₦airaland Forum

Loco has successfully divested from CHAMPION BREWERIES @ 205% profit.
The proceeds is now going into CI LEASING

When we said C & C is for 200 - 300%,people thought we were joking.Watch out how Ci leasing will yield a better returns to shareholders than what champion has done.

With up to 25 million units of Ci leasing at N10 -N15, up to N300,000,000 is achievable in a short to medium.

We are now serious in this retirement journey.
This opportunity may come before April 2026.

vacanci:
This man can argue for Africa. As soon as I saw that cut out report from SEC posted, I knew you will also know more than SEC.

Always on the opposite side. If they have initially taking your ideas as the terms to define a high net worth, you will still argue it to the opposite direction.

Why do I have this feeling that you could be arguing with yourself as well.

You will always argue without evidence. And when others bring out evidence, you argue with evidence

You sure say u go even agree with OXFORD so?

Men you are just too much. You are one of a kind

Everything you just typed is irrelevant — the definition of net worth is universal. I didn’t invent the term; feel free to look it up yourself.

If Dangote were to tie up all his cash and equivalents in land and cars, would that suddenly make you wealthier than Dangote?

In all you do,make sure you are in this vessel

Hi Loco, just know that I have decided to follow your suggestions blindly, try to make them accurately. PS. nobody should advise me😀.
I have 4million please when should I channel it. For medium term profit?

Locotrader:
In all you do,make sure you are in this vessel

I checked, and they’re two different things:

Net worth includes everything — cash, land, buildings, cars, and so on.

High Net Worth Individual (HNWI) status, as used in finance, focuses specifically on investable financial assets — not just cash, but also stocks, bonds, and similar instruments.



So?

Locotrader:
Pa Emma is around 60 years
Agba 53 years
Peter 50 years
Streetinvestor 47
Mercy
Loco is 45 years
Ositadinma 40 years
Emmaodet 35

Na wa ooo, make I add my own Age Analysis as per Agba.
Median age of population observed -
Rearranging ages in ascending order -
35,40,45,47,50,53 and 60.
Median is 47.
Mean of the Age = Sum of total ages / observed population of 7 = 330/7 = 47.1i
Which means the average age of nsempa members in this forum s 47 years.
Standard deviation is 8.3
Which means 1 standard deviation - 8.3 + 47.1 = 55.4 years at the upper band and
47.1 - 8.3 = 38.9 at the lower band.
From the original data: 35, 40, 45, 47, 50, 53, 60 The values that fall within [38.87, 55.41] are:
40, 45, 47, 50, 53
That’s 5 out of 7 values, or about 71.4% of nsempa members age fall into this bracket — which aligns well with the empirical rule (about 68% of data falls within 1 standard deviation in a normal distribution).
The 7 period average true range = Pa Emma (60) - Emmaodet (35) = 25 which is the average age range on this group.
The group is experiencing a bearish candle opening at 60 and closing at 35.
The 3 age-period simple moving average is 60 + 53 + 50 / 3 = 54.3.
Doing it till the 7th age period will give 54.3, 50, 47.3, 44, 40. It shows the SMA trend line is declining and bearish.
You can get your RSI, ADX and many more indicators from these observations.
Let me leave the remaing for Agba ichimoku, Ositadinma Price-volume profile, Purist ABCD pattern and elliot wave etc

Locotrader:
Loco has successfully divested from CHAMPION BREWERIES @ 205% profit.
The proceeds is now going into CI LEASING

When we said C & C is for 200 - 300%,people thought we were joking.Watch out how Ci leasing will yield a better returns to shareholders than what champion has done.

With up to 25 million units of Ci leasing at N10 -N15, up to N300,000,000 is achievable in a short to medium.

We are now serious in this retirement journey.
This opportunity may come before April 2026.

Loco..wow

You are on the high network level according to SEC Nigeria.

You are at the top 1% of adult population.

