₦airaland Forum

megawealth01:
Today's Top Volume Trades

Strategic accumulation or MM action in Linkage

Locotrader:
What are the rates?

FGN 364-day Treasury Bill: ~19% p.a., also safe, interest paid upfront via discount, higher yield than your FD.

FGN Savings Bonds: 2-year at 15.762% p.a., 3-year at 16.762% p.a., pay interest quarterly, tradable on NGX, lower yield than your FD.


Bottom line: Your FD is safer than stocks and beats the Savings Bond yield, but a 364-day Treasury Bill currently pays more (~19%) with the same low risk.

megawealth01:
You mean 10m?

If I put 30m for japul my ancestors go slap me for dream

yMcy56:
In still trying to get how to navigate thru the site but it's looking complex to me
It's not very simple like NL threads, maybe it's because I'm used to NL, could be much simpler than NL eventually.

I sincerely wish we could all migrate there to develop the site.
Any success with inviting Oga Wanaj0 and Oga Oracle?

Wanajo has registered but not with his old moniker

yMcy56:
In still trying to get how to navigate thru the site but it's looking complex to me
It's not very simple like NL threads, maybe it's because I'm used to NL, could be much simpler than NL eventually.

I sincerely wish we could all migrate there to develop the site.
Any success with inviting Oga Wanaj0 and Oga Oracle?

I would have the mobile issue fixed in a few days. Need to write customer care

Locotrader:
Na now you come.
To get traffic,make sure it accommodates Jijo.
Na the only thing boys use dey cover up now.Na the only yahoo yahoo wey dey on ground now be that

Everybody is welcome so long it's investment related.

I plan on having a crypto thread as well. Because it's segmented people can ignore whatever they are not interested in.

BabsO2:
I am waiting to see how low ELLAH will come down back to. I will rather take more bets on ELLAH at N9 or N10 (as speculative investment biased speculator) should it fall back that low (or N12 sef). I have very old leftover Japaul will ride that should Jegede play the game or not play the game. There is a chance he won't.

I'm waiting to see Q2 result. There is no rush

nosa2:
Everybody is welcome so long it's investment related.

I plan on having a crypto thread as well. Because it's segmented people can ignore whatever they are not interested in.

I'll gladly flow with the CRYPTO THREAD. I'M A CRYPTO ENTHUSIAST

Let’s break it down clearly.

1️⃣ What you’re proposing

You pull ₦100,000,000 out of the stock market.

You put it in a Wema ALAT Fixed Deposit for 365 days at 17.75% p.a.

Interest is paid upfront.

WHT (Withholding Tax) on interest is 10%.

After tax, you’ll receive ₦15,756,000 as your full year’s interest in advance.

2️⃣ Math check

Gross interest: ₦100,000,000 × 17.75% = ₦17,750,000

Less 10% WHT: ₦17,750,000 × 10% = ₦1,775,000

Net interest: ₦17,750,000 – ₦1,775,000 = ₦15,975,000 (Your figure ₦15,756,000 is close — likely their compounding/rounding).

Effective net yield: ~15.76% for the year.

3️⃣ Pros
✅ Capital safety (low risk compared to stocks, assuming Wema remains stable & insured under NDIC up to their limit).
✅ Upfront interest means you can reinvest or use it immediately.
✅ Predictable returns — no market volatility.
✅ Ideal if you believe stocks will underperform in the next 12 months.

4️⃣ Cons
⚠ Opportunity cost — If the stock market returns more than ~15.76% net over the year, you’d have earned more staying invested.
⚠ Inflation risk — If inflation is higher than your return, you’re losing purchasing power in real terms.
⚠ Liquidity lock — Your principal is tied up for 365 days unless you break the fixed deposit (which usually means forfeiting part of the interest).
⚠ Bank risk — While Nigerian banks are regulated, they’re not risk-free. For ₦100M, NDIC cover won’t protect all your funds (only ₦5M is insured).

5️⃣ Market context right now
If NGX or specific blue-chip stocks could give you >16% net in 12 months (capital gains + dividends), leaving could be less optimal.
But if you expect volatility, political/economic uncertainty, or possible losses in the stock market, a fixed deposit is a safe-haven play.

If your main goal is capital preservation + guaranteed income, this is a solid move.
If your goal is wealth growth and you believe in the stocks you hold, then locking ₦100M at ~15.76% might underperform compared to equity returns — but it removes all short-term risk.

