₦airaland Forum

I earn everyday, have not earned today because the day has not ended yet. Your earnings come from the daily bond rate. Most days are usually high; however, if you top up and the rate is lower, you might see a negative return. It is advisable to top up at the end of the month.

Salarys:
How does the fund work because I see there are days you earn 3500, 5000 and other days nothing's

EquityM:
I earn everyday, have not earned today because the day has not ended yet. Your earnings come from the daily bond rate. Most days are usually high; however, if you top up and the rate is lower, you might see a negative return. It is advisable to top up at the end of the month.

Okay. I'm actually interested in this.

Looks like you started on the 23rd of last month.

If you don't mind, how much did you start with?

EquityM:
Click on this link to subscribe to daily equity reports and other stuff related to trading.

https://research.cardinalstone.com/reports

You will see a message icon on the website; click on it to subscribe to daily updates. Additionally, go to CardinalStone Research - Model Equity Portfolio - 12 January 2026 to see all the stocks in the equity portfolio. Back to your questions, equity fund investment takes patience and time; gains and losses make it more interesting than any other fund. If you can't take a risk, then it is not your thing. Your money might drop tomorrow and increase the next day. To make profit, don't withdraw your gains, unlike MMF. You can start with 40k-50k to test it out. We have been making gains since Monday; unfortunately, red came yesterday. That is how the game is. @Beeron will add more information. I wish you success in Jesus' name. Lastly, you don't need to check your CSCS or CHN number online; it's automatic. You can buy stocks right away.

I am currently making a video that would answer most frequently asked question about Equity.

When I'm done, I will post here so people can always have clarity about what investing in

Started last year in December with 5k. I topped up because it was doing well. If you subscribe to it, top up at the end of the month or once a month so as not to get a negative return. If you look at the photo, the 8k minus came the next day after I did the top-up due to the NAV price.

Salarys:
Okay. I'm actually interested in this.

Looks like you started on the 23rd of last month.

If you don't mind, how much did you start with?

Great, bro. Yesterday negative return was due to profit taking. I think most people cashed out to rebalance their portfolio or earn some money. I hope the market will be back on track.

Beeron:
I am currently making a video that would answer the most frequently asked question about Equity.

When I'm done, I will post here so people can always have clarity about what investing in

WaytoGo:
Kudus , @EquityM,

I am led here cos of you, you inspired my presence here and please could you please kindly help with these questions as I am new to this market being a chronic MMF investor so pardon my ignorance..


Cirdinalstone - I registered yesterday and I got both my account approved tier 1 and 2 respectively.

I was also given an SCSC/CHN number;
Please, how do I utilise these numbers as I tried to confirm or register the number via the SCSC official web account but I got denied because, they claim the number wasn't correct is there anything I didn't do right or do I need Cardialstone's further approval or enter the market before I could achieve that?


Secondly, what's the use of ' LINK REGISTRAR ACCOUNT or CARDINALSTONE REGISTRARS "(on the app) any need or use for it?



Thirsty, as I stepped into this market " Equity fund " which I tagged or considered as ETF partner cos they are quite related in terms of many stocks in one basket ...... How do one study the market, identify the number of stocks or companies enclosed in Cardinal Stone Equity for a glimpse of what you are putting your money into ;

Any link to where this full basket of stocks can be monitored, a platform where you can read a chart about tomorrow or before the opening of the market today for a glimpse of where the market might be heading or at least, an idea of how the equity chart works?


I would really appreciate your response as this will help kickstart my journey into this new endeavour.
@Beroon, will also appreciate your wealth of knowledge input to these questions.

I am in. No going back.


Thanks in advance.

Glad you took this leap of faith.

Now eventhough it's general knowledge that we advise that you have a backup money market fund (which I believe you already investing in), you are not making a wrong decision investing in Equity at all.

As a starter, leave the bulk of your investment capital in money market fund.

Then test the Equity waters, with a little spare cash, if it something you like, then you can go all in with bigger funds.

Nigeria economy swings like a pendulum to either money market or stock market, so you very strategic right now positioning yourself in both places. Welcome onboard.

EquityM:
Started last year in December with 5k. I topped up because it was doing well. If you subscribe to it, top up at the end of the month or once a month so as not to get a negative return. If you look at the photo, the 8k minus came the next day after I did the top-up due to the NAV price.