Perculiar:
Hi Loco, just know that I have decided to follow your suggestions blindly, try to make them accurately. PS. nobody should advise me😀.
I have 4million please when should I channel it. For medium term profit?

Make sure you make your Ci leasing stock 1 million units.This will cost you about 5.6 million naira to purchase it.

This is your N15,000,0000 stock in a short to medium.

If you can close your ears and eyes and do this,you will live to thank me as I will be heading to my retirement by then.

SAK:
I tried to sell one of the stocks I bought yesterday,the error message was "insufficient balance" which was not correct.

Yes it was like that on 3rd July.

CSCS acts up like that once every burgundy moon.

On the other note
Make sure you have the later

Presco vs Ellah lakes/Ftn cocoa
Fidson vs Neimeth
Japaul vs chams BOTH
Ucap vs Deap cap
CWG vs omatek
Tantalizer vs Daar com

Locotrader:
Loco has successfully divested from CHAMPION BREWERIES @ 205% profit.
The proceeds is now going into CI LEASING

When we said C & C is for 200 - 300%,people thought we were joking.Watch out how Ci leasing will yield a better returns to shareholders than what champion has done.

With up to 25 million units of Ci leasing at N10 -N15, up to N300,000,000 is achievable in a short to medium.

We are now serious in this retirement journey.
This opportunity may come before April 2026.

Cash is king really. The main deal is in making huge investment in very few stocks. With starting capital of 30m, LOCO's 10m units of champion @3naira has made him 100m and now he plans to triple that with C&I. He will sure retire early.

30m turn to 300m. Just 1 zero makes the difference!

Happy retirement in advance chairman

Locotrader:
Make sure you make your Ci leasing stock 1 million units.This will cost you about 5.6 million naira to purchase it.

This is your N15,000,0000 stock in a short to medium.

If you can close your ears and eyes and do this,you will live to thank me as I will be heading to my retirement by then.

locomotive baba. Me don buy 500,000 units of ci leasing and 500,000 units of caverton with long term in view (not financial advice). Please add that the journey to N15 may be a marathon and not a sprint so the man wouldn't be panicky if there's immediate price fluctuation.. this time make you no show fickleness in your stand.. a double minded man is unstable in all his ways

Perculiar:
Hi Loco, just know that I have decided to follow your suggestions blindly, try to make them accurately. PS. nobody should advise me😀.
I have 4million please when should I channel it. For medium term profit?

https://alphaafrican.com/understanding-high-net-worth-individuals-hnis-in-nigeria-and-what-differentiates-them/


NB....work hard and smart

Locotrader:
Loco has successfully divested from CHAMPION BREWERIES @ 205% profit.
The proceeds is now going into CI LEASING

When we said C & C is for 200 - 300%,people thought we were joking.Watch out how Ci leasing will yield a better returns to shareholders than what champion has done.

With up to 25 million units of Ci leasing at N10 -N15, up to N300,000,000 is achievable in a short to medium.

We are now serious in this retirement journey.
This opportunity may come before April 2026.

Your strategy is working for you, jijo dey pay you

emmanuelewumi:
I have heard you, 20% of Nigerians have a networth of N200 million

your not the only one i have heard saying this...but i find it hard to believe,anyone that can build a good house,have a steady good job and have atleast 20-40m is up to that.and most people i know have this.

Locotrader:
On the other note
Make sure you have the later

Presco vs Ellah lakes/Ftn cocoa
Fidson vs Neimeth
Japaul vs chams
Ucap vs Deap cap
CWG vs omatek
Tantalizer vs Daar com

I see say you don jump japaul-ship.. let's see what happens soon...

ppogba:
This is a type of comment that makes people to ask you the question " how old are you"?

I just hope kids are not migrating to this section of Nairaland

it is better to keep mute,than throw uncessary insults at people.

