₦airaland Forum

airmark:
Happy birthday Odunharry and Nihilistjnr.

Thanks Chief.

A Prosperous New Year to you and your family

pamcode:
Nihilistjnr, odunharry.

Wishing you both a happy birthday.

May you both see more years on earth in peace, prosperity, sound health and sound mind.


As always my gentlemen drink responsibly 😄

Thanks chief. We will leave Alcohol and take only water .

A Prosperous New Year to you Boss

Unlimited22:
Happy new month and year.


Happy birthday Odunharry and Nihilistjnr

Thank you Boss.

A Prosperous New Year to you Sir

larride:
Happy birthday Odunharry and nihilistjnr

Thank you Boss

New tax law

Streetinvestor2:
No wahala I plan to open 2027 after this government is gone..lol

This man and him serious beef with current Government

Streetinvestor2:
Abeg what will people like me use it to do for this government..lol

You will need it if you want to open a business account and you don't already have one.

Get your tax id.

https://taxid.firs.gov.ng/

skydiver01:
Merry Christmas 🎄Wishing us all a Happy and Prosperous New Year 🙏

Merry Christmas chief

Raumdeuter, God will always increase and multiply your resources.

God bless you

Oyetunde49:
My TB investment is mature today . Can I expect payment today been public holiday or I have to wait till the next working day ?

Wait till Monday.

iamoyindamola:
Salah they collect Christmas rice too

Better one with plenty meat.

I like how Baba no send anybody. Just dey post him thing every Christmas

Trevor012:
Trust the process. Next year is definitely ours

With the right personnel

Trevor012:
Merry Xmas bro

As Bruno dn injure your mind dn rest abi

Merry Christmas Fellow United Supporters.

Airmark baba you got mail

emmasoft:
Key Investment Principles for Smarter Financial Decisions

As we transition into 2026, it is important to reflect on the lessons from 2025. The year presented a mix of gains, missed opportunities, and learning moments. Many individuals began their investment journey, others consolidated existing portfolios, while some explored new asset classes.
The lessons from 2025 remind us that successful investing is not about luck or speculation, but about structure, knowledge, and consistency.

As we enter 2026, in about 10 days, investors are encouraged to move with clarity, discipline, and informed judgment.
This handout highlights core investment principles to guide decision-making in the year ahead.

1. Capital Preservation Comes First
The primary objective of investing is to protect your capital.
High returns are attractive, but they should never outweigh the importance of safety. Always understand the downside risk before committing funds.
Protect first, grow second.

2. Invest Only in What You Understand
You do not need to invest in everything.
Before investing, ensure you understand:
• How the investment works
• How returns are generated
• The risks involved
• How and when you can exit
Knowledge reduces costly mistakes.

3. Start with What You Have
You don’t need millions to begin investing. Start with your current capital and grow gradually.
• Small, consistent investments compound over time
• Mutual funds can help build capital toward larger goals like bonds or real estate
• Waiting too long can expose your money to inflation risk
Action beats delay.

4. Beware of Ponzi Schemes
Ponzi schemes exist in every market cycle. Be cautious of:
• Guaranteed or unusually high returns
• Pressure to act quickly
• Lack of transparency or regulation
If it sounds too good to be true, it usually is.

5. Make Decisions Based on Facts, Not Rumors
Avoid making investment decisions based on hearsay or social pressure.
Proper due diligence should always come before investment. At times, informed investors may act alone—confidence should come from research, not popularity.

6. Diversify to Manage Risk
Risk is better managed when investments are spread across asset classes such as:
• Mutual funds
• Treasury Bills
• Federal Government Bonds
• Stocks
• Real estate
Diversification reduces overexposure to any single investment.

7. Be Tax-Aware
With evolving tax laws, investors should consider tax-efficient instruments.
Where direct bond investment is not possible, instruments with FGN Bonds as underlying assets can offer relative stability and tax advantages.
Always consider after-tax returns, not just headline yields.

8. Remember the Golden Rule of Investing
Warren Buffett’s timeless principle:
Rule No. 1: Never lose money.
Rule No. 2: Never forget Rule No. 1.

