₦airaland Forum

awesomeJ:
Losses are absorbed by more profits.

Only a few days are red. Less than 5% of days.

I can't remember the last time I had a red week.

The longer the time frame the less the probability of a loss.

@streetinvestor2

OK I get the game
You try to win more.
Do you see yourself taking the kind of risk you do on some trades if your fund is in billions.
Or you become more selective on stocks u buy to mitigate any south movement in a day
Like I did with insurance stocks. I through in 2.or 3 million in some but cannot put 20 or 30 million in those particular stocks

Streetinvestor2:
OK I get the game
You try to win more.
Do you see yourself taking the kind of risk you do on some trades if your fund is in billions.
Or you become more selective on stocks u buy to mitigate any south movement in a day
Like I did with insurance stocks. I through in 2.or 3 million in some but cannot put 20 or 30 million in those particular stocks

The idea is to grow with the market.

5 years ago, the market used to do N200bn a month, I would celebrate N20m per month then.

Now the market has grown 5x to about N1trn monthly, I've grown 15x to about N300m monthly.

N1bn is something today's market can easily absorb.

With N1bn, the only thing is that I may end up doing just N3bn in monthly trades (3x turnover) compared to over 7x turnover I currently do.


Also the only risk in my trades is risk of trading low volumes (like trading less than N5m) in an entire day. even that just only translates to small profits not losses. Thank God.

Agbalowomeri:
You don comot Agba for your NSEMPA billionaire list
Na Nosa replace me bayi. What God cannot do does not exist

Billionaire in Zimbabwe dollars

Mankind2024:
Haha, my big brother, sharp as ever! 😄
No mind me o, I no comot any Agba from the list—na just say I dey highlight people wey plenty folks sabi their story well: Tony Elumelu wey build empire with vision and grit, Pa Emma wey turn small beginnings to billions through decades of disciplined moves, and Mr. Nosa wey quietly compound wealth over time, Madam Mercy wey shabi cherry picking of stocks and silently surpassed the billion naira portfolio.
I no mention you because you too dey sentimental about the market, calling compounding stocks "manipulation" everywhere. 😂
Me, I no believe say true wealth come from lottery or accidental pump—na patience, research, and holding quality assets through storm. Those ones I mention no dey attribute their billions to "I just lucky," and that's the energy I dey celebrate.

But you know say respect dey—your own story still inspire plenty people, and space dey for everybody wey dey win legitimately.

Keep soaring, Agba NSEMPA! What God no fit do no dey exist. 🎉🚀
Merry Christmas, champ! 🎄

Makinde Forbes List

Streetinvestor2:
OK I get the game
You try to win more.
Do you see yourself taking the kind of risk you do on some trades if your fund is in billions.
Or you become more selective on stocks u buy to mitigate any south movement in a day
Like I did with insurance stocks. I through in 2.or 3 million in some but cannot put 20 or 30 million in those particular stocks

He probably buys all the liquid, high-cap stocks and then hopes that, on average, the winners will balance out the losers. Over the last one or two years, that would have been profitable. When the market starts correcting, we’ll see how it goes on average, lol.

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.

You can't be serious about guaranteeing returns

SonofElElyonRet:
You can't be serious about guaranteeing returns

Why not?

It would be a win win.

If I know I can make 300% in one year, even if the next 2 years are 0%.

I can easily pay 40% for 3 years and still have another 180% for myself.

The thing about the guaranteed 40% is that they won't get anything above that too in years when the average investor makes over 100%.

So it's 40% no more, no less, regardless of market conditions.

ositadima1:
He probably buys all the liquid, high-cap stocks and then hopes that, on average, the winners will balance out the losers. Over the last one or two years, that would have been profitable. When the market starts correcting, we’ll see how it goes on average, lol.

You do realize that you don't have to give an explanation to something you have no idea about right??


Maybe it's better you go back to believing the numbers aren't real 😁😁

awesomeJ:
You do realize that you don't have to give an explanation to something you have no idea about right??


