₦airaland Forum

EquityM:
The equity fund market is currently performing well; yesterday, it earned more than 67,000 naira with my 4 million capital. MMFs provide stability, whereas equity promotes growth. There is no drama surrounding interest rates or dividends.

I told you the last time, You will enjoy this year, it's a year of stocks, ETFs and Equities.

The stock market closed bullish last week, Banking stocks which I believe is driving your equity growth are all priced in expecially after most banks met up with CBN recapitalization and balance sheet looks strong.

Another reason is, risk taking investors are now reviewing their portfolio this new year and many of them are taking positions in the stock market because of one reason.

The capital market rate is going down eventually this year. So to all those worried about Stanbic 15%, this is just the beginning because imagine when CBN eventually cut MPR rate later In the year.

The smartest thing to do right now as a capital market investor, is to either top up your investment aggressively and so much to cover up for short fall of rates later in the year and enjoy compound interest or stop being loyal to a certain fund manager, shop around for best rate, split your investment to enjoy wide variety of rates.

There is even one smart way to play in both market (stock and capital market) and not loose your capital. I will soon make a video about it.

Rhymeyjohn:
Please advise me.
Is Cowrywise good to buy Equity funds or I should use the funds manager directly.

It's a small amount and I want to build it. I'm looking at United Capital

Cowrywise is fine but the question you not asking is; should you go with a moderate type Investment or aggressive type investment?

Do your research around that question, then look into what each type of investment is offering, how much are you comfortable losing in the worst case scenario and how long do you want to invest the money.

When you answer that question within yourself then you can proceed to pick your choice of investment on cowrywise.

No one here will boldly recommend equity plan to you like they recommend MMF AUM managers to invest in. That's because you already know such investment comes with risk and no one want to be blamed for recommending a risky investment if things goes south.

bassdow:
if you willing to pay, we could design a script to get actual readings almost as soon as it reflects on your dashboard. That way, you're able to tell the current rate at which was used for you.

The issue isn’t about that. A script can’t fix delayed remittances or replace official statements. Monthly statements are formal records used for legal, audit, and tax purposes…not something a custom tool can substitute. Besides, if daily rates aren’t updated in real time, any script adopted will simply be calculating with unreliable inputs. I have my own way of tracking these things but this is more fundamental than that.

What kind of equity? I recommend CardinalStone equity, starting from 5k; United Capital YTD at the end of 2025 was 46.85%, and CardinalStone did 60.00%, and they are starting a new phase at the moment. If you can risk 50k, you might make some good returns.

Rhymeyjohn:
Please advise me.
Is Cowrywise good to buy equity funds, or I should use the funds manager directly.

It's a small amount and I want to build it. I'm looking at United Capital

.

​A Will must go through probate: This is a court-supervised process to validate the Will. It can take 6 months to 2 years (or more) and involves court fees and attorney costs.

​A Trust is "private": Assets held in a living trust bypass probate entirely. Your trustee (try First Bank Trustee or Stanbic Trustee) transfer or distribute your assets to your heirs almost immediately after your death without waiting for a judge’s approval.

Iamblessed88:
Kindly explain more. What’s a living trust? Sounds interesting

Oga Equity, take it easy with this your equity mission, majority of us here are conservative investors, that's why we are finding rest of mind with MMF.

Abeg nor tempt us go put money for where we nor sabi, we don't want to start taking high blood pressure medications.

EquityM:
What kind of equity? I recommend CardinalStone equity, starting from 5k; United Capital YTD at the end of 2025 was 46.85%, and CardinalStone did 60.00%, and they are starting a new phase at the moment. If you can risk 50k, you might make some good returns.

EquityM:
What kind of equity? I recommend CardinalStone equity, starting from 5k; United Capital YTD at the end of 2025 was 46.85%, and CardinalStone did 60.00%, and they are starting a new phase at the moment. If you can risk 50k, you might make some good returns.

46% or 60% means nothing if the Equity is at all time high, he buys in today and tomorrow, the market suddenly nose dive or trys to correct itself. He will almost never recover quickly, compared to you who has already made gains and have been In the market for long.

Be very careful what you advising him to do.

I agree with you on this... It is far better to aggressively top-up your mmf account, than risk your funds in equity, e get some huge funds wey go dey inside your mutual fund account, even if the interest rate is 7%, you will still be contented with your daily earnings.

Be rest assured, no matter how low interest rate might be this your, some fund managers will NEVER go below 12% or 13%.

Beeron:
I told you the last time, You will enjoy this year, it's a year of stocks, ETFs and Equities.

