₦airaland Forum

Alaska90:
Apart from Meristen, please can anyone recommend another SEC regulated mutual funds with a very good and functional dashboard like Meristem Wealthbuddy app?

You can also go with Stanbic, First Ally

Research brought me here.. greetings everyone

emmasoft:
You can also go with Stanbic, First Ally

Well done Mr Emma

Invest no matter how little you have

Odunharry:
Well done Mr Emma

Thank you, I appreciate you too.

leocollins:
Research brought me here.. greetings everyone

You're welcome. feel free to ask questions

leocollins:
Research brought me here.. greetings everyone

Your research has brought you to the right place. If what you are looking for is about investing in low-risk investment windows, such as mutual funds, particularly money market fund, stay glued here. I will advise you to take time to read some previous pages while here.

Also, as you are doing your research, make sure you set your investment objective. This will also guide you on what to concentrate on and how, and what to invest in.

Stanbicibtcmutual should increase their referral amt. It's discouraging.

Samchi4christ:
Stanbicibtcmutual should increase their referral amt. It's discouraging.

I tried looking for the referral link abi code. I didn't see it. I convinced a big fish to invest and he did

emmasoft:
Your research has brought you to the right place. If what you are looking for is about investing in low-risk investment windows, such as mutual funds, particularly money market fund, stay glued here. I will advise you to take time to read some previous pages while here.

Also, as you are doing your research, make sure you set your investment objective. This will also guide you on what to concentrate on and how, and what to invest in.

Thank you very much my brother,am already going through the previous pages to get more understanding..I will ask questions when necessary.thanks

bassdow:
You're welcome. feel free to ask questions

Thanks my brother,I will.thanks

Thanks to stanbicibtcmutual funds I can now save as the rich, not like the poor or still use traditional savings plan

Samchi4christ:
Thanks to stanbicibtcmutual funds I can now save as the rich, not like the poor or still use traditional savings plan

My best decision so far

Good house.

Interest rate is really going down hence my question. For someone who has the mmf and want to take it a step further by adding another portfolio to the existing mmf. A per folio with a medium risk but will most likely yield over 20% annually. What will you recommend.

My oldies please come and share your wealth of experience.

Samchi4christ:
Thanks to stanbicibtcmutual funds I can now save as the rich, not like the poor or still use traditional savings plan

Honestly

Use the online registration using bluenest locate my signature

Gotocourt:
I tried looking for the referral link abi code. I didn't see it. I convinced a big fish to invest and he did

To grow in this market we need consistency, perseverance and focus. The inflation is lessen , we shall be experiencing drop in interest rate across board from treasury bills to savings interest. Nevertheless, keep investing rather than saving.

.

enemerci:
Good house.

Interest rate is really going down hence my question. For someone who has the mmf and want to take it a step further by adding another portfolio to the existing mmf. A per folio with a medium risk but will most likely yield over 20% annually. What will you recommend.

My oldies please come and share your wealth of experience.

Oga emmasoft, we need you here.

enemerci:
Good house.

Interest rate is really going down hence my question. For someone who has the mmf and want to take it a step further by adding another portfolio to the existing mmf. A per folio with a medium risk but will most likely yield over 20% annually. What will you recommend.

My oldies please come and share your wealth of experience.

I would recommend Mutual fund with stocks. There are a few of them on cowrywise. They carry a bit of risk but stocks is where people are circulating money to now.

So when you buy Stocks mutual funds, you essentially buying something like Nigeria Index/ETF. I would recommend the Afrinvest Equity fund on cowrywise.

Be warned, it's risky, but if you have the patience and appetite for risk. Go for it.

If you are older than 40 Years, remain here with us so we keep tracking MMF rates together. Don't attempt to go invest in any risky instrument. Rates are dropping, fine and good, that money you want to go use to buy medium risk instrument, throw it into MMF and have peace of mind, access to liquidity and compound interest.

The bolded statement is funny sha

A305:
I would recommend Mutual fund with stocks. There are a few of them on cowrywise. They carry a bit of risk but stocks is where people are circulating money to now.

So when you buy Stocks mutual funds, you essentially buying something like Nigeria Index/ETF. I would recommend the Afrinvest Equity fund on cowrywise.

Be warned, it's risky, but if you have the patience and appetite for risk. Go for it.

