₦airaland Forum

As a cryptto investor 80% of your portfolio should be Bitcoinn. It has been said here countless times that Bitcoinn should constitute larger portion of your portfolio. 15% on large cap alts, u can decide to spread the remaining 5% on sh!tcoins & memes. But what we have is alot of people doing the opposite.

Kaczynski:
Most people don't really know what constitutes investment, they think crypto and forex are investments.

Crypto is a good way to launder money and speculation if you are actual trader working for a firm .

Cryptto has made more millionaires than any other investment! For almost 10 years, gold was stagnant, it just did around x4 for almost 10 years, people are demoninzing cryptto forgetting btcee has done more than x30 in the past 10 years. In 2020 1 ethereum was $300 today ethereum is $3k even in a bear market, if that is not growth I don't know what to call it. There are risks to every investment. In Naira Mutual funds, u have the money market fund & equity fund, both don't come with same return.

Your capital can vanish in equity funds within 24 hours, but returns are far higher than mmf. Same apply to cryptto, You have btcee, eth, bnb, sol, u leave these coins & decide to put your money in risky projects capable of doing higher returns, u should also expect loss. I'm yet to see anyone who invested in btcee, eth or BNB crying bitterly about returning to zero.

But why is Iran so much about Nuclear weapons when their economy is in shambles?

ytdivine:
Please how do I register with Trusbanc and Firstally mmf. I just want to have a taste of them. I couldn't get their App on play store.

Both apps are on play store
Trustbanc - prime pro app
First ally- myinvestar app

rukyboy:
Exactly what I'm thinking.
These fintechs springing up giving good rates to steal customers from stanbic ibtc.

Don't invest more than 5m. I guess that's the maximum you'll receive if they go under

Don't just view it as stealing customers from Stanbic, also view it as putting Stanbic on their toes to do better. Left for stanbic their mmf rate would probably be around 10% now if not for these fintech guys. We need competition in this industry to create a balance.

daharry:
Right now, silver is experiencing a blow-off top..
But he’s calling for a blow off top in Feb-may..
These kind of crypto gurus make you sell too late or too early....
Both being how you loose your money in crypto..

Do u guys still take all these YouTube analysts serious? They just jump on trend so they make videos & earn from YouTube. That's how they make their money. All the cryptto analysts on YouTube are now analyzing gold lol. For d past 6 years gold was static, none of them talked about it

Switruth:
he should provide security for them only on Mondays... The man go lock shop tire....

I totally agree with the bold

Ever since Trump got into power it's been from one bad news to another.

Switruth:
Who will loose...? .foolish man.. Soludo better look into his gay son before Trump deports him.

Traders will lose
That's people source of livelihood
Do u know what it means not to trade for 1 week when u don't have another source of income?

EquityM:
Zrosk has sent me all the requirements. I'll be joining them soon. 5M is the minimum, and it's VIP equity.

What is the 20% performance fee I saw on their page all about?

LadyCaplin:
My fellow investors.

I am not impressed with the online redemption process with Stanbic IBTC MMF. Initiated a redemption last week Thursday: nothing.

I have initiated another today (before 12noon), let me see how it goes.

P.S. This is my first redemption since i started investing with them.

Their redemption use to be fast o
Except it is a huge amount
I normally get mine within few hours

Mixology:
Good day guys. I came here from mutual funds thread. I currently have 20m in Stanbic. Although it’s for long term but currently the rate is low. I also have ucap but I haven’t started investing there.
Please I need advice of a good equity fund (just one) for long term investment. I wish to be investing monthly like 100k from this month. I don’t like opening too many accounts. I want at most one or two in addition to Stanbic. Thanks

From what I hear from investors, I think stabic equity is one of the best. They were among the top performing equity fund for last year. Only their mmf rate is low.

Creditalerts:
but this trusbanc app don't display intrest rate of their MMF or is there a way to view it?

It is displaying now

VeeVeeMyLuv:
So your problem is now the cost of installation that is labour cost? Not the cost of meter itself?

Okay ooo...

