₦airaland Forum

It's not liquid o.... even AI will tell you so

richgang:
Please who else knows more about the Stanbic ETF 30 , they have done more than 500% in just 3 months. That's huge and no one is talking about it.

DO NOT invest in equity for a RETIREE....

It's not suitable......the greatest advantage(read requirement) for equity is TIME....... She does not have that as a retiree...

Let her manage whatever returns she gets from low risks investments o o


Hmmmmm

heavenisreal18:
Good morning
Pls how does equity work can I loss all my money,the money is for survival of retired woman to be getting something monthly on it.I want to invest the 5m for her but want to know if it worth trying. Note I have been doing MMF and Tbill just want her to earn more as thing s are expensive

This is why I do not understand that " guys" multiple comments...

I started late January for some and February for others....

In all my equity....it's only Zenith balanced nonsense that is below the initial capital....

All others..... with the sluggishness this March has dealt on them....my capital hasn't been affected still.....

The only funds that hasn't recovered are my Daughter's money in UCAP equity and ARM halal fund.... which was funded early this month ( March)

Ensol:
Stay strong guys, I understand how you guys feel, that’s why it’s called aggressive investing. I am prepared because Market move in circle, you are not in loss yet unless you sell out of panic. I started with ₦10,183,016.20 in Feb 2nd, it increased to ₦12,151,549.04 in Feb 27, then increased again to₦12,421,045.18 in Mar 6, as of today Mar 26, it is ₦12,429,417.64. AI will always say Q1 is typically the strongest quarter in the Nigerian market. Dividend season (Q1–Q2) drives a lot of returns. Q3 is usually the weakest. Q4 varies depending on macroeconomic conditions. So invest wisely

I have little funds into both...

Thanks

Iamblessed8888:
Port to zedcrest or paramount.

Are you writing all these comments to shut people up from complaining or what?

Enough already.....

If it's intended as a joke.....it's not funny


I started with Tbills....then diversified into MMF....yet again into Equity.....how is that your headache?


Meanwhile.....GT equity do me strong thing today....

I will keep expressing what's everyday

CREATE strictly MMF thread and go there and do your CLOWN show


Mtchewwww

People do not do this for MMF people....

Meanwhile a great percentage of people doing equity still has funds in MMF

I actually has TBills aside MMF.....

I do not understand this mockery thing.....

People choose to invest their money as they wish....why are you spamming the thread with lame comments?

Like....I do not understand at all

Creditalerts:
I no wan hear any complain just add more money😁

Like seriously....these guys keeps returning RED....huge one at that....

Emzedz:
Gt equity don dey hammer my capital oo..
It's not funny oo

They haven't updated mine....Gtbank initially updated at around 4:pm....I have realized that any time they delay like this....hmmmmm

Meanwhile Afrinvest returned RED....

upon the ASI was positive today.....

I no just understand their palaver..

cyrilex202:
Massive Red today on GT equity

Chaiiiii...there wahala is too much

You for withdraw everything o

dammiecool:
Den send mail today saying they are working on my request.

I wish I redeemed all my funds.

Zenith is yet to pay me and the money kept loosing value....chaiiii

I just checked because they delayed in updating it...

Big RED from yesterday....

cyrilex202:
Massive Red on gt equity, tiny green on stanbic equity

Yes....they have sent acknowledgement email

doggedfighter:
Same experience I had. Was sweating while filling the forms. Whosai.

The annoying part is that the update form is the exact information I filled while opening the account with them. Why request same information again.

Tomorrow na me them at business centre.

Did you get any acknowledgement of receipt of the forms at least from the barawos?

My MMF remained same figure...from Wednesday last week

I do not understand what is going on with them...

I noticed very early today that my equity REDUCED 10K from the balance it closed with on Wednesday last week and remained same throughout the holidays.... only to record a deduction earlier today...


.

yungmin:
Wait...o, does MMF record losses? I just saw my GT MMF went negative compared to what it was before the public hols. Anyone experienced same?o

My dear o o.... nothing wey I no download to help me fill that useless form o

Different ...Pdf.... acrobat reader....no bi small wahala...I will manage to fill in some, boom one double headed small arrow go just appear begin carry me go where I no know o o

Even WPS office....this one scattered the letters....

I cried hot tears
I jeje carry myself to business center.... printed it....use biro fill am....use my phone snap am send give them....

I even asked the boys there if they can help me do the form filling in their laptop....they refused o o...tell me say if they import am to MS word....e go scatter....

Once I get my money....I will delete my details from the app and UNINSTALL...

MEANWHILE....the money has reduced from the balance I used to fill form....😃😃😃😃😃


Choiiii....

