₦airaland Forum

janykute:
Am sure no one in this forum will miss you so adieu till march next year.

5% of us will miss him, while 95% will not miss him

olujaidi:
Capital appreciation is good. Cashflow is better

Cash flow is the best, when you have the needed cash flow smart investors can always create wealth that will appreciate.

ukay2:
my close friend built 6 (a room and parlour) apartments in one of the south estern states at cost of 8million naira....he bought the land (100 by 100)at 1million naira 2 years ago.

He built the 6 apartments in half of the plot(100 by 50) last year...rented each apartment@150k per annum(I.e#900,000 in a year).
The tenants are gladly paying for their rents yearly and praying for the landlord because the apartments are built with a TASTE.


He pays 30,000 to his Lawyer annually and Axxa Mansard insurance coverage 25,000 annually.

The 6 apartments values currently @12million naira.
The remaining half (100 by 50) values at 1.5 million naira today.
He plans to build 10 similar apartments (5 up and 5 down) in a storey building in the remaining half plot....calculate the annual income he will be getting ....for life

He still have other undeveloped plots of land that are appreciating in values.

He is still very active in FGBONDS and NTB and other investment, but he makes mega money in his real estates.
Good real estate investment is not comparable to FGNBond and NTB...

IF YOU'RE NOT GOOD IN REAL ESTATE, DON'T CONDEM OR BELITTLLE IT.

Where exactly is the project located, 6 apartments on half a plot who approved such a building plan. What about set-backs, playing areas and car park for the tenants.

carpenter:
Property investment is over-hyped. Most landlords make between 4-6% per year and that is if the house is always occupied. House maintenance, selling costs, bank loans if any...eat up all the profit. You will need to be very objective and punch in your numbers.

The ones that make money are agents, lawyers, banks, builders/developers and marketers.

You are right, but they can always increase the rent by 10% every 3 years.

coderXO:
Fees in property are typically 5% or less when you enter high millions.

A 10m budget can build you (2), two-bedroom flats, and definitely will not rent at less than 400k each in a good area.


Bonds, Bills, Property: all good to invest granted that you do your due diligence. But none compares to Property.

If bills/bonds are so tasty, why aren't all the world's billionaires flocking to put money into them? $10m will fetch you a cool $1m per year won't it?

And lets not forget, governments do default on debt.

Give me your comeback on that one.

Did you take the cost of the land into consideration, land sells from N2 million in Ikorodu with N10 million I can build 3 units of 2 bedroom flats or 2 units of 3 bedroom flats. Making a total of N12 million, 2 bedroom flats got for 200k in Ikorodu while 3 bed room flats go for 300k.

The expected rental income from the total investment of N12 million will be 600k ie 200kx3 or 300kx2


Areas where you can rent a 3 bedroom flat for 600k, cost of land will be between N12 million and N15 million

coderXO:
Funny analysis. Still not correct.


Consider you start living in your built house, that is (minimum) N1m no longer goes to rent you were paying landlord. Over 5 years, that is N5m saved plus your property appreciation itself.


Let's assume that you already had a house; at the very least a N10m house should fetch you anywhere between N800k - N2m annually depending on location, by renting out. Then add that to your 10% appreciation.

And trust me, property does not appreciate linearly.

They don't compare.

Real estate gives approximately 5% return on the value of the house. A flat selling for N20 million is expected to give a rental income of N1 million.
One of the ways I use in the valuation of a property is to multiply the expected rental income by 20.