As for me I dont just know why all Nigerian leaders both elected or selected hate this country passionately

No excuse for this country not to have affordable 24 h electricity

Truth is government is not the only problem of this country. See how Disco are emphasizing on installation cost, why not give out the meters let people worry about installation cost. The minister clearly stated the meters are funded under a world programme for free. The Discos are not happy with this. I have always wondered why acquiring a meter that ought not to be more than 10k is so expensive. Only God will help this country. Nobody or sector is good.

gabscity:
I have ibtc mmf.

I need some money urgently.

Is it better i take a loan against my mmf or I withdraw from my fund. NB... I have cash flow to payback the loan monthly.

I just want to be sure which option is financially wise.

Thanks... please I need response.

Nothing concern u with loan my brother
Mmf is just like having money in your bank savings account with interest. Use your money to finance your need.

playces:
MMF is patience. It's not a quick rich scheme. It's the stability and peace it offers people are contented with. 26% 30%, what are the underlying asset. I tire for ppl jump jump too looking for now now interst

Since jan 1 i never even log in my fbnquest. Why do I want to stress myself?.

When interest was 2%, we dey there tgda

I think it depends on individual approach
If your view is long term with small to moderate capital or even big capital, u don't need to jump. But if u are investing in mmf with a business mindset, then u need to jump, it has nothing to do with get rich quick. People use mmf as business, which they use to finance their daily life expenses, those type would like to make the best out of their capital.

Since I have been investing in mmf I haven't heard any assets managers licensed by SEC folding up, I really don't see the need to start spreading fear. Those jumping are still doing so with fund managers under SEC umbrella. I also don't know why some of u think transferring money from one source to another simply by tapping few buttons on your phone is stress.

LifeOfTrigga:
Make this government think well about this concrete roads o

No wonder the federal road construction in my State is concrete road. I thought they were going to apply asphalt, I was surprised the construction equipments are no longer on site. Didn't know they are now doing concrete road.

Gratefulme:
This is the trustbanc app. I've never had an issue with it.

Thanks

Ewizard:
Fast forward to 2026

Bear Market Progress: Elliot Wave B (Based on Elliot 3-Wave Theory to identify a Bear Trend)

"The Simulation will Repeat"...
Thanks to that Anonymous user on 4chan who perfectly called the bitcoin top (October 6, 2025) way back in 2023 by simply analyzing past cycle data and patterns.

A kind reminder that Bitcoin is forged out of Mathematical and Cryptographical Algorithms. So the numbers (data) dont lie.

Back to helping you navigate the downtrend (Just like i did with the Uptrend as quoted above in April 2024 post-halving)

But before that, i hear a lot people argue that we haven't even experience "Euphoria" that typically mark the top of a cycle according to Wallstreet Cheat Sheet.

Oh well, if all that Trump Coin, Chillguy, Pnut, Useless, Pump dot Fun, scam coin moments that printed millions and got everyone rat racing for the next 100x on Dexscreener screaming WAGMI in late 2024 to early of 2025 after Bitcoin Historic 100k mark in Dec 2024 wasn't Euphoric, then i dont know what euphoria means to you.

Same Pattern in late 2021 to early 2022 with Shiba Inu, Pepe, Doge, Hamster, Floki, where everyone was on BNB Chain and other DEX like Pancakeswap, Uniswap, 1inch chasing the next 100x Defi, buying presale scams on launchpads with their hard earned BNB on Pinksale and the rest. DogeElon, Elon this Elon that, Reflection token, Supply Burn, Nft's and the endless list of last cycle narratives.

That your Bags didn't experience "Euphoria" doesn't mean there was no "Euphoria" leading up to the 2025 Btc Top.
You probably held unto your 2022 Bags Neglecting the Liquidity shift towards new narratives.
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Without Further Shenenigans, lets proceed. No Deep Dives, Just surface scratching. Let time prove the simulation.

Stages in a Downtrend: (Source: University dot Cex dot io)

* Panic and fear
* Relief and hope (Where you all at currently)
* Capitulation and depression

Identifying Stages With Elliott Waves

To accurately identify each stage in a downtrend, there is a need for an objective methodology because the above-outlined stages relate to the psychology of a market, which is subjective. Everybody has a different perception of extreme fear, hope, and depression.

