₦airaland Forum

I see, I don't invest directly to stock mainly because I do not have vast knowledge on it. Which is why using fund managers tends to appeal better. This is something I will most likely do in the nearest future.
Thank you.

emmasoft:
Personally, and based on my risk tolerance, I do MMF for short and specific or target investing, i.e., short to medium term - check my earlier post on how investors put MMF to use. I invest directly in fundamentally strong and dividend-paying stocks for the long term.
So it depends on the level of risk you are comfortable with. A fixed-income fund with FGN Bonds as the underlying asset could also be a good choice.

However, all these depend on economic realities of the time because an investment instrument that is good today may not be tomorrow e.g a low rate regime favors equity and vice versa, so sometimes our decision is also affected by the prevailing economic realities.

Thank you very much, I like the line of thought. I already have a balanced fund and and imaan fund. Just needed to here from the gurus

Beeron:
I will make the video however, seeing that you are willing to invest 100k top up monthly on the new investment, which is why you want it compounded in years to come.

Why not take a little bit of risk since you already have the leverage which are (capital and time)

Lock up the money in a balanced fund with a little bit of equity and top up every month, you will be thankful you did after 3-5 years.

Very true. The price appreciates and so your investment appreciates. My question is, is it a good advice to contribute monthly to that investment for the next 10year knowing fully well it doesn't compound. So it's more of a simple interest and not compound interest. Thank you.

NB: my goal is growth as I already have an MMF running

emmasoft:
Apart from MMF, most of the other mutual funds don't accrue interest daily, especially those that are price-based. You get price appreciation, and they pay dividends mostly once a year, and some twice. However, you can opt for dividend reinvestment, i.e., compounding, so that at anytime dividend is paid, it's reinvested into the fund. Also, note that returns on these funds are not guaranteed.

Please I will sincerely appreciate the video for better clarity. I know the imaan and equity funds have good rates and high risk. But where really gets me concerned is because I intend to top up for the next 10 years. So if it does not compound then what does it really do with my monthly contributiona

Thank you once again.

Beeron:
Time for you to re-strategize:

If your goal is to compound. Move the investment fund to Cowrywise, invest in a balanced fund that invest in only money market and bond or fixed deposits, choose the auto-reinvest option to enable the fund compound.

Go about your business and let the fund grow.


Might make a video about this.

Please does stanbic imaan, equity, balanced ethical funds compound. Assuming I keep topping up my funds monthly with 100k. Is there anything like compounding even if it is annually. 0r is it strictly simple interest.

Thank you.

Please when you invest in balance/ equity fund. A small percentage is deducted. Please what is that for.
Someone should do us the honors by educating us

Hello everyone. Is it possible to move some funds from the money market on stanbic to ethical funds on stabic without withdrawal.

That is to say when the app asks method to fund the ethical wallet you click on the money market. Has anyone done something like this before.

If it's not possible how do I move a portion of funds in the money market to ethical funds
Thank you

emmasoft:
@enemerci, with the scenarios you stated above, I want you to understand something, and kindly consider the following points below, which will give you more understanding of how Investment really works.

Investment is not a get-rich-quick scheme and does not operate in isolation. It moves in line with the economic realities of a country at any given time.

For example, in recent months, rates on fixed income instruments—including Money Market Funds (MMFs)—rose as high as 24%, while inflation peaked above 30%+ and the Monetary Policy Rate (MPR) was equally high. Now that inflation is easing and there’s a trend of rate cuts, MMF returns have naturally declined.
Investment outcomes follow macroeconomic trends, not personal timelines.

1. Investment Responds to Economic Realities, Not Age

Investment does not “know” your age; it responds to the economy. Some years back, TBills yielded as low as 3%, and any fixed-income instrument offering 6% was highly sought after. However, the purchasing power of the naira was stronger than compared to periods of higher yields with high inflation.