If you are older than 40 Years, remain here with us so we keep tracking MMF rates together. Don't attempt to go invest in any risky instrument. Rates are dropping, fine and good, that money you want to go use to buy medium risk instrument, throw it into MMF and have peace of mind, access to liquidity and compound interest.

playces:
Oga emmasoft, we need you here.

@enemerci, @playces, and others, my candid advice is to follow your investment objective. Investment is not only about the rate; other factors determine where, how, and what to invest in.

Some factors that determine where to investment:

Investment Objective
Risk tolerance
Age
Knowledge
Government policies
etc.

When rates are down and inflation is also decreasing, the value of your investment actually increases. The quantity may reduce but the quality increases.

For more on what I suggest, read my post on page 403 - STRATEGY TO WIN DURING LOW RATE REGIME

emmasoft:
STRATEGY TO WIN DURING LOW RATE REGIME

Low rate in the fixed....

Also consider a Real Estate Investment Trust (REIT); there are a few in Nigeria - SFSREIT, UPDCREIT, and UHOMREIT. If you don't have huge funds to buy physical property, a REIT is the best way to go if you want to enjoy rental income without owning a property...

Can you talk more on these please. Already sent email to them on how to go about it , but no reply from them.

And their website didn't provide any useful information. You can use a hypothetical sum like 100k naira to explain how it works (I don't know if it works like NTB or MMF)

DAramis:
Can you talk more on these please. Already sent email to them on how to go about it , but no reply from them.

And their website didn't provide any useful information. You can use a hypothetical sum like 100k naira to explain how it works (I don't know if it works like NTB or MMF)

Real Estate Investment Trusts (REITs) are mutual funds that have underlying assets only in real estate (properties) rentals/sales. Unlike the other mutual funds like MMF and Fixed income fund, REITs are a closed-ended mutual fund, ie, they have a specific number of units that are traded just like shares of listed companies, hence REITs are listed on the NGX, and so to participate, you will need to open a stock/cscs account. REITs are not like TBills in any way.

The returns are not fixed, hence I can not tell you what you will get if you invest, say, 100k or any amount. Their prices/value depend on market forces. Though the returns are not guaranteed, from experience, there is always a return on investment. Some, like UPDCREIT, pay dividends/distributions biannually. REIT is a good source of cash flow.

If you don't have much capital to get physical property, a REIT is the way to go.

To start investing in REITs, click the 3rd link in my signature to open an account for free. You don't need to contact the fund managers to invest in a REIT.

Once your account is opened, you can invest any amount as low as the amount for one unit of the REIT.

See Q3 results of SFSREIT as released today on the NGX

https://doclib.ngxgroup.com/Financial_NewsDocs/45208_SFS_REAL_ESTATE_INVESTMENT_TRUST-SFS_REIT_KEY_PERFORMANCE_METRICS_CORPORATE_ACTIONS_OCTOBER_2025.pdf

You can also reach out to me if you need further guidance on this, especially on the account opening process.

A305:
I would recommend Mutual fund with stocks. There are a few of them on cowrywise. They carry a bit of risk but stocks is where people are circulating money to now.

So when you buy Stocks mutual funds, you essentially buying something like Nigeria Index/ETF. I would recommend the Afrinvest Equity fund on cowrywise.

Be warned, it's risky, but if you have the patience and appetite for risk. Go for it.

If you are older than 40 Years, remain here with us so we keep tracking MMF rates together. Don't attempt to go invest in any risky instrument. Rates are dropping, fine and good, that money you want to go use to buy medium risk instrument, throw it into MMF and have peace of mind, access to liquidity and compound interest.

Thank you very much for this.

My concern with the mmf is this while your capital is safe good and fine the rates are now below the inflation rates.

Additionally, some persons are late starters maybe just got a good job at 40 or started giving birth at 40. Would you still advice such starters to stay with mmf.

For example some one want to put 50k monthly into equity for the next 20years for retirement at sixty. Remember he is starting at 40 and doesn't have anything thing for retirement till date. Is this a bad idea.

Or another person wants to put 100k into balance funds for the next 10years for the kids to be able to attend any university of choice. Just to give the kids quality education and he is also starting at 40. Would you consider this a not so good decision.