The most common objective way to identify the stages of a downtrend is using the Elliott waves. The Elliott Wave Theory is the benchmark technical analysis tool used by financial traders to identify market cycles and forecast different market trends. According to the Elliott wave theory, every downtrend consists of three major stages with two waves to the downside and one way to the upside. Prices drop during waves A and C and they bounce during wave B.

The Elliott Wave Theory suggests that there is usually alternation in the duration of waves A and C. This means that if wave A happens very fast with huge crashes, wave C generally lasts longer with more gradual price decreases and a lot of sideways movements.

Bitcoin followed a perfect A-B-C correction sequence during its 2018-19 bear market as you can observe in the below chart.

Wave A was very quick and violent, where the price of Bitcoin crashed from $19k,000 to $6,000 in only one month. Such a sudden and drastic crash was followed by an almost equally strong bounce in wave B, where the price jumped from $6,000 to $12,000. Finally, in accordance with the alternation rule in the Elliott wave theory, wave C took quite a long time with seven months of sideways price action and ended with a capitulation in December 2018 at $3,000 per coin.

Wave A
During wave A, there is higher selling volume compared to the buying volumes in the late stage of the bull market. The intensity of the sell volume during wave A determines its length and duration.

Increasing sell volume is a response to deteriorating fundamentals for the specific cryptocurrency. During wave A, negative news and developments start to come out for the asset but the continued optimism of the overall market causes the majority of investors to ignore these developments.

Wave A typically ends when those reckless investors start to feel intense panic and fear due to an acceleration in the dropping of prices.

Wave B
Wave B constitutes the relief rally during a downtrend. Prices rise without any improvements in the fundamentals of the asset even though fundamentals have not turned entirely negative either.

Although Wave B usually ends with a lower price compared to the bull market top, depending on the strength of the bounce (and thus market interest), the price may reach as high as the bull market top or even exceed it. But in contrast to what the majority of market participants might think at that point, this would not mean the start of a new uptrend.

If the price tops just a little above the previous bull market top, this would instead constitute a “bull trap”. You can identify a bull trap if prices climb with lower volume compared to that of the previous uptrend. In that sense, the volume during wave B should be lower than the volume in wave A.

Bitcoin’s surge from $29,000 in July 2021 to $69,000 in November 2021 is a perfect example of a wave B that ended with a bull trap. During wave A of the downtrend that started in April 2021, Bitcoin fell from $65,000 to $29,000. Wave B started following that, which did not only rise as high as April’s bull market highs but even surpassed it to $69,000.

Same Pattern this cycle: fell from $109k in Jan 2025 to $74k in April 2025, then rise to a new high of $126k in October 2025

Wave C
Wave C starts when the relief rally runs out of steam. There are no positive developments in the fundamentals of the market, and as a result, investors run out of incentives to buy more.

There is usually alternation between wave A and wave C in the way that prices fall. For example, if the fall was very rapid and violent during wave A, then wave C may have a more gradual downtrend. However, selling volume picks up significantly in wave C, and panic and fear strike again as investors lose their entire gains from wave B. At that point, almost everyone realizes that a bear market is firmly entrenched.

The length of wave C depends on the strength of the overall downtrend. Usually, the price makes a new low compared to the low price in wave A. A lower wave C is very common in cryptocurrencies since they are a very speculative asset, as a result, they can be sold down to extremely low prices during the capitulation and depression phase of wave C.
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My Prediction for the coming days?

Wait for the Fake 100k Bullish Cross around Late February/Early March 2026 where everyone would think we freakin back, then gets heavily rejected and Wreck all fomo buyers in continuation of the downtrend/bear market uptill October where we could bottom out around 70k or below.

Take Home:

Binance CZ Tweeted recently on X about his optimism for a Supercycle and further reiterate his stance on a Live Tv.

Do I agree with CZ?
Yes, I am optimistic about a Supercycle for ALTCOINS (Eth, Mid Caps, Low Caps) only.

Historically, I expect a liquidity rotation from Btc to Eth and other Altcoins.

For now, I will do nothing but wait for confirmation/Invalidation.

Great Weekend guys.


