Emmasoft's Posts
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 Investment › Re: Mutual Funds by emmasoft(m): 3:07pm On Jan 12 |
Rico1278:@Rico1278, Understand that you will need to know your risk tolerance when it comes to investing in stocks directly or indirectly through equity-based funds. No matter how profitable or rewarding an investment looks, if you are not able to manage the risk involved, it may be disastrous. Check my earlier posts here on this thread on the factors to consider before investing. Three factors stand out: risk tolerance, investment objective, and knowledge. As I will always advise, don't stop investing; it's a good culture to have. 2 Likes |
| Investment › Re: Mutual Funds by emmasoft(m): 11:39am On Jan 12 |
Update on Norrenberger Backlog Please see the response below from the team lead in response to my feedback from the field. "Our system is currently updated to 7th January. By the close of business today, it will be fully up to date." Please be assured that everything is in place, and all outstanding arrears will be posted accordingly. Norrenberger remains your trusted financial partner in wealth creation and preservation. Kindly click the second link in my signature to open an account for the products offer by Norrenberger. Remember, account opening is free. 3 Likes |
| Investment › Re: Mutual Funds by emmasoft(m): 5:58pm On Jan 11 |
Iamblessed88:@lamblessed88, there is no need to create unnecessary fear. Anywhere in the world MMF is a low risk investment irrespective of the fund manager. If there is backlog may be because of whatever reasons, it should not be interpreted to mean any other thing. The rates are daily valued, the ones up today can be down tomorrow and vice versa, it's left for you as investor to make your decision base on your objective. For your information no one loses money in MMF irrespective of the fund manager and no manager can invest investors funds on anything other than TBills, CPs or bank placement. When you hear SEC regulated it's more that just registering a name; it means serious monitoring that attracts penalty as high as losing license if there is any infraction. Don't think any fund manager operates on their own all of them are closely monitored. The truth is that we have more than 20 fund managers under SEC regulation that are not popular here or some of us just got to know, this has nothing to do with the safety of your funds. Please understand, no investor is investing in a fund manager as a Company rather an investor join funds with other investors to invest in TBills and CPs, using the fund manager's platform If for example the platform collapses which is rear, SEC moves the investors to another platform without an investor losing a dim. Just like an investor will not lose one single unit of shares if the stockbroker he/she used collapses, all shares will be intact and can be moved to another broker's platform. I will advise us here read more on mutual funds and MMF in particular you will be well guided. I have said it time without number, MMF is a low risk investment irrespective of the manager and there is a reason for that. High rate or low rate at a particular point in time is not a measure of safety of your funds in MMF. For example nobody who knows how these funds work will ever tell you equity fund is low risk because it's managed by a manager that is 50 years old in business. In equity fund, capital and returns are never guaranteed even if it's managed by the best fund manager neither will MMF be term to be high risk because it's managed by a new fund manager that may not be popular. Here is where investment objective comes in as posted earlier. Let everyone invest according to their objective and don't try to explain what you are not familiar with. It's good we have a thread like this where we learn but we should understand investment or MMF in particular is more than what you have on this thread. This post is just for enlightenment. I mean o harm. Making money without tears! is our goal at emmasoft investment education.  10 Likes |
| Investment › Re: Mutual Funds by emmasoft(m): 1:48pm On Jan 11 |
temi4fash:@temi4fash you can start investing while your account gets upgraded. If you don't mind get in touch so that I can link you up with a team member tomorrow morning to assist you. You can also click contact support as you login to the app and make your complain, I guess it could be issue of proof of address that is causing the delay. |
| Investment › Re: Nigerian Stock Exchange Market Pick Alerts by emmasoft(m): 9:20pm On Jan 10 |