The stock market closed bullish last week, Banking stocks which I believe is driving your equity growth are all priced in expecially after most banks met up with CBN recapitalization and balance sheet looks strong.

Another reason is, risk taking investors are now reviewing their portfolio this new year and many of them are taking positions in the stock market because of one reason.

The capital market rate is going down eventually this year. So to all those worried about Stanbic 15%, this is just the beginning because imagine when CBN eventually cut MPR rate later In the year.

The smartest thing to do right now as a capital market investor, is to either top up your investment aggressively and so much to cover up for short fall of rates later in the year and enjoy compound interest or stop being loyal to a certain fund manager, shop around for best rate, split your investment to enjoy wide variety of rates.

There is even one smart way to play in both market (stock and capital market) and not loose your capital. I will soon make a video about it.

Donbrig:
I agree with you on this... It is far better to aggressively top-up your mmf account, than risk your funds in equity, e get some huge funds wey go dey inside your mutual fund account, even if the interest rate is 7%, you will still be contented with your daily earnings.

Be rest assured, no matter how low interest rate might be this your, some fund managers will NEVER go below 12% or 13%.

You know what's funny?

Do you see this your quote below right?

"Be rest assured, no matter how low interest rate might be this your, some fund managers will NEVER go below 12% or 13%."


I use to think like this too, giving MMF or TBILL a benchmark rate, well before Emefiele "ways and means" CBN unothodox policies shattered my naive fantasy.


E GO SHOCK YOU, Nor worray!

Coolis:
Withdrawal shouldn't take more than 48hr for fund to reflect in one account. l just joined cowry, l haven't made withdrawal yet so can't say much about their withdrawal policy. Those that have been on cowry for long, make una answer bikonu

Withdrawal on cowrywise takes like 24hrs and 5 mins. It cant be lower than 24hrs. U will see a 24h timer once you withdraw. Once it runs down, u get credited within 5mins.

You can also withdraw during weekends

Donbrig:
I agree with you on this... It is far better to aggressively top-up your mmf account, than risk your funds in equity, e get some huge funds wey go dey inside your mutual fund account, even if the interest rate is 7%, you will still be contented with your daily earnings.

Be rest assured, no matter how low interest rate might be this your, some fund managers will NEVER go below 12% or 13%.

Fund managers can go below 12% oo. It all depends on economic realities.

But in actual sense I don't see this year ending below 10% except our macroeconomic situation over improve

EquityM:
What kind of equity? I recommend CardinalStone equity, starting from 5k; United Capital YTD at the end of 2025 was 46.85%, and CardinalStone did 60.00%, and they are starting a new phase at the moment. If you can risk 50k, you might make some good returns.

The cardinal stone equity is it fixed income or you buying their stock. Want to know how to go about it. Either using my Stanbic Stockbroking acc to buy

I wan try take my chances.

jejet1:
​A Will must go through probate: This is a court-supervised process to validate the Will. It can take 6 months to 2 years (or more) and involves court fees and attorney costs.

​A Trust is "private": Assets held in a living trust bypass probate entirely. Your trustee (try First Bank Trustee or Stanbic Trustee) transfer or distribute your assets to your heirs almost immediately after your death without waiting for a judge’s approval.

Wow thanks soo much for this!! You have no idea how much this helps

Blackrose71:
Norrenberger has not been crediting interest since 1st of January. Is it just me or a general problem?

Same with me.

They haven't credited me too.

Happy new year investors to all those thanking you all for all your meaningful contribution, God bless you.

Pls does Stanbic mmf retain some amount of money upon withdrawals .I wanted to redeem all my funds today but wasn't allowed to do so . It indicates I have to leave 5000k in my account. Pls help

Neurotika:
The issue isn’t about that. A script can’t fix delayed remittances or replace official statements. Monthly statements are formal records used for legal, audit, and tax purposes…not something a custom tool can substitute. Besides, if daily rates aren’t updated in real time, any script adopted will simply be calculating with unreliable inputs. I have my own way of tracking these things but this is more fundamental than that.

basically what I meant is taking the exact rate at the time the portal was updated but then you right

Alright, thanks

Preator:
Withdrawal on cowrywise takes like 24hrs and 5 mins. It cant be lower than 24hrs. U will see a 24h timer once you withdraw. Once it runs down, u get credited within 5mins.

You can also withdraw during weekends

heavenisreal18:
Happy new year investors to all those thanking you all for all your meaningful contribution, God bless you.

