stocks investment on the stocks thread and other books or sources, once you understand a bit of how stocks work, open a stock/cscs account and move part of your funds from MMF and get fundamentally sound and dividend-paying stocks, you will be sure of capital gain and cash flow from dividends.

okenze007:
Good evening all.
Pls I have some shares I bought around 2008 to 2013
Among them are
zenith Bank
Access bank
May and baker
Japaul oil
Eco bank transnational
I just stumbled on them within the after I heard about zenith Bank dividends.
I have about 2343 shares on zenith but for the last 10 years I have not received dividend.
Pls how do I go about receiving my dividends
Thanks

First you will need to complete the e-dividend mandate form to enable you receive all your unclaimed dividend that is not older than 12 years.

Secondly, you need to open a stock/cscs account with a stockbroking firm and dematerialize the shares if they are still in paper certificates or misplaced, this will enable you have value for your investment.

You can get in touch for more guidance and to open a cscs account with investment one stockbrokers.

beKind555:
Hi investors,

I have invested 20 million naira in a Cowrywise high-yield portfolio, which currently offers an annual return of about 16.77%.

My questions are:

* Is my fund being fully optimized?
* Are there better investment options available?

I’m comfortable with moderate risk and have a long-term horizon of about 20 years. If there are more trustworthy alternatives with potentially higher returns, I would appreciate your recommendations so I can consider reallocating my funds.

@beKind555, to provide further clarity on your question, I recommend reviewing my earlier post on the factors to consider before choosing an investment instrument. One of the most important factors is age.
Generally, younger investors have a longer time horizon, which allows them to take on more risk in pursuit of higher returns that can outpace inflation over time. Based on this:
If you are below 40, a balanced approach could be:
60% in dividend-paying, fundamentally sound stocks
40% in money market funds. For MMF, you can patronize Norrenberger and First Ally as fund managers
As you approach retirement, capital preservation becomes more important. In that case, a more conservative allocation is advisable:
40% in stocks
60% in money market funds
This approach helps strike a balance between growth and stability, depending on your stage in life. It will also help your investment to beat inflation and keep its value over time.

You are free to be in touch if you need further clarification.

milanseedorf:
Does it mean that if I have 10m in mmf, if I want to redeem all, govt will take 1m as tax?

Let's get this clear. MMF is not a cash deposit. MMF is like a derivative, i.e., a product from the original product. Here is what I mean. Mutual funds generally have underlying assets that are the actual investment; the fund is just the vehicle that carries the assets. So as you invest, all fees is on the underlying assets, and by law, what the fund managers display is the net of all charges, if otherwise it will be stated. If you use GT Fund managers, you would have noticed there is always a note under the display rates that the rates are gross.

So if you invest 10m, your money with other investors' is invested in Tbills, CPs, and others, all charges are applied accordingly with respect to those instruments, and the managers collect their fees as well, so the rate you get is net, hence your capital can never be lower than what you put in as a matter of principle as applied to MMF. It's the reason it's called a low-risk investment; your capital is always guaranteed. The interest or returns can vary based on the economic reality and MPR as determined by the CBN.

geoeast:
@emmasoft
For the first Ally, are you on the MMF or the HYIS?

MMF. Remember to use SA-Emma as you register on First Ally.

Babygal2020:
@emmasoft

Any assistance?

For sometime now I have had my attention shifted to Norrenberger, First Ally and stocks.
No much activities in stanbic.

My advice is that investors should always place a call through to the customer care rather than mail if there is any issue. Calls get attention faster.

I also think it's a system issue. Most times glitches leads to delay in posting but the value date will still follow normal rule and policy governing funds deposit.

Slammmmmmmm:
https://doclib.ngxgroup.com/Financial_NewsDocs/46920_PRESCO_PLC-_QUARTER_5_-_FINANCIAL_STATEMENT_FOR_2025_FINANCIAL_STATEMENTS_APRIL_2026.pdf

Presco PLC

Final dividend - N14.66

Christie171:
Pls where can I find the post on how investors put MMF to work for them?

@Christie171, check my post on this thread for the whole of January 2025 it should be there.

omotola224:
Good morning house
I want to start my mmf journey and I want to go with a good bank to start or any other applicable institution

I don’t mind splitting into two or 3 places
So I am asking my seniors here
Which do you highly recommended
Thank you

@omotola224. In addition to what others have posted, let me repeat the post below with very little modification. I first shared it here last year or so - Some Reasons I will Prefer MMF to TBills

You can start MMF with a much lower amount compared to tbills. With 5,000 or even less, you can start investing in most of the mmf by different fund managers. The least for tbills is 100k.

When rate increases, it will not affect already invested funds in tbills but it does with mmf

You can't top up with tbills. Top up is very possible with mmf even if you want a daily top-up.