THE PLACE OF INVESTMENT OBJECTIVE IN INVESTING The importance of having a clear investment objective before setting out to invest cannot be overemphasized. From questions and discussions here, it is evident that many people venture into investments without a well-defined objective. This often leads to confusion, unnecessary risk, and poor decisions. Why is an Investment Objective Important? Guides your choice of investment instruments With a clear objective, you know exactly what to invest in and are less likely to follow hype or the crowd. Determines your investment duration Your objective helps you decide how long to stay in an investment—short, medium, or long term. Helps define acceptable returns It determines the rate of return you are comfortable with and the kind of advice you should seek. Guides entry and exit decisions Your objective helps you know when to move in, scale up, hold on, or exit an investment window. Works hand-in-hand with risk tolerance Apart from risk tolerance, your objective is one of the most important factors in investment decisions. With the right objective, you understand: - The level of risk you can tolerate - The reason for choosing a particular operator or product - Why you should look beyond just interest rates and take a holistic view of the investment Determines fund management structure Your objective will guide you on how many fund managers to engage and how to diversify your investments. In many cases, your investment objective ultimately determines your investment choices and your returns. I strongly advise everyone here to clearly define their investment objective, ie, the reason for investing. It will guide you every step of the way. Please note: stocks and investments in general are not ends in themselves; they are means to an end. We invest for a purpose. Happy investing. Making money without tears is our goal! 4 Likes |
| Investment › Re: Treasury Bills In Nigeria by emmasoft(m): 9:19pm On Jan 10 |
THE PLACE OF INVESTMENT OBJECTIVE IN INVESTING The importance of having a clear investment objective before setting out to invest cannot be overemphasized. From questions and discussions here, it is evident that many people venture into investments without a well-defined objective. This often leads to confusion, unnecessary risk, and poor decisions. Why is an Investment Objective Important? Guides your choice of investment instruments With a clear objective, you know exactly what to invest in and are less likely to follow hype or the crowd. Determines your investment duration Your objective helps you decide how long to stay in an investment—short, medium, or long term. Helps define acceptable returns It determines the rate of return you are comfortable with and the kind of advice you should seek. Guides entry and exit decisions Your objective helps you know when to move in, scale up, hold on, or exit an investment window. Works hand-in-hand with risk tolerance Apart from risk tolerance, your objective is one of the most important factors in investment decisions. With the right objective, you understand: - The level of risk you can tolerate - The reason for choosing a particular operator or product - Why you should look beyond just interest rates and take a holistic view of the investment Determines fund management structure Your objective will guide you on how many fund managers to engage and how to diversify your investments. In many cases, your investment objective ultimately determines your investment choices and your returns. I strongly advise everyone here to clearly define their investment objective, ie, the reason for investing. It will guide you every step of the way. Please note: TBills and investments in general are not ends in themselves; they are means to an end. We invest for a purpose. Happy investing. Making money without tears is our goal! |
| Investment › Re: Mutual Funds by emmasoft(m): 9:10pm On Jan 10 |
THE PLACE OF INVESTMENT OBJECTIVE IN INVESTING The importance of having a clear investment objective before setting out to invest cannot be overemphasized. From questions and discussions here, it is evident that many people venture into investments without a well-defined objective. This often leads to confusion, unnecessary risk, and poor decisions. Why is an Investment Objective Important? Guides your choice of investment instruments With a clear objective, you know exactly what to invest in and are less likely to follow hype or the crowd. Determines your investment duration Your objective helps you decide how long to stay in an investment—short, medium, or long term. Helps define acceptable returns It determines the rate of return you are comfortable with and the kind of advice you should seek. Guides entry and