₦airaland Forum

For those who want to learn about "equity investment."

EquityM:
For those who want to learn about "equity investment."

Following keenly. Pls I top up 100k on cardinal stone over the weekend and the net worth currently showing N1.85. Is that how the app works? what does that mean pls

Ooh, for every top-up, you get an additional interest, which will be displayed on the app. You have to wait until the end of today, as they will update it.

FRANKLYex:
Following keenly. Pls I top up 100k on cardinal stone over the weekend and the net worth currently showing N1.85. Is that how the app works? what does that mean pls

EquityM:
Ooh, for every top-up, you get an additional interest, which will be displayed on the app. You have to wait until the end of today, as they will update it.

This is what I have currently

Wait, bro, clientservice@cardinalstone.com
crd@cardinalstone.com
Send them an email and tell them this error message. However, they will still update your portfolio today. This is what mine is showing; they will update it today.

FRANKLYex:
This is what I have currently.

Profit made today. May God bless us all.

Looks like we are on a cardinal thread.

Meanwhile, Top Equity Funds in Nigeria (2025)... THIS LIST IS NOT A RECOMMENDATION.

1. Halo Equity Fund
Frequently the top performer in the equity fund category in 2025.
Reported some of the highest YtD returns (e.g., ~53.5% as of October).
High-growth, high-volatility fund: best suited for investors with a strong risk appetite.

2. Afrinvest Equity Fund
Also among the leading performers in 2025 with strong YtD gains (~53.5% as of October).
Offers diversified exposure across large- and mid-cap Nigerian equities.

3. Guaranty Trust Equity Income Fund (GT Equity Income)
Consistently among the better performers with solid returns (~56% in earlier H1 data).
Focuses on dividend-paying and blue-chip stocks — good for investors seeking both income and growth.

4. Zrosk Magna Equity Fund
Ranked highly in performance lists with double-digit YtD returns (~42%).
A more aggressive equity fund aimed at experienced investors.

5. Paramount Equity Fund
A long-established Nigerian equity fund with solid performance (~40%+ YtD).
Known for diversification and capital appreciation over the long term.

6. Stanbic IBTC Aggressive Fund / Nigerian Equity Funds
Well-established funds from a reputable manager showing noteworthy equity exposure and returns.


Sources: Nairametrics & Finance in Africa

Kindly check your portfolio now, bro. Mine has been updated.

Care4:
Meanwhile, Top Equity Funds in Nigeria (2025)
1. Halo Equity Fund
Frequently the top performer in the equity fund category in 2025.
Reported some of the highest YtD returns (e.g., ~53.5% as of October).
High-growth, high-volatility fund: best suited for investors with a strong risk appetite.

2. Afrinvest Equity Fund
Also among the leading performers in 2025 with strong YtD gains (~53.5% as of October).
Offers diversified exposure across large- and mid-cap Nigerian equities.

3. Guaranty Trust Equity Income Fund (GT Equity Income)
Consistently among the better performers with solid returns (~56% in earlier H1 data).
Focuses on dividend-paying and blue-chip stocks — good for investors seeking both income and growth.

4. Zrosk Magna Equity Fund
Ranked highly in performance lists with double-digit YtD returns (~42%).
A more aggressive equity fund aimed at experienced investors.

5. Paramount Equity Fund
A long-established Nigerian equity fund with solid performance (~40%+ YtD).
Known for diversification and capital appreciation over the long term.

6. Stanbic IBTC Aggressive Fund / Nigerian Equity Funds
Well-established funds from a reputable manager showing noteworthy equity exposure and returns.


Sources: Nairametrics & Finance in Africa

I have tried 3 of the above and looking at including a 4th one. All depends on Q1 2026 results.


But for now, I'm taking positions for direct equity ahead of the dividend season.

Good, bro, you can open with any fund managers. Let's earn and learn.

Care4:
Meanwhile, Top Equity Funds in Nigeria (2025)
1. Halo Equity Fund
Frequently the top performer in the equity fund category in 2025.
Reported some of the highest YtD returns (e.g., ~53.5% as of October).
High-growth, high-volatility fund: best suited for investors with a strong risk appetite.

2. Afrinvest Equity Fund
Also among the leading performers in 2025 with strong YtD gains (~53.5% as of October).
Offers diversified exposure across large- and mid-cap Nigerian equities.

3. Guaranty Trust Equity Income Fund (GT Equity Income)
Consistently among the better performers with solid returns (~56% in earlier H1 data).
Focuses on dividend-paying and blue-chip stocks — good for investors seeking both income and growth.

4. Zrosk Magna Equity Fund
Ranked highly in performance lists with double-digit YtD returns (~42%).
A more aggressive equity fund aimed at experienced investors.

