₦airaland Forum

Iamblessed8888:
Lol @ stunt with. I agree that it’s a curated and cosmetic solution. It’s kinda cool though. It keeps things on an even keel

“Current account surplus drops 65% to $1.4 billion in Q4 2025

Nigeria’s current account surplus declined sharply by 65.52% to $1.4 billion in the fourth quarter (Q4) of 2025, down from $4.06 billion recorded in the third quarter (Q3).

This is according to data released on Wednesday by the Central Bank of Nigeria (CBN).

It also showed that the country’s overall balance of payments (BOP) surplus fell to $2.67 billion in Q4 2025, compared to $4.6 billion in the preceding quarter.


The development highlights increasing strain on Nigeria’s external sector, driven by declining export earnings and rising import demand, even as some inflows provided limited support.”

What the report is saying
https://nairametrics.com/2026/03/19/current-account-surplus-drops-65-to-1-4-billion-in-q4-2025/


One day the shakara go end and omo the drop go nasty.

Iamblessed8888:
Tinubu appears to be waving some magic wand over the exchange rate lol. Nice one

Lmao, na they are just flooded the market with all the dollars they are making plus the dollar is generally down now because of the war and oil issues. Once that's resolved and oil price come back down the amount of dollars the govt can stunt with will drop drastically.

EquityM:
Spartacus day.

Eweeeeekeelllleeeee

EquityM:
The 2USD is per unit. Almost 86naira per one unit which is higher than Seplat and Dangcem dividend payout.

Omo that’s a banger

EquityM:
I'm trying to see if my foreign stock portfolio can make 90% YTD, as I have the option to build my own portfolio. Rumors are going around that NGX might be transitioning to T-1 in May. I'm in for a roller coaster.

Omo trading dynamics will be crazy, more day traders with big whales manifesting and manipulating the market prices and trend.

The main reason this place is my first checklist in the morning is how we highlight practical examples of our use of various apps, upsides and downsides. Please before casting any opinion on information have the proof or detailed information we can review and we can make the right call abegi, some of us are not young before you let BP finish man pikin. Nagode

welzyj2:
We also have good stocks that are still undervalued. Take for instance Oando- shares should be over 100naira but still struggling to maintain 50

Some bank stocks are also undervalued currently

Have my eye on four bank stocks but only two have good entry prices going forward but doesn't have sign of a major uptick, the one bank I am very interested in have gone above my entry price while I was busy with other life challenges lol. oando has I think political leverage cus their books ain't making sense at the moment.

ezef2k4:
Where una dey see this money?

Question we dey my head

welzyj2:
Timing the market isn't easy and straightforward

We have elections next year and macroeconomic reform is what BAT wants to use as a catch for income earners

I see the capital market doing better than last year

Whats your prediction if Tinubu wins the election?

Beeron:
The bitter truth is you should pray to see red days because money is made in the zig zag movement of price action in the market.

Red days is essential otherwise, even your barber and shoe maker will all be investing in stocks/equities untill it becomes a bubble and burst in the most violent way, so red days are good days indirectly.

Now to your question: The reason why the market is 25% - 30% up is because institutional money entered the market last month, so if you have pension fund somewhere, chances are managers of that pension fund bought stocks last month.

Now if those conservatives pension guys bought stocks, ask yourself; why should I be scared to invest now if the most conservative investors in the country are the once providing liquidity to the market?

Institutional money only made the market stronger and a sign of more green days in the future, this current red which is not red enough for my liking (because it's mere profit taking and not real correction) is a blessing for people looking to enter now or any time the market turns red again.

My local fundamentals analysis show money is currently thrown at stock right now. Waiting to see when it balances out

welzyj2:
Timing the market isn't easy and straightforward

We have elections next year and macroeconomic reform is what BAT wants to use as a catch for income earners

I see the capital market doing better than last year

I truly know how hard it is o, I am gauaging for an estimate and please any input or insight if you find any time to clock in heavily please I would love such input if it comes, the election is going to being unpredictable swings which I am very weary about but funds will be liquidated to find these election as I predict it would be the most expensive elections ever in Nigeria. I don't see the capital market doing better than last year because after reviewing a lot of these stock their valuation is way to much except the top blue chip companies and the only reason they have large value is because of the exchange rate and if the rates go lower it reduces the value thrown into stocks. A lot of penny stock are overvalued.

welzyj2:
And real estate

Nigerian real estate dey fear me, lost too much to omo onile and some investment have some legal issues the wahala choke.

EquityM:
Yes, when stocks are down or there are rumors of war, gold prices go up. I've been monitoring the gold platform on the bank website for days now, and it has been green all week. They even have a pensioner gold fund, which yields higher than the normal gold fund.

it come to my attention that the old generation are looking after themselves, I pity my generation and lower we have little to not stake going forward. Those baby boomers own everything and prioritize themselves we just dey look.

EquityM:
The land is green. Modest gain across all equity platforms tonight. I'm not sure about Stanbic oooooooooooo.

Me I am waiting on that dip, once I get a dip that's a comfortable range, I will engage with equity or direct stocks. I have a list of them I am reviewing and checking the value fundamentally. If it doesn't I remain in MMF till it's dipping period towards end of the year. I missed the ride from January big mistake.

welzyj2:
Wow. Is the 137 for ARM legit?

Is there anyone here doing ARM aggressive growth fund

I don't think so seems they are using some period of 2025 in that report.

EquityM:
Yes, no equity involved. It's pure gold trading.

Nice, focus going forward is stock, equity, gold and silver.

EquityM:
It's a online trading gold platform that invests in gold bullion.