2. Investment Depends on Available Funds

Investment is not about making money instantly—it’s about setting aside money already earned/made to generate more.
For instance, someone starting at age 20 with ₦1 million can build steadily, while another starting at age 40 with ₦10 million can still achieve strong results. What truly grows wealth is the ability to earn more by creating more value—through better skills or expanded services.

3. Avoid Emotional Investing and Ponzi Schemes

Feeling like you’ve “lost time” can create a false sense of urgency, which often leads people into Ponzi schemes. High promised returns can look tempting, but genuine investment takes time and patience.

4. The Uncertainty of Future Returns

No one can predict exactly how an investment will perform in the future. Investors and professionals rely on available data, but only God truly knows the future. That’s why many investment products include the disclaimer:

“Past performance is not a guarantee of future returns.”

5. A Balanced Investment Approach

A sound strategy I would advise is to allocate your portfolio as follows:

60% in fixed income (e.g., MMFs, bonds, T-Bills)

40% in equities, focusing on fundamentally strong and dividend-paying stocks, with reinvestment of returns in place.

Also consider adding REITs (Real Estate Investment Trusts) for diversification.
While stocks carry more risk than MMFs, they remain the most viable and value-retaining investments globally. It's not as risky as it's been portrayed by novices and unlearned investors about equity investment. Why do you think Forbes evaluates billionaires primarily based on shareholdings?

6. Key Principle: I always say and advise investors to consider Return of Investment before Return on Investment

Always prioritize capital preservation before chasing high yields—especially as one nears retirement.

7. Final Thought

As a professional principle, it’s advisable to focus more on fixed-income and low-risk instruments as you approach retirement—all other things being equal.

Investment success requires patience, informed decisions, diversification, and an understanding of the economic climate. Long-term stability, not short-term excitement, creates real wealth.

I hope this helps

My boss I dey loyal.
I love this detailed lecture.
I so much love that you gave a practical ratio of 60:40 This make a whole lot of sense as it give a combination of both benefits.
I will probably do 70% mmf and 30% balanced funds. This should also give a healthy preservation of my capital and a return that is a little bit above inflation rate.

Chai, I really appreciate.

Neurotika:
If you’re 40 now, investing 50k monthly in a mutual fund that gives a modest 11% will give you roughly 43m at 60. Well, I’m not sure that’s a safe number considering inflationary impact over that long time frame. You would still need to take on some risky assets regardless if you plan to have something substantial by then. The key is getting your portfolio mix right. You can’t avoid equities if you want significant capital gains over that long period. It’s not all doom and gloom for stocks in this clime anyway, because when you check the historical trend, the moving averages have been impressive. Just ensure you don’t put more than 30-40% of your portfolio in it and ensure they’re well diversified across viable sectors. Find undervalued penny stocks too and let capital gains do its thing. You’ll be fine….

Honestly inflation is a solid and hence portfolio mix. I an definitely not giving up on mmf

bassdow:
Kindly understand One thing Very CLEAR
MMF is the safest because it preserves your capital. Issue is, the rates are not often high enough (Low risk, Low reward)

For someOne in their 20s annd early 30s, they can afford to loose their money (capital) and sttill be able to recover BECAUSE THEY STILL GOT TIME (many years ahead) hopefully.
Now imagine someone in their 40s and above, with all the (family) responsibilitiies, they need all the money they can get and can't afford loosing anything HENCE it's better they remain on an investment vehicle that ensures even if they earn little interests, their initial capital is always preserved.

That's what MMF is - You PRIORITY is not making huge returns overNight, BUT ensuring the money you invested remains intact.

Thank you very much. I see your angle a lot better now

emmasoft:
@enemerci, @playces, and others, my candid advice is to follow your investment objective. Investment is not only about the rate; other factors determine where, how, and what to invest in.

Some factors that determine where to investment:

Investment Objective
Risk tolerance
Age
Knowledge
Government policies
etc.

When rates are down and inflation is also decreasing, the value of your investment actually increases. The quantity may reduce but the quality increases.