exit decisions Your objective helps you know when to move in, scale up, hold on, or exit an investment window. Works hand-in-hand with risk tolerance Apart from risk tolerance, your objective is one of the most important factors in investment decisions. With the right objective, you understand: - The level of risk you can tolerate - The reason for choosing a particular operator or product - Why you should look beyond just interest rates and take a holistic view of the investment Determines fund management structure Your objective will guide you on how many fund managers to engage and how to diversify your investments. In many cases, your investment objective ultimately determines your investment choices and your returns. I strongly advise everyone here to clearly define their investment objective, ie, the reason for investing. It will guide you every step of the way. Please note: MMF and investments in general are not ends in themselves; they are means to an end. We invest for a purpose. Happy investing. Making money without tears is our goal! 2 Likes |
| Investment › Re: Mutual Funds by emmasoft(m): 5:01pm On Jan 10 |
LordPherule:17.7% MMF is not cash deposit. It's the underlying asset which is Tbills that has the full weight of the federal government. NDIC is for cash not investment. The safety of MMF is on the fact that the major underlying asset is Tbills and the funds have SEC regulated managers. Read more of my posts from page 418 to current page for more clarity on safety of MMF investment. 1 Like |
| Investment › Re: Mutual Funds by emmasoft(m): 4:12pm On Jan 10 |
Retro9090:Don't move everything. Move a larger sum to Norrenberger for now while we wait the out come of the MPC meeting holding in February. Click the second link on my signature to open Norrenberger MMF account. 1 Like |
| Investment › Re: Mutual Funds by emmasoft(m): 1:48pm On Jan 10 |
EquityM:@EquityM, you are doing well. Keep learning as you are earning. Get in touch if you don't mind. 1 Like |
| Investment › Re: Mutual Funds by emmasoft(m): 8:47pm On Jan 09*. Modified: 9:13pm On Jan 09 |
EquityM:If you want to enjoy stock investment as a beginner, start with a long-term view, you can take profit once in a while when you make serious gains. Investing in stocks is more of a long-term approach, trading is a short-term approach, and you require more than guesswork or others' predictions; you will need to give it the time it takes, otherwise it will look like gambling. For investors, most of them buy for dividends and use the Naira cost average to get their target quantities of a particular stock they believe has the fundamentals that support their status. An equity fund is good, but for me, investing in individual, good, fundamentally sound, and dividend-paying stocks is better - three ways to benefit from stock investing: capital appreciation, dividend, and bonus If you buy good stocks, at the worst you will have one of the benefits on the other hand, on a very good year you can have the three benefits for example Vitafoam. Already at 90+ from 70+ last year, proposing a dividend of N3 and a bonus of 1:5 for the year ended 30th Sept. 2025 You can open a stock account with Investment One by clicking the third link in my signature. 4 Likes |
| Investment › Re: Mutual Funds by emmasoft(m): 8:32pm On Jan 09 |
ogawisdom:You can get information from your stockbroking firm, FMDQ, DMO, etc, or even your bank. I don't actually follow Bonds, not my way. I prefer fixed fixed-income fund instead. |
| Investment › Re: Mutual Funds by emmasoft(m): 4:15pm On Jan 09 |
Let your money earn while you rest Whether MMF, Fixed income, or faith-based funds, everyone earns at Norrenberger Mutual Funds. Don't be left behind. Click the second link on my signature to open an account for all the products. Remember Norrenberger will not ask for cash to open an account. Happy investing. Making money without tears is our goal! 2 Likes
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| Investment › Re: Mutual Funds by emmasoft(m): 4:10pm On Jan 09 |
ogoo4real:Don't worry, everything will be normalised. They are working on all funds to catch up to speed. No single interest will be lost from day one to date. The posting will be done for all the arrears. 2 Likes |
| Investment › Re: Mutual Funds by emmasoft(m): 9:01am On Jan 09*. Modified: 9:32am On Jan 09 |
temi4fash:It will be upgraded, just upload all the necessary kyc documents. It will be done or you can reach out to me so that I can get some details to enable the team check up at the backend. Thank you for the patronage. It's appreciated and not taken for granted. |