Lastly in the last 10 years has there been years where both the equity and balance funds performed worse than the mmf at the close of the year. Is it possible that at the end of 10/20years considering all the highs and lows and risks involved, that the mmf would have performed better than the equity or balanced funds

What would be your take on this and if you still recommend he or she sticks with mmf. Can you elaborate more on the why

Please forgive my multiple questions abi na interrogation. I am just looking for some factual answers. Thanks a million

Please my oldies multiple contributions would be appreciated. Thank you all.

emmasoft:
@enemerci, @playces, and others, my candid advice is to follow your investment objective. Investment is not only about the rate; other factors determine where, how, and what to invest in.

Some factors that determine where to investment:

Investment Objective
Risk tolerance
Age
Knowledge
Government policies
etc.

When rates are down and inflation is also decreasing, the value of your investment actually increases. The quantity may reduce but the quality increases.

For more on what I suggest, read my post on page 403 - STRATEGY TO WIN DURING LOW RATE REGIME

Thank you very much for this perspective on this matter. But considering all the factors i stated above and you are to advise such a person as your younger brother/sister. What would be your advice seeing that he is starting late and willing to take the risk to maximize both opportunity and time.

Thank you.

enemerci:
Thank you very much for this.

My concern with the mmf is this while your capital is safe good and fine the rates are now below the inflation rates.

Additionally, some persons are late starters maybe just got a good job at 40 or started giving birth at 40. Would you still advice such starters to stay with mmf.

For example some one want to put 50k monthly into equity for the next 20years for retirement at sixty. Remember he is starting at 40 and doesn't have anything thing for retirement till date. Is this a bad idea.

Or another person wants to put 100k into balance funds for the next 10years for the kids to be able to attend any university of choice. Just to give the kids quality education and he is also starting at 40. Would you consider this a not so good decision.

Lastly in the last 10 years has there been years where both the equity and balance funds performed worse than the mmf at the close of the year. Is it possible that at the end of 10/20years considering all the highs and lows and risks involved, that the mmf would have performed better than the equity or balanced funds

What would be your take on this and if you still recommend he or she sticks with mmf. Can you elaborate more on the why

Please forgive my multiple questions abi na interrogation. I am just looking for some factual answers. Thanks a million

Please my oldies multiple contributions would be appreciated. Thank you all.

Kindly understand One thing Very CLEAR
MMF is the safest because it preserves your capital. Issue is, the rates are not often high enough (Low risk, Low reward)

For someOne in their 20s annd early 30s, they can afford to loose their money (capital) and sttill be able to recover BECAUSE THEY STILL GOT TIME (many years ahead) hopefully.
Now imagine someone in their 40s and above, with all the (family) responsibilitiies, they need all the money they can get and can't afford loosing anything HENCE it's better they remain on an investment vehicle that ensures even if they earn little interests, their initial capital is always preserved.

That's what MMF is - You PRIORITY is not making huge returns overNight, BUT ensuring the money you invested remains intact.

enemerci:
Thank you very much for this.

My concern with the mmf is this while your capital is safe good and fine the rates are now below the inflation rates.

Additionally, some persons are late starters maybe just got a good job at 40 or started giving birth at 40. Would you still advice such starters to stay with mmf.

For example some one want to put 50k monthly into equity for the next 20years for retirement at sixty. Remember he is starting at 40 and doesn't have anything thing for retirement till date. Is this a bad idea.

Lastly in the last 10 years has there been years where both the equity and balance funds performed worse than the mmf at the close of the year. Is it possible that at the end of 10/20years considering all the highs and lows and risks involved, that the mmf would have performed better than the equity or balanced funds

What would be your take on this and if you still recommend he or she sticks with mmf. Can you elaborate more on the why

Please forgive my multiple questions abi na interrogation. I am just looking for some factual answers. Thanks a million

Please my oldies multiple contributions would be appreciated. Thank you all.

If you’re 40 now, investing 50k monthly in a mutual fund that gives a modest 11% will give you roughly 43m at 60. Well, I’m not sure that’s a safe number considering inflationary impact over that long time frame. You would still need to take on some risky assets regardless if you plan to have something substantial by then. The key is getting your portfolio mix right. You can’t avoid equities if you want significant capital gains over that long period. It’s not all doom and gloom for stocks in this clime anyway, because when you check the historical trend, the moving averages have been impressive. Just ensure you don’t put more than 30-40% of your portfolio in it and ensure they’re well diversified across viable sectors. Find undervalued penny stocks too and let capital gains do its thing. You’ll be fine….

enemerci:
Thank you very much for this perspective on this matter. But considering all the factors i stated above and you are to advise such a person as your younger brother/sister. What would be your advice seeing that he is starting late and willing to take the risk to maximize both opportunity and time.