I suffered and was really angry with the whole thing....

I asked CHATGPT for help too o o

Bluearrow:
How did u fill the form, did u print it out, or there is an app u use on your phone to fill it.

I'm very sure your balance will be less than what u had the day u submitted the form if they have not deducted it.

I got an email from Quantum Zenith....more like an acknowledgement of my mail where I filled those their forms...

Their response::::::

Dear ma, email duly acknowledged
Know that your request is currently receiving attention.

Na wao o o o

I have not seen your contribution since this thread started....

You just landed today and you have the "mind" to tell people to message you privately?

See....today's trading (read loss) followed closely last Wednesday loss....

I do not think there is anyone here interested in your "games"


Better....gerrrarahere

Kelecheee:
Good afternoon everyone 😊

I recently started working in financial advisory, helping individuals and businesses manage idle funds better.

One thing many people don’t realise is that leaving large amounts in a normal account quietly loses value over time.

There are safe short-term options like Treasury Bills and other money market instruments backed by the Central Bank of Nigeria that allow your money earn predictable returns instead of just sitting.

If you ever want to understand how it works or see current rates, feel free to message me privately — happy to explain

I filled the update and withdrawal forms from quantum zenith yesterday with the current amount in my portfolio as at the time....now..... another loss don show...

I might end up going to their physical office with war to do MANUAL with them.... hahahahaha



Thank God I dey Lagos


Na wao o o

dammiecool:
Chat with them on the app they will respond within 24 hrs.

Walahi boss....my gtb equity retuned 14k and 13k on Tuesday and Wednesday..... with only less than 600k capital o...

In my Stanbic MMF....na around 30M fit give me such in one day...😃😃😃😃😃😃

Meanwhile....the downs dey affect only my profit for now as I don get better profit since I started...

Hahahahaha

Preator:
Equity is fun sha for those who have mind. Put some money there on feb 18 and it has returned x3 of what i would have gotten via MMF even with STL/trustbanc rate (on paper, as it can still crash tommorow) .

Diversification and personal need is key though. Money in equities must not be what u need immediately, keep a portion of ur funds in mmf for rainy days.

In fact I asked CHATGPT......it told me they started equity in December and that I should watch from a distance first...

truthbetold22:
This is true. I just checked my app and there was a loss of over 1% on a public holiday. This is ridiculous. Uberchic needs to come and explain what is going on as he/she always has a defense for Zedcrest.

Whatever the situation, if this trend continues, I ll exit the funds even with a loss, I won’t mind.

When I checked them out and realized that the whole equity thing started in December.....I ran away...and dropped only 10k with them as a lady from there wanted to finish me with calls


Na the ZENITH own dey pain me.... I trusted them but.....hmmmmm

truthbetold22:
This is true. I just checked my app and there was a loss of over 1% on a public holiday. This is ridiculous. Uberchic needs to come and explain what is going on as he/she always has a defense for Zedcrest.

Whatever the situation, if this trend continues, I ll exit the funds even with a loss, I won’t mind.

Hahahaha

Emzedz:
Just checked zedcrest.. it's reducing oo.. ahhh

After some days....I found the form in my "promotions"

I might not be in your "inbox"

Bluearrow:
How come I didn't receive this form?
Did u get the redemption form immediately after initiating the withdrawal? I have sent their support a mail. I never knew zenith redemption require filling form to withdraw your funds, if not I for no try them at all. I hate such stress.

Please I need help...
I am struggling with filling that form please...

Edecyri:
GTB equity +1.85% (this gain shocked me)
GTB balanced fund -0.19%
Zedcrest equity -1.53%
Zenith ESG impact fund - waiting for update (I fear for this one seriously, it bleeds daily)

I don’t understand what Zenith is doing. After submitting my request for full redemption on 11th March 2026, I am still waiting for them to action it.

The redemption request form clearly stated that processing should be completed within five working days.

I will wait until Tuesday next week. If nothing happens by then, I will file a formal complaint and copy SEC. The investment continues to lose value daily, and this delay is unacceptable. Waste of time and money.

I did too...and one other guy as well....

But "someone" here keeps trying to shut people up....

Imagine....on top my own money...

@Truthbetold come o

mikeayus:
On Zedcrest, I see exactly what Iamblessed8888 sees, I have noticed that sometimes portfolio balance and Equity Fund balance are not the same even when I don't have any extra amount in my wallet nor any other fund within the app, I would expect both balances to be same always. I think someone raised this previously on this thread.

Like e e....I checked this morning.....

This march has eaten all the little gains walahi.....

Like....very small greens and BIG reds.... effectively wiping off the "greens"...

