₦airaland Forum

EquityM:
Half M. DLM also uses NAV like Cardinal.

DLM is really good well.
I will try to look into them and see what they really invest in.

EquityM:
No worries, bro. Crypto is kind of complicated for me. A British friend of mine is making a lot of money from it.

Please don't near crypto. I would never recommend it to anyone even if the person has money to play around with.

Crypto taught me bitter lessons before i finally mastered it.

I'm sure your British friend also has bad days trading too, so it isn't easy money, it's the riskies type investment, even twice risky than betting because you are essentially competing with other traders in the world.

A professional Quant at wall Street will also loss big time in crypto regardless of his years of experience.

Yes, now he stopped, but he made a lot of money from it.

Beeron:
Please don't near crypto. I would never recommend it to anyone even if the person has money to play around with.

Crypto taught me bitter lessons before i finally mastered it.

I'm sure your British friend also has bad days trading too, so it isn't easy money, it's the riskies type investment, even twice risky than betting because you are essentially competing with other traders in the world.

A professional Quant at wall Street will also loss big time in crypto regardless of his years of experience.

EquityM:
Did you start yet? You should start investing with any amount you have. You can always top up later.

I will be doing that beginning of February.

Open CardinalStone fixed income as well; there is a peak period whereby the interest goes crazy on that day. DLM also has it, but I can easily track that period on CardinalStone. You can withdraw that interest on that day; I will inform you when that time is near.

Smattrader:
I will be doing that at the beginning of February.

EquityM:
Open CardinalStone fixed income as well; there is a peak period whereby the interest goes crazy on that day. DLM also has it, but I can easily track that period on CardinalStone. You can withdraw that interest on that day; I will inform you when that time is near.

With the way cardinal stone alpha fixed income is going, they can easily clock 25 - 30% annually I think.

Yes, they did around 22% last year; if the election is not chaotic, it might reach that. I am also watching some investment series on YouTube; some white folks do 60%-40% diversification. 60 to ETF and equity, 40 to bonds.

Allboiz:
With the way cardinal stone alpha fixed income is going, they can easily clock 25 - 30% annually I think.

EquityM:
Yes, they did around 22% last year; if the election is not chaotic, it might reach that. I am also watching some investment series on YouTube; some white folks do 60%-40% diversification. 60 to ETF and equity, 40 to bonds.

Impressive!!!

For fast growth, that formula is very okay. Although it still depends on one's risk appetite.
My February plan is 40% (two managers for Equity), 10% (one fixed-income that is nav-based), 20% (one mmf with competitive interest rate)

Great idea: MMF is needed for liquidity and steady income.

Allboiz:
Impressive!!!

For fast growth, that formula is very okay. Although it still depends on one's risk appetite.
My February plan is 40% (two managers for Equity), 10% (one fixed-income that is nav-based), 20% (one mmf with competitive interest rate)

MMF: I think TrustBanc and FirstAlly are really cool. With FirstAlly, you can withdraw your money at any time, even on weekends.

Allboiz:
Impressive!!!

For fast growth, that formula is very okay. Although it still depends on one's risk appetite.
My February plan is 40% (two managers for Equity), 10% (one fixed-income that is nav-based), 20% (one mmf with competitive interest rate)

EquityM:
Open CardinalStone fixed income as well; there is a peak period whereby the interest goes crazy on that day. DLM also has it, but I can easily track that period on CardinalStone. You can withdraw that interest on that day; I will inform you when that time is near.

As per withdrawal at any time, are you referring to Cardinal Stone or DLM or both?

Secondly, what's the difference and advantage between one with NAV and one without it?

Lastly, is this fixed-income fund generally annually or daily interest-fixed or does it fluctuate daily?

Will appreciate your knowledge and help with these questions.

Thanks

Have not tried DLM withdrawal, but CD withdrawal usually does not exceed 24hrs, you might even get it that day. NAV is better, as you can earn more money when the price goes up. The one without NAV is usually a fixed rate, and recently I just saw that DLM is using NAV as well, but it's not red or bearish like Cardinal. Lastly, the accrued rate usually fluctuates; it is not steady like MMF.

Smattrader:
As per withdrawal at any time, are you referring to Cardinal Stone or DLM or both?

Secondly, what's the difference and advantage between one with NAV and one without it?

Lastly, is this fixed-income fund generally annually or daily interest-fixed or does it fluctuate daily?

Will appreciate your knowledge and help with these questions.

Thanks

EquityM:
Have not tried DLM withdrawal, but CD withdrawal usually does not exceed 24hrs, you might even get it that day. NAV is better, as you can earn more money when the price goes up. The one without NAV is usually a fixed rate, and recently I just saw that DLM is using NAV as well, but it's not red or bearish like Cardinal. Lastly, the accrued rate usually fluctuates; it is not steady like MMF.

Amazing and thanks.
Since you said any fixed with NAV is better, please, how do I identify one with NAV and the one without?

Please anyone who has done or has experience with stanbic balanced fund should shere with me. I want to go into it. Is the interest rate better than money market fund and can I withdraw easily

geoeast:
Please anyone who has done or has experience with stanbic balanced fund should shere with me. I want to go into it. Is the interest rate better than money market fund and can I withdraw easily

Disregard balanced fund, it's a waste of time.

Either do straight up Equity mutual funds or compound money with MMF or just do fixed income.


Balance fund is a mixed of fixed income and Equity, it's a waste of time because, In Fixed income, while you get steady returns (eventhough small) and can top up to get more, your capital remains intact and preserved while you enjoy the daily returns but if it were to be balanced fund, that regular dip would make you lose that potential fixed income returns for that day you see red.