Locotrader:
I want to take away 100m off from the market and lock it in Wema-Alat fixed deposit for 365 days.
I want to take the interest upfront.
After deducting the 10%,I will receive 15,756,000 as interest for 12 months.

Is this a wise decision since I don't want to keep it in the stock market?

17.75% per anum

Pls make Una put mouth

Locotrader:
What are the rates?

Current TB rates are between 15%-16.5%.

Same with savings bond
15.7%-16.7% though for 2-3yrs.
(Not 12 months.)

The only area higher than your Wema-alert are FGN bonds(19%-20%)and they are longer tenor--5yrs+

Or Ponzi

nosa2:
This platform is wild! It's either you guys are just mentioning BS trades or you guys are some of the craziest speculators in any stock market.

People are bullish on japul because they want to massively dilute shareholders! That's some real crazy reasoning

Lol.. On the contrary, isn't it the reason they are bullish?..to help the company reduce dilution effect with a more reduced issued-OS by anticipating potential price increase

Loco, use the money to buy presco if you are very risk averse, presco will close the year atleast at 2k with atleast 50 dividend.

Fixed income can never beat inflation in the next 5 Months.

yMcy56:
In still trying to get how to navigate thru the site but it's looking complex to me
It's not very simple like NL threads, maybe it's because I'm used to NL, could be much simpler than NL eventually.

I sincerely wish we could all migrate there to develop the site.
Any success with inviting Oga Wanaj0 and Oga Oracle?

MOBILE VIEW SORTED.

I've finally fixed the mobile view. Please let me know what you think

nosa2:
If I put 30m for japul my ancestors go slap me for dream

🤣🤣

For THOSE that don't know TRENDS
OANDO, TRANSCORP & JAPUAL prices goes in pari-passu

OANDO rises from all time low of N1. 98k to N98

TRANSCORP rise from all time low of 49k to N20 PRE-RECONSTRUCTION.

Likewise let's EXPECT JAPUAL to rise from all time low of 20k to circa #15 PRE-RECONSTRUCTION..

Better to FOLLOW the MONEY BAGS than be DISTRACTED by ANALYSIS PARALIPSIS.

Note. JAPAUL once traded @t #15


BARGAIN HUNTERS TAKE NOTE!

BabsO2:
I am waiting to see how low ELLAH will come down back to. I will rather take more bets on ELLAH at N9 or N10 (as speculative investment biased speculator) should it fall back that low (or N12 sef). I have very old leftover Japaul will ride that should Jegede play the game or not play the game. There is a chance he won't.

Sorry to burst your bubble about Ellah but not going lower than 13 at worst before resuming rally

The new Access bank MM investment is doing 21% for full year at the fund range you have. do check it out

Locotrader:
I want to take away 100m off from the market and lock it in Wema-Alat fixed deposit for 365 days.
I want to take the interest upfront.
After deducting the 10%,I will receive 15,756,000 as interest for 12 months.

Is this a wise decision since I don't want to keep it in the stock market?

17.75% per anum

Pls make Una put mouth

ceelog:
The new Access bank MM investment is doing 21% for full year at the fund range you have. do check it out

I have enquired.
Not up to that.
Why I prefer Wema bank to other higher yields.
1. My money is accessible at Dashboard.I can monitor the progress without going to the bank.

2. Self service feature is enabled.In less than 2 minutes,I am done and the upfront interest paid within minutes.

3. I can use my principal to get what is called goal based loan at reduced rates even though the fund is locked for 365 days.

Thank you

IyaTola:
Let’s break it down clearly.

1️⃣ What you’re proposing

You pull ₦100,000,000 out of the stock market.

You put it in a Wema ALAT Fixed Deposit for 365 days at 17.75% p.a.

Interest is paid upfront.

WHT (Withholding Tax) on interest is 10%.

After tax, you’ll receive ₦15,756,000 as your full year’s interest in advance.

2️⃣ Math check

Gross interest: ₦100,000,000 × 17.75% = ₦17,750,000

Less 10% WHT: ₦17,750,000 × 10% = ₦1,775,000

Net interest: ₦17,750,000 – ₦1,775,000 = ₦15,975,000 (Your figure ₦15,756,000 is close — likely their compounding/rounding).

Effective net yield: ~15.76% for the year.