Maybe it's better you go back to believing the numbers aren't real 😁😁

It’s not an explanation; it’s a guess. That’s how I would trade the market, but it’s high risk and can give back all the profits, and more, if it gets out of control. I don’t think there’s any magic in all this.

It would be 200% in 5 years.

Sophisticated investors like Agba that made over 500% in the past 5 years would not find it attractive.

Those who held dollars and made 300% in the past 5 years might consider it given that the likelihood of another 300% (naira at 6k by 2030) is low

Then the vast majority of people doing 18% p.a or 90% will probably take it. Especially when fixed income yields crash to single digits.

ositadima1:
It’s not an explanation; it’s a guess. That’s how I would trade the market, but it’s high risk and can give back all the profits, and more, if it gets out of control. I don’t think there’s any magic in all this.

Which is why you can't replicate it. Cos you assume what's not.

Ordinary People Achieving Extraordinary Things in NSEMPA

The world, including our beloved Nigeria, is filled with ordinary people accomplishing extraordinary feats through determination, patience, and smart decisions.

I remember back in 2017 when I began real-life investing with just ₦5,000. Before that time, I lacked confidence in navigating the stock market and often sought validation from others. The NSEMPA thread on Nairaland was incredibly welcoming in those early days. It felt like a community where investors celebrated wins together and navigated volatility as a team. There was no aggressive promotion of questionable stocks for XMAS ram—just genuine sharing and support. It was a peaceful space that attracted many readers and active participants.

Sadly, things have changed. Today, envy, doubt, and condemnation often dominate the discussions. The influx of younger generations (Gen X and Z) has contributed to making the forum more toxic. Imagine someone on an anonymous and faceless platform trying to inspire others by sharing their journey, only to face demands for full portfolio details or accusations of "showing off."

The Bible highlights envy as one of the things the Lord detests (Proverbs 6:16-19 lists seven abominations, including a proud look and sowing discord, which often stem from envy). Neutral observers can easily spot this on the NSEMPA forum. Some even dismiss genuine success stories as mere luck or market manipulation.

For the record, negative comments do not discourage me. I will continue sharing my success stories to motivate others.

2025 has been a year full of valuable lessons for investors. The markets faced extreme uncertainty: intense daily volatility, prolonged bull runs, periods of forbearance, the introduction of capital gains tax, and other challenges.

The key lesson I've learned is to ignore the noise and let "Mr. Market" do what it does best—fluctuate unpredictably. This same patient strategy has served me well in foreign markets. In 2025 alone, my international portfolio endured over 20 significant downturns, triggered by events like escalating tariff wars, the Israel-Iran conflict, weak US job reports, government shutdown threats, deepfake scandals disrupting stocks like NVIDIA, concerns over an AI bubble, market correction, Trump vs Musk war, and leadership shifts in Warren Buffett's Berkshire Hathaway holdings.

Through it all, I stood firm—like the Rock of Gibraltar—and never sold my holdings. At one point, my portfolio was down by $22,000, but I remained unshaken. The golden rule? Never sell at the peak of panic during a downturn.

Fast forward to today: As I write this on Christmas Eve 2025, my foreign portfolio has grown to $205,000, while my NGX made an unrealised gain of over N85M today.

This proves that ordinary people like me can achieve extraordinary results through discipline and long-term thinking.

Don't give up. You could be the next success story—like Mr. Nosa, Mr. Emmanuel, Madam Mercy, Mr Agbalowomeri or even my humble self. And when that happens, the skeptics will definitely say it was impossible, just luck, or demand proof, claiming it was manipulation.

This is a brief celebration of ordinary Nigerians turning into extraordinary investors in our beautiful nation.