Na wao

cyrilex202:
And massive Red today. Successfully taken away the profit recorded on Monday and Tuesday

I think they are invested in PRESCO.... which was a sore loser yesterday....

dammiecool:
Ucap equity and balanced fund came out red.
Women fund did small green.

Gtbank credits my portfolio almost immediately.....

Jesusmylord:
Ordinarily, I am not someone who campaigns against any person or business. However, remaining silent in the face of injustice, poor practices, or lack of transparency goes against my values and what I stand for.

The issue here is not only about withdrawals but also the time it takes for deposits to reflect. How do you explain a situation where it takes up to a week for a deposit to reflect, especially during a bullish market, and by the time the funds are finally credited, the market has turned bearish? This is something I personally experienced with my last deposit with them.

My comments are not driven by any desire to bring anyone or business down. Investment is highly time-sensitive; delays can directly impact returns, and missed timing often comes at a cost.

For context, I have experience with multiple funds: two equity funds, a bond fund (NDIF), and a fixed deposit fund. My withdrawals from all of them were completed within 48 hours. Currently, I also have two active equity funds aside from ESG, where deposits typically reflect within 24 hours.

There is even another fund manager (which I prefer not to name to avoid appearing biased) where I made a deposit around 14:00, and the funds reflected almost immediately. Interestingly, I was credited with interest for that same day by around 16:30 because the market was bullish.

Lastly, Quantum Zenith sent me an email around 16:00 yesterday stating: “The request has been received and is being processed. Redemption is processed within 24-48 working hours.” It seems they may be following the ongoing conversations here.

Good morning ma and everyone.

I have initiated withdrawal from zenith assets management this night....

I do not know how long it would take... but at least I have finally taken the bold step

I have gotten the redemption acknowledgement mail...i will keep checking my email... for further action...

Me thinks the delays people complain about might be liquidity related....I raised that concern about their ESG... and I think someone here responded in reassuring manner....

My capital is incomplete, it never recovered.. and I am ready to count my losses and move on.......I would have left this money with them.... but the complains of delayed withdrawal is annoying me....I do not wish to keep my money with FM that would give me headache when I want out...

Meanwhile....I dreaded this moment, but I had to do this.....so I could get a place in the "waiting queue" already....

Who knows....it might take the whole year to redeem...my only consolation this night is that at least....I have started the process...

Never will I experiment with more than 5k again...

Good riddance to bad rubbish

Good night guys

Or could it be they intend to hold on to the money for 180days?

Jesusmylord:
Check your Promotions folder as well. The email may not appear in your primary inbox or even in spam, I’m not sure if this is intentional.

Honestly, their management is very poor. It takes about a week for a deposit to reflect, and the worst part is that withdrawals is taking up to two weeks now, with no clear indication of exactly when the payment will be made. What if someone has an emergency and needs the money within 72 hours?

On top of that, after going through the stress of filling two forms; a redemption form and a refill/update form. You practically need fasting and prayer before your withdrawal is processed.

My only advice to them is that if they are not ready to run the business properly, they should consider shutting down the mutual fund operations, because the current process is not investor-friendly.

Wait.... you filled all the forms already?

Chaiii....I wish I invested only 10k.....I would have forgotten it there and moved on...


Where do I start?

😥😥😥😥😥

Jesusmylord:
Check your Promotions folder as well. The email may not appear in your primary inbox or even in spam, I’m not sure if this is intentional.

Honestly, their management is very poor. It takes about a week for a deposit to reflect, and the worst part is that withdrawals is taking up to two weeks now, with no clear indication of exactly when the payment will be made. What if someone has an emergency and needs the money within 72 hours?

On top of that, after going through the stress of filling two forms; a redemption form and a refill/update form. You practically need fasting and prayer before your withdrawal is processed.

My only advice to them is that if they are not ready to run the business properly, they should consider shutting down the mutual fund operations, because the current process is not investor-friendly.

We dey the same ship o

I took my money from CD to zenith...

I am regretting it.....

Even to pull out what they remained for me tire me o

Bluearrow:
To think I took some money from my CS equity to zenith balanced fund. Chai! Worst investment mistake of last month. Even when every other platform record green, my balance still keep depreciating on zenith. I don't understand what they trade on.

What are those companies?....

Their products? Services?.....Any idea?

Good morning all

djavo:
Why TrustBanc is offering it

Companies in the TrustBanc group have issued commercial papers before to raise funds, including several billions of naira through the FMDQ market.

They have also redeemed past commercial papers at maturity, which is a positive sign for credit reliability.

So offering CP is normal for asset managers and financial groups.
Source: Chatgpt, March 2026.