Terminating before tenor expiration in TBills comes with penalties. For mmf, after just 30 days, exit is without penalties.

MMF has other instruments, like commercial papers, that contribute to its rate.

You can easily automate reinvestment of interest in mmf ie taking advantage of the power of compound interest.

It's the investor that determines mmf tenor hence you can hold mmf as long as you wish no restrictions, tbills particularly primary auction has fixed tenors of 3 months, 6 months, or 1 year.

Right now, most MMF rates in the industry are higher than the Tbills rate of different tenors.

One can actually put MMF to different uses - check one of my earlier posts as well on how investors put MMF to work for them.

However, that is not to say tbills is a bad investment. The one you pick, mmf or tbills, actually depends on the reason for investing, among other factors that are most times peculiar to the investor.

To state categorically that one investment is better than another is not entirely accurate. Choosing an investment option should not be based on returns alone. Several factors come into play, including risk tolerance, investment objectives (i.e., the purpose of the investment), age, level of financial knowledge, and even prevailing economic and political conditions.

As a result, many investors adopt a diversified approach, spreading funds across different investment vehicles to manage risk and avoid the common pitfall of putting all their eggs in one basket.

From experience, most investors maintain exposure to a mix of instruments such as Treasury Bills, Bonds, Money Market Funds (MMFs), Commercial Papers, and equities. However, they often allocate more funds to the options they are most comfortable with, based on the factors mentioned above.

In your case, since you are already familiar with Treasury Bills and fintech platforms, exploring a Money Market Fund is a sensible next step. MMFs typically align well with Low to moderate risk profiles and also provide indirect exposure to instruments like Treasury Bills and Commercial Papers.

Ultimately, the best investment choice is one that aligns with your comfort level and financial goals.

You are welcome to reach out if you need further clarification on money market instruments or stocks.

Deemamadee:
Hi everyone,

I just came across this thread today—there’s so much information here! 😊 I’ve gone through about 100 pages already and learned that I can start investing using apps like Bamboo.

I’m completely new to stock investing, so I’d really appreciate any tips or advice for a beginner before I start buying.

What should I watch out for? Any mistakes to avoid?

Thank you so much!

Check my post factors to consider before investing in any Investment Window
On page 10275.
To open stock/cscs with investment one stockbrokers, click the third link on my signature.
You need passport photo, government issued ID card, utility bill not older than 3 months and your signature to register.

Please note, investment one will not ask for cash to open an account, it's free.

Once you come on board I will personally put you through on how to navigate stock investment just as I have done for some folks here while you continue to get useful information on this thread and others.

I wish you all the best as you start your investment journey.

welzyj2:
I have no issues with you, but your chase of referrals on this platform is KING and becoming too much. Relax!!! Many people here introduce people to platform genuinely without the whole focus on referral

I see you as a referral hunter even though you drop tangle words once in a while, but you all about referrals and I'm not hiding my words at all

I assume as a supposedly investment advisor which some people see you as, you should give best advises and not just chase referrals.

Whats the current comparison of dollar mmf yielded better to naira mmf

If you even predicting Naira to depreciate, things like this should be noted not just Click on my link to get started

@welzyj2. Thank you for your candid feedback. I genuinely appreciate it. The fact that you took the time to read and respond to my post means a lot, and it also shows that the message is reaching a wide audience. Of course, people will always interpret content differently based on their perspectives, and I respect that.

I understand how my posts may come across, especially when referral links are included. However, my primary objective has always been to create awareness about investment opportunities and help individuals take practical steps toward building wealth. From the feedback, calls, and messages I receive, I believe the content is serving its intended purpose.

The inclusion of referral links is simply a convenient option for those who wish to get started; it is not the core focus of my engagement. Similar to how content creators may ask viewers to like, share, or subscribe, it does not take away from the value of the information being shared. Importantly, everyone has the freedom to decide, and there is absolutely no obligation to use any link.

In fact, I have advised many individuals who neither used my links nor invested through any platform I represent. My contact details are openly available, and anyone seeking guidance has always been able to reach out directly. Investment decisions are highly personal, and as such, meaningful financial advice is best given on a one-on-one basis rather than in general posts.

If you’ve followed my contributions across investment discussions, whether in stocks, treasury bills, or other instruments, you’ll notice that the goal has consistently been to educate, guide, and support. The referral links can also serve as a way for those who need additional guidance to stay connected on the same platform with me.

Ultimately, all my posts are meant for education, awareness, and guidance. Personalized advice remains available to anyone who chooses to reach out, and many who have done so can attest to the value they received.

Once again, thank you for your feedback; it is always welcome.

And yes, if you ever need investment guidance, feel free to reach out anytime.

Remember, making money without tears remains the goal!

sophy17:
Can you please provide more details about the dollar fund?
Can I fund it with my Mastercard dollar card or how?
What is the holding period?
Does interest accrue daily like mmf?

