₦airaland Forum

nosa2:
Never let the facts get in the way of a good story.

We are in full casino mode. Sense is gradually leaving the building

yBro I tire for matter. Plenty casino boys are joining the ngx lately because many ponzi schemes have failed on net even forex is not really delivering
They can market anything to them with the jingles now happening about ngx.
The think the ngx is now only about bull.How to make 100% in 2 weeks. When time comes some will definitely learn the hard way.They say our past experience is rubbish and that they are the smart ones on board..lol

emmanuelewumi:
You can invest N10,000 in a stock and start earning dividends that will be paid into your bank account immediately, another person can invest N30 million in real estate and yet can't start earning rental income from it

It all depends. In 2017 I bought a piece of land in a place called Ohi in Imo state. I bought at the rate of 1.5million per plot. Today a plot at the same location is sold for N14million.
GTco is an exceptional case. If we go into exceptional cases, the examples we have for landed properties will sound unbelievable. There is a place they call southafrica in Ihiagwa in Imo state. They just discovered oil there and the land owners are being compensated. You will not want to hear what is on offer.
Forget rental income, it's not the real deal. Growing up in Jos, plateau state, I remember a friend who's father bought a property at Ahmadu Bello way back then for 15million. I don't think the man will sell that property today for anything less than N500million.

Mpeace:
It all depends. In 2017 I bought a piece of land in a place called Ohi. I bought at the rate of 1.5million per plot. Today a plot at the same location is sold for N14million.
GTco is an exceptional case. If we go into exceptional cases, the examples we hove for landed properties will sound unbelievable. There is a place they call southafrica in Ihiagwa in Imo state. They just discovered oil there and the land owners are being compensated. You will not want to hear what is on offer.
Forget rental income, it's not the real deal.

Are these assets acceptable by financial institutions as collateral securities.

PETERiCHY:
WHAT does "BUY the RUMOR sell the NEWS" mean?

'Buy the rumour, sell the news' promotes the idea of capitalising on market movements by opening a position on a rumour, in anticipation of an announcement that could cause a shift in the markets. The trader will then close their position once the news has broken, often at a considerable profit.


BARGAIN HUNTERS TAKE NOTE?!

I won't buy rumours because I am in the stage of growing money. The preservation of capital is the most important in the business

emmanuelewumi:
Are these assets acceptable by financial institutions as collateral securities.

Not all. Just as you cannot use japaul as collateral(I done japa from the group before Loco see my post)

Mpeace:
It all depends. In 2017 I bought a piece of land in a place called Ohi. I bought at the rate of 1.5million per plot. Today a plot at the same location is sold for N14million.
GTco is an exceptional case. If we go into exceptional cases, the examples we hove for landed properties will sound unbelievable. There is a place they call southafrica in Ihiagwa in Imo state. They just discovered oil there and the land owners are being compensated. You will not want to hear what is on offer.
Forget rental income, it's not the real deal. Growing up in Jos, plateau state, I remember a friend who's father bought a property at Ahmadu Bello way back then for 15million. I don't think the man will sell that property today for anything less than N500million.

Meaning that N15 million invested in GTCO would have grown to over N2 billion and then would have given a dividend of about N180 million in 2024.


As earlier said real estate is the best option for the majority of people.

But if you invest in the stock market with knowledge, you will do better

emmanuelewumi:
I think it is stock oooo


Make sure the stock has a return on Invested capital of over 40%.

N1 million invested in the IPO of GTCO in 2001 of is now worth over N135 million

N1 million invested in the IPO of Okomu is worth N480 million

N1 million invested in the IPO of Presco about 20 years ago is worth over N285 million

Before you talk about devaluation.

N1 million in 2001 is worth just $10,000 currently valued at about N15 million.


Okomu was listed in 1991 while Presco was listed in 2002

This is noise to the monkey hunters gang!

All the monkey hunting gang wanna hear is how to make 100% in 1 month.

HesInMe:
Bros, rest small na. Your stock and self-promotion are endless! You're like that mosquito inside my bed net that keeps buzzing and I can't kill because I can't see in the dark.

With respect, give it a break. Or take a sabbatical like you did after Chams. We will survive.

LWkD..The audio and gang just discovered him.What work does reno do for apc presently .

emmanuelewumi:
Meaning that N15 million invested in GTCO would have grown to over N2 billion and then would have given a dividend of about N180 million in 2024.


As earlier said real estate is the best option for the majority of people.