| Investment › Re: Mutual Funds by emmasoft(m): 8:59am On Jan 09 |
IamtheDef:You can increase the limit to 5m. If you want more than that, request for redemption form, complete and send back to them. You don't need to be in the physical office for anything except if it's the most convenient for you. |
| Investment › Re: Mutual Funds by emmasoft(m): 9:37pm On Jan 08 |
temi4fash:SA-Emma also check page 420 it's there. Just being careful of the bot before i chop ban |
| Investment › Re: Mutual Funds by emmasoft(m): 8:46pm On Jan 08 |
Alaska90:Go for the two to enjoy both worlds. First Ally app is tilted towards Gen zee. I use web portal with Norrenberger but the rate is great. |
| Investment › Re: Mutual Funds by emmasoft(m): 8:36pm On Jan 08 |
Creditalerts:I'm not a subscriber to the trustbanc MMF |
| Investment › Re: Mutual Funds by emmasoft(m): 8:01pm On Jan 08 |
petomas: |
| Investment › Re: Mutual Funds by emmasoft(m): 3:42pm On Jan 08 |
Creditalerts:Personally, I don't use Cowrywise. I deal with the fund managers directly on their platforms/apps first as a customer and then as a Rep. |
| Investment › Re: Mutual Funds by emmasoft(m): 9:05am On Jan 08 |
mekkyswazeh:It used to be one of the best when it was under investment one but right now in terms of customer service, I will give 3 out of 10. I wouldn't know if they have improved now. Why not pick from the ones I listed on page 420 of this thread? It's also a good practice to have more than one and then lean towards the one that gives you joy. 2 Likes 1 Share |
| Investment › Re: Mutual Funds by emmasoft(m): 8:57am On Jan 08 |
Iamblessed88:Normally, some fund managers use the term dividend when they are paying out your accrued interest or reinvesting it. It doesn't mean a different earnings it's the same accrued interest. 1 Like |
| Investment › Re: Mutual Funds by emmasoft(m): 6:28pm On Jan 07 |
temi4fash:Kindly check my response to @ogoo4real's question earlier today. |
| Investment › Re: Mutual Funds by emmasoft(m): 1:50pm On Jan 07 |
ogoo4real:That will be done shortly. The target is that on or before Friday this week, normalcy will be restored in all channels and modules of all mutual funds. 1 Like |
| Investment › Re: Mutual Funds by emmasoft(m): 1:29pm On Jan 07*. Modified: 9:59pm On Jan 07 |
New to this thread? If you wish to know how to open a mutual fund account with your chosen fund manager, check my post Guide to opening an investment account with different Fund managers on page 420 for your guide. Happy investing. 5 Likes |
| Investment › Re: Mutual Funds by emmasoft(m): 1:22pm On Jan 07 |
EquityM:Good, I was just coming in here to make that announcement that all backlog has been worked on. 1 Like |
| Investment › Re: Mutual Funds by emmasoft(m): 10:25am On Jan 07 |
EquityM:@EquityM, recall sometime ago I posted about different mutual funds and their underlying assets. I also said investors should also consider a fixed income fund from SFS https://sfsfund.com/register?referral=4GJ0I3Q21G if they want to enjoy the benefits of bonds because a Fixed income fund is an indirect way to invest in Bonds and you may not need to wait till the maturity date of bonds, enjoy quarterly returns, and also have the opportunity to top up, unlike investing in bonds directly. Then with the new tax system, it's also a way to avoid tax because the underlying asset ie FGN Bond is tax exempted. Just as @Beeron said, Bond is not a short-term instrument this is a major difference between it and Tbills or commercial paper which are short term. 3 Likes |
| Investment › Re: Mutual Funds by emmasoft(m): 8:30am On Jan 06*. Modified: 8:46am On Jan 06 |
yekini007:We sincerely apologize for the delay in subscribing your funds. Please be informed that subscriptions and redemptions are slightly delayed due to the ongoing year-end activities. All pending transactions would be treated once the process is completed. The above is message from customer care, Norrenberger.
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| Investment › Re: Mutual Funds by emmasoft(m): 7:04pm On Jan 05 |
milliondollarma:It's okay. I prefer that myself. Click the second link in my signature to open an account with Norrenberger. Then, download the MyInvestar app and use SA-Emma as your referral code for First Ally. I'm not a Rep to TrustBanc, but I know their process will be similar. 1 Like |
| Investment › Re: Mutual Funds by emmasoft(m): 12:17pm On Jan 05 |
Keith05cool:I will naturally give u the names I represent - Norrenberger, First Ally, Stanbic and SFS. For rate - pick Norrenberger. Click the second link in my signature to register for free. If done today you will get your account details tomorrow. 1 Like |
