₦airaland Forum

https://www.youtube.com/watch?v=AyPYUhD3ti0

A few stocks I'd be watching closely in this week's trading session.

Expanded a bit more in the audio version below.

https://open.spotify.com/episode/4qDEDyMcQiEUBo6DfSpUyg

leo1234:
Next year is for consumer goods followed by oil and gas.

Nothing dey next year

Agbalowomeri:
Nothing dey next year

What is the colour of your problem

leo1234:
What is the colour of your problem

Red

Plenty Better dey next year o.

Agbalowomeri:
Nothing dey next year

Retired & Extremely Deceitful? 🤔

Agbalowomeri:
Red

If only TOE will list just 10% of HH/HE
If only...

https://search.app/bK7E9

Agbalowomeri:
Red

Not even brown or
greenish-red or reddish-green.

KarlTom:
If only TOE will list just 10% of HH/HE
If only...

https://search.app/bK7E9

I suppose Transcorp has a share in virtually all his businesses. directly or indirectly.
Na to manage am

KarlTom:
If only TOE will list just 10% of HH/HE
If only...

https://search.app/bK7E9

What is the difference in what I read here and what oando is doing. If na oando name they mentioned here now ,wahala for dey.The loans are reserve based .The old loan are restructured too

KarlTom:
If only TOE will list just 10% of HH/HE
If only...

https://search.app/bK7E9

Afreximbnk is owned by Aliko, Wale and Tony.

Agbalowomeri:
Red

Seeing Green as Red calls for concern

The problem is that people often use ChatGPT like a drunken man uses a lamppost: more for support than for illumination. You need to engage with the substantive issues and the logic of the discussion.

ositadima1:
Maybe it’s ChatGPT, maybe it’s me, it doesn’t change the substance of the points made in my post. We’re not here to compete, and this isn’t an exam where using tools is considered cheating. What matters are the reasons presented and what they translate to in your portfolio.

So, once again, it doesn’t matter what you think of me or the source of my post. As long as the reasoning is sound, that’s what should be addressed.

Key Investment Principles for Smarter Financial Decisions

As we transition into 2026, it is important to reflect on the lessons from 2025. The year presented a mix of gains, missed opportunities, and learning moments. Many individuals began their investment journey, others consolidated existing portfolios, while some explored new asset classes.
The lessons from 2025 remind us that successful investing is not about luck or speculation, but about structure, knowledge, and consistency.

As we enter 2026, in about 10 days, investors are encouraged to move with clarity, discipline, and informed judgment.
This handout highlights core investment principles to guide decision-making in the year ahead.

1. Capital Preservation Comes First
The primary objective of investing is to protect your capital.
High returns are attractive, but they should never outweigh the importance of safety. Always understand the downside risk before committing funds.
Protect first, grow second.

2. Invest Only in What You Understand
You do not need to invest in everything.
Before investing, ensure you understand:
• How the investment works
• How returns are generated
• The risks involved
• How and when you can exit
Knowledge reduces costly mistakes.

3. Start with What You Have
You don’t need millions to begin investing. Start with your current capital and grow gradually.
• Small, consistent investments compound over time
• Mutual funds can help build capital toward larger goals like bonds or real estate
• Waiting too long can expose your money to inflation risk
Action beats delay.

4. Beware of Ponzi Schemes
Ponzi schemes exist in every market cycle. Be cautious of:
• Guaranteed or unusually high returns
• Pressure to act quickly
• Lack of transparency or regulation
If it sounds too good to be true, it usually is.

5. Make Decisions Based on Facts, Not Rumors
Avoid making investment decisions based on hearsay or social pressure.
Proper due diligence should always come before investment. At times, informed investors may act alone—confidence should come from research, not popularity.

6. Diversify to Manage Risk
Risk is better managed when investments are spread across asset classes such as:
• Mutual funds
• Treasury Bills
• Federal Government Bonds
• Stocks
• Real estate
Diversification reduces overexposure to any single investment.

7. Be Tax-Aware
With evolving tax laws, investors should consider tax-efficient instruments.
Where direct bond investment is not possible, instruments with FGN Bonds as underlying assets can offer relative stability and tax advantages.
Always consider after-tax returns, not just headline yields.

8. Remember the Golden Rule of Investing
Warren Buffett’s timeless principle:
Rule No. 1: Never lose money.
Rule No. 2: Never forget Rule No. 1.

Final Note
Successful investing in 2026 will reward discipline, education, diversification, and patience. Focus on long-term wealth creation rather than short-term speculation.
Wishing you a disciplined, informed, and high-yielding 2026 ahead

ojeysky:
And what will their alarm do, they can only bark, they have not exhibited ability to bite

You are right. But my worry Is not really about the legislators raising alarm. I am confused about why the govt would gazette something materially different from what was approved by NASS because these are information that could be easily verified by the public

emmasoft:
Key Investment Principles for Smarter Financial Decisions


Final Note
Successful investing in 2026 will reward discipline, education, diversification, and patience. Focus on long-term wealth creation rather than short-term speculation.
Wishing you a disciplined, informed, and high-yielding 2026 ahead

Nice one
Lastly, diversify into the US market, Vest app has make things less difficult .
They take Naira and zero commission once u deposit $20 per month. A little dollar income is a plus to anyone portfolio.

ppogba:
We. will. sooñ get to a stage where Filling stations will wash your car for buying 10 liters of Petrol.