Alikote:
I bought a land in 2004 for two plot 75 by 50 sqm 720 k and 800 k In a undeveloped gra in kano fast forward 2015 I sold one for 7 million last year my neigbour sold his for 10 million in 2012 and my childhood friend bought several for 250 k from his inheritance in 1997 but we where lucky a singular act of government building a road change the prices the area was allocated In 1987 but only phase one that had some few road the was built so is a combination of luck and risk taking ,cos I als bought one around 2004 in another area for 620k after 2 year I diffcultly sold it for 650 k but now it will be like 3 million . hence study the area for prospect of future development this study is key in 10 year you can hit a 1000 percent which tb can never give


don't buy in already staturated area cos the land is at is peak value then expect u want to build for rent or accommodation
buy developing area with prospect the watch you investment multiple like mowa axise etc


treasury bill are also good they can return 150 percent in 10 year so best strategy buy land which good future prospect and invest in tb or bonds to maximum benefit

https://www.nairaland.com/1233138/stock-performance-2000-2003-date



CAP sold for N2.00 in 2001, I bought some units of the stock around Easter in 2001.


Let us see the performance of CAP from 2001 to date, as per capital appreciation.

N100,000 will buy 50,000 units.

Year Bonus units
2001 50,000
2002 1 for 3 66665
2004 1 for 4 83331
2010 1 for 3 111105
2011 1 for 1 222210

50,000 units in 2001 have grown to 222210 units in 2013. CAP now sells at N37.00 per share.

The investment of 100k in 2001 is now worth N8.2 million in 2013.



That means if the investor had invested 750k in CAPL in 2001, the investment would have grown to N61 million excluding dividends received over the years.

femi4:
Absolute Nonsense

The following will happen to a typical employee 1. Retrenchment 2. Resignation 3. Retirement. In this era of restructuring, merger, acquisition, down-sizing etc, Retrenchment will be the order of the day for moist employees. Smart and proactive employees with good career and financial plans can always resign to do something better for themselves other than the common rat race or they can opt for an early retirement.

lanre316:
Good.

But let me make simple prayer here for you.

May God bless you and your business/investment so much that you can't handle it alone but need to employ more hands and may God send only the employers with this mindset you're advising here your way to run your business/investment.

I say a very big amen to your prayer. You can always go to greater height when you have employees who are proactive and possess enterpreneurial and independent mindset. There is nothing like job security and I can not stand employees with entitlement mentality.

Ronkuns:
Isn't it subject to WHT? If yes, then it is actually an effective return of 13.5%. Save for diversified income stream and of course a relatively more guaranteed return, I think the JIJO masters can deliver that in less than 2months.

They can also lose more than that in 1 month.

Elai147:
You didn't mention the risks associated with CP.

That is why you have to consider the credit rating of Nigerian Brewery and the pedigree of the majority shareholder ie Heineken, most of the international credit rating agencies gave Nigerian Brewery Plc A+ rating.

ukay2:
Oga Manie...

Please I need full details of this Commercial papers for 9 months investment..
...Thanks

It will be made public on 8th October 2015, the issuing houses are FBN Capital and IBTC

joseph1013:
15% in 9 months? Isn't that rather too small?

750k for #5 million naira in 9 long months?

Well, multiple streams of income.

You do not have to hold your Commercial Papers for 9 months, because CP are tradeable on FMDQ.

joseph1013:
15% in 9 months? Isn't that rather too small?

750k for #5 million naira in 9 long months?

Well, multiple streams of income.

Multiple streams of income is the best way to build a lasting wealth, get dividends from your stocks, interests on your savings, rental income from your houses, profits from businesses, treasury bills and bond. 15% guaranteed returns on a short term investment is okay, but a dividend yield of 15% is better.

9free:
When you big, you're large.

I receive that IJN. It is a money market investment, getting a guarateed return of about 15% in 9 months from an A-list companyis not a bad idea.

What do we have to say about Investing in the N100 Billion Commercial Paper of Nigeria Brewery Plc. I think the return should be higher than treasury bill.

What type of return should invesors expect from the N100 Billion Commercial Paper of Nigeria Brewery Plc?

Can Saraki come out of this mess?

