₦airaland Forum

MARKET CLOSING RELATIVELY FLAT TODAY
Closing figure is below our forecast, but still will be a green figure.

UNIBENDON:
Is First Bank better than Access Bank? First Bank management are even doing worse than Access Bank.Most companies management embezzle(that is,take their own share of the company's funds) by inflating cost of doing business.

I see turn around in fbn now when I visit thr branches. I don't see that in access bank.The whole acquisition is just job not to be traceable by Nigeria regulatory authorities which started with the late ceo.The ceo are competing on who can acquire the highest properties both home and abroad while minority investors gain nothing. Ote is a cow boy but minority shareholders will equally benefit when he start enjoying in the wealth created.That is how ote rolls in his companies. Let him finish acquisition u will see the kind dividend he will be declaring for his massive holdings which will benefit minority shareholders too

Index managed to survive a 5% dip on MTNN.

I'm waiting for my brokers to upload trades so I can see how profitable these two hours have been.

awesomeJ:
Index managed to survive a 5% dip on MTNN.

I'm waiting for my brokers to upload trades so I can see how profitable these two hours have been.

Do the index have effects on your gains or loss.
I thought is the individual stocks you trade on daily bases that give ur target like the gain today on transcorp hotel or IB which all gained above 9%

The Quiet Triumph: How a "Boring" Investment in Transcorp Hotels Turned N325,000 into Over N17 Million or 5,130% ROI.

In the fast-paced world of stock trading, where algorithms flash across screens and traders chase the next hot tip, there exists a quieter path to wealth—one paved with patience, discipline, and unyielding grit. This is the story of one such journey, inspired by the legends of value investing and the profound insights of behavioral psychology.

Back in 2021, amid the uncertainties of a post-pandemic world, I made a simple decision: I purchased 100,000 shares of Transcorp Hotels Plc (TRANSCOHOT) at total cost of N3.25 per share. That modest investment totaled just N325,000 (Inclusive of Transaction cost) a seed planted in fertile ground.

Transcorp Hotels, the hospitality arm of the Transnational Corporation of Nigeria Plc, owns iconic properties like the Transcorp Hilton Abuja, a five-star landmark in the heart of Nigeria's capital, known for its luxurious accommodations, world-class conferencing facilities, and serene gardens.

I wasn't chasing excitement. I describe myself as a "boring" investor—one who evolves steadily, from "smart" strategies to a bridge of consistent, long-term holding. My inspiration came from the timeless wisdom of Warren Buffett and the late Charlie Munger, whose partnership at Berkshire Hathaway demonstrated that extraordinary wealth often comes from ordinary, disciplined.

Their philosophy was enriched for me by the work of Caroline Miller on behavioral psychology. She showed how human endeavors—investing included—are won not by fleeting intelligence or complex formulas, but by authentic grit: the ability to persevere through noise, volatility, and doubt.

Studies and real-world evidence back this up. "Smart" investors, armed with algorithms and quick triggers, often switch strategies at the first sign of market turbulence, eroding gains through fees, taxes, and poor timing. Boring investors, however, stay the course. They ignore the daily chatter, the trolls, the bullies urging "sell now" or "buy this hot stock." They embody patience in a volatile world.

Fast forward to today, December 24 2025. That small seed has blossomed into a giant tree. With Transcorp Hotels shares trading around N170 per share—a remarkable rise fueled by strong post-pandemic recovery, operational excellence, and expanding hospitality assets—my holding is now valued at approximately N17 million.
This isn't luck. It's the compounded magic of time, discipline, and believing in a solid company's long-term potential. In Nigeria, where many workers' lifetime pensions might not reach such figures, this growth represents financial freedom earned quietly.

Wealth building is a marathon, not a sprint. In volatile markets like the NGX, where emotions run high, the secrets remain unchanged: patience and discipline.

To new investors reading this—perhaps in forums filled with noise—stay encouraged. Ignore the detractors. Plant your seeds wisely, water them with resolve, and watch them grow into forests.

This boring path? It's the one that often leads to the most beautiful destinations.

Mankind2024:
The Quiet Triumph: How a "Boring" Investment in Transcorp Hotels Turned N325,000 into Over N17 Million or 5,130% ROI.

In the fast-paced world of stock trading, where algorithms flash across screens and traders chase the next hot tip, there exists a quieter path to wealth—one paved with patience, discipline, and unyielding grit. This is the story of one such journey, inspired by the legends of value investing and the profound insights of behavioral psychology.