For the record: Keep investing wisely, stay patient, and focus on your own journey. Merry Christmas!
But the butcher refused to show up today for my Presco goat, telling me he is going to come on 26th December.
No prob, i would wait for him to do the needful.

zendi:
"I AM THE LIGHT OF THE WORLD". John 8:12


Christmas is the entrance of The Light int our darkness, the turning of our night into Day


Here is my favourite Christmas Hymn, written in 1683 by the German, Casper Friedrich Nachtenhorfer and translated to English in 1922 by Anna Hoppe.

Enjoy :

This night a wondrous revelation
Makes known to me God’s love and grace;
The Child that merits adoration
Brings light to our benighted race;
And though a thousand suns did shine,
Still brighter were that Light divine.

The Sun of Grace for thee is beaming;
Rejoice, my soul, in Jesus’ birth!
The light from yonder manger streaming
Sends forth its rays o’er all the earth.
It drives the night of sin away
And turns our darkness into day.

This Light, which all thy gloom can banish,
The bliss of heaven glorifies;
When sun and moon and stars shall vanish,
Its rays shall still illume the skies.
This light through all eternity
Thy heaven and all to thee shall be.

O Jesus, precious Sun of Gladness,
Fill Thou my soul with light, I pray.
Dispel the gloomy night of sadness
And teach Thou me this Christmas Day
How I a child of light may be,
Aglow with light that comes from Thee.

MERRY CHRISTMAS, BNSITL.

( Brothers 'Nd Sisters In The Lord )

awesomeJ:
Which is why you can't replicate it. Cos you assume what's not.

I already have something similar, though with a lot of checks. It trades a maximum of 10 stocks and rebalances every month. It’s up 35%, even though I started just three months ago. I’m currently testing it with ₦3 million. That said, I know it’s probably just riding the good times we’re in.

ositadima1:
I already have something similar, though with a lot of checks. It trades a maximum of 10 stocks and rebalances every month. It’s up 35%, even though I started just three months ago. I’m currently testing it with ₦3 million. That said, I know it’s probably just riding the good times we’re in.

Good for you.
Keep refining.
If it's blessed, you will start seeing it as completely risk free.


Also since it was green in November, it might be better than you think.
There aren't many months that are worse than November 2025 over the past 5 years.

awesomeJ:
No.

I input manually.

For context, at that start of this year, all I had was N2m in my portfolio whereas at the same time I owed N7m to banks and friends.

I basically had -N5m net.

I had to borrow at up to 156% annualized cos for me, I must trade in every market session, even if I have to borrow expensive money trade.


So while it's been a good year, it wasn't a year in which I could have afforded to pay for expensive APIs.

I see.

Must be a tedious stuff to do.

NSEstudent:
I see.

Must be a tedious stuff to do.

Some people can drive with their eyes closed, others can't even hold a steering wheel steadily.


I exert less effort in a week than it takes the average lagosian to commute to work in a day.

awesomeJ:
Why not?

It would be a win win.

If I know I can make 300% in one year, even if the next 2 years are 0%.

I can easily pay 40% for 3 years and still have another 180% for myself.

The thing about the guaranteed 40% is that they won't get anything above that too in years when the average investor makes over 100%.

So it's 40% no more, no less, regardless of market conditions.

Nothing like a guaranteed monthly return on an equity fund, you can have a minimum annual return

awesomeJ:
Why not?

It would be a win win.

If I know I can make 300% in one year, even if the next 2 years are 0%.

I can easily pay 40% for 3 years and still have another 180% for myself.

The thing about the guaranteed 40% is that they won't get anything above that too in years when the average investor makes over 100%.

So it's 40% no more, no less, regardless of market conditions.

SEC would never approve it. You are simply playing the odds

Still a lot of room for growth. Still a lot of money to be made. The real bull will come when we have stability, then investors will start pricing our market as emerging and not as distressed as they are doing right now

The best is yet to come.

emmanuelewumi:
Nothing like a guaranteed monthly return on an equity fund, you can have a minimum annual return

I didn't say equity fund now did I?

You assumed.

SonofElElyonRet:
SEC would never approve it.

