₦airaland Forum

emmasoft:
@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

LadyCaplin:
Thank you so much.

I will do my research on the fund you stated and yes my investment aim is to hedge against inflation, long term.

Will revert if i need any further clarification.

Thank you once again.

emmatony:
Please, I would like to seek some advice. I own a twin two-bedroom flat. After calculating the potential returns from selling the house and investing the money in a money market fund (MMF), I realized it would yield much better returns than the rent I currently receive. Do you think it’s advisable to sell the house and invest the money instead, so I can have peace of mind and avoid tenant issues?

keeper303:
The problem with this type of scenario is that one cannot give you a concrete and definite answer. If the rent payable now is meagre, what of when rents increase in future. The same question applies to MMF. For now, interest on MMM is high but reducing as a result of fall in inflation figures. What happens in future if MMF rate reduces to 3% per annum? So you see, your question does not have a definite answer.

emmatony:
Please, I would like to seek some advice. I own a twin two-bedroom flat. After calculating the potential returns from selling the house and investing the money in a money market fund (MMF), I realized it would yield much better returns than the rent I currently receive. Do you think it’s advisable to sell the house and invest the money instead, so I can have peace of mind and avoid tenant issues?

keeper303:
The problem with this type of scenario is that one cannot give you a concrete and definite answer. If the rent payable now is meagre, what of when rents increase in future. The same question applies to MMF. For now, interest on MMM is high but reducing as a result of fall in inflation figures. What happens in future if MMF rate reduces to 3% per annum? So you see, your question does not have a definite answer.

bassdow:
in addition to what's said by @keeper303 , would love to remind us that, Real Estate constantly increases in value almost on daily basis hhence you could collect rent for 10-years and end up putting it up for sale for 500,000 naira BUT if for instance you weren't quick to get a buyer, the value could have increased by then so much you might even have to change the price to 700,000 naira and counting. Mind you, the rentage fees (which never goes down) ain't even included sef.

Bottom line is, if you never build, don't invest heavily like that BUT if you already did, selling it off wouldn't be wise at all.

emmatony:
Please, I would like to seek some advice. I own a twin two-bedroom flat. After calculating the potential returns from selling the house and investing the money in a money market fund (MMF), I realized it would yield much better returns than the rent I currently receive. Do you think it’s advisable to sell the house and invest the money instead, so I can have peace of mind and avoid tenant issues?

Donbrig:
Selling a house to invest in any mutual fund or any other asset is a big mistake, properties are the real investments, no matter how low the rentage might be at the moment.. that's why it is called REAL-ESTATE, the only real asset you can control..

Every other asset like bonds, stocks, treasury bills or mutual funds are all in electronic format, meaning anything could happen or go wrong anytime and everything would be wiped out within minutes.. Like wars, professional hackers or bad goverment policies. Unlike properties where you can dictate what and what happens to your assets, no matter what happens.

Most wealthy people have huge portion of their wealth in properties, even if they aren't earning much from these properties, because properties are the only asset they can control themselves, other assets or investments are mainly influenced by goverments or global politics.

Donbrig:
Selling a house to invest in any mutual fund or any other asset is a big mistake, properties are the real investments, no matter how low the rentage might be at the moment.. that's why it is called REAL-ESTATE, the only real asset you can control..

Every other asset like bonds, stocks, treasury bills or mutual funds are all in electronic format, meaning anything could happen or go wrong anytime and everything would be wiped out within minutes.. Like wars, professional hackers or bad goverment policies. Unlike properties where you can dictate what and what happens to your assets, no matter what happens.

Most wealthy people have huge portion of their wealth in properties, even if they aren't earning much from these properties, because properties are the only asset they can control themselves, other assets or investments are mainly influenced by goverments or global politics.

emmatony:
Please, I would like to seek some advice. I own a twin two-bedroom flat. After calculating the potential returns from selling the house and investing the money in a money market fund (MMF), I realized it would yield much better returns than the rent I currently receive. Do you think it’s advisable to sell the house and invest the money instead, so I can have peace of mind and avoid tenant issues?

emmasoft:
You can sell a property to buy a better property, especially when location is considered
You can use the gains from property to buy liquid assets like MMF, Bonds, or stocks
You can sell liquid assets like MMF/stocks to buy property

But never sell a property to buy a liquid asset like MMF or stocks, it's risky

But if you are a realtor or your business is real estate, ie, buying and selling of property, you can sell property at will since that is how you earn.

Just saying it as I see it o.

emmatony:
Please, I would like to seek some advice. I own a twin two-bedroom flat. After calculating the potential returns from selling the house and investing the money in a money market fund (MMF), I realized it would yield much better returns than the rent I currently receive. Do you think it’s advisable to sell the house and invest the money instead, so I can have peace of mind and avoid tenant issues?