Thank you.

@enemerci, with the scenarios you stated above, I want you to understand something, and kindly consider the following points below, which will give you more understanding of how Investment really works.

Investment is not a get-rich-quick scheme and does not operate in isolation. It moves in line with the economic realities of a country at any given time.

For example, in recent months, rates on fixed income instruments—including Money Market Funds (MMFs)—rose as high as 24%, while inflation peaked above 30%+ and the Monetary Policy Rate (MPR) was equally high. Now that inflation is easing and there’s a trend of rate cuts, MMF returns have naturally declined.
Investment outcomes follow macroeconomic trends, not personal timelines.

1. Investment Responds to Economic Realities, Not Age

Investment does not “know” your age; it responds to the economy. Some years back, TBills yielded as low as 3%, and any fixed-income instrument offering 6% was highly sought after. However, the purchasing power of the naira was stronger than compared to periods of higher yields with high inflation.

2. Investment Depends on Available Funds

Investment is not about making money instantly—it’s about setting aside money already earned/made to generate more.
For instance, someone starting at age 20 with ₦1 million can build steadily, while another starting at age 40 with ₦10 million can still achieve strong results. What truly grows wealth is the ability to earn more by creating more value—through better skills or expanded services.

3. Avoid Emotional Investing and Ponzi Schemes

Feeling like you’ve “lost time” can create a false sense of urgency, which often leads people into Ponzi schemes. High promised returns can look tempting, but genuine investment takes time and patience.

4. The Uncertainty of Future Returns

No one can predict exactly how an investment will perform in the future. Investors and professionals rely on available data, but only God truly knows the future. That’s why many investment products include the disclaimer:

“Past performance is not a guarantee of future returns.”

5. A Balanced Investment Approach

A sound strategy I would advise is to allocate your portfolio as follows:

60% in fixed income (e.g., MMFs, bonds, T-Bills)

40% in equities, focusing on fundamentally strong and dividend-paying stocks, with reinvestment of returns in place.

Also consider adding REITs (Real Estate Investment Trusts) for diversification.
While stocks carry more risk than MMFs, they remain the most viable and value-retaining investments globally. It's not as risky as it's been portrayed by novices and unlearned investors about equity investment. Why do you think Forbes evaluates billionaires primarily based on shareholdings?

6. Key Principle: I always say and advise investors to consider Return of Investment before Return on Investment

Always prioritize capital preservation before chasing high yields—especially as one nears retirement.

7. Final Thought

As a professional principle, it’s advisable to focus more on fixed-income and low-risk instruments as you approach retirement—all other things being equal.

Investment success requires patience, informed decisions, diversification, and an understanding of the economic climate. Long-term stability, not short-term excitement, creates real wealth.

I hope this helps

bassdow:
Kindly understand One thing Very CLEAR
MMF is the safest because it preserves your capital. Issue is, the rates are not often high enough (Low risk, Low reward)

For someOne in their 20s annd early 30s, they can afford to loose their money (capital) and sttill be able to recover BECAUSE THEY STILL GOT TIME (many years ahead) hopefully.
Now imagine someone in their 40s and above, with all the (family) responsibilitiies, they need all the money they can get and can't afford loosing anything HENCE it's better they remain on an investment vehicle that ensures even if they earn little interests, their initial capital is always preserved.

That's what MMF is - You PRIORITY is not making huge returns overNight, BUT ensuring the money you invested remains intact.

Thank you very much. I see your angle a lot better now

Neurotika:
If you’re 40 now, investing 50k monthly in a mutual fund that gives a modest 11% will give you roughly 43m at 60. Well, I’m not sure that’s a safe number considering inflationary impact over that long time frame. You would still need to take on some risky assets regardless if you plan to have something substantial by then. The key is getting your portfolio mix right. You can’t avoid equities if you want significant capital gains over that long period. It’s not all doom and gloom for stocks in this clime anyway, because when you check the historical trend, the moving averages have been impressive. Just ensure you don’t put more than 30-40% of your portfolio in it and ensure they’re well diversified across viable sectors. Find undervalued penny stocks too and let capital gains do its thing. You’ll be fine….

Honestly inflation is a solid and hence portfolio mix. I an definitely not giving up on mmf