Back in 2021, amid the uncertainties of a post-pandemic world, I made a simple decision: I purchased 100,000 shares of Transcorp Hotels Plc (TRANSCOHOT) at total cost of N3.25 per share. That modest investment totaled just N325,000 (Inclusive of Transaction cost) a seed planted in fertile ground.

Transcorp Hotels, the hospitality arm of the Transnational Corporation of Nigeria Plc, owns iconic properties like the Transcorp Hilton Abuja, a five-star landmark in the heart of Nigeria's capital, known for its luxurious accommodations, world-class conferencing facilities, and serene gardens.

I wasn't chasing excitement. I describe myself as a "boring" investor—one who evolves steadily, from "smart" strategies to a bridge of consistent, long-term holding. My inspiration came from the timeless wisdom of Warren Buffett and the late Charlie Munger, whose partnership at Berkshire Hathaway demonstrated that extraordinary wealth often comes from ordinary, disciplined.

Their philosophy was enriched for me by the work of Caroline Miller on behavioral psychology. She showed how human endeavors—investing included—are won not by fleeting intelligence or complex formulas, but by authentic grit: the ability to persevere through noise, volatility, and doubt.

Studies and real-world evidence back this up. "Smart" investors, armed with algorithms and quick triggers, often switch strategies at the first sign of market turbulence, eroding gains through fees, taxes, and poor timing. Boring investors, however, stay the course. They ignore the daily chatter, the trolls, the bullies urging "sell now" or "buy this hot stock." They embody patience in a volatile world.

Fast forward to today, December 24 2025. That small seed has blossomed into a giant tree. With Transcorp Hotels shares trading around N170 per share—a remarkable rise fueled by strong post-pandemic recovery, operational excellence, and expanding hospitality assets—my holding is now valued at approximately N17 million.
This isn't luck. It's the compounded magic of time, discipline, and believing in a solid company's long-term potential. In Nigeria, where many workers' lifetime pensions might not reach such figures, this growth represents financial freedom earned quietly.

Wealth building is a marathon, not a sprint. In volatile markets like the NGX, where emotions run high, the secrets remain unchanged: patience and discipline.

To new investors reading this—perhaps in forums filled with noise—stay encouraged. Ignore the detractors. Plant your seeds wisely, water them with resolve, and watch them grow into forests.

This boring path? It's the one that often leads to the most beautiful destinations.

Show all your trades since inception. If all of them look like this, we will hail you as the biggest master. These one-off trades you’re showing don’t prove much; we all have stocks that skyrocketed. If I show you my UCAP on two different accounts, you’ll marvel, nothing special.

If you’re really the master you claim to be, stop trying so hard to prove it. Show all your trades, and I’ll prostrate for you and call you Baba.

ositadima1:
Show all your trades since inception. If all of them look like this, we will hail you as the biggest master. These one-off trades you’re showing don’t prove much; we all have stocks that skyrocketed. If I show you my UCAP on two different accounts, you’ll marvel, nothing special.

If you’re really the master you claim to be, stop trying so hard to prove it. Show all your trades, and I’ll prostrate for you and call you Baba.

What is the best app or website to buy Nigerian stocks?

ositadima1:
If you’re really the master you claim to be, stop trying so hard to prove it. Show all your trades, and I’ll prostrate for you and call you Baba.

Nawa oh.i didn't see whr he claimed master in his post.Show all your trade abi show your portfolio. Which he has shown in the past.What am I missing in this post.

Streetinvestor2:
Do the index have effects on your gains or loss.
I thought is the individual stocks you trade on daily bases that give ur target like the gain today on transcorp hotel or IB which all gained above 9%

You're right.

What I said about my gains is not tied to the index, I said I'm waiting for my brokers to upload trades.

The statement about the index stands alone

Streetinvestor2:
Nawa oh.i didn't see whr he claimed master in his post.Show all your trade abi should your portfolio. Which he has shown in the past.What am I missing in this post.

So you no see as e dey show all him stocks wey do times 100? You no see NCR wey from ₦170k enter millions? Another ₦300k don turn ₦17 million, abi you no dey see am?

Streetinvestor2:
Nawa oh.i didn't see whr he claimed master in his post.Show all your trade abi should your portfolio. Which he has shown in the past.What am I missing in this post.

