₦airaland Forum

KOMBE:
My Toyota Camry 09 vibrates at high speed and sometimes when I apply brake or reduce speed. I have changed all tyres, done wheel balancing and alignment. Also checked the CV joint, rotor, shaft. Yet the problem continues, please help.

Beeron:
you said "By comparison, a MMF delivering a steady effective annual return of 11% over the same 20-year period would have grown the same #50 million into about #403 million…that’s a 706% total return."


This is where your analysis broke down because, Can you even trust that MMF will remain steady at 11% for 2 decades without getting lesser returns, and I know It will swing up past 11% in some years too but this rate isn't steady like it's cracked out to be.

2 decades in typically enough for at least 2 macros economy circles in a country, so running your maths on a steady 11% returns over 20 years is greatly flawn and doesn't hold water at all.

Comparing it to Equities investment is abysmally redundant. I refuse to do such comparison with you, a better comparison should have been long term government BOND.


Just one good large cap company in the stock market with good capex and good dividend paying history will shatter the dream returns of MMF long term.

Neurotika:
I find these contrasting views somehow interesting. But I usually prefer grounding my analysis in concrete numbers.

For instance, suppose Nestle traded at #200 in 2006 and stands at #1,300 in 2026. A #50 million investment made in 2006 would today be worth approximately #325 million (ignoring dividends and bonus issues). That represents a 550% total return, or roughly 9.81% per annum compounded.

By comparison, a MMF delivering a steady effective annual return of 11% over the same 20-year period would have grown the same #50 million into about #403 million…that’s a 706% total return.

So viewing it from the capital appreciation lens alone, a solid MMF will usually outperform an average stock over long periods. Equities’ real edge comes from dividends, especially when reinvested. But these are purely based on management discretions which makes your returns more uncertain….

At the end of the day, the route taken doesn’t matter. The destination is the real deal. Just ensure you don’t build wealth on assumptions, regardless of the path you choose.

dgitrader:
Oil is quoted in futures delivery price. The refined fuel you get at the pumps was delivered at over 100$ five weeks ago. Price reflections is not instantaneous. The $74 oil will get to the pumps in weeks time. This is how the refineries worldwide stay afloat, despite the very thin margin of gains due to industry competition.

In local example, dangote petrol of today was priced and paid for in naira equivalent of over 100$ to NNPC and co, marketers booked the fuel from dangote at that price template also weeks back, any instantaneous crash in price will make holders of unsold or unsupplied marketers go bankrupt. Remember what happend to otedola and co during 2008 crises?
It's a low margin but high volume business.
However, this is not to say Nigeria isn't a hyper profiteering environment. That's just how it operates worldwide. The pump prices even in Texas have not drop significantly.

nairalanda1:
Well, the old fuel stocks have to be sold off first, or else the marketers and refiners lose money.

In brief, when the fuel that is being sold now was being refined, the price was higher than it is now. So the prices of fuel won't come down until that old stock is sold off.

When the fuel that is being sold at the new prices ie the lower price, is refined and reaches the market, that's when the price most likely would come down.

It may happen in the next few weeks, since most of our fuel is being produced domestically, but again depends.

Keep in mind that if fuel prices fall TODAY...it means losses, which affects salaries and wages of workers in the petroleum sector. Ordinary Nigerians.

MODIFIED

This guy explains it better than I can ever do

Javid13:
To be honest i dont support PBAT..but what has Atiku/Peter Obi said so far on how they will tackle insecurity in Nigeria. Insecurity is the most pressing issue right now. Make we no jump from Fry Pan to fire. Base on the coming 2027 election, we are about to decide our fate for the next 4years or more. I have already giving up on this administration.

Gotocourt:
Manufacturing abi distribution

clockwisereport:
Lol
U are a joker

You people just come online and say what u know nothing about

Truthissupreme:
You people are very dull, where was all these revelation during his screening

I would like tinubu to be out, but both masses and the opposition are in for the cruise

Ok what is stopping these ADC guys from going to a new party now instead of wasting time with a mole paid by tinubu

LegendHero:
Yes, he is a deity

LegendHero:
Fake news to make them opposition happy.

You wan beat Tinubu for strategy lol. The opposition should be careful of their own people actually working for Tinubu in their coalition.

emmasoft:
Key Factors That Determine Where You Invest Your Money

It will be sincere to acknowledge that it will be difficult to use absolute terms to say that a regulated investment is bad or good. There are many factors to consider before you go into a particular investment instrument.

Making sound investment decisions requires an understanding of several personal and market-related factors. These include:

Risk Appetite
This refers to your ability and willingness to tolerate losses. Generally, investments with higher risk offer the potential for higher returns, while lower-risk investments tend to offer more stable but modest returns.

Investment Objective
What do you want to achieve? Your goal may be short-term (e.g., liquidity, income) or long-term (e.g., wealth creation, retirement). Your objective largely determines the appropriate investment vehicle.

Experience and Knowledge
Your level of financial literacy and market experience often influences investment outcomes. Better knowledge typically improves decision-making and risk management.

Age
Younger investors can usually afford to take more risk due to longer investment horizons. As investors grow older, it is often advisable to gradually shift toward more conservative investments to preserve capital.

Funds Available for Investment
The amount of capital you have can determine the type and structure of investments accessible to you. Some investments require significant capital, while others allow small, incremental participation.

Investment Duration (Time Horizon)
Time plays a critical role in investing. In most cases, longer investment durations allow for compounding and better absorption of market volatility, potentially leading to higher returns.