3️⃣ Pros
✅ Capital safety (low risk compared to stocks, assuming Wema remains stable & insured under NDIC up to their limit).
✅ Upfront interest means you can reinvest or use it immediately.
✅ Predictable returns — no market volatility.
✅ Ideal if you believe stocks will underperform in the next 12 months.

4️⃣ Cons
⚠ Opportunity cost — If the stock market returns more than ~15.76% net over the year, you’d have earned more staying invested.
⚠ Inflation risk — If inflation is higher than your return, you’re losing purchasing power in real terms.
⚠ Liquidity lock — Your principal is tied up for 365 days unless you break the fixed deposit (which usually means forfeiting part of the interest).
⚠ Bank risk — While Nigerian banks are regulated, they’re not risk-free. For ₦100M, NDIC cover won’t protect all your funds (only ₦5M is insured).

5️⃣ Market context right now
If NGX or specific blue-chip stocks could give you >16% net in 12 months (capital gains + dividends), leaving could be less optimal.
But if you expect volatility, political/economic uncertainty, or possible losses in the stock market, a fixed deposit is a safe-haven play.

If your main goal is capital preservation + guaranteed income, this is a solid move.
If your goal is wealth growth and you believe in the stocks you hold, then locking ₦100M at ~15.76% might underperform compared to equity returns — but it removes all short-term risk.

Thank you for this detailed analysis.
I picked some points here to enable me continue with Wema bank as I stated above

Locotrader:
What are the rates?

Microfinance banks have higher yield but the risk is higher. Renmoney Microfinance bank interest rate is 22.3%. the upfront yield is #40M

12 months is 20.72% and the yield.s 18.6 million.

Locotrader:
We use liquidity dey buy every stock.
We use liquidity dey exit every stock.
If you wan learn,let me know.
If you are waiting to see Loco trapped in the market,you are in another world.

Oga loco, abeg dey share more on your strategy so we can also learn, I dont know wetin I go use pay you that will be enough but I go sincerely dey grateful.

As you dey give fish, dey teach us fishing too biko

SonofElElyonRet:
Sorry to burst your bubble about Ellah but not going lower than 13 at worst before resuming rally

Na real crypto

Revenue of about N70 million for 9 months

ojeysky:
Attached is the result please where did you get the annualized info? Also can you try not to be insulting, this thread is not just to talk, and declare but to validate, educate and learn

My apologies if the phrase felt insulting. It was far from my intention sir. EPS is calculated from Earnings Divided by OS
OS = 39,605,421,535.00
Profit from your attachment = 41,191,937,000
Earnings / OS = 41,191,937,000 / 39,605,421,535.00

= 1.04 for 3 months
Annualized = 3months x 4 = 1.04 x4 = 4.17 approximately sir.

I pray and sincerely hope you have been educated.

Your apology is accepted even if you do not give one.

My apologies for having made you feel insulted. Again, it wasn’t my intention sir.

Engrblessing:
Microfinance banks have higher yield but the risk is higher. Renmoney Microfinance bank interest rate is 22.3%. the upfront yield is #40M

Hmmm.
If I play junk stocks
I go come play another junk for savings?
Another high risk investment

Omoluabi! I love your response sir. God bless you.

aj8:
My apologies if the phrase felt insulting. It was far from my intention sir. EPS is calculated from Earnings Divided by OS
OS = 39,605,421,535.00
Profit from your attachment = 41,191,937,000
Earnings / OS = 41,191,937,000 / 39,605,421,535.00

= 1.04 for 3 months
Annualized = 3months x 4 = 1.04 x4 = 4.17 approximately sir.

I pray and sincerely hope you have been educated.

Your apology is accepted even if you do not give one.

My apologies for having made you feel insulted. Again, it wasn’t my intention sir.

Jijo legend! Jijo specialist for stock! Try jijo with microfinance na. It may beat your expectations

Lead the way as usual make we follow you.

Locotrader:
Hmmm.
If I play junk stocks
I go come play another junk for savings?
Another high risk investment

Has anyone received Living trust mortgage bank dividend?

emmanuelewumi:
Revenue of about N70 million for 9 months

faoogoke:
Jijo legend! Jijo specialist for stock! Try jijo with microfinance na. It may beat your expectations

Lead the way as usual make we follow you.

Oga Loco no wan risk this one to avoid story that touches the heart.

emmanuelewumi:
Revenue of about N70 million for 9 months

The numbers on the table is wonderful. We wait for full yr this month. When are they even coming to raise the 250billion. Or my bad thr gang said they already have the fund on ground..lol