Final Note
Successful investing in 2026 will reward discipline, education, diversification, and patience. Focus on long-term wealth creation rather than short-term speculation.
Wishing you a disciplined, informed, and high-yielding 2026 ahead

Well said Mr E. O.
The best time to invest is now. Always remember to diversify(Invest across several asset classes Fixed income, stocks, real estate etc). But if it's fixed income(Treasury Bills, fixed deposit, Bonds, CPs, Mutual funds etc you understand, then play along this asset vehicle.

Do your due diligent, research more, drop your questions here also(there are active and silent members that will guide you as beginner).

MeezPat:
Hello emmasoft, what bank do you use that sends this please

You can get the calendar and some asset managers also send to client.

Newcastle we need two more goals

swiz123:
Look at Garnacho embarrassing himself when tasked to show a little bit of technicality. Couldn’t perform a simple spin and even took a yellow card from his failure.

I can’t believe they brought this disgrace from Manchester to torment me.

CrystalTiger:
What is even sexually appealing in a kid?

People are really sick for real, smh

Who be the man

digitalinvestor:
About 100m.

spam bot strike and deleted comments.

Double post

Beeron:
Gbam!

The economy was overheating at that point.

It was at that point that Cardoso felt the need to do CPI rebasing. And kept hiking MPR.

The funny thing is, we weren't seeing results as FX was threatening to spiral out of control.

Cardoso had to double down by rebasing the GDP and refused to cut MPR.

People on this thread were happy for high MMF rates and Tbills rates. I was just laughing and thinking, only if they knew the sleepless night Cardoso was having.

Now suddenly, Inflation began to drop

It all seem like a sleight of hand to me because, personally, what I think is happening is:

Strip out the rebasing, Nigeria inflation is still very much high.

Now Inflation numbers has been coming down because we now exiting the rainning season when there is abundance of food.

Now strip away food inflation and let's focus on core inflation. You will realize the fear in Cardoso's mind which is why he refused to cut rate in the last MPC meeting.

Our economy is very fragile.

True this. I forsee a rate cut by February 2026. Thought assymetric corridor was lowered. Inter banks hovers currently around 22%.

The last auction saw over a trillion subscription. The one bfre was around 500b or so for the longest tenure. DMO needed money, hence they increased rate slightly for the longest tenure.

People should enjoy the double digit rates for now, who knows in the future, we might get to see rate drop to single digit as it was few years ago

Beeron:
No one said, Tbills was doing 30% sir.

Re-read again, then you will see a different meaning to it.

If Tbills was doing 30%, that means the economy is overheating.

Just saw it..

Around last year yield was as high as 30% though inflation then was over 30%

Nakedman:
I have called them about the issue. There's so much glitch in that app and the secondary market purchase don't go through and they held onto my money for 10days. Stanbic needs to address issues regarding buying tbills via the app it's difficult and not seemless. I won't be using it again. I'll stick to traditional banking

Your money laying idle for ten days isn't really nice. You can explore the other option. Talk to your account officer

Beeron:
In your earliest post, I saw you quoted 100M to invest.

I would advise you spread your investment into Tbills and MMF to enjoy both privileges.

Lock 30% in Tbills when Tbills rate is high and

Invest 50% in a MMF of choice permanently.

Always Use 10% to shop around different MMF offering the best rate after 30 days.

Lastly, Invest the remaining 10% in a balanced Mutual funds that has both stocks and bonds.


If you follow this strategy, whether rates are poor or not, you will always smile because your financial power (investment volume) is making you enjoy good returns from all sides. (Tbills, MMFs, Stocks and Bond)

For more insight, see my YouTube channel down

Tbills isn't doing 30%

Nakedman:
...

Reach out to them via mail or call.

I have not tried it though

IamtheDef:
Hello sir, can you really classify investments with ren.money as safe seeing as their they are an MFB and deposits are insured to a maximum of 2million per customer

Yes investment with Renmoney is safe and secured. Remember the CBN regulates their activities.

digitalinvestor:
What rate would I get to collect interest upfront? for 365 days!

Depends on the range of amount.

Pls check my signature

Let's talk if you are looking for investment that is safe and secured and rate slightly better than Tbills.
Fixed depo.sit with Ren.money.


Can't post some details due to Anti spa. m bot

crownprince2017:
In this same disgraced ngx, scatter ngx?



I hope the oloriburuku that was creating panic is out of the market now if not I never know wetin I go tell am....yeye they smell.

Lol easy. As at July or so, NGX recorded it's best performance since 1999.

Some were complaining about the market this year, meanwhile some people are still making money