But if you invest in the stock market with knowledge, you will do better

WITH KNOWLEDGE 💯

zendi:
Or, is Japaul in possession of a vast, geologically confirmed gold deposit anywhere, right now, waiting for the comencement of mining?

Yes.

I even heard Jaypaulwood even have diamond deposit in their mine!

Just laughing away in Chinese

Real estate in major cities like Lagos and Abuja typically offers rental yields of around 6% to 10% per year, plus annual price appreciation of about 10% to 15%. In emerging areas, land banking can bring 15% to 25% growth annually, while commercial real estate and joint venture projects can reach 15% or more. Short-term rentals, such as Airbnb-style units, sometimes deliver 12% to 20% yearly returns, though they require more active management. Real estate is a tangible, inflation-resistant asset that can be leveraged, but it is illiquid, requires high upfront capital, and comes with maintenance and regulatory costs.

The Nigerian stock market has been one of the best-performing globally in recent years. The All-Share Index gained about 50% in 2020, 20% in 2022, 45.9% in 2023, and 37.7% in 2024. Individual stocks like Fidelity Bank and UBA have delivered extraordinary returns—over 500% and 375% respectively in the last five years—excluding dividends. Stocks are liquid, easy to enter with small amounts of capital, and can provide both dividends and capital gains. However, they are highly volatile and can be affected by macroeconomic and policy shifts.

In the short term, stocks tend to offer the possibility of much higher returns, sometimes doubling in a year, but with significant risk. In the medium to long term, real estate offers more stability and consistent growth through rental income and property value appreciation, while stocks still have the potential to outperform but with more volatility.

For most investors, a balanced approach using real estate for stability and stocks for growth can be the best way to benefit from both worlds.

emmanuelewumi:
Meaning that N15 million invested in GTCO would have grown to over N2 billion and then would have given a dividend of about N180 million in 2024.


As earlier said real estate is the best option for the majority of people.

But if you invest in the stock market with knowledge, you will do better

You with Billions of naira is teaching those with one million naira annual compounding with dividend paying stocks when the opportunity to make it big in one month is here.
Well anyone who fails to make quick money now will not make it again.
I wonder how Loco will prefer dividend to capital appreciation.

Ego mbute ka anyi nacho nwa nne.

Locotrader:
You with Billions of naira is teaching those with one million naira annual compounding with dividend paying stocks when the opportunity to make it big in one month is here.
Well anyone who fails to make quick money now will not make it again.
I wonder how Loco will prefer dividend to capital appreciation.

Ego mbute ka anyi nacho nwa nne.

I guess you just jumped into the conversation

He talked about a plot of land bought for N15 million and now selling for N500 million

And I also said if that same N15 million was used for GTCO iPO, it will be worth over N2 billion and gotten a dividend of N180 million in 2024

EDUECO:
This is noise to the monkey hunters gang!

All the monkey hunting gang wanna hear is how to make 100% in 1 month.

I hope you are not trying to be like Pa Emma the great investor of our time.

No matter how you do,you can't be like him.He is a Billionaire.
Are you a Billionaire?
You and streetman should re arrange your thoughts and align yourselves to hot money which you can use to join Pa Emma later.
You are still young to behave like old man.

emmanuelewumi:
I guess you just jumped into the conversation

He talked about a plot of land bought for N15 million and now selling for N500 million

And I also said if that same N15 million was used for GTCO iPO, it will be worth over N2 billion and gotten a dividend of N180 million in 2024

Na this Locodemy people dey call Ogu-ego(ritual money)!

Is like a house you built in 2001 with ₦15 million now gave you a house rent of ₦180 million in 2024. Isn't this wonderful?

emmanuelewumi:
I guess you just jumped into the conversation

He talked about a plot of land bought for N15 million and now selling for N500 million

And I also said if that same N15 million was used for GTCO iPO, it will be worth over N2 billion and gotten a dividend of N180 million in 2024

A bank is more likely to pursue a person with real estate worth ₦500 million with a business loan than someone with ₦2 billion worth of GTCO shares, as long as the former has perfected their title deeds.

Locotrader:
I hope you are not trying to be like Pa Emma the great investor of our time.

No matter how you do,you can't be like him.He is a Billionaire.
Are you a Billionaire?
You and streetman should re arrange your thoughts and align yourselves to hot money which you can use to join Pa Emma later.
You are still young to behave like old man.

I'm a young man with an old man's head on his shoulder.

With my value investing/margin of safety approach,I am sure of compounding my investment by at least 50% annually.