Abi you won ban me again? Make i dey talk small small ooo.

Streetinvestor2:
Nawa oh.i didn't see whr he claimed master in his post.Show all your trade abi should your portfolio. Which he has shown in the past.What am I missing in this post.

I think that guy has a serious problem.

He always feels threatened whenever people report success.

I mean if someone says they turned 300k to 17m in 4 years, why should you interpret it as meaning that they said you also couldn't have done it.


All those boys that always want to carry first for class.

Some of us write exams without even bothering to check the results. Whether we come first or last, it makes no difference as long as I pass my Maths.

Thank you for your comment, brother.
First, let me clarify: I have never once called myself the "biggest master" of the game or anything close to that. In my article, I openly described myself as a boring investor—one who simply buys quality businesses and holds through thick and thin, inspired by Buffett, Munger, and the psychology of grit. No claims of superiority, just sharing a real journey to encourage others.

My posts are meant to motivate new and discerning investors—those who are patient, disciplined, and focused on long-term compounding—not the quick, smart traders who thrive on volatility and frequent moves (no shade; that's a valid style, and it seems to suit you well with your UCAP wins—congrats on those!).

I'm not here to prove anything or seek titles. My goal is generational wealth: planting seeds today that my children and grandchildren can harvest tomorrow. That's a different horizon from shorter-term ambitions, and both can coexist respectfully.

No need for prostration or "Baba" calls—I'm just a fellow traveler on this marathon. Keep winning your way, and I'll keep sharing quietly to inspire those who need it.

Stay blessed, and merry Christmas! 🚀

ositadima1:
Show all your trades since inception. If all of them look like this, we will hail you as the biggest master. These one-off trades you’re showing don’t prove much; we all have stocks that skyrocketed. If I show you my UCAP on two different accounts, you’ll marvel, nothing special.

If you’re really the master you claim to be, stop trying so hard to prove it. Show all your trades, and I’ll prostrate for you and call you Baba.

ositadima1:
So you no see as e dey show all him stocks wey do times 100? You no see NCR wey from ₦170k enter millions? Another ₦300k don turn ₦17 million, abi you no dey see am?

Whether the claims are true or false, how does it impact your portfolio?

What exactly is your grouse??

You need to outgrow envy, otherwise you will never have joy.


If your neighbor buys a private jet now, you will either start thinking it's not his own or start wishing it crashed.

Bia, that's a shade of witchcraft o if you don't know.

yMcy56:
What concerns Otebaba with mispricing?

BTW, did you look into FBNH's financials before concluding this way sir?

I only look at the financials in relation to price

yMcy56:
Long termers and fundamentalists are to see to that. 😁
...but I think at 30, First Bank was way undervalued amongst its peers.

Compliment Sir. 🙌

I totally agree. At N30 First Bank was ridiculous. Like wise Zenith, Access and UBA are ridiculous at these prices

Mankind2024:
Thank you for your comment, brother.
First, let me clarify: I have never once called myself the "biggest master" of the game or anything close to that. In my article, I openly described myself as a boring investor—one who simply buys quality businesses and holds through thick and thin, inspired by Buffett, Munger, and the psychology of grit. No claims of superiority, just sharing a real journey to encourage others.

My posts are meant to motivate new and discerning investors—those who are patient, disciplined, and focused on long-term compounding—not the quick, smart traders who thrive on volatility and frequent moves (no shade; that's a valid style, and it seems to suit you well with your UCAP wins—congrats on those!).

I'm not here to prove anything or seek titles. My goal is generational wealth: planting seeds today that my children and grandchildren can harvest tomorrow. That's a different horizon from shorter-term ambitions, and both can coexist respectfully.

No need for prostration or "Baba" calls—I'm just a fellow traveler on this marathon. Keep winning your way, and I'll keep sharing quietly to inspire those who need it.

Stay blessed, and merry Christmas! 🚀

You be Baba, haaaa! ₦300k to ₦17 million no be here oooo. You too much. Happy Xmas.

Streetinvestor2:
Beside fbn dividend Wahala. It should be in same price range with zenith bank

No it shouldn't. Zenith bank is the third most efficient bank on the Exchange

awesomeJ:
Whether the claims are true or false, how does it impact your portfolio?

What exactly is your grouse??

You need to outgrow envy, otherwise you will never have joy.