Thanks

@Sophy17, please note the following about Norrenberger dollar fund:

The Norrenberger dollar fund is a mutual fund denominated in USD.
You can also do a top-up with any amount that can get you a unit.
The fund is price-based, unlike MMF, which is always 100. So, because of that, the value fluctuates but is not volatile like stocks.
The underlying asset is basically Eurobonds, hence the price fluctuation. It's currently $106.13.

Funding can be done by transferring from your dom account or by cash deposit into the fund manager's collection account.

Holding period is 90 days

Interest doesn't accrue daily, but dividends are paid every quarter, and value can also rise because the price can increase. As of January, the price was $105.

The minimum initial deposit is $550, while you can top up with a minimum amount that gets 1 unit.

You are free to reach out if you need more clarity.

Edox4:
Good day all. I have this FBN unit of shares and wanted to sell. I mailed meristem about it but they asked me to meet a stockbroker. I thought it's something I can sell via the trading app.
I am a newbie and it's an old shares bought years back

To sell your holdings in any listed company in Nigeria, you are required to go through a licensed stockbroker. Registrars typically do not handle individual transactions, except for matters relating to dividend payments.

To get started, you can open a stock/cscs account with Investment One Stockbrokers at no cost by clicking the third link in my signature.

If you need any assistance or further guidance, please feel free to reach out, I’ll be happy to help.

Don't let your dollars stay idle in your dom account

Take advantage of the opportunity to grow your wealth in foreign currency by opening a Dollar Fund Account with Norrenberger, offering returns of up to 11.83%.

To get started, kindly click the second link in my signature and begin your journey toward stronger, more stable returns.

If you would like personalized guidance on mutual funds or stock investments, please feel free to reach out. I would be delighted to assist you in making well-informed investment decisions.

Make money without tears!

Investment and Enjoyment

Don’t be deceived, investment doesn’t mean you can’t enjoy life.

It simply means being intentional with your money: spending on what truly adds value, practicing a bit of delayed gratification,
and positioning your money to start working for you over time.

Enjoy today, but don’t mortgage your future to do so. Find the balance.

Check my earlier post - 12 things to remember in 2026, specifically the month of November

Happy Sunday to every investor, and wishing you a week of green portfolios.

Investment and Enjoyment

Don’t be deceived, investment doesn’t mean you can’t enjoy life.

It simply means being intentional with your money: spending on what truly adds value, practicing a bit of delayed gratification,
and positioning your money to start working for you over time.

Enjoy today, but don’t mortgage your future to do so. Find the balance.

Check my earlier post - 12 things to remember in 2026, specifically the month of November

Happy Sunday to every investor, and wishing you a week of green portfolios.

Investment and Enjoyment

Don’t be deceived, investment doesn’t mean you can’t enjoy life.

It simply means being intentional with your money: spending on what truly adds value, practicing a bit of delayed gratification,
and positioning your money to start working for you over time.

Enjoy today, but don’t mortgage your future to do so. Find the balance.

Check my earlier post - 12 things to remember in 2026, specifically the month of November

Happy Sunday to every investor, and wishing you a week of green portfolios.

Indigbo:
Nne, i just won try understand them proper, my first time investing in shares, maybe make i no go near share again O!

@Indigbo, kindly chat with me with the number in my signature so that I can explain and make you understand what you see in your account. As someone said, from what you have explained, there is no issue; you only got what you instructed them to sell.

Indigbo:
Yes but it was worth ₦774.759.8 when i gave my broker instruction yesterday, so why are they selling at ₦388,355.99 ? I don't get it. I'm done with Investment-one

@Indigbo, I hope you understand how stocks are valued. If you have 20k units, how can your worth be 774,759.8, when Fidelity was less than 20? Kindly review the platform carefully to better understand what is being displayed. You may also call customer care or send an email if you need clarification on any activity in your account.

I have personally used the platform since 2017, and it has been reliable. Most activity reports on users’ accounts are automated and accurately reflect transactions and market movements.
You can also reach out to me; perhaps I could give you the clarification you need.

seepanel:
preparing to do stocks and have been on stanbic website https://www.sislbrokerage.com/IW/NewAccount/Account because someone said i need chcs or something like that.

are they better or are there other companies that work well.

To open a stock/cscs account, click the third link in my signature to open an account for free.

princezzz:
Officially left Stanbic funds and the dull interest rates. This year has not really smiled on their MMF, even with the compounding interest. Hopefully they will bounce back, because they will always be my first...

@Emmasoft really tried for me oo, i remember when i would spend hours on calls and chats with him, i was so adverse to any form of risk, i was so comfortable seeing my money in the traditional bank. But he managed to convince me, and when i jumped all legs in, there was no hold backs.
Then i wanted to see what all the other 7 funds in Stanbic were talking about, i moved into 6 of them with 1 toe, and moved back out when I didn't understand what was happening there.