Alright. You mentioned you're also with zenith quantum fixed income fund. How's that faring?

CardinalStone is better; Quantum Zenith has terrible customer service. Both funds are doing well at the moment. Furthermore, you get dividends semi-annually from the CardinalStone fixed income fund, and Zenith is annual. The dividend is not your earnings; unlike MMF, this is the coupon or gains made from the bonds or underlying asset.

Salarys:
Alright. You mentioned you're also with zenith quantum fixed income fund. How's that faring?

Salarys:
How does the fund work because I see there are days you earn 3500, 5000 and other days nothing.

This type of investment is what traditional MMF suppose to do to increase daily returns but due to the fact that most of these underlying investment are fixed to a duration, MMF can't do it to a larger extent because MMF investors always demand for their capital back every time.

This is why we have fixed income market that invest in bond, commercial paper, term deposit and even money market.

Investing in this fund means you holding for long to see constant gains and when you see red in the market, it mean bond price fluctuation. It doesn't mean your capital is at risk.

I will also make a video on this after Equity video comes out.

EquityM:
Great, bro. Yesterday negative return was due to profit taking. I think most people cashed out to rebalance their portfolio or earn some money. I hope the market will be back on track.

That's something about the market bro.

It acts like human behavior, very unpredictable.

Well detailed and knowledgable.

Beeron:
This type of investment is what traditional MMF suppose to do to increase daily returns but due to the fact that most of these underlying investment are fixed to a duration, MMF can't do it to a larger extent because MMF investors always demand for their capital back every time.

This is why we have fixed income market that invest in bond, commercial paper, term deposit and even money market.

Investing in this fund means you holding for long to see constant gains and when you see red in the market, it mean bond price fluctuation. It doesn't mean your capital is at risk.

I will also make a video on this after Equity video comes out.

EquityM:
Well detailed and knowledgable.

Trust the weather over there isn't being harsh on you?

It's getting hot now. I prefer the summer season.

Beeron:
Trust the weather over there isn't being harsh on you?

EquityM:
It's getting hot now. I prefer the summer season.

Funny how these seasons change our perception of everyday life.

Just simple rotation and revolution of the Earth messing with our mood lol.

Stay safe brother.

Cheers, bro.

Beeron:
Funny how these seasons change our perception of everything life.

Just simple rotation and revolution of the Earth messing with our mood lol.

Stay safe brother.

Do you advice one to start Fixed income trading also at the end of the month only? or this is best for top ups only?

EquityM:
Started last year in December with 5k. I topped up because it was doing well. If you subscribe to it, top up at the end of the month or once a month so as not to get a negative return. If you look at the photo, the 8k minus came the next day after I did the top-up due to the NAV price.

Top up only. You can start right away. It's up to you. But top-up should be once a month, not in tranches like MMF.

mikeayus:
Do you advice one to start Fixed income trading also at the end of the month only? or this is best for top ups only?

Is anyone having issues seeing investments on the CS website and/or app? I don't see my Equity fund purchase of yesterday again.

I can't view mine; there might be some glitches in the system.

mikeayus:
Is anyone having issues seeing investments on the CS website and/or app? I don't see my Equity fund purchase of yesterday again.

Exactly, they seem to be having technical glitches, but I can see mine now.

They have not responded to my email regarding KYC since you provided that email address ooh, I am not feeling their customer service lol

EquityM:
I can't view mine; there might be some glitches in the system.

Did you write the subject as Nairaland Subscriber? Check page 2 or page 3 for the email. Cc all the email and resend again.

mikeayus:
Exactly, they seem to be having technical glitches, but I can see mine now.

They have not responded to my email regarding KYC since you provided that email address ooh, I am not feeling their customer service lol

Yes, I did use that subject. will send a reminder copying all the remaining emails.

EquityM:
Did you write the subject as Nairaland Subscriber? Check page 2 or page 3 for the email. Cc all the email and resend again.

EquityM:
Guys, An excellent investment is a fixed-income fund. My 300k+ is making significant gains. Having it alongside MMF is beneficial because it occasionally outperforms MMF's daily rate.