June 30th had come and gone. I wish banks will now come and tell us that they have cleared themselves of this forbearance issue and Single Obligor Limits with CBN. Well, only time will tell, especially with those that normally pay interim dividend. So, if your bank that used to paying you interim dividend fail to pay you this year, know that they still have an axe to grind with the CBN. Only problem with me is that I had already budgeted this year's interim dividend using the same rate (if they pay higher fine) but, If they don't pay too, fine as there is nothing i can do. After all na the CEOs and directors go benefit more.

Streetinvestor2:
If 20% then Nigerians won't be classified as poor.
Start by checking your friends who has such worth

we learn everyday.if 200m is the 1 percent of the population.what then is regarded as a rich man in Nigeria.

chidekings:
we learn everyday.if 200m is the 1 percent of the population.what then is regarded as a rich man in Nigeria.

only people who got it know.

ojeysky:
Cash is king really. The main deal is in making huge investment in very few stocks. With starting capital of 30m, LOCO's 10m units of champion @3naira has made him 100m and now he plans to triple that with C&I. He will sure retire early.

30m turn to 300m. Just 1 zero makes the difference!

Happy retirement in advance chairman

I cried so much for missing Ellah.
The liquidity I see would have lead me to early retirement.
Nothing beats buying one stock in multi million units.

Ci leasing is pursuing 80% of my entire portfolio.In the next 2 weeks I will be a one man stock.This will help to facilitate retirement in 2026 when stock prices will be scary high.

chidekings:
your not the only one i have heard saying this...but i find it hard to believe,anyone that can build a good house,have a steady good job and have atleast 20-40m is up to that.and most people i know have this.

You're absolutely spot on. Most people confuse visible assets with financial health. That ₦40M house? It’s not liquid, and the resale market isn’t your friend when you need to sell. Worse still, some fund it with debt, not surplus.

The leverage trap is real — lifestyle funded by loans, not cash flow. They’re just one income hiccup away from unraveling. The sad part? They don’t even know they’re overexposed because society claps for outward success, not cash flow discipline.

As for portfolios — 100%. Someone’s half-year gain is another person’s total year’s hustle. The wealth gap is wider than many realize because compounding doesn’t show off — but it works.

The Pareto Principle? It rules everything — wealth, returns, even wisdom. Most just follow noise. Few study the game.

We need to start celebrating sustainable liquidity over visible lifestyle.

Agbalowomeri:
You know say I dey go church so I no fit swear

Without Prof Agba, Loco and a few others here, this thread might be boring, the way he jokes with words even the so called serious matter is next to none. was just laughing.... thank you Boss

emmanuelewumi:
I have heard you, 20% of Nigerians have a networth of N200 million

Let’s take a step back and look at the numbers. Nigeria has approximately 64.8 million BVN-linked bank accounts, yet only 5% of these accounts hold balances above ₦500,000. That’s just about 3.24 million individuals. In a country with a population exceeding 230 million, this means only around 1.4% of Nigerians have access to more than ₦500,000 in their accounts.

Now consider this: if only 1.4% have over ₦500,000, it is highly unlikely that up to 1% of the population has a net worth of ₦200 million or more — even when you factor in non-cash assets.

Zoom in on Lagos, Nigeria’s commercial capital, with a population of about 15 million. How many of its residents can realistically be classified as wealthy? Then extend that question to the rest of the country — from smaller cities to rural communities.

Even in government, the numbers don’t stretch far. How many politicians do we actually have? Not nearly enough to tilt the wealth statistics significantly. And if we look at the private sector, Dangote — Nigeria’s largest private employer — has fewer than 50,000 employees. That’s a drop in the ocean compared to the labour force.

So when we talk about wealth in Nigeria, let’s be honest and grounded. The numbers paint a clear picture: true wealth is held by a very small fraction of the population.

Also, see image. Can download report with last link.

