₦airaland Forum

welzyj2:
Which position will you place Page MMF?

What a stupid question to ask. No one is really in a credible position to be ranking or comparing fund managers.

Ugh… the market’s crashing again today.

freegaza:
After a week, my top-up has reflected this morning

Honestly, it would be better if it had been held for a few more days. The market is still tanking.

How is the market today?

enque:
This is the January 2026 ratings

Where are you getting these values from? On Wealthbuddy, Meristem is at 16.92%.

emmasoft:
Running from Stocks may be like running from Fortune

@Gabriel411, I'm very sure your advice is because of your perspective on stocks/equities.
Please understand that categorising investments into low, medium, or high risk does not mean one is better than the other. The purpose of these categories is simply to help investors understand what is involved before committing their money to any investment instrument.
All investments are good in their own way. Choosing where to invest depends on several factors, such as your age, risk appetite, investment objective, available capital, and level of knowledge.

For clarity, stocks and equities mean the same thing — the terms are used interchangeably. Apart from Money Market Funds (MMF), every other type of mutual fund carries varying levels of risk.

Globally, investment in good stocks has proven to be one of the most reliable and rewarding long-term strategies. Why do you think Forbes evaluates the world’s billionaires based largely on the value of their equity holdings?

That said, I always advise beginners to start with MMFs, build confidence, and then gradually move into stocks if their risk tolerance allows it.

When we say stocks are risky, it doesn’t mean your money disappears overnight. For example, someone who invested ₦45,000 in Guaranty Trust Bank (GTB) in 2025 and now has about ₦120,000 in less than a year would strongly disagree that stocks should be avoided. At the same time, it’s also possible for ₦45,000 invested in 2025 to drop to ₦10,000 in 2026 — that’s the nature of equities. Patience and a long-term approach are key.

I know an investor who bought Okomu Oil Palm Company shares many years ago at ₦38 per share. The stock later dropped to ₦12 per share, but he didn’t sell. Today, the price is over ₦1,000 per share — not to mention all the dividends he has received over the years.

One thing I’ve observed is that people who don’t fully understand how stocks work often condemn them outright without proper knowledge.

If many of us here truly understood how the stock market works, we might shift more attention there.

That said, always do what you are comfortable with — but also understand that what feels comfortable is not always what is best for long-term growth.

As Warren Buffett famously says:

Rule No. 1: Don’t lose money.
Rule No. 2: Don’t forget Rule No. 1.

Long-term investing, discipline, and knowledge make the difference.

Making money without tears is our goal!

The people who truly succeed in the stock market are usually active traders. It’s hard to see significant gains just holding a single stock for years. Instead, it may be wiser to invest in a well-managed equity or mutual fund for better long-term growth potential.

Run from stocks, invest in equity or mutual funds instead

Try these once, stable, all over 20% ROI monthly;
United Capital Equity Fund
Meristem Equity Market Fund
ARM Aggressive Growth Fund
Afrinvest Equity Fund

I’m not comfortable with Cowrywise’s naira mutual fund. Every time I invest, up to 1.5% is deducted from my principal, which I find unacceptable. When I raise it, I’m told it’s due to market fluctuations at the time of purchase. However, this same deduction keeps occurring with every deposit I make.

If you saved 400m and genuinely made it, you should be smarter than coming to Nairaland to ask for investment advice.

Why not? Alcohol is sold on the streets and at bus terminals in my country.

Nigeria’s cities grew fast, but sanitation systems didn’t. Old colonial-era drainage was never upgraded, and rapid urbanization overwhelmed what little existed. Governments focused on visible projects, while underground infrastructure—sewers and treatment plants—was ignored.

Responsibility is fragmented across federal, state, and local levels, so no one truly owns the problem. Weak regulation, poor enforcement, and expanding informal settlements push sewage straight into rivers.

The issue isn’t lack of technology, but lack of political will and long-term planning. Until sanitation is treated as essential infrastructure, waterways will keep serving as waste channels, with serious public health and environmental costs.

Where will they get over 170k signatures for a referendum by May? Albertans know they are better off remaining in Canada.

Anaphylactic reactions to vaccines, although rare, typically occur immediately after administration, in minutes. In this case, the reaction occurred within 24 hours, which warrants further investigation. The parents should clearly describe the symptoms the children experienced prior to administering paracetamol. In addition, vaccines must be stored at temperatures between 2–8 °C, and this storage standard should be consistently maintained across all primary health centres (PHCs) in Lagos.

looks like plantar wart

Ugh, the way they report news sometimes is just… chaotic. Honestly, Nigerian media needs to level up their broadcasting game abeg — this delivery no dey match the standard at all.

Could they also make sure his name gets added to the sex-offender registry?

Nothing says he owns it.

I know, its a terrible country.

Love800:
Your child died?

I lost my first daughter, then in 2020, but God has healed us ever since.

What a terrible country. The doctors and hospital responsible for this walked scot-free. The same thing happened to me; I sued the hospital and doctor to NMC, but the back-and-forth letters and delays in processing charges frustrated the entire case. I had to give up.

Yes, mental health issues are very real. Please be kind and understanding instead of criticizing.

Haha, it's no surprise! My wife has never cleaned the washroom once since we got married.

He gifted you wristwatch, so I'm not surprised by you saying all this now.

They'd better start looking for another job. This isn't going to last.

I truly hope he’s able to receive the care, guidance, and support he needs to move forward in a healthier, more positive direction.

Is this a general hospital or a walk-in clinic?

Innovate before it's too late; no significant innovation since 2005. Sean needs to do better.

It is important to recognize the signs and start preparing for what may come next. Given the company's current financial situation, we might soon experience changes regarding our positions. I sincerely empathize with your situation, and I hope you find a new job soon.

I'm curious why there aren't any senior homes in Nigeria. This seems like a great business opportunity.