LEARN BITCOIN

I disagree with your stance on this bull run topped at euphoria with Eth topping below 5k. That's not euphoria. Are we in bear? Yes going by historical data. If the bullrun topped at euphoria we won't be having the big guys like CZ & Tom Lee saying there is going to be a super cycle this year. This idea of super cycle was born out because a lot of players believe the market is not exhausted. You can't have a bullrun topping at euphoria & people will be talking about super cycle. 2024 btcee cross 100k plus, 2025 October btcee barely cross 100k u call that euphoria?

Mind u CZ expressly stated super cycle for Bitcoinn in the video not alts.

IamtheDef:
Yes but then they have their own funds too, the Cowry Investment Portfolio. different from the 3rd party funds aggregated on their platform

I think the cowry investment portfolio is not classified as mmf or equity. It is probably just their own investment package, reason it is not on the SEC list.

IamtheDef:
So going by this list from SEC, does it mean Cowry's Investment portfolio does not fall into the MMF category seeing as it is not included in the list of funds in that category

Cowrywise is like a platform via which u can access a pool of assets managers. But what I don't know is if something should happen to cowrywise platform, how can one access his funds since one didn't register with the asset managers directly? & It seems trustbanc is only accessible through cowrywise, because I don't understand the trustbanc app.

Creditalerts:
if you invest in premium you have to wait for 90days before u make withdrawals if not u will pay penalty

Okay thanks
Do u know if this holding period also apply to trustbanc on cowrywise

Creditalerts:
Premium can never drop below 18% and there is a holding period of 90 days but normal is better because no holding period the only disadvantage is it can drop below 18%

How is their profit payout for premium? Is it monthly or quarterly. That is If I invest can I withdraw profit monthly or wait every 90 days to withdraw profit. I'm talking about only d profit not capital.

EquityM:
I agree with you. The elite will always become richer. FirstAlly has MMF premium with 5m as the minimum capital; nevertheless, the rate of the normal MMF goes head to toe with the premium for a few days. At least they still care about the normal customers at large. CD normal equity is still struggling to hold on to 7YTD, while the premium is already at 20 YTD; by next month it might be at 50 YTD, and the normal will still be struggling at 7YTD. As you mentioned earlier, poor man pikin dey suffer.

This FirstAlly premium is one I do not understand. Currently their normal mmf is 26% & premium is 20%. I thought premium constantly ought to be higher than normal.

BondRiv:
Let me see the impact Bwala will add to Tinubu's re-election. They should keep basking in this euphoria. Once Tinubu loses the election, Bwala will be the first to vanish. Also, nobody is holding the governor. He is violating the constitution and getting the consequences. The governor is only the head of the executive branch, we have three branches of government.

Anything Wike did for Tinubu was because of his office as a governor. Fubara is the governor now, anything a governor can do, he will do it too. You guys were jokers to think APC will sacrifice a governor that has access to funds & logistics necessary to run an election for Wike an appointee. Who does that?

BondRiv:
The matter is before the Court of Appeal. This despot called Fubara has stalled governance with his disregard for constitution. The Assembly will perform their constitutional duty. You can't govern without the Assembly. The constitution is what is caging Fubara and no one else. The rule of law must be obeyed.

Hahaha u still get mouth to talk
Go watch Bwala interview
President said Fubara should be allowed to govern Rivers State! I told your colleague the last time it will only take Tinubu few seconds to reduce Wike to nothing. Wike wey Lt. Yerima stopped from accessing a land, naim wan rub shoulders with president? Commander in Chief? I laugh...

wunmi590:

More tears for wike, on hearing this, he should be gearing up to join APC which is cancer party as he has said 😆 🤣 😂

APC leaders won't welcome Wike believe me
Almost of them already have issues with him
Even if Wike decide to join APC now, he is not going to enjoy the party

press9jatv:
Anynwu sacked, Tinubu backs Fubara, chief judge rejects letter, Wike 7-0 down

The signs are telling on the FCT minister. Do they need a soothe Sayer to tell them that their political empire is crumbling?

This week has been one of the worst weeks in Wike's political career. The ship is sinking for the good of everyone.

I remember all the boastings that the FCT minister made during his 17 days thank you visit to all 23 LGAs, one of the boastings was indirectly against Mr president

The FCT minister boasted and said: "I hear that some people are saying they will call me and tell me what to do. Nobody will call me, Rivers State is a no go area "

But today now how market?

