₦airaland Forum

dammiecool:
I'm suspecting some of this portfolio manager go through our discussions here.

Den don return my money.

princezzz:
For the last 1 month, i put in investment in the ratio of 2:1. 2 been Equity and 1 been Balanced fund. Balance fund has done as much as Equity has done, adding today's own, BF has exceeded Equity in terms of profit.
Please note that this is just based off on my own calculation for only 1 month from the 20th of febuary till date. And this is not indicative of past or future perfomance.

EquityM:
Option 1 is better to minimize risk. Keep 1M in MMF for quick cash.

EquityM:
They don't have a holding period; try Zedcrest or Paramount.

EquityM:
They don't have a holding period; try Zedcrest or Paramount.

EquityM:
Yup.

Niiade:
my 5 million and above people, the time don show.

EquityM:
It's deducted quarterly. Furthermore, every top-up has to be a thousand units × the current NAV price.

Gratefulme:
They just sent me an email now acknowledging the subscription and value date is today! Very unfair. They'll receive another email from me.

Uberchic1:
Zedcrest equity fund is doing really well so far. It's at 38.75% ytd as at Feb 18. Redemption was immediate when I tried it with 2k. Also, withdrawal into bank acct is same day last I tried.

Don't remember much of the on-boarding but I remember it was smooth. Address verification should take a few days max.

fastcars0000:
It's really crazy my people, I was the one who got refused with all funds available, in fact I decided to just wait for the spousal sponsorship instead, I had to apply for it just the time it takes was my issue but I have no choice because I had must visit my family.
With how sick my wife was , in fact I nearly lost my 2 years old daughter who is Canadian while the mom when for the final surgery, Anyway I also applied again this time the only thing I didn't submit is my future death certificate. I hope it works this time.
I send over $5000 for house rent and upkeep to them monthly in Canada, it's clear I had no reason to stay there even for a day more. I make good money in Africa, Nigeria is not the only country I do business. I think TRV visas are a No no now, these guys are something else. At the end of the day they still give visas to those who will eventually seek assylum

olasubomy:
It may be difficult to dissect what concerns the officer had with your application unless someone sits with you and check everything you declared but if you are patient to review it all again, you may see areas that can be improved.

My educated guess may be that the officer was not convinced about some wordings in your letter of explanation. One thing that comes to mind is demonstrate good understanding about the city you are visiting and detailed itinerary where you intend to visit apart from just staying at your friends place. I would give you an example:

I stated the above just to give you some depths about the kind of research to make regarding your intended destination city/province to strengthen your purpose of visit and tie it to something you are passionate about and intend to see. it also strengthen that vibe you are a genuine visitor and knows very well about what you intend to do. You can also plan towards a popular holiday in Canada. Don't relax too much on the fact that a Canadian citizen would be accommodating you.

Based on the info you provided. The green arrow per the screenshot is what you should select and not per red arrow. Whats that what you selected.

All the best!

amnotapervert:
If everything you said is correct, then under normal circumstances your visa should be approved. But we are living in abnormal visa times, and you are holding a Nigerian passport double wahala.

Canadian visa rejection rates are very high. IRCC has heard the “childhood friend/family friend will provide accommodation” story many times, and they currently have over 21,446 pending asylum cases. That’s the real issue here.

Yes you are not looking to claim asylum but because currently 21,446 asylum cases are pending for Nigerinas you are already put inside the bucket sadly https://www.irb-cisr.gc.ca/en/statistics/protection/Pages/RPDStat2025.aspx

amnotapervert:
It all balls down to Money how much you earn montly as a family

Help us with more context

What is your travel history?
How much do you earn monthly?

Let us look at it this way:
If you earn 1 million naira per month, it would take you about one year to save 13 million naira. That calculation assumes you are not paying bills or any living expenses, which is unrealistic in Nigeria.

Now, if you plan to spend a full year’s savings on a trip to Canada, it will not make sense to a visa officer. Why would someone spend an entire year’s income on a vacation?

Also remember that flight tickets around this time of the year are expensive.
On average, flights cost 900 CAD to 1,200 CAD during regular periods, and much more during festive seasons. For a family of three, with one child under 2 years old, you would only be paying for yourself and your wife.
A round-trip ticket for both of you could cost around 4 million naira non festive period

That leaves about 9 million naira from your savings.

But the visa officer will still ask:
Are you using almost your entire year's savings just to buy flight tickets for a 4-month trip?

For a family of three, 13 million naira in savings is not considered strong enough, especially for a long trip.

The officer likely felt that the funds were insufficient to support the travel.