Good morning, this piqued my interest but that part about the deduction after topping up is a bit confusing. Could you give insight into that? Great work here

No deduction after top-up; the fund is based on bonds, if you top up, you are subscribing to a new bond, so if the price you purchase the bond for is lower, the next day will bring some red; however, if the price is higher, it will bring good earnings. Nevertheless, it does not affect your capital; once the price is up again, your capital will go up as well. The bond prices fluctuate; however, it pays much more earnings than MMF. There is also a peak period where you can make extra money. I'm still learning how it works.

IamtheDef:
Good morning, this piqued my interest but that part about the deduction after topping up is a bit confusing. Could you give insight into that? Great work here

EquityM:
Click on this link to subscribe to daily equity reports and other stuff related to trading.

https://research.cardinalstone.com/reports

You will see a message icon on the website; click on it to subscribe to daily updates. Additionally, go to CardinalStone Research - Model Equity Portfolio - 12 January 2026 to see all the stocks in the equity portfolio. Back to your questions, equity fund investment takes patience and time; gains and losses make it more interesting than any other fund. If you can't take a risk, then it is not your thing. Your money might drop tomorrow and increase the next day. To make a profit, don't withdraw your gains, unlike MMF. You can start with 40k-50k to test it out. We have been making gains since Monday; unfortunately, red came yesterday. That is how the game is. @Beeron will add more information. I wish you success in Jesus' name. Lastly, you don't need to check your CSCS or CHN number online; it's automatic. You can buy stocks right away.

I am blown away by your generosity especially your desire and passion to impact people's lives.

Thank you so much not just for this act of love but impactful attitude in the lives of people or your followers.

Regards.

EquityM:
Guys, an excellent investment is a fixed-income fund. My 300k+ is making significant gains. Having it alongside MMF is beneficial because it occasionally outperforms MMF's daily rate.

From your 300,000 what's your average daily interest rate?

150 to 5k+.

WaytoGo:
From your 300,000 what's your average daily interest rate?

EquityM:
Click on this link to subscribe to daily equity reports and other stuff related to trading.

https://research.cardinalstone.com/reports

You will see a message icon on the website; click on it to subscribe to daily updates. Additionally, go to CardinalStone Research - Model Equity Portfolio - 12 January 2026 to see all the stocks in the equity portfolio. Back to your questions, equity fund investment takes patience and time; gains and losses make it more interesting than any other fund. If you can't take a risk, then it is not your thing. Your money might drop tomorrow and increase the next day. To make a profit, don't withdraw your gains, unlike MMF. You can start with 40k-50k to test it out. We have been making gains since Monday; unfortunately, red came yesterday. That is how the game is. @Beeron will add more information. I wish you success in Jesus' name. Lastly, you don't need to check your CSCS or CHN number online; it's automatic. You can buy stocks right away.

At the bolded, how then is it possible to independently monitor my stock performances, dividends, etc?

Beeron:
Glad you took this leap of faith.

Now eventhough it's general knowledge that we advise that you have a backup money market fund (which I believe you already investing in), you are not making a wrong decision investing in Equity at all.

As a starter, leave the bulk of your investment capital in money market fund.

Then test the Equity waters, with a little spare cash, if it something you like, then you can go all in with bigger funds.

Nigeria economy swings like a pendulum to either money market or stock market, so you very strategic right now positioning yourself in both places. Welcome onboard.

This is well noted and taken. Thank you for your input from your wealth of knowledge.

You monitor it through your broker. They will guide you through.

WaytoGo:
At the bolded, how then is it possible to independently monitor my stock performances, dividends, etc?

EquityM:
No deduction after top-up; the fund is based on bonds, if you top up, you are subscribing to a new bond, so if the price you purchase the bond for is lower, the next day will bring some red; however, if the price is higher, it will bring good earnings. Nevertheless, it does not affect your capital; once the price is up again, your capital will go up as well. The bond prices fluctuate; however, it pays much more earnings than MMF. There is also a peak period where you can make extra money. I'm still learning how it works.

Okay, thank you

EquityM:
I will get back to you with the answers tomorrow. CSCS and CHN are mainly for buying stocks. Once you register with CardinalStone, the CSCS and CHN are assigned to you automatically. I will get back to you with a link to see all the stocks in the equity fund. Registrar, you don't have to click the link.

CSCS and CHN are also useful when you buy FGN Bonds. They are your capital market IDs.