But the value is attached to real gold sha? Not just some equity fund thing.

richgang:
Hello House,

Please enlighten us. Since most of these equities usually return around 30% to 51%, I noticed that GT Equity did about 57% last year, while ARM did about 55%. Most of them have already done more than 25% this year alone, which means only about 25% to 35% may be left for the rest of the year.

So it seems likely that more red days could still come.

My question is: since most of these equities have already done almost 50% in just about three months, is it still advisable to invest in equities now, or would it be better to relax with MMF until next year and then invest in equities starting January 1?

It's still uncharted it might end in the year at 40% and those that invested when it 50% will lose 10% or it might be 100% at the end and those that entered at 50% make 50%. It's not guaranteed but the main part that is would be that you won't lose it all or most of your investment

LoriHamo:
Meanwhile....as una put 10M in equity.....any day wey e go green.....na better money o o.....

When he green we no see update

LoriHamo:
Chaiiii....I feel the frustration in your message

I have equity with Stanbic too....the truth is that my capital isn't affected yet....

But bro.....can you give it time?....let it recover?.....

Meanwhile.....if you can.....do not put all your funds in equity since you are a beginner like me.......

Take things easier......

The truth is Equity is the only REAL fund "grower".....

Just start with like 20% of all your investment funds .....

Good luck

Mistake people keep making because money is being made on some investment that goes up doesn't mean it won't come down then they move in heavy, get in early or go with the ride. If the up and down don't work for you invest in MMF and get daily influx and maintain it or invest the profit in equity that way capital is persevered and some fund are in equity dancing.

EquityM:
Mama equity 2: nice comment. He'll surely make the money back if he can handle
volatility, but I think MMF might be suited for him. Most fund managers in Nigeria should have a mini exam like my foreign bank did to me here to know the risk level of an investor before accepting any payment. I will be investing in Gold and equity once my KYC is approved from their head office. "King Solomon Gold"

They do just that people skip it, I did with Zedcrest, please this gold investment is it physical gold wish I had brought gold when my brother was back in the day.

Iamblessed8888:
Just tell it what you want and how you want it

Understood

Iamblessed8888:
I just feed the daily balance to chatgpt. You have to retain the chatgpt thread though

Please do you have set up prompt. Thank you

Ogborokiri:
Withdrawal is very fast na why I no go ahead with investnaija till now they never verify my address

Thanks interesting, prompt settlement is very key

This Zedcrest is faster than my shadow. Account open sharp, updated sharp, no fee to transfer money to your wallet and it’s updated instant. Got Clearing house number in less than 20 mins. Omo they are fast make I find money add to my 2K with them then we test transactions and withdrawal.

EquityM:
Haha, you should reach out to @Beeron. I recommend buying the Dangpetrol when it launches in May or June. The banking stocks are doing great for now.

are you going in on DangP and besides I am wondering how it would be overbought lmao

Iamblessed8888:
Lmaoooo. That was an unfortunate comment. I couldn’t bring myself to engage further.

No one is better off than the other even if wealthier. Anyone can get rich. Sometimes it’s luck, privilege, inheritance, unfair advantage, employment, etc.

None of these determine your core composition as a man and they are worldly standards manufactured by humans.

The real test of a man is leadership, grit, honor, loyalty, steadfastness, intelligence,how you help the weak etc. These i can respect any day but not money. I was disappointed at the comment but shrugged it off and decided responding isn’t worth it.

Well done chief, it’s funny to hear such comments, when I hear such in my head I just response that some dogs are richer, sorry cats and monkey are richer than a lot of us humans walking around with millions in bank accounts.

Beeron:
Money market fund?

You don't lose money in money market fund unless you meant Equity mutual fund.

The post you responded to said MMF, and I got confused after reading what the original poster posted and the responses so it got me confused Abi is there another type of MMF.

Beeron:
Chief, I know you are surprised at the loss, hence the reason you voicing out.

(Let me make you smile)

If you had made equivalent gains of your current loss, will you have reported to the house?)

(That's on a lighter note; just kidding you, cheer up Chief)


Truth is, you went into it aggressively, you could have test the waters before investing a huge chunk in it. However, you still didn't make any mistake if you have the patience to wait it out. You will eventually smile.


As long as you haven't pull out your money yet, your current loss is regarded as "paper loss" not real loss.

You only going through the motions of emotions right now such as fear, grief, regret, confusion etc.

As long as you are calm and stay invested, it will all pass, you will smile again, I promise you.

Once you get back you capital and you know you not fit for this type of emotional rollercoaster, please move back the money to MMF or just invest little you wouldn't lose sleep over.

My question is how do you lose money in a money market fund?

EquityM:
That's why equity funds come into play; once I reach 60-70M capital, I will stop and then go on vacations around Asia. **Black tax** is normal; however, any heavy demanding, my number is always on blocked throughout the year.

Lmao na real on block lmao

Smattrader:
I found the experience crazy, them trying to locate my address and home on the map but well...

Secondly, I don't know what's wrong with them, telling me that my SCSC pr CHN number isn't correct even though it is.

Yeah they told me the same thing also in regards to that so I didn’t bother. I will delete the app when and get back to it later

EquityM:
I'm currently working in Asia, and I am also running the local account here. I don't use dollars here, as they are of no use and worthless here; however, I use Western Union or Wise to transfer money to my Nigerian account, and this only brings me back to the USD rate when converting to naira. If the USD keeps falling, I always get an unfavorable rate.

Oh okay, I was wondering what the value of this investment will be except you intend to use naira or come back to Nigeria. Because if the rates become too unfavourable then all those gains might become losses long term.

But the again black tax dey lol