A reputable Primary School in Mafoluku axis of Lagos requires the services of the following non academic staff. 1. Accounting Officer. 2. Store Officer. Interested applicant MUST have an OND or HND in Accounting or Business Administration and should have experience in Book keeping, Bank reconciliation of accounts, Inventory management, Purchasing and supply, Financial management and budgeting. Interested applicants should forward their CVs and covering letters to manewumi@yahoo.com or post to the DIRECTOR P.O. BOX 2306 OSHODI LAGOS.

AnnieOakley:
I should know better.

By the way, it's Doregos Private Academy, not Dorego College.

Thanks for the correction. I met the young man managing the schools at a 3 day Heads of Schools summit held at Sheraton Hotel Lagos in 2013.

AnnieOakley:
That's a biggie for you guys! But you guys must be careful to not abuse it so that you don't lose the privilege.
A popular school in Ipaja once allowed this, but the privilege was withdrawn when the proprietress' son took over.
The school is now a shadow of its former self.

Saint Bernadette and Dorego College at Akoka and Ipaja are still doing great.

myjoy08:
Sir, things are not that bad or worst for Oando as your friend envisage. They just have a little challenges of corporate governance

A company that has corporate governance issues, high debt profile, gross erosion and dilution of investors' wealth,over ambitious and inept management surely needs the grace of God to survive another 5 years. In the fulness of time the undertaker will come for the remains of this company.NB this my own opinion and should not be taken as the fact.

myjoy08:
Sir, things are not that bad or worst for Oando as your friend envisage. They just have a little challenges of corporate governance

A company that has corporate governance issues, high debt profile, gross erosion and dilution of investors' wealth,over ambitious and inept management surely needs the grace of God to survive another 5 years. In the fulness of time the undertaker will come for the remains of this company.NB this my own opinion and should not be taken as the fact.

These are the big houses on the Nigeria Stock Exchange


http://www.thisdaylive.com/articles/nse-top-10-stockbrokers-handled-n104-115bn-transactions-in-august/220668/



The Nigerian Stock Exchange has disclosed that the activities of top 10 stock broking firms were responsible for 71.32 per cent of the total value of transactions recorded on the exchange for the month of August. The total value put at N104, 115,644,703.78 represented the transactions between August 3 and August 31.

The figure, which was contained in the Exchange’s Brokers Report for the month of August, showed that Rencap Securities Limited came first with transactions worth N18, 405billion, representing a 12.61per cent of the total transactions for the period under review.

Stanbic IBTC Stockbrokers Limited that recorded transactions worth N17, 620,743,733.71 was adjudged the second top performers, with the value of its activities representing a 12.07 per cent of the total value of the transactions for the period.

Stanbic IBTC Stockbrokers was followed closely by EFCP Limited which recorded transactions worth N16, 688,024,722.94, representing 11.43 per cent of the total value of transactions in August.

The NSE report showed that CSL Stockbrokers Limited, FBN Securities and African Alliance Stockbrokers Limited followed in that order with transactions put at N12,946,737,875.76, N10,334,150,260.62 and N7,718,362,518.66 respectively.

However, in terms of the volume of shares sold, Apel Asset Limited came top with 5,139,974,825 shares sold, representing a 24.24 per cent of the total volume of shares sold during the period. Apel Asset Limited is followed in distant second by Rencap Securities in terms of the volume of shares as it handled 2,824,327,365 deals, a 13.32 per cent of the total transactions for the period. However, Stanbic IBTC Stockbrokers Limited pulled 1,205,127,634 transactions to emerge third in that category for the month of August.

Meanwhile, Monthly FPI transactions at the nation’s bourse decreased to N81.13 billion (about $0.41 billion) in August 2015 from N107.47 billion (about $0.55 billion) at the end of July 2015; representing a decrease of 24.51 percent.

Meanwhile, data obtained from the Nigerian Stock Exchange showed that 10 stock-broking firms accounted for N1.791 trillion worth of equities traded on the Nigerian stock market in 2014.