Now many senior APC officials found that statement too authoritive for an appointee to make and boast in that manner, that even the president who appointed him cannot call him concerning Rivers State. Haba na

Well as we speak, president Tinubu has even done worse than privately calling the FCT minister to order, he has publicly backed gov Fubara as the leader of the state, indirectly drawing a red line for the FCT minister that look "you can't mess around with the leader of APC in Rivers State, you are not in APC so don't dare

This is coming immediately after the chief judge rejected the letter on gross misconduct from the Rivers assembly, that he cannot act against the existing court injunction

And also coming after his strongest political ally Samuel Anyanwu was dismissed from the court as the PDP national secretary

All these things happening just within a week

And more will likely follow, especially the appeal that has been filed by Mr speaker against the high court injunction placed on the impeachment proceedings will likely fail, the court will likely throw out the matter for lack of merit

So the ball is now in the court of the FCT minister, he has no option than to obey President Tinubu's message by withdrawing all his ongoing moves against the governor.

Especially for the appeal filed by Mr Speaker, If they are not eaten up by desperation, then they should respect the body language and position of Mr President and withdraw that appeal and end their illegal impeachement proceedinds once and for all

But if they fail to stop then what Tinubu will do to their career is too heavy for my tongue to say, it will come like a suinami on them

Alvin Idamieibi Igoni Benstowe, senior concerned citizen of Rivers State

People didn't really understand what Wike was about to do. Imagine saying there is no APC in Rivers state, it is renewed hope party & the president is APC? That is very rebellious & to think he is among the president cabinet members?

Dapson73:
Fubara should thread softly as the Supreme Court is waiting for him .

Remember, Fubara hasn't implemented the last Supreme court orders so if je should go back, on any matter, they will show him pepper.

Above all, I'm for Fubara as well as I'm for Wike.

Do u think Fubara is alone? Abi u didn't watch Bwala interview? It is already game over for Wike! This is the end of the case.

Where are those Wike supporters make I laugh them small

seanwilliam:
Indeed men learn better from experience, if not tell me how I ignored this kind of warning? Could have saved me thousands of $$$.

To newbies, Incase you skipped the post earlier by intention or mistake , this is another opportunity to read up, learn and adjust accordingly.

You’re in Nigeria where only the top 10% have disposable income, stop losing your hard earned money thinking you’re playing smart .

I want to ask, are you smarter than $ billionaires, America governments and financial institutions who don’t invest on memes and alts? Do you sincerely think you have a working strategy than these entities ? We’re just a pawn in their games.

I won’t stop talking, I believe the post i quoted above had saved someone last year even if they might not openly acknowledge it, so I believe my ranting will help one or two people out there too.

Trump is the problem believe me. 2017 there was no COVID, so people didn't sit at home, yet the market experienced bullrun. If it is about the number of altcoins launching daily, why is stock market performing badly too? The issue is not money, but fear in the economy which is largely determined by the US & this has been confirmed by the recent gold uptrend. Any time u see gold pumping at this pace, just know that the US president is doing something wrong which make people to lose confidence.

Trump actions & attitude is subtly kill!ng d US economy which as such is affecting the cryptto & stocks market. All these tariffs he plays with have negative effect on US economy too. During Biden regime, how many times did u hear him use the word tariff? But with Trump is almost everyday & we see how badly the market react anytime he mentions it. Trump is too erratic to lead a country like US, such powerful nation need a leader with a stable mind. If we had a stable president ruling US, nothing would have been different from 2021. The fas.tt guy predicted this when Trump won, that he was going to destabilize the market. The guy was very correct!

Iamblessed88:
If i be a man of God, by next week; Norrenbeger and Trustbanc rates will fall to 15% ish, Amen

It seems u are taking this thing personal
Why not invest in these platforms instead of wishing investors bad luck? Which kind jealousy mindset be this. Every day u are monitoring these platforms praying for a drop in interest rate instead of praying for your own platform rate to increase? Yours na clear case of if it doesn't go well for me, it shouldn't go well for others as well. I no understand u o