I suspect that hurdle.

You are simply playing the odds

You're simply assuming on what you don't understand.

awesomeJ:
I didn't say equity fund now did I?

You assumed.

So what are the underlying assets in this fund you are planning to have?

If you build the product exclusively for HNIs it becomes easier to scale the approval hurdle with SEC @SonofElelyonRet

awesomeJ:
I didn't say equity fund now did I?

You assumed.

So are the underlying assets in this fund you are planning to have?


Are you sure he can't meet up with these requirements?

emmanuelewumi:
So are the underlying assets in this fund you are planning to have?

Still doesn't make it an equity fund.

You do mutual funds so you should know this.

There are bond funds that have equity exposure, there are balanced funds , there are Guaranteed income funds.

Then there are equity funds.


Maybe our market will finally wake up/advance to a level where you can just walk up to a bank, the SEC or the exchange and have them create a non existent investment product just for your own strategy.


Like how credit default swaps were created for that Doctor by Goldman simply cos he asked for it.

But here we are still not even able to do something as basic as margin lending.

emmanuelewumi:
So are the underlying assets in this fund you are planning to have?


Are you sure he can't meet up with these requirements?

These requirements are even easier than for a microfinance bank.

If that's all it took, I could get the license in 3 years or less.


But AI is probably hallucinating rubbish, so I'd rather expect something tougher.

awesomeJ:
Still doesn't make it an equity fund.

You do mutual funds so you should know this.

There are bond funds that have equity exposure, there are balanced funds , there are Guaranteed income funds.

Then there are equity funds.


Maybe our market will finally wake up/advance to a level where you can just walk up to a bank, the SEC or the exchange and have them create a non existent investment product just for your own strategy.


Like how credit default swaps were created for that Doctor by Goldman simply cos he asked for it.

But here we are still not even able to do something as basic as margin lending.

In short you are doing a balanced fund, with a mixture of equities, fixed income and money market.


We do margin lending in Nigeria for traders and investors, but their is no fund approved by SEC that does margin trading

awesomeJ:
These requirements are even easier than for a microfinance bank.

If that's all it took, I could get the license in 3 years or less.


But AI is probably hallucinating rubbish, so I'd rather expect something tougher.

Just that the custodians of the fund are the fund Trustees, the fund managers only invest the funds

emmanuelewumi:
In short you are doing a balanced fund, with a mixture of equities, fixed income and money market.


[b]We do margin lending in Nigeria for traders and investors, [/b]but their is no fund approved by SEC that does margin trading

It exists is different from it being prevalent.

How many brokers do you know offer it in this market without any restrictions on your Portfolio.


I've been asking Morgan for it since 2021, their excuse is that the SEC suspended it.

Talk to a bank, they start looking like stock trading is like forex that nobody understands.


The fact that you get it doesn't mean it's prevalent o.

emmanuelewumi:
Just that the custodians of the fund are the fund Trustees, the fund managers only invest the funds

You're talking more about asset managers.

My product requires a hedge fund license.

Typically, I won't be allowed to have clients below a certain amount in net worth. Only HNIs, but I'm not exactly sure what the sec regulations on those are.

My guess is that they'll be boring, given that the entire market sef is still boring.

So many instruments still missing.

Imagine if Agba could buy options and finally short his GTCO, would he be doing boring fix deposits.


Those guys on customs Street are just sitting in suits and A. C being comfortable with a market of 230 million people doing just $10m per day.

When we should be doing up to $1bn daily if market was deep and advanced enough.

It's only to be celebrating boring T+2.

Something that's mostly just updating one line of code , changing compliance rules and updating cron jobs.

Is that why we are here

Shalom428:
Still a lot of room for growth. Still a lot of money to be made. The real bull will come when we have stability, then investors will start pricing our market as emerging and not as distressed as they are doing right now

The best is yet to come.

That means ngx was even a learner this yr.What is the exchange rate and inflation rate like in those countries too