For more on what I suggest, read my post on page 403 - STRATEGY TO WIN DURING LOW RATE REGIME

Thank you very much for this perspective on this matter. But considering all the factors i stated above and you are to advise such a person as your younger brother/sister. What would be your advice seeing that he is starting late and willing to take the risk to maximize both opportunity and time.

Thank you.

A305:
I would recommend Mutual fund with stocks. There are a few of them on cowrywise. They carry a bit of risk but stocks is where people are circulating money to now.

So when you buy Stocks mutual funds, you essentially buying something like Nigeria Index/ETF. I would recommend the Afrinvest Equity fund on cowrywise.

Be warned, it's risky, but if you have the patience and appetite for risk. Go for it.

If you are older than 40 Years, remain here with us so we keep tracking MMF rates together. Don't attempt to go invest in any risky instrument. Rates are dropping, fine and good, that money you want to go use to buy medium risk instrument, throw it into MMF and have peace of mind, access to liquidity and compound interest.

Thank you very much for this.

My concern with the mmf is this while your capital is safe good and fine the rates are now below the inflation rates.

Additionally, some persons are late starters maybe just got a good job at 40 or started giving birth at 40. Would you still advice such starters to stay with mmf.

For example some one want to put 50k monthly into equity for the next 20years for retirement at sixty. Remember he is starting at 40 and doesn't have anything thing for retirement till date. Is this a bad idea.

Or another person wants to put 100k into balance funds for the next 10years for the kids to be able to attend any university of choice. Just to give the kids quality education and he is also starting at 40. Would you consider this a not so good decision.

Lastly in the last 10 years has there been years where both the equity and balance funds performed worse than the mmf at the close of the year. Is it possible that at the end of 10/20years considering all the highs and lows and risks involved, that the mmf would have performed better than the equity or balanced funds

What would be your take on this and if you still recommend he or she sticks with mmf. Can you elaborate more on the why

Please forgive my multiple questions abi na interrogation. I am just looking for some factual answers. Thanks a million

Please my oldies multiple contributions would be appreciated. Thank you all.

Good house.

Interest rate is really going down hence my question. For someone who has the mmf and want to take it a step further by adding another portfolio to the existing mmf. A per folio with a medium risk but will most likely yield over 20% annually. What will you recommend.

My oldies please come and share your wealth of experience.

bassdow:
why not call them over the phone. Normally, they usually call whenever they receive money with unClear sender details.

Also why bother using the wallet system when you could just use the Collection / Personalized Account numbers

Please can you share the stanbic customer care number.
Yes I transfered to the personalize account. That is what I meant by wallet. Then from that account I fund my investment. Abi am I wrong

enque:
what bank did you use for the transfer?

I transfered from Uba to my static wallet

enemerci:
My people, please come to my help I funded my wallet from my business account which caries the business name and it has not reflected for almost 24hours

Please is there some form of restrictions that comes with funding your wallet.
Also what can I do to remedy the situation

Please has anyone experienced this. Uphill now my wallet has not been credited. And it's been over 24hour. Please can someone speak on this

My people, please come to my help I funded my wallet from my business account which caries the business name and it has not reflected for almost 24hours

Please is there some form of restrictions that comes with funding your wallet.
Also what can I do to remedy the situation

Please my stanbic mmf was not credited yesterday. Or they do not credit over the weekend. Please someone should clarify to a newbie

t33why:
It's not a scam app as it is provided by stanbic, you can verify that yourself from the about app. I believe it's the old version based on the last date of update. The 2nd one is the newer version

Oh thank you so much

Zankut:
2nd one

What do I do now since I registered on the first. Could the first be a scam app or can I use my loving details on both app.

Please what is the way forward like this now

t33why:
UBA for collect, it's a Stanbic account via the app or web

Wow, thank you very much.

enemerci:
Please I am a beginner just created my account to the 57% mark where it says fund wallet. I commenced the fund wallet stage but I was surprised when it generated a stanbic ibtc account for me to use and fund my wallet. I thought it has to be a uba account.