Pls does Stanbic mmf retain some amount of money upon withdrawals .I wanted to redeem all my funds today but wasn't allowed to do so . It indicates I have to leave 5000k in my account. Pls help

no they don't. If you experiencing such, mean mayBe the funds involved is much and if that's the case, then there's a limit to how much you can redeem on mobile app vs on their web portal vs in the banking hall (when you fill form)

The equity invests in stocks. As a result, your funds are invested in the top stocks on the NGX. When the prices of these stocks fluctuate on a daily basis, the NAV rises and you earn more money; when the prices fall, you lose money. Furthermore, some fund managers pay dividends to investors in the same way that other stocks do. Check the factsheet and try to invest between 50,000 and 100,000 to see some gains. Daily profits fluctuate, sometimes increasing, sometimes decreasing. (I only made 12k today, compared to 67k yesterday).

welzyj2:
The cardinal stone equity is it fixed income or you buying their stock. Want to know how to go about it. Either using my Stanbic Stockbroking acc to buy

I wan try take my chances.

I started when the equity fund was 35% YTD. I lost money, and I cashed out. However, things turned around, and I'm smiling by the grace of God. It is risky; it's up to the investor to take the risk.

Beeron:
46% or 60% means nothing if the Equity is at all time high, he buys in today and tomorrow, the market suddenly nose dive or trys to correct itself. He will almost never recover quickly, compared to you who has already made gains and have been In the market for long.

Be very careful what you advising him to do.

Okay, boss.

Donbrig:
Oga Equity, take it easy with this your equity mission, majority of us here are conservative investors, that's why we are finding rest of mind with MMF.

Abeg nor tempt us go put money for where we nor sabi, we don't want to start taking high blood pressure medications.

EquityM:
The equity invests in stocks. As a result, your funds are invested in the top stocks on the NGX. When the prices of these stocks fluctuate on a daily basis, the NAV rises and you earn more money; when the prices fall, you lose money. Furthermore, some fund managers pay dividends to investors in the same way that other stocks do. Check the factsheet and try to invest between 50,000 and 100,000 to see some gains. Daily profits fluctuate, sometimes increasing, sometimes decreasing. (I only made 12k today, compared to 67k yesterday).

No wahala. Looking to come on board just a final question.

Any penalties for redrawal and can we do redrawal at any point in time

Equity iniquity 😂

No put body o if your skin no full o if not High BP go wound u🤣🤣🤣

No penalty on any withdrawal at anytime. You can run any day, any hour, anytime. I don't know about other fund managers. Moreover, CardinalStone does not apply penalties on the equity fund, as it is a high-risk investment.

welzyj2:
No wahala. Looking to come on board just a final question.

Any penalties for redrawal and can we do redrawal at any point in time

Bro, I go top up with an additional 4m soon.

Creditalerts:
Equity iniquity 😂

No put body o if your skin no full o if not High BP go wound u🤣🤣🤣

Creditalerts:
Equity iniquity 😂

No put body o if your skin no full o if not High BP go wound u🤣🤣🤣

I'm a conservative investor o. Not considering more than 100k

EquityM:
Bro, I go top up with an additional 4m soon.

odogwu easy o hmm😁

welzyj2:
I'm a conservative investor o. Not considering more than 100k

that's still a whole lot of money 🤦🏾‍♂️

EquityM:
Bro, I go top up with an additional 4m soon.

Dont be scared so long as it fits your risk tolerance and you know you still have time to make the money back even if anything happens .

Ps, the fund is not 100% exposure to equities though. I think its max 70% or so and 30% to FI instruments

Absolutely, it's not 100% equity; one needs to grow a bit.

Iamblessed88:
Dont be scared so long as it fits your risk tolerance and you know you still have time to make the money back even if anything happens .

Ps, the fund is not 100% exposure to equities though. I think its max 70% or so and 30% to FI instruments

Bro, what did you think of "fixed income fund"? My money keeps going high and dropping at the same time. Bond isn't equity, but it's somehow strange to me.

Beeron:
I told you the last time, You will enjoy this year, it's a year of stocks, ETFs and Equities.

The stock market closed bullish last week, Banking stocks which I believe is driving your equity growth are all priced in expecially after most banks met up with CBN recapitalization and balance sheet looks strong.

Another reason is, risk taking investors are now reviewing their portfolio this new year and many of them are taking positions in the stock market because of one reason.

The capital market rate is going down eventually this year. So to all those worried about Stanbic 15%, this is just the beginning because imagine when CBN eventually cut MPR rate later In the year.

The smartest thing to do right now as a capital market investor, is to either top up your investment aggressively and so much to cover up for short fall of rates later in the year and enjoy compound interest or stop being loyal to a certain fund manager, shop around for best rate, split your investment to enjoy wide variety of rates.

There is even one smart way to play in both market (stock and capital market) and not loose your capital. I will soon make a video about it.