Neurotika:
Location matters. If the property is in a growth area or selling wouldn’t release meaningful capital (roughly 40m or more), it’s better to hold. But if it’s in a slow market where prices haven’t doubled in the last 5 years; the buyer’s offer is well above market value; and even after stress-testing (say MMF at 10%) the yield still beats your rental income by about 20% or more…then selling makes sense. Use part to buy land in a better location and invest the rest in MMF.

emmatony:
Please, I would like to seek some advice. I own a twin two-bedroom flat. After calculating the potential returns from selling the house and investing the money in a money market fund (MMF), I realized it would yield much better returns than the rent I currently receive. Do you think it’s advisable to sell the house and invest the money instead, so I can have peace of mind and avoid tenant issues?

A305:
Chief, let me break it down, and after I finish, if you don't understand. Ask question, let me clarify.



In real estate, house built on the land isn't the investment, the investment is the land itself. House built on it (rent) is just for passive income. You will only cash out the real value of the land appreciation after you sold off the property.

Most people don't get to recoup money used in buying land and building house on it just from rent, however, they can recoup quickly when they sell outright.

What you have in your possession is an ASSET that will bullet you even if Nigeria financial system collapses.

We investing in mutual funds and not having landed property is very risky because the day Nigeria Government begin to default on loans like Tbills, Bonds, OMO and Eurobond.


The panic will cause people to start withdrawing their investment and if that happens, Banks will prevent it by not paying because they can't pay everyone at once and Government needs liquidity because they wouldn't want to print more money, it will worsen inflation.

Stock market will collapse overnight.

So they (the government) will seize our MMF money, Seize, Tbills money and default on other loans. (Even the U.S seized it's citizen gold when it came to times like this during the great depression.)

The only people that will be saved will be long term bonds holders and OMO holders, why?

Because Government already took their money, they will only refinance it.


By then, we the MMF or Tbills investors prayer point will be, "oh Lord, let Nigeria economy stabilizes so we get our capital back without interest" lol

Actually, that was what happened in Greece before EU bailed it out.

Now, let's bring it home.

You sir, are a lucky man because when government seize our investment money, they can't come to seize your land.

By then you can sell your land using btc or USDT as transaction currency because Naira will be useless by then.

When you sell your land, you will Japa, it is then you will now understand the value of land property.


If you like my explanation, follow me on my YouTube channel where I break down finance and money related matters.

emmatony:
Thank you very much. I really appreciate your explanation. I think I will sell the house, use the money to buy land nearby, and invest the remaining amount. Please, what's your YouTube page name?

DAramis:
I feel like it is a hasty decision by you. you need to think it through before going ahead.

Should you decide, I wish you all the best in the business transaction.

sgtponzihater1:
I subscribed in Stanbic MMF since Friday, and its yet to reflect. Any help?

b3llo:
This was before you became an ambassador of Stanbic IBTC MMF.


a quick question now. What will happen to my invested money after 30 days in MMF?

emmatony:
Thank you very much. I may just hold on till January 2026, being that I am not under any financial stress at the moment. I will use this time to learn more about investments

sgtponzihater1:
Hello,

Maybe I can help can you rephrase your question please?

bassdow:
First thing first, the 30-days is just the number of days you wait else your interest would not be complete. That doesn't mean you can't deposit today and withdraw same day or the next or less than 20-days sef.

Now with regards to your question, the 30-days starts from the day of first Investment which is when you added the initial deposit.

if you deposit 5,000 naira on the first 1st
20,000 naira on the 25th
10,000 naira on the 28th,
you are free to withdraw on the 31st even if it's everything you are withdrawing. What's counting towards the 30-day is that very first one.
Hope I'm clear enough

Josipov:
Please I'm new here
A friend of mine referred me to this forum to find out about stanbic mmf
More than 400 pages to read
Please where do I start?
My kind of work barely afford me the time to visit any bank during work hours

emmatony:
Please, I would like to seek some advice. I own a twin two-bedroom flat. After calculating the potential returns from selling the house and investing the money in a money market fund (MMF), I realized it would yield much better returns than the rent I currently receive. Do you think it’s advisable to sell the house and invest the money instead, so I can have peace of mind and avoid tenant issues?

Donbrig:
Selling a house to invest in any mutual fund or any other asset is a big mistake, properties are the real investments, no matter how low the rentage might be at the moment.. that's why it is called REAL-ESTATE, the only real asset you can control..

Every other asset like bonds, stocks, treasury bills or mutual funds are all in electronic format, meaning anything could happen or go wrong anytime and everything would be wiped out within minutes.. Like wars, professional hackers or bad goverment policies. Unlike properties where you can dictate what and what happens to your assets, no matter what happens.

Most wealthy people have huge portion of their wealth in properties, even if they aren't earning much from these properties, because properties are the only asset they can control themselves, other assets or investments are mainly influenced by goverments or global politics.

b3llo:
please do.


After the first 30 days of investing my money in MMF, will the interest keep accruing or I have to reinvest?

Geofavor:
Hi, please what did you decide?

DAramis:
I feel like it is a hasty decision by you. you need to think it through before going ahead.

Should you decide, I wish you all the best in the business transaction.

chukzyfcbb:
I agree with everything you have said except the last point. Most wealthy people have most of their wealth tied up in equity and not properties.

Its the middle class that has most of their assets tied up in properties. I will upload the image when i find it, i think it was on Kalu Aja page some months back