Please does stanbic ibtc have a fake app because I downloaded this from play store and have imputed my ID and BVN.

Please someone should kindly clarify this. I doesn't allow me take a screenshot. i would have attached a screenshot

Which of the app is the right one.
I got registered on the first. Was I wrong

emmasoft:
@Elui2, the auto invest is just a mandate you can set on your bank account that a certain amount from 5k or more be deducted from your bank account at a set date and invested into your MMF automatically.

All you need is to make sure there is cash in the mandated account. On the set date, you will receive a debit alert on your bank account and a credit alert on your MMF account.

The reinvest option is different. That is an option you pick to instruct the fund manager of what happens to your accrued interest.

Reinvest means your interest should be reinvested automatically back into your MMF otherwise the interest is paid to your bank account every quarter.

Please I am a beginner just created my account to the 57% mark where it says fund wallet. I commenced the fund wallet stage but I was surprised when it generated a stanbic ibtc account for me to use and fund my wallet. I thought it has to be a uba account.

Please does stanbic ibtc have a fake app because I downloaded this from play store and have imputed my ID and BVN.

Please someone should kindly clarify this. I doesn't allow me take a screenshot. i would have attached a screenshot

omonikiba:
Hi everyone, I’ve been silently following this thread, and I’ve learned a lot, and even started investing myself.

Unfortunately, my account officer has been giving me a lot of trouble. I placed an order for T-bills back in January, but by May, I discovered the money was still sitting in my book balance. When I emailed her about it, she insisted the transaction was done. I asked for proof, and instead of providing it, she said she would cancel and redo it. At the time, I overlooked it because I was overwhelmed with other responsibilities.

Now I’ve asked her to release my money at no extra cost, but she’s defaulting again. I know that if I report to the CBN, I have a strong case - she has no reason to keep holding my funds since she already defaulted.

The irony is, I only recently realized I could have been investing from home myself. In fact, the savings I invested in August have already yielded a good return. I honestly wish I was around to walk into that branch and shout it down It's already 10 months, no good interest.

If she fails again tomorrow, I hope I am right to escalate it to the right quarters.

Are you sure she has not locked your funds somewhere to yield interest for her before returning your capital. Do

Please was AD sent out yesterday.
What is the current date where the AD is at now

Ginugo:
3.0 is 2.4 while 3.2 is 2.5 on a 4 point German scale

Please what formula did you use. Kindly share.
Because from the formula above it is 2.5.

Also do you know the exact formula uni assist use.

MrAAA2:
The calculation he got is correct.
5-3.17/5-1 * 3 (+1)

Please what of some one who got 3.0 cgp
What will it be when converted to German grading system.

I am getting 2.5 but am not sure if the calculation is correct.
Can someone be admitted with a 2.5

Please on appointment dates. Please which date are they on now.

Also please anyone with the telegram group link. Please kindly share.
Thank you.

Atatukseeker:
Nigerians can waste their time applying to biggest country. When you can easily get a student visa to one of the smallest country in Europe even without paying tuition fee. Germany no get conscience oo. Just pray to be lucky. Before I cross into this Europe all this countries show me shege. Until when my eyes open. I see say those country in Europe some of them don’t receive more tourist so they accept any application that is legit and complete documentation. They hardly get refusal. Almost everyone who applied. Gets their visa. Both tourist and
student visa. Since then when I came into
Europe. I can’t let my family members waste
their money again on big countries like
Germany. Anyway good luck to those who
have gotten appointments

Please can you recommend some countries. Thank you

Please is compulsory to declare visa refusal from Ireland, when applying for study visa. If I dont declare it could there consequences

Please what is the average time frame it takes Ireland university to offer admission. Thank you

Segunagagu:
Of course yes. They can visit. They just need to demonstrate they will be going. With adequate funds. And all other supporting documents

Thank you very much