5. Paramount Equity Fund
A long-established Nigerian equity fund with solid performance (~40%+ YtD).
Known for diversification and capital appreciation over the long term.

6. Stanbic IBTC Aggressive Fund / Nigerian Equity Funds
Well-established funds from a reputable manager showing noteworthy equity exposure and returns.


Sources: Nairametrics & Finance in Africa

You really tried, bro. This equity is challenging.

Care4:
I have tried 3 of the above and looking at including a 4th one. All depends on Q1 2026 results.


But for now, I'm taking positions for direct equity ahead of the dividend season.

Check your app, bro. It might have been updated.

EquityM:
Ooh, for every top-up, you get an additional interest, which will be displayed on the app. You have to wait until the end of today, as they will update it.

It has, thank you

EquityM:
Check your app, bro. It might have been updated.

EquityM:
You really tried, bro. This equity is challenging.

Bro please I invested in mmf, how can I buy some equity on the same cardinal stone

On the app, click on "Invest" and follow the attached instructions.

Keith05cool:
Bro please I invested in mmf, how can I buy some equity on the same cardinal stone

EquityM:
On the app, click on "Invest" and follow the attached instructions.

Why is the equity showing 4.5%?

The YTD has been reset. This year, they started from 1YTD. All fund managers do this every year. They have to meet up with 60-100 YTD by the end of this year. Every year the YTD starts again from 1.

Keith05cool:
Why is the equity showing 4.5%?

EquityM:
The YTD has been reset. This year, they started from 1YTD. All fund managers do this every year. They have to meet up with 60-100 YTD by the end of this year. Every year the YTD starts again from 1.

Ok thanks

Please try and start with 50-100k to see gains; these gains will help you fight off your losses. 10k or 20k, I don't recommend it. However, you can top up gradually.

Keith05cool:
Ok thanks

EquityM:
Please try and start with 50-100k to see gains; these gains will help you fight off your losses. 10k or 20k, I don't recommend it. However, you can top up gradually.

I did 50k with mutual funds, do I need to deposit another amount for the equity fund?

I don't get you, bro. If you pay for any mutual funds, it will reflect. So, make sure you click on equity fund and pay to the account the system brings up. Equity starts with a 5,000 naira deposit.

Keith05cool:
I did 50k with mutual funds; do I need to deposit another amount for the equity fund?

If your portfolio is up 10% but inflation is 20%, you are losing money. 📉

​It’s a hard pill to swallow, but it’s the reality of investing in Nigeria right now.

Most apps show you your nominal returns, but they don't show you your real purchasing power.

​I built a feature in NairaShield called the Dividend Time Machine. It allows you to simulate your returns against historical inflation data.

It answers the one question that matters:

"Did this company actually beat inflation?"

​Don't let inflation eat your profits in silence. See the real numbers.

​Try it now: https://finance.threadnix.com

I'm all in on the equity funds. Is it more profitable running than the MMF??

It is for a longer period of time. However, profit and capital rely on market stability and growth.

VladimirTheGrea:
I'm all in on the equity funds. Is it more profitable running than the MMF??

VladimirTheGrea:
I'm all in on the equity funds. Is it more profitable running than the MMF??

It's a way to beat inflation.

Your goal is to beat inflation and note that, it can be profitable in a particular year and in some year, it will be slow and filled with unpredictable mood swing.

Last year, It began getting profitable starting from the second quarter of last year. In 2024, it started the year strong but lost momentum.

It's starting the year strong this year draw from last year momentun and a growing ASI so the future looks bright for now.

EquityM:
It is for a longer period of time. However, profit and capital rely on market stability and growth.

Ok. Just saw a 90days min holding period. It's quarterly, and I'm looking at trying the waters immediately.

This inspiration you bring, it's fine.

Following

EquityM:
It is for a longer period of time. However, profit and capital rely on market stability and growth.

My kyc has been approved. Thanks

If the market goes south, forget the 90days, you can withdraw your capital. Only your interest will be charged. You can start investing but have a plan B in case the market goes bearish. I will send the link to see the stocks they currently trade. There is also a yearly dividend paid to subscribers; this is different from your interest accrued.

VladimirTheGrea:
Ok. Just saw a 90days min holding period. It's quarterly, and I'm looking at trying the waters immediately.

This inspiration you bring, it's fine.

Start investing, bro; the NAV might be pricer soon. Don't forget to have an MMF account if the market goes bearish.

.

welzyj2:
My kyc has been approved. Thanks

EquityM:
Start investing, bro; the NAV might be pricer soon. Don't forget to have an MMF account if the market goes bearish.

.

Did 50k to test ground. But bal is 49k.

Stanbic is my core mmf acc
I just opened trustbanc to get some benefit of their 18%