If your neighbor buys a private jet now, you will either start thinking it's not his own or start wishing it crashed.

Bia, that's a shade of witchcraft o if you don't know.

Teach me work, Baba number 2. How many million enter this time? Make we follow you dey chop nah 😂.

ositadima1:
Teach me work, Baba number 2. How many million enter this time? Make we follow you dey chop nah 😂.

I'm waiting for brokers to upload trades.

awesomeJ:
I'm waiting for brokers to upload trades.

So my guy, you suppose open trade fund make we wey be NSEMPA gamblers and traders follow dey enjoy as you dey crack market so. No dey chop alone ooo 😂.

ositadima1:
So you no see as e dey show all him stocks wey do times 100? You no see NCR wey from ₦170k enter millions? Another ₦300k don turn ₦17 million, abi you no dey see am?

No vex but how is that a problem. He used 4 yrs to achieve that height
I remember someone here who said he made 30 million within a year with equally small cash.The guy later said he has gone into electronics business. I did equally make good paper profit when sugar and onado did #80 and above. I blocked u at a time because of serious reason not small matters..lol.

Streetinvestor2:
No vex but how is that a problem. He used 4 yrs to achieve that height
I remember someone here who said he made 30 million within a year with equally small cash.The guy later said he has gone into electronics business. I did equally make good paper profit when sugar and onado did #80 and above. I blocked u at a time because of a reason not small matters..lol.

Okay, but wetin wrong with wetin I tell am? I just talk say if e fit show say e dey consistently do 100 times, I go prostrate give am and call am Baba join. Anything dey there?

ositadima1:
So my guy, you suppose open trade fund make we wey be NSEMPA gamblers and traders follow dey enjoy as you dey crack market so. No dey chop alone ooo 😂.

With time.
In a few years.
If I get SEC approval, I'll open a fund that pays a fixed monthly, quarterly or annual returns to holders.

Could be 3% per month, 10% per quarter or 40% p.a guaranteed.


I'm already running the experiment with facilities priced at up to 193% p.a, and so far it's been smooth.

awesomeJ:
With time.
In a few years.
If I get SEC approval, I'll open a fund that pays a fixed monthly, quarterly or annual returns to holders.

Could be 3% per month, 10% per quarter or 40% p.a guaranteed.


I'm already running the experiment with facilities priced at up to 193% p.a, and so far it's been smooth.

Na like this Ololo take start o

awesomeJ:
With time.
In a few years.
If I get SEC approval, I'll open a fund that pays a fixed monthly, quarterly or annual returns to holders.

Could be 3% per month, 10% per quarter or 40% p.a guaranteed.


I'm already running the experiment with facilities priced at up to 193% p.a, and so far it's been smooth.

Ok, no forget to announce am here when you launch the fund. Some of us dey root for you 😂. God spead.

Agbalowomeri:
Na like this Ololo take start o

Seeking SEC approval??

Anyways, like you, people should gather ample knowledge and understanding about products they choose to invest in, and no one should invest in products that aren't regulated.

Agbalowomeri:
Na like this Ololo take start o

Na bull market we dey, make people enjoy it while it last

Mankind2024:
The Quiet Triumph: How a "Boring" Investment in Transcorp Hotels Turned N325,000 into Over N17 Million or 5,130% ROI.

In the fast-paced world of stock trading, where algorithms flash across screens and traders chase the next hot tip, there exists a quieter path to wealth—one paved with patience, discipline, and unyielding grit. This is the story of one such journey, inspired by the legends of value investing and the profound insights of behavioral psychology.

Back in 2021, amid the uncertainties of a post-pandemic world, I made a simple decision: I purchased 100,000 shares of Transcorp Hotels Plc (TRANSCOHOT) at total cost of N3.25 per share. That modest investment totaled just N325,000 (Inclusive of Transaction cost) a seed planted in fertile ground.

Transcorp Hotels, the hospitality arm of the Transnational Corporation of Nigeria Plc, owns iconic properties like the Transcorp Hilton Abuja, a five-star landmark in the heart of Nigeria's capital, known for its luxurious accommodations, world-class conferencing facilities, and serene gardens.

I wasn't chasing excitement. I describe myself as a "boring" investor—one who evolves steadily, from "smart" strategies to a bridge of consistent, long-term holding. My inspiration came from the timeless wisdom of Warren Buffett and the late Charlie Munger, whose partnership at Berkshire Hathaway demonstrated that extraordinary wealth often comes from ordinary, disciplined.