Yes, 13 million naira plus a mutual fund looks substantial, but “sufficient funds” are judged based on:

1. Cost of Travel– flights, accommodation, feeding, transportation, and daily expenses for the entire trip. A longer trip requires significantly more money.
2. Financial Stability – you must show that after paying for the trip, you still have enough funds left to support your normal life back home.
3. Monthly Income Patterns – it’s not just about how much you have saved, but how much money flows into your account consistently.
4. Naira Devaluation– unfortunately, the naira has lost so much value. Amounts that used to look strong no longer meet expectations.

If you submitted a 6-month bank statement, the officer would check:

Your opening balance,
How much you received each month, and
Whether your account shows consistent income and stability with relation to the employment letter you submited.

For a young family from Nigeria, the officer may also consider risk factors, especially given the recent rise in asylum claims by Nigerians. It’s sad, but it affects visa outcomes.

I’m sorry about the refusal.

sobastical:
Is it up to or over 30 days yet?

Submitted on the 21st of October, nearing 30days

Just wondering why there’s been no update at all here

amnotapervert:
I have said this before but will say it again

People are funny sha IRCC will be asking what are you hiding ??

The IMM 5885E checklist is clear: 3 months of transaction history + 6 months average balance.

Remember, you’re coming with a Nigerian passport — don’t give them more reason to deny you

The IRCC website’s “Apply for a Visitor Visa” page suggests providing at least 6 months of account details in your statements.
https://www.canada.ca/en/immigration-refugees-citizenship/services/visit-canada/apply-visitor-visa.html

Do what you want with the information

koolvin12:
Good morning guys,

I want to start by thanking everyone who has made contributions to this thread. They really helped me a lot, may God bless you all for all you do.


In July last year, I had applied with my wife, and we were denied in December.

We thought it wise to wait for some time before trying again.

This August, we decided to submit another one and here’s the timeline.



5th Aug--- Application submitted

Background Check commenced same day

28th Aug---Eligibility completed

BVL and PPR



Documents submitted are

1.Passport- Copy of Data page, Expired Schengen visa, Entry and Exit stamps for Italy and Maldives trips

2. NIN

3. Proof of Funds----2 Dorm account statements having balance of 14k usd and 2.5k usd

Salary account statement having balance of 5.3m

Pension Account Statement having balance of 9.2m

Reference letters from my bank and pension

Registered Power of Attorney for my house/valuation report for same house

4. Marriage Certs, Birth Certs for my kids and family pictures

5. Employment- Offer Letter, Last Promotion Letter, Introduction letter from my employer, Tax Clearance Cert and Payslips

6. Additional Docs- Invitation letter from my brother supported with his PR card and birth certificate and a picture with him

Invitation Letter from my sister-in-law supported with her PR card.

Receipts of payments made to Ministry of Lands for my house

My birth certificate/ Professional Certificate/MSc Cert/Admission Letter for my PhD programme.



Thank you guys.

olasubomy:
The TCC should be enough for tax records and only reveal the tax remitted for prior years. That of the current year won't be reflected until annual returns are filed in 2026 and the tax authorities update the employees' records based on their individual Tax Payer IDs.

You don't need to worry about current-year tax as your payslip shows you are still employed, and your salary still passes the standard payroll system. The same applies in Canada, as annual returns are filed with CRA based on tax deducted from employees and remitted by the employer in the prior year.

TCC is not a mandatory document, as Hayatou 27 has mentioned, but there is no harm in adding it if, in your judgment, it strengthens your home ties.

adelforreal:
In Nigeria, Tax Clearance Certificates are issued on preceding year basis and this usually covers the last three years (i.e 2022, 2023 and 2024 in this instance). Hence, it poses no issue if it is used for any official purpose including visa application. All the best.

hayatou27:
The TCC is not compulsory, the E tax certificate is that plastic card issued by LIRS.

hayatou27:
Passport Request Alert

I woke up to this great news today

We have been refused Canadian Visit Visa in 2019, 2020 and 2024. Finally my wife and i have been approved.

Timeline: submitted on Sept 7th 2025, i have a biometric from my application from 2019

PPR : 26th September,2025

Document submitted
1) SOP
2) invitation letter from my sister
3) my sister and her husband Canadian passport, thier utility bill
4) I have a valid 5 years USA visa with Schengen , Expired UK visa and other travel history to the USA (This is my 5th US visa)
5) Letter of introduction from my office and my wife’s office
6) Letter from the member of parliament in my sister area in Canada
7) bank statement: 17k Euros and 10k USD
Money market: 54M naira and 50k USD
9) E- tax certificate
10) travel itinerary
11) letter of explanation for financials and Work history
12) marriage certificate

I did it myself , i got some tips here, Thanks guys

koolvin12:
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