So do straight up Equity to enjoy purely days of Green and accept fate on days of red and do straight up fixed income for constant little returns eventhough I advice to invest big money to see tangible returns.

Ditch balanced fund, it only favors fund managers more than you.

Beeron:
Disregard balanced fund, it's a waste of time.

Either do straight up Equity mutual funds or compound money with MMF or just do fixed income.


Balance fund is a mixed of fixed income and Equity, it's a waste of time because, In Fixed income, while you get steady returns (eventhough small) and can top up to get more, your capital remains intact and preserved while you enjoy the daily returns but if it were to be balanced fund, that regular dip would make you lose that potential fixed income returns for that day you see red.

So do straight up Equity to enjoy purely days of Green and accept fate on days of red and do straight up fixed income for constant little returns eventhough I advice to invest big money to see tangible returns.

Ditch balanced fund, it only favors fund managers more than you.

Well said
I was also considering balanced fund, but exactly everything u said here came to my mind. It is better to go with one & maximize the benefits.

Thanks a lot

Beeron:
Disregard balanced fund, it's a waste of time.

Either do straight up Equity mutual funds or compound money with MMF or just do fixed income.


Balance fund is a mixed of fixed income and Equity, it's a waste of time because, In Fixed income, while you get steady returns (eventhough small) and can top up to get more, your capital remains intact and preserved while you enjoy the daily returns but if it were to be balanced fund, that regular dip would make you lose that potential fixed income returns for that day you see red.

So do straight up Equity to enjoy purely days of Green and accept fate on days of red and do straight up fixed income for constant little returns eventhough I advice to invest big money to see tangible returns.

Ditch balanced fund, it only favors fund managers more than you.

Jayce242:
Well said
I was also considering balanced fund, but exactly everything u said here came to my mind. It is better to go with one & maximize the benefits.

The trick is to amass gains from Equity and fixed income and then send the gains to MMF to preserve it and compound it while you wait for the equity market to really take a dip.

Seize the opportunity to withdraw all those gains locked up in MMF to buy the dip and make even better gains as the equity market recovers.

That's the strategy Billionaires use, that's why you hear most billionaires chunk of wealth is in stocks.

Good evening everyone

Can someone please guide me on how to access my CSCS account? The last time I received a statement was in 2017 when I did a change of name. I also noticed that the CSCS No and CHN on 2 statements i have are different and I am wondering why.?

I'm trying to resurrect my interest in stock investment and I just do not know where to start from.

A point in the right direction would be highly appreciated.

Thank you

Ade

Ade2002:
Good evening everyone

Can someone please guide me on how to access my CSCS account? The last time I received a statement was in 2017 when I did a change of name. I also noticed that the CSCS No and CHN on 2 statements i have are different and I am wondering why.?

I'm trying to resurrect my interest in stock investment and I just do not know where to start from.

A point in the right direction would be highly appreciated.

Thank you

Ade

Which stockbroker did u use in 2017?

NAV usually has a point in the numbers. 1.00, 1.10, etc.

Smattrader:
Amazing and thanks.
Since you said any fixed with NAV is better, please, how do I identify one with NAV and the one without?

A balanced fund is a scam; don't go for it. Blatant waste of time, and your money won't grow. I am a living witness.

geoeast:
Please anyone who has done or has experience with stanbic balanced fund should shere with me. I want to go into it. Is the interest rate better than money market fund and can I withdraw easily

Jayce242:
Which stockbroker did u use in 2017?

Hello,

Thank you for your response.

I used Options Securities, they were based in Eleganza House, off Broad street, Lagos

Thank you

Kind regards
Ade

Did you purchase stocks with them? You might need to contact CSCS for your CSCS and CHN details. Try and open a new stock account with another broker, and they might help you retrieve your shares and other information. I recommend Meristem broker on this issue; they will help you out.

Ade2002:
Hello,

Thank you for your response.

I used Options Securities; they were based in Eleganza House, off Broad street, Lagos

Thank you

Kind regards
Ade

EquityM:
A balanced fund is a scam; don't go for it. Blatant waste of time, and your money won't grow. I am a living witness.

Bro is it a smart idea to go into CSOF with 100m? Do you know what YTD 2025 performance and historical performance was?

Chief, the historical performance is amazing; I am 100% sure your money will double. Last year, they did 95%. If you can, give it a go. I have their VIP email; make sure you use that to contact them. You can reach out to them on
crd@cardinalstone.com
complaints@cardinalstone.com
clientservice@cardinalstone.com

Iamblessed88:
Bro is it a smart idea to go into CSOF with 100m? Do you know what YTD 2025 performance and historical performance was?

Eventhough the stock market wasn't so winning last week, here are Top 10 stocks that really gained. (Link below)

One of the reason stocks didn't perform well last week was because most Investors moved funds into the capital market as the capital market did well last week, especially if you do fixed income and MMF.

The reason is simple, banks wanted to balance their books for the month end so they needed liquidity, people in the capital market provided it even Stanbic mmf that used to be around 15% jumped to 16%.


https://youtube.com/shorts/qdc6a0EoNz8?feature=share

EquityM:
Did you purchase stocks with them? You might need to contact CSCS for your CSCS and CHN details. Try and open a new stock account with another broker, and they might help you retrieve your shares and other information. I recommend Meristem broker on this issue; they will help you out.

Thank you so much! I will do that.

Kind regards
Ade

EquityM thanks. Will mail them and personally pay them a visit on Monday

Alright, chief. If you hammer, don't forget me. Lolllllllllll.

Iamblessed88:
EquityM thanks. Will mail them and personally pay them a visit on Monday