The trading statistics by stockbroking houses between January 2 and December 31, 2014 showed that 10 stockbroking firms accounted for 120.366 billion shares worth N1.791 billion.

In terms of value, the stockbroking firms accounted for 66.5 per cent and 55.48 per cent in volume terms.

A breakdown of the performance in value terms shows that Stanbic IBTC Stockbroking Limited led with N472.415 billion or 17.5 per cent.

CSL Stockbrokers Limited followed with transactions worth N262.988 billion [/b]or 9.7 per cent, while [b]Rencap Securities Limited, traded equities worth N246.98 billion or 9.2 per cent.

Chapel Hill Denham Management Limited accounted for N223.849 billion or 8.3 per cent, while Meristem Securities Limited traded shares valued N156.210 billion [/b]or 5.8 per cent. [b]FBN Capital Limited recorded N123.160 billion or 4.5 per cent.

Cordros Capital Limited accounted for N109.101 billion or 4.1 per cent, just Cardinal Stone Securities Limited recorded N73.754 billion or 2.7 per cent. The other two firms among the top 10 included BGL Securities Limited, N65.791 billion or 2.4 per cent and Africa Alliance Stockbrokers Limited, N56.516 billion or 2.1 per cent.

In volume terms, Stanbic IBTC Stockbrokers maintained the lead, recording 24.781 billion shares which represented 11.42 per cent. FBN Capital traded 17.786 billion shares or 8.2 per cent, while CSL Stockbrokers traded 15.339 billion shares or 7.1 per cent.

Chapel Hill Denham Management accounted for 14.849 billion shares or 6.8 per cent just as Rencap Securities Limited traded 12.252 billion shares or 5.5 per cent. BGL Securities Limited and Cardinal Stone Securities Limited recorded 12.075 billion shares or 5.5 per cent and 8.465 billion shares or 3.9 per cent respectively.

Cordros Capital, which occupied the seventh position in terms of value, was placed eight in volume terms.

The firm accounted for 6.539 billion shares, 3.01 per cent of the equities traded.

Readings Investment traded 4.493 billion shares or 2.1 per cent, while Meristem Securities Limited accounted for 3.783 billion shares or 1.7 per cent.

artisticallyart:
Please, I go my first job through that same process. Do not underestimate the power of this thread.
The job show was introduced to me by Oga at the top, the anchor is Bimbo.....ask them on WhatsApp they would tell you more.
Finally, Happy Sunday.

Are you saying you got your first job through the job show? Even at that the guy should give more information about the organisation and what the purported job entails or better still he can limit such coded openings to members of the coded group who can attest to the authenticity of the jobshow.

joseph1013:
LOL...Sire, again I bring no trouble. And I'm a nobody in the grand scheme of things. I think though that investment is not by how long you've been present or even by age. Pray tell, what experience did Buffett or Graham have when they started and how old were they? But then, what do I know!

Are you a disciple of Graham and Buffet?. Have you read Intelligent Investor by Benjamin Graham, Security Analysis by Benjamin Graham and David Dodd?

hbrednic:
Costain had an all time high of N86.38K ( i still have the figures on my spreadsheet )

I know the stock sold higher than N35, I stopped monitoring the stock when it crossed the N30 mark. Can you post the date when Costain sold fot N86

ihedioramma:
say what is good and dont come here to do any how . this room is a holy room is not just as the room you are coming out from . but who are you ? what time did you start to invest in nse? what of your age so i can know if you are up to in this room?.

You will definitely make a career in the comedy industry. I think when he started investing is of little or no importance, the most important factor that will aid his success in the investment world is the willingness to learn from the mistakes of the older investors.

ihedioramma:
cool down my dear, we are all brother's and sister's in the LORD here, we dont use anger why replying a post or think we know it all . you are wellcome one love .

This Joseph does not believe in your Lord or religion, although that is a discussion for another thread. I am a Christain, but my mind is towards Agnostism.