By 2065,I would have become a billionaire in U$ dollars. By slow and steady method, I know I will win the money race.

thebargainhunte:
A bank is more likely to pursue a person with real estate worth ₦500 million with a business loan than someone with ₦2 billion worth of GTCO shares, as long as the former has perfected their title deeds.

I have heard you.

It takes 48 hours or less to have your loan approved if you have N2 billion worth of GTCO shares. I have even gotten my loans approved in less than 12 hours

The bank will revalued your so called N500 million property to N250 million to N300 million and can take 4 months and above to perfect placing a lien on the property. The types of property they will accept are also location specific

EDUECO:
Na this Locodemy people dey call Ogu-ego(ritual money)!

Is like a house you built in 2001 with ₦15 million now gave you a house rent of ₦180 million in 2024. Isn't this wonderful?

Don't deceive yourself
Tell me where the house is.
Pa Emma is even thinking how to respond to you on this big lie.
I have a 24 room apartment built in 2020.I am not even enjoying what I am seeing as proceeds.

I have told you to leave compounding for pa Emma and join hot money

thebargainhunte:
A bank is more likely to pursue a person with real estate worth ₦500 million with a business loan than someone with ₦2 billion worth of GTCO shares, as long as the former has perfected their title deeds.

The bank will surely go with GTCO shares because it is easier and faster to sell shares than to sell a landed property!

I know of people that bought a land #50 per plot in 70's that the same plot of land worth over 50 million naira now.

EDUECO:
I'm a young man with an old man's head on his shoulder.

With my value investing/margin of safety approach,I am sure of compounding my investment by at least 50% annually.

By 2065,I would have become a billionaire in U$ dollars. By slow and steady method, I know I will win the money race.

easy bro

Locotrader:
Don't deceive yourself
Tell me where the house is.
Pa Emma is even thinking how to respond to you on this big lie.
I have a 24 room apartment built in 2020.I am not even enjoying what I am seeing as proceeds.

I have told you to leave compounding for pa Emma and join hot money

The GTCO shares bought for ₦15 million is like a house because it gave a rent( a dividend) of ₦180 million in 2024.

Na only money doubling game you sabi!

You guys are funny sha comparing N2 billion worth of GTB shares that is quoted on NGX and London Stock Exchange that gave a dividend of N180 million in 2024 with a property of N500 million that will probably struggled. to generate a rental income of N30 million per annum

If you said a bank will prefer a N500 million property to N2 billion worth of Ellah Lakes shares, I will agree with you

Zegra:
easy bro

Bro.,I'm on a long term game; it is a 40 years investment journey starting from 2025 till 2065.

By 2065,the number of billionaires in US Dollars in Nigeria will be more than 200

It is a slow and steady investment voyage.

Real estate is great for stability, but it’s not always the automatic best choice. The numbers don’t lie — if someone had put ₦15 million into GTCO at the right time, that investment could now be worth over ₦2 billion, paying ₦180 million in dividends this year alone.

The truth is, real estate grows steadily, but stocks — when approached with skill and patience — can grow explosively. The difference is knowledge. In property, you mostly ride the market wave. In stocks, you can pick your wave.

So for most people without the time or interest to learn, yes — real estate might be safer. But for those willing to study the market, diversify, and play the long game, the stock market can make real estate returns look like pocket change.

emmanuelewumi:
Meaning that N15 million invested in GTCO would have grown to over N2 billion and then would have given a dividend of about N180 million in 2024.


As earlier said real estate is the best option for the majority of people.

But if you invest in the stock market with knowledge, you will do better

emmanuelewumi:
You guys are funny sha comparing N2 billion worth of GTB shares that is quoted on NGX and London Stock Exchange that gave a dividend of N180 million in 2024 with a property of N500 million that will probably struggled. to generate a rental income of N30 million per annum

If you said a bank will prefer a N500 million property to N2 billion worth of Ellah Lakes shares, I will agree with you

I get your point, but the comparison is not as straightforward as it looks.

Yes, N2 billion worth of GTCO shares paying N180 million in dividends in 2024 is fantastic on paper — that’s a 9% yield in one year, not counting potential capital gains. But you have to remember:

Market volatility – Share prices can swing sharply. A bad earnings year or a market downturn can cut both your capital value and dividends in half. Property values usually don’t crash that quickly in Nigeria unless there’s a major crisis.

Dividend policy is not guaranteed – GTCO paying that much in 2024 doesn’t mean it will keep paying at the same rate forever. Companies can reduce or suspend dividends in tough years.

Property income is relatively stable – While a N500 million property earning N30 million/year may seem small compared to N180 million dividends, rental income tends to be more predictable, and you can index rent to inflation over time.

