₦airaland Forum

IamtheDef:
Hello sir, can you really classify investments with ren.money as safe seeing as their they are an MFB and deposits are insured to a maximum of 2million per customer

Yes investment with Renmoney is safe and secured. Remember the CBN regulates their activities.

Nakedman:
Has anyone tried to buy Tbills via blunest?
I bought some Tbillls since last week and till this moment I am yet to get a successful mail or nothing.

...

Nakedman:
...

Reach out to them via mail or call.

I have not tried it though

Odunharry:
Reach out to them via mail or call.

I have not tried it though

I have called them about the issue. There's so much glitch in that app and the secondary market purchase don't go through and they held onto my money for 10days. Stanbic needs to address issues regarding buying tbills via the app it's difficult and not seemless. I won't be using it again. I'll stick to traditional banking

Nakedman:
I have called them about the issue. There's so much glitch in that app and the secondary market purchase don't go through and they held onto my money for 10days. Stanbic needs to address issues regarding buying tbills via the app it's difficult and not seemless. I won't be using it again. I'll stick to traditional banking

Your money laying idle for ten days isn't really nice. You can explore the other option. Talk to your account officer

About 100m.

Odunharry:
Depends on the range of amount.

Pls check my signature

digitalinvestor:
About 100m.

spam bot strike and deleted comments.

Double post

Hello emmasoft, what bank do you use that sends this please

emmasoft:
Yes, there is a primary auction tomorrow, 10th December 2025, but it's too late to participate if you have not applied as of this morning.

MeezPat:
Hello emmasoft, what bank do you use that sends this please

You can get the calendar and some asset managers also send to client.

MeezPat:
Hello emmasoft, what bank do you use that sends this please

Not bank. It's one of the fund managers that sent it to me.

Do they buy for people without extra charges.what fund manager is this.I want to purchase some

emmasoft:
Not bank. It's one of the fund managers that sent it to me.

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

emmasoft:
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

Well said Mr E. O.
The best time to invest is now. Always remember to diversify(Invest across several asset classes Fixed income, stocks, real estate etc). But if it's fixed income(Treasury Bills, fixed deposit, Bonds, CPs, Mutual funds etc you understand, then play along this asset vehicle.

Do your due diligent, research more, drop your questions here also(there are active and silent members that will guide you as beginner).

Did they pay 21st maturity for 2038 bond?

feelamong:
www.nairaland.com/attachments/1354359_NTB_jpg9d4cae535bd0bde1399af69caf610bc5

Treasury Bills! Why It Is The Best Investment For Now:

A lot of people have been asking for some time what Tbills are all about and where they could buy the bills from,


Som
This thread is dedicated for all issues related to Treasury Bills, their going rates, when Auctions are due and why they should be bought,

I am not a Finance person, am just a trader who was lucky to work in one financial insitution years back so I might not be the best person to answer questions on this as they come, But am sure we have a lot of financial gurus with CFAs in this Forum and all our questions would be answered,

Sometimes is good to invest in physical businesses too.
I help those who want to start water factory businesses with consultation,and also setting up the factory too,water is life,just like food.
09117852414 call or whatapp,Incase you want to start a pure water or bottle water factory.

Hello everyone

I want to invest in treasury bill but unsure how to go about it. Please can someone explain the process to me and how to start.
Thank you.

I also want to buy shares but I don't know how to start. Thank you

Tax evasion is a crime, but tax avoidance is not be wise!
Are you trying to avoid tax, and you don't have money for the FGN Bonds or you don't want to wait for the long tenor associated with direct investing in bonds, or you want something similar to MMF while enjoying a stable bond nature, then with as low as 5k, you can invest in the SFS Fixed Income Fund to get 17.01%.

https://sfsfund.com/register?referral=4GJ0I3Q21G or reach out to me.

tiwatope15:
I also want to buy shares but I don't know how to start. Thank you

You can click the third link in my signature to open a stockbroking account with Investment One.
Get in touch for a voice note on the ABC about investment in stocks and other instruments.

Pls I wrote my interest in Treasury bill with Stanbic,I got a confirmation after debit that SIBTC WALTER is the agent and they won't be responsible for any loss,pls I don't understand o, it was Stanbic I wrote ,and is NTB .what does this mean

As the year slowly wind down and the newly enforced Tax policy takes effect in January.

I felt the need to do a video explaining 6 types of narration to use when intending to send money or someone intending to send you money or even moving money around into different accounts for investment.

These narrations/remarks are necessary so when you get caught up in Tax issues, upon which your bank account gets audited by the Tax officials, you won't get over taxed due to the fact that your past transactions were labeled.

Don't forget to subscribe after watching the video.


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

My TB investment is mature today . Can I expect payment today been public holiday or I have to wait till the next working day ?

Oyetunde49:
My TB investment is mature today . Can I expect payment today been public holiday or I have to wait till the next working day ?

Hopefully, Monday 29th being the next working day. I wish you good luck. We share same fate.

Na my Christmas money be dat.

Oyetunde49:
My TB investment is mature today . Can I expect payment today been public holiday or I have to wait till the next working day ?

Wait till Monday.

Merry Christmas 🎄Wishing us all a Happy and Prosperous New Year 🙏

12 Things to Remember in 2026 (One for Each Month)

January – Remember your investment objective
Always be clear about why you are investing. Your goals should guide every decision you make.

February – Remember you are the sole manager of your portfolio
Advice is helpful, but the final responsibility for your investments rests with you.

March – Remember that nobody can perfectly time the market
The market has a mind of its own; consistent strategy beats prediction.

April – Remember the market has two directions
Markets move up or down—bull or bear. Both phases are normal and inevitable.

May – Remember money can be made in both bull and bear markets
Opportunities exist in every market cycle for informed and disciplined investors.

June – Remember not all celebrated stocks have strong fundamentals
Popularity does not always equal value. Always look beyond the hype.

July – Remember to prioritize return of capital over return on capital
Protecting your principal is more important than chasing high returns.

August – Remember you can start investing with what you have
You don’t need to wait for “enough money.” Consistency matters more than size.

September – Remember the stock market is best suited for long-term investing
Patience and time are key ingredients for sustainable wealth creation.

October – Remember the power of compound interest
Small, consistent returns can grow significantly over time when compounded.

November – Remember to enjoy part of your gains
Investment is meant to serve you—reward yourself wisely along the journey.

December – Remember to take responsibility for every investment decision
Own your choices, learn from mistakes, and grow in experience and discipline.

Good day, pls when is the next bid ?

skydiver01:
Merry Christmas 🎄Wishing us all a Happy and Prosperous New Year 🙏

Merry Christmas chief

Please house, is cowrywise good for MMF?

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