What Alhaji cannot distrupt does not exist.

But that was how things used to be in this country several decades ago. Based on the number of points you gathered, you will be entitled to get a free car wash and oil change for your car. Total PLC and UniPetrol were major player using this strategy. As the economy gor bad, they shelved that option to just clean your windshield when you purchased petrol till those services disappeared.

Nigeria has really gone through tough times o!

9jatriot:
At the rate that you are going, it will not be long before you completely pull your shirt, rub charcoal for your face and enter street. Afterall, street done already de your name sef, so e no go hard you.
Your other fellow pessimist wen e moniker start with "M", dat one own gud small, dat one fit land for Yaba Left.

[img][/img]

How can a normal human heart be filled with so much evil?
.

Tinubu himself and his minions out of hatred opposed and mocked every good policy from Obasanjo Jonathan and buhari made then. They even hired a lot of newspapers both online and offline and some clownish minions from helfire to opposed and mock any step Jonathan made then so insulting streetinvestor2 and megawealth for complaining bitterly will make Tinubu and his Tax goons to think they are are doing the right thing.

. even dangote too is complaining bitterly about tinubu and his goons tax system which is making life difficult for people

During a press conference with members of the press on Monday, exporting permits his company to avoid a variety of taxes that would dramatically increase production expenses at home.

“When you look at my invoice, the cement I export is cheaper than the one I’m selling domestically, because that’s how exports work… in export I’m saving a lot of money, I’m not paying 30% income tax, I’m not paying 2%, education, I’m not paying 1% health, I’m not paying 7.5% VAT, and I’m not paying 10% withholding tax.”

By eliminating these costs, the Nigerian billionaire noted that he would be able to price Nigerian cement competitively in global markets against producers from Turkey, Russia, and China.

In fact, Nigeria's fiscal framework makes it cheaper to sell locally produced items overseas than at home, reflecting deeper structural flaws in the economy.

“So when you reduce all these taxes, I can afford to go and compete with the international market, with the likes of Turkey, Russia, and China,” he stated.

The implication is clear: Nigerian consumers bear the cost of high taxes, various levies, and regulatory inefficiency. While local production is sometimes marketed as a remedy to high pricing, Dangote's experience demonstrates how policy decisions can undercut that goal.[b][/b]
.what goes around comes around

Santa Rally to start off today...

Agbalowomeri:
You see these taxes?
Una must pay

Lol.
God go help us

May we all walk in peace, with understanding and without fear.

ololufemi:
But that was how things used to be in this country several decades ago. Based on the number of points you gathered, you will be entitled to get a free car wash and oil change for your car. Total PLC and UniPetrol were major player using this strategy. As the economy gor bad, they shelved that option to just clean your windshield when you purchased petrol till those services disappeared.

Nigeria has really gone through tough times o!

Baba old Soja,

If we are to go down the memory lane of how things were in years past, so many people on the social media will call it exaggeration.

essentialone:
Santa Rally to start off today...

Amin o jesu!

Agbalowomeri:
ACCESS will not pay dividends until 2027 and you expect the share price to do 50%😂

Access Holdings PLC Explains New ₦40bn Capital Raise and Dividend Impact
https://www.cowryvest.com/2025/12/access-holdings-clarifies-private-placement-cbn-capital-guidelines.html

They'll definitely pay final dividend for FY2025. The only question would be how much, considering their bloated Shares Outstanding.

Who has been able to reach Morgan recently. I've been trying to call them for days now.

Their iTrade is also currently down on my end.


Modified: iTrade is smooth now.

Ding !!!

Ding

awesomeJ:
Who has been able to reach Morgan recently. I've been trying to call them for days now.

Their iTrade is also currently down on my end.


Modified: iTrade is smooth now.

What happened to the downward movement of naira to #1300.The government did not see more fund to borrow to make it happen
In this yr as per the reserve.
I guess we are okey with stability that is being achieved with already borrowed fund...lol
I thought with the inflation on -14%.and trade surplus we will be on 1k for naira. All economic theories I was thought in school no dey work in this government.

Streetinvestor2:
What happened to the downward movement of naira to #1300.The government did not see more fund to borrow to make it happen
In this yr as per the reserve.
I guess we are okey with stability that is being achieved with already borrowed fund...lol

One would have thought the pain and anguish of the failure of the dollar exchange rate to get to N2000 by this December would have been enough to last you a lifetime. But of course, situation has added more for you to chew.

ppogba:
One would have thought the pain and anguish of the failure of the dollar exchange rate to get to N2000 by this December would have been enough to last you a lifetime. But of course, situation has added more for you to chew.

You follow dey this thread. I just noticed you.You need to try and post more to get my attention ...lol

Streetinvestor2:
What happened to the downward movement of naira to #1300. The government did not see more fund to borrow to make it happen
In this yr as per the reserve.
I guess we are okey with stability that is being achieved with already borrowed fund...lol
I thought with the inflation on -14%.and trade surplus we will be on 1k for naira. All economic theories I was thought in school no dey work in this government.

Market forces.

TARGET TECHNICAL ANALYSIS- ALLSHARE INDEX FORECAST FOR THE DAY