Leverage & collateral – Banks will almost always prefer real estate as collateral over shares, because they can repossess and sell it in the open market without worrying about share liquidity or price drops.

In short, stocks can give you higher returns if you pick the right ones and time the market well, but real estate gives you more stability, collateral value, and inflation protection. It’s less about which is better and more about which risk profile you’re willing to live with.

So here’s the rub: in the short run, stocks can turn a modest investment into something big, fast—but they can also burn you just as quickly. Real estate, on the other hand, tends to move slower but steadier, building wealth over time.

That’s why many smart investors don’t marry just one—they use real estate as their rock and stocks as their rocke

megawealth01:
Real estate in major cities like Lagos and Abuja typically offers rental yields of around 6% to 10% per year, plus annual price appreciation of about 10% to 15%. In emerging areas, land banking can bring 15% to 25% growth annually, while commercial real estate and joint venture projects can reach 15% or more. Short-term rentals, such as Airbnb-style units, sometimes deliver 12% to 20% yearly returns, though they require more active management. Real estate is a tangible, inflation-resistant asset that can be leveraged, but it is illiquid, requires high upfront capital, and comes with maintenance and regulatory costs.

The Nigerian stock market has been one of the best-performing globally in recent years. The All-Share Index gained about 50% in 2020, 20% in 2022, 45.9% in 2023, and 37.7% in 2024. Individual stocks like Fidelity Bank and UBA have delivered extraordinary returns—over 500% and 375% respectively in the last five years—excluding dividends. Stocks are liquid, easy to enter with small amounts of capital, and can provide both dividends and capital gains. However, they are highly volatile and can be affected by macroeconomic and policy shifts.

In the short term, stocks tend to offer the possibility of much higher returns, sometimes doubling in a year, but with significant risk. In the medium to long term, real estate offers more stability and consistent growth through rental income and property value appreciation, while stocks still have the potential to outperform but with more volatility.

For most investors, a balanced approach using real estate for stability and stocks for growth can be the best way to benefit from both worlds.

IyaTola:
I get your point, but the comparison is not as straightforward as it looks.

Yes, N2 billion worth of GTCO shares paying N180 million in dividends in 2024 is fantastic on paper — that’s a 9% yield in one year, not counting potential capital gains. But you have to remember:

Market volatility – Share prices can swing sharply. A bad earnings year or a market downturn can cut both your capital value and dividends in half. Property values usually don’t crash that quickly in Nigeria unless there’s a major crisis.

Dividend policy is not guaranteed – GTCO paying that much in 2024 doesn’t mean it will keep paying at the same rate forever. Companies can reduce or suspend dividends in tough years.

Property income is relatively stable – While a N500 million property earning N30 million/year may seem small compared to N180 million dividends, rental income tends to be more predictable, and you can index rent to inflation over time.

Leverage & collateral – Banks will almost always prefer real estate as collateral over shares, because they can repossess and sell it in the open market without worrying about share liquidity or price drops.

In short, stocks can give you higher returns if you pick the right ones and time the market well, but real estate gives you more stability, collateral value, and inflation protection. It’s less about which is better and more about which risk profile you’re willing to live with.

Can you tell me when GTCO cut dividend Since it was listed in 2001?

As a matter of fact that dividend paid last year by GTB is 200% higher than what was paid 10 years ago.

Invest in companies that are market leaders, that are highly efficient, quality earning, above average Return on Invested Capital, that has moat, dividend paid is 80% or less of their Free Cash Flow., quality stocks that can withstand economic challenges

Unfortunately most of what we buy here are junks, please pardon my language

emmanuelewumi:
You guys are funny sha comparing N2 billion worth of GTB shares that is quoted on NGX and London Stock Exchange that gave a dividend of N180 million in 2024 with a property of N500 million that will probably struggled. to generate a rental income of N30 million per annum

If you said a bank will prefer a N500 million property to N2 billion worth of Ellah Lakes shares, I will agree with you

How do you expect folks who only invest in Ellah lekos,universal insurance and royalex to know that GTCO or Zenith shares is superior to any real estate investment?

From 2005 till now,GTCO, Zenith,UBA and Access Bank have performed excellently in terms of earnings and dividends.

emmanuelewumi:
You can invest N10,000 in a stock and start earning dividends that will be paid into your bank account immediately, another person can invest N30 million in real estate and yet can't start earning rental income from it

That is why l like dividend stocks,you can even start with ₦1000;but you cannot buy a piece of land with ₦1000.