Sources:
https://nairametrics.com/2024/02/24/only-about-5-of-nigerians-have-over-n500000-in-their-bank-accounts-wale-edun/
https://punchng.com/bvn-enrolments-hit-64-8m/
https://intelpoint.co/report/the-nigerian-financial-services-market/

Perculiar:
Hi Loco, just know that I have decided to follow your suggestions blindly, try to make them accurately. PS. nobody should advise me😀.
I have 4million please when should I channel it. For medium term profit?

the bolded part cracks me up.

Locotrader:
I cried so much for missing Ellah.
The liquidity I see would have lead me to early retirement.
Nothing beats buying one stock in multi million units.

Ci leasing is pursuing 80% of my entire portfolio.In the next 2 weeks I will be a one man stock.This will help to facilitate retirement in 2026 when stock prices will be scary high.

Locotrader, before it was Chams. Now it is C & I leasing. When did you divest your holding in Chams and entered C&I. This Loco you dey move o.

starpower:
You're absolutely spot on. Most people confuse visible assets with financial health. That ₦40M house? It’s not liquid, and the resale market isn’t your friend when you need to sell. Worse still, some fund it with debt, not surplus.

The leverage trap is real — lifestyle funded by loans, not cash flow. They’re just one income hiccup away from unraveling. The sad part? They don’t even know they’re overexposed because society claps for outward success, not cash flow discipline.

As for portfolios — 100%. Someone’s half-year gain is another person’s total year’s hustle. The wealth gap is wider than many realize because compounding doesn’t show off — but it works.

The Pareto Principle? It rules everything — wealth, returns, even wisdom. Most just follow noise. Few study the game.

We need to start celebrating sustainable liquidity over visible lifestyle.

How many people in Nigeria actually buy or build houses using debt? We're talking about Nigeria, not the UK or USA. Last time I checked, you can even use your house as collateral for a loan.

Let’s not paint liquid assets as risk-free — your stocks can lose value. Just ask those who bought large quantities of Nigerian Breweries shares when it was around ₦200. Many had to either sell at a huge loss or hold on indefinitely, hoping it rebounds — whenever that may be.

Even holding naira is risky. On the flip side, some people who bought land for ₦100k or ₦500k now find it's worth ₦20 million.

In my opinion, the best approach is to hold a balanced portfolio, because all asset classes carry both risks and benefits.

A bitcoin investor just moved a 14 years investment which is now worth $1.1b from an initial investment of $7.8k.

Whale moves
Happy retirement!

opadiya:
The generally acceptable assets that are relevant in computing net worth are very liquid assets like stocks, bonds, cash, etc and not fixed assets.

I disagree, accept you are talking about high networth investor. Someone networth has to include both liquid and fixed assets. This is the reason Dangote Refinery was included in his present networth.

Agbalowomeri:
You know say I dey go church so I no fit swear

Agba your oloshos are classified as personal belongs and liquid assets. Therefore you fall into 200 million and above bracket.
You don't need to swear again

ositadima1:
How many people in Nigeria actually buy or build houses using debt? We're talking about Nigeria, not the UK or USA. Last time I checked, you can even use your house as collateral for a loan.

Let’s not paint liquid assets as risk-free — your stocks can lose value. Just ask those who bought large quantities of Nigerian Breweries shares when it was around ₦200. Many had to either sell at a huge loss or hold on indefinitely, hoping it rebounds — whenever that may be.

Even holding naira is risky. On the flip side, some people who bought land for ₦100k or ₦500k now find it's worth ₦20 million.

In my opinion, the best approach is to hold a balanced portfolio, because all asset classes carry both risks and benefits.

not talking about bank loan, quite a lot of business owner displaying wealth have a business with poor cashflow statement. People take credit from suppliers as leverage

Locotrader:
I cried so much for missing Ellah.
The liquidity I see would have lead me to early retirement.
Nothing beats buying one stock in multi million units.

Ci leasing is pursuing 80% of my entire portfolio.In the next 2 weeks I will be a one man stock.This will help to facilitate retirement in 2026 when stock prices will be scary high.

You are out of chams. That means you won't be participating in the RI.
I still dey sha and will pick up my RI