Note: While these principles are generally applicable, there are always exceptions to the norms.

Common Forms of Investment
Real Estate
Stocks (Equities)
Mutual Funds ( MMF, equity, balance, fixed income, etc). Among the mutual funds, it's only the MMF that promises guaranteed return of capital and varied returns on capital; others have no guaranteed capital or returns.
Treasury Bills
Bonds
Commercial Papers
etc

Final Note
The primary aim of investment is to make a profit/returns. However, some of the factors and types of investment, as stated above, now determine the level of your profit/returns.

Investment is dynamic, so before you pick a particular instrument to invest in, or move from one form to another, consider the above factors; it's part of due diligence to make before settling for a particular investment.

Professionally, it's advised for an investor to diversify, but start with what your risk appetite agrees with before attempting other forms of investment as your knowledge increases and confidence gets stronger; but be sure opportunities always abound in the investment space.

Max24:
Read and understand why. Undeclared allergens. If they had declared it no problem

esnbrutality:
Obviously this is a witch-hunt.

All companies with massive presence in LAGOS must be loyal to APC LAGOS or face prosecution.

All the other brands from this company still incorporate the same basic ingredients and they have been selling for ages!!!

The person that DID that foolish stunt in ONITSHA Market, Tradefair market, has started going after foreign businesses.

Tomorrow they claim to be accomodators and ask for respect

Truths9ja:
Adeleke team didn't wise up here. How could you decamp to a party that has multiple factions at the state and national level. Adeleke's a goner.

Bolintonautos:
A

Educationalserv:
Atiku is the presidential candidate of ADC
Peter obi has become party less .
With.his recent Support for Convicted Terrorist show he doesn't even deserve the VP to Atiku
He should continue in LP and come 4 th .
He actually havested Jonathan Vote .

Than for OBi to be VP
Tinibu should continue and hand over to Ribadu .
Kamu and his Fake Biafra killed 120 policemen and 36 Soliders including a beheading a couple.
Also killed several of his kinsmen

ChizzyBuna:
They should shut down all Brothels in Kastina
Starve them of sex. Terrorist love sex
When konji hold them and no brothel open
They will run back to their home

geezyk:
Me dey don dey use my big daddy for over 5yrs like dis, the only time I experienced overheating was when the radiator fans stopped working, once we fixed that issue, it came back to normal. I've never opened the engine for once in my 5 yrs of usage.

Meedon:
And the people who are supposed to do something are docile. Is it when they kill of us that something would be done?

God bless the dead.

This Nigeria that we are working tirelessly for who will enjoy it if we all die from all these senseless killings.


Remember today is their turn, tomorrow maybe your turn. Keep on supporting evil and praying to God to protect you. Do you think God love you more than those being killed.

If you see what is not right say it.

FarahAideed:
“I swore an oath to defend the Constitution of the United States, but I cannot attack and kill my own parents because of a false accusation of killing Christians in my country.”

Suleman Isah Isah
Nigerian-born U.S. soldier from Kano.

Suleman made headlines in 2020 when he married his American wife whom he met on Instagram.

https://x.com/DejiAdesogan/status/1985014225907933443?t=vGecml7HXXDvBJAAGNyUKQ&s=19[/quote]It is now obvious who the terrorists are.

jesusjnr2020:
I saw this post on social media and it more or less portrayed my thoughts and concerns, hence deemed it wise to also share it here.

If the Catholics indeed claim and believe to have emerged from the early church led the apostles, and Peter was their first bishop or pope, then why the drastic deviation from the example, doctrines and standards set by the apostles and those of the early church?

Moreover where did all the practices in the Catholic church foreign to the early church, things which the apostles never did, such as praying rosary to so-called "Mary", emerge from?

These are some important questions some of our Catholics brethren ought to ask themselves if they truly want to follow Jesus and not the traditions and doctrines of men, because it's beyond glaring that many such practices and doctrines in their Catholic church do not align with those of the apostles and the early church which they claim to have originated from.

If indeed the Catholic church emerged from the early church led by the apostles of Christ, It's my earnest desire to see them return to the example, doctrines and standard set by the apostles and early church which they received from Jesus Christ

God bless.

Burob:
U shall know them by their fruits, Tinubu is a failure see Lagos state no 1, Gringory Obi is the messiah see Anambra State No. 20, atiku is John the Baptist see Adamawa state no.31.

Racoon:
IGR is not a reliable index of assessing economic prosperity. PPGDP is the best. Taxation is not economic development

Kushites:
RENO OMOKRI is more intelligent and exposed than you.

He knows EXACTLY what motivates Republicans like Ted Cruz.

He knows that Ted Cruz cares ZERO about Africans and blacks.

In America he and his MAGA racist party are busy cancelling the gains of the Civil Rights movement of the 1960s which gave blacks greater rights in America.

So his poke nosing his self into Nigeria has ZERO to do with Nigerians and Everything to do with sowing hatred and division through lies.

There is no systemic attack on Christians in Nigeria.

The biggest victims of terrorism in Nigeria are MUSLIMS by a factor of 90%.

If they want to kill Christians, why have suicide bombs never dropped in Onitsha or Ibadan or Lagos or Aba or Enugu?

You think they don't know the way to your southern cities?

CannibalEast:
Where you wan see 99 years?the certificate we soon revocate.

Ttalk:
This outlook can fetch him 2 Ibo ladies.

FFK just dey pick Ibo girls like someone picking beans

jamafa:
Which list abeg??

Some of those u claiming to b Igbos are from south-south abeg.

Check well!