Thanks to @EquityM/ CSblackpink who opened up the Equity thread, i observed for a long time, made little research, and then dove all in, even with the bloody red days sef.
If someone had told me i would be putting my money into a high risk investment like Equity in 2024 when i still dey research, i for don nod the person, because i know how long it took for me to join MMF o wey be low risk.

The moral lesson of this epistle is to start somewhere and build up your risk tolerance.

@Emmasoft and EquityM, if person never tell una thank you, this is me saying it. Una dey motivate person without asking for anything.
I probably would just focus on Equity this year, read up on the Stocks thread, maybe gather enough mometum, i fit begin to dey do my own trading from next year sef.

Money must be made.

@princezzz, thanks for the kind words. I'm glad you are doing well in your investment journey. With the level of your confidence, I'm sure you will do well with stocks without getting your fingers burnt in stocks. When you are ready, come over to Investment One Stockbroker (third link in my signature) and open your cscs account. I will be happy to have you on board.
In your words: "money must be made"

Damolux01:
How does this REIT works? Where can I invest?

REIT, is a closed-ended fund, so it's traded like a normal company's stock listed on the NGX.

To invest in REITs, open a stock/cscs account. Click the third link in my signature to open an account with Investment One Stockers.
You can also be in touch.

Akanmbi:
Many thanks for the prompt response. I own a stockbroking account (Anchoria) with a CSCS account. The point I was trying to make was that I have made the statutory N5,300 sub fee to cscs but cannot seem to access my account. Is there a timeline ? Or perhaps is there any activation required from my stockbroker? Thanks

Yes, the activation will require you to contact your stockbroker after you have registered with your CHN on the CSCS portal. The activation normally happens within 24 hours.

Akanmbi:
Please I need guidance on how the cscs online portal works. Recently made payment which was successfull. However, when I try to log in, I get the notification (contact your stockbroker; account not activated)

@Akanmbi, note that before you subscribe to cscs online to view your holdings in real time, you will need to first open a cscs account with a stockbroking firm, with that, you will have a cscs account and a CHN with which to login to the the cscs online portal. The online portal is charged per CHN, You can have more than one cscs number and you will still be able to see all your holdings from the different cscs if they all have the same CHN.
If you are yet to open a cscs account, click the third link in my signature to open a stock/cscs account with investment one stockbrokers.

Redoil:
Oga Emma i want to change my stock account from my name to my company name what am i to forfeit or to pay or loose in the process.
thanks

@Redoil, the best thing to do is open a corporate account for your company. Chat me up for the account opening form for corporate; the account opening link will not take care of some needed information, like signature mandate.

DUE DILIGENCE OR PROCRASTINATION?

Don’t let due diligence become an excuse for procrastination.

The first quarter is already gone, and we are now in the second quarter. Time is moving, are you?

Start something with what you have. Even with as little as ₦5,000, you can begin investing in a Money Market Fund with any SEC-regulated fund manager of your choice or open a stock account and buy any units of Campany shares you can afford.

Start now. Stop procrastinating under the guise of [“I’m still researching.”

Yes, due diligence is important, but it should not become a barrier to action.

Remember: The best time to plant an economic tree was 20 years ago. The next best time is today.

It is good to earn and save, but it is better to grow what you earn by investing.

Take action today. The quarter is counting already.

Get in touch for a guide on mutual funds and stock investment.

DUE DILIGENCE OR PROCRASTINATION?

Don’t let due diligence become an excuse for procrastination.

The first quarter is already gone, and we are now in the second quarter. Time is moving, are you?

Start something with what you have. Even with as little as ₦5,000, you can begin investing in a Money Market Fund with any SEC-regulated fund manager of your choice.

Start now. Stop procrastinating under the guise of [“I’m still researching.”

Yes, due diligence is important, but it should not become a barrier to action.

Remember: The best time to plant an economic tree was 20 years ago. The next best time is today.

It is good to earn and save, but it is better to grow what you earn by investing.

Take action today. The quarter is counting already.

Get in touch for a guide on mutual funds and stock investment.

DUE DILIGENCE OR PROCRASTINATION?

Don’t let due diligence become an excuse for procrastination.

The first quarter is already gone, and we are now in the second quarter. Time is moving, are you?

Start something with what you have. Even with as little as ₦5,000, you can begin investing in a Money Market Fund with any SEC-regulated fund manager of your choice.

Start now. Stop procrastinating under the guise of [“I’m still researching.”

Yes, due diligence is important, but it should not become a barrier to action.

Remember: The best time to plant an economic tree was 20 years ago. The next best time is today.

It is good to earn and save, but it is better to grow what you earn by investing.

Take action today. The quarter is counting already.

Get in touch for a guide on mutual funds and stock investment.