Their philosophy was enriched for me by the work of Caroline Miller on behavioral psychology. She showed how human endeavors—investing included—are won not by fleeting intelligence or complex formulas, but by authentic grit: the ability to persevere through noise, volatility, and doubt.

Studies and real-world evidence back this up. "Smart" investors, armed with algorithms and quick triggers, often switch strategies at the first sign of market turbulence, eroding gains through fees, taxes, and poor timing. Boring investors, however, stay the course. They ignore the daily chatter, the trolls, the bullies urging "sell now" or "buy this hot stock." They embody patience in a volatile world.

Fast forward to today, December 24 2025. That small seed has blossomed into a giant tree. With Transcorp Hotels shares trading around N170 per share—a remarkable rise fueled by strong post-pandemic recovery, operational excellence, and expanding hospitality assets—my holding is now valued at approximately N17 million.
This isn't luck. It's the compounded magic of time, discipline, and believing in a solid company's long-term potential. In Nigeria, where many workers' lifetime pensions might not reach such figures, this growth represents financial freedom earned quietly.

Wealth building is a marathon, not a sprint. In volatile markets like the NGX, where emotions run high, the secrets remain unchanged: patience and discipline.

To new investors reading this—perhaps in forums filled with noise—stay encouraged. Ignore the detractors. Plant your seeds wisely, water them with resolve, and watch them grow into forests.

This boring path? It's the one that often leads to the most beautiful destinations.

lol hmm NSEMPA
That is the folio app used by Morgan, Atlass, and some other stockbrokers. There is a tab section called 'portfolio', kindly take a screenshot to show the current position as you claim: "my holding is now valued at approximately N17 million"

From Lockdown Despair to US Stock Success: How the COVID-19 Crisis Sparked My Journey to a $200K+ Portfolio

During the COVID-19 pandemic, Nigeria's nationwide lockdown marked one of the most turbulent periods in the country's history. The future felt uncertain, and tomorrow seemed bleak.

This challenging time coincided with a severe market meltdown. The Nigerian Exchange (NGX) was deep in the red, portfolios were bleeding value, and the federal government introduced "Ways and Means" financing—essentially printing money and borrowing without asset backing.

These events pushed me to diversify beyond local markets and explore opportunities abroad.

One fateful day in 2020, while browsing the "US Stocks Pick Alert" thread on Nairaland, I discovered a foreign broker that allowed qualified Nigerians to register. I signed up successfully, though at the time, I had little idea which stocks suited me best. Day trading and chasing "hot stocks" dominated the scene.

In the beginning, it was mistake after mistake: dabbling in penny stocks, battling emotional volatility, and falling prey to greed.

Then, in 2023, I paused for reflection and committed to staying within my circle of competence. I began studying the "Magnificent 7" stocks and their profound impact on the global economy. I started carefully selecting investments in the dynamic US market.

Today, those efforts are paying off handsomely in US dollar terms. As of the close of business yesterday, my portfolio—started as a seed for my three beautiful children—stands at $203,424, with unrealized gains of $61,463.

May God continue to bless us all in the new year and beyond.

dey play...u gat lucky...d stock is one of d most manipulated toks in dis market

d valuation is higher than even microsoft apple put together...

kontinue to mislead peeps sha...dem no kno wetin p/e be or wetin EPS be...wetin b ratio analysys...na zombies plenty....

you got lucky you got caught in between tony pumping dat compnay...enjoy mellyxmas

Streetinvestor2:
I see turn around in fbn now when I visit thr branches. I don't see that in access bank.The whole acquisition is just job not to be traceable by Nigeria regulatory authorities which started with the late ceo.The ceo are competing on who can acquire the highest properties both home and abroad while minority investors gain nothing. Ote is a cow boy but minority shareholders will equally benefit when he start enjoying in the wealth created.That is how ote rolls in his companies. Let him finish acquisition u will see the kind dividend he will be declaring for his massive holdings which will benefit minority shareholders too

I think you're biased in your statement. What was First Bank dividend when compared to Access bank? For 2024 full year I think First bank paid about 60 Kobo while Access bank paid more than ₦2. I think Access bank has rewarded minority shareholders than First bank. I believe you are interested in the increase in stock price.