₦airaland Forum

EquityM:
Just ignore and fund that account, send them the slip, and it will be deposited within an hour.

Alright, thank you

Smattrader:
Please, provide me with their link. I have never had to go through this amount of stress since I have pouring my money in for any investment manager platform. Nawao

On the home page, dlmthrivedotcom, even while logged out, you'll see the chat function. Their response is instant

Beeron:
First of, how old are you?

If you in your 20s to late 30s, pass up on the offer now and continue to aggressively build your portfolio till you 45 or alternatively, if this deal is a sweet deal you can hardly come by again, then withdraw your investment, use it to buy the land and go take a loan proportional to the worth of the land using the same land as collateral, then use the loan to rebuild your portfolio and keep the land secured. When you turn 45, you would have amass enough to begin building as you pay off loan from your regular job income now plus gains from your portfolio investment. By then your land would have also increased in resale value.


Option 2 - If you are 45 and above already, just go on with your plans, liquidate your portfolio, get the land and begin your building project. (I don't know if you currently live in your own house or renting) but anyway, Build a kind of house such that you will be living upstairs and rent out downstairs and if possible, Boysquarter by the side.

While you are building, I would have recommended you take a loan to re-build your portfolio and use the land as collateral but naaah, it's a bad idea because you won't be able to service the loan since you have building project taking resources from you.

My simple advise is for OP to look into his plans carefully. As a family man, you will always have lots of moving parts that must grow.

The way you described the house project no easy like that oo except plenty cash dey or you want to rush it. For house project in Nigeria my advise is always start as soon as possible, don't overdo and build gradually.

We don't have good and fair mortgage plans in nice areas, if not would advise OP to take a mortgage

EquityM:
Stanbic share is now 118 naira. The highest of all banks in Nigeria. I will make good money from Zrosk equity today.

Ahaaa. Solid. Nice one

t33why:
Oh ok, so I can just ignore the pay stack options in my account. Those are the options there in the image. I tried to do a test 100k deposit and the charge was1kplus .

Good this is that they have various methods for withdraw, check the ones that are cheaper in fees and go with it, if its opay open an account get it up to take large amounts, then move it there and then to your regular bank account, that should be N100 in total with what ever fees they charge to move the money to Opay. Alot of them are limited this show options and willing to give you access to those options.

@EquityM

They contacted me after I had chatted with them via their online chat platform.

Now, I'm unsure what's happening because, after I was finally able to log in successfully, the issue is that the money I transferred to them isn't yet reflecting in my account. Please, is this normal or do I need to wait for them for it to reflect? Please, enlighten.

Even the payments I made to Cardinalstone since early this morning has not reflected....same as my funding into Afrinvest equity via cowrywise

Cardinal sent an email acknowledging the receipt of the funds but it's not reflecting...

I checked cowrywise who by the way acknowledged the funds....but it's telling me pending which I check my portfolios


Only the Trustbanc fund reflected almost immediately...


I don't just understand...I am new here....I have followed from sometime before deciding to register as a user ..

Thank you to all the contributors here....una own no go ever loss......iseeeee

Smattrader:
@EquityM

They contacted me after I had chatted with them via their online chat platform.

Now, I'm unsure what's happening because, after I was finally able to log in successfully, the issue is that the money I transferred to them isn't yet reflecting in my account. Please, is this normal or do I need to wait for them for it to reflect? Please, enlighten.

LoriHamo:
Even the payments I made to Cardinalstone since early this morning has not reflected....same as my funding into Afrinvest equity via cowrywise

Cardinal sent an email acknowledging the receipt of the funds but it's not reflecting...

I checked cowrywise who by the way acknowledged the funds....but it's telling me pending which I check my portfolios


Only the Trustbanc fund reflected almost immediately...


I don't just understand...I am new here....I have followed from sometime before deciding to register as a user ..

Thank you to all the contributors here....una own no go ever loss......iseeeee

Being a newcomer I can understand your pains and how it feels but I want to assure you that this is very common among the fintech fund managers especially during the ends month , and in no time, all these setbacks shall become a thing of the past. Just hold on there and don't be wearied. But keep chatting and emailing them while it lasts, it will surely be fixed.

LoriHamo:
Even the payments I made to Cardinalstone since early this morning has not reflected....same as my funding into Afrinvest equity via cowrywise

Cardinal sent an email acknowledging the receipt of the funds but it's not reflecting...

I checked cowrywise who by the way acknowledged the funds....but it's telling me pending which I check my portfolios


Only the Trustbanc fund reflected almost immediately...


I don't just understand...I am new here....I have followed from sometime before deciding to register as a user ..

Thank you to all the contributors here....una own no go ever loss......iseeeee

That's the norm for non-mmf investment, reason why your Trustbanc or any other MMF subscription will reflect immediately. It will be processed within 2 days give or take and I believe you should have received an email detailing that. There's nothing to worry about.

Niiade:
Good this is that they have various methods for withdraw, check the ones that are cheaper in fees and go with it, if its opay open an account get it up to take large amounts, then move it there and then to your regular bank account, that should be N100 in total with what ever fees they charge to move the money to Opay. Alot of them are limited this show options and willing to give you access to those options.

Strange thing is the charges don't change irrespective of the channel. All funding options have the same charges., don't know if it varies with amount but 100k had charges of about 1200. Nest is to stick with the option provided by EquityM

If you make a payment as a first-time user, it will reflect in your portfolio at midnight. Don't worry, it will reflect.

LoriHamo:
Even the payments I made to Cardinalstone since early this morning has not reflected....same as my funding into Afrinvest equity via cowrywise

Cardinal sent an email acknowledging the receipt of the funds but it's not reflecting...

I checked cowrywise who by the way acknowledged the funds....but it's telling me pending which I check my portfolios


Only the Trustbanc fund reflected almost immediately...


I don't just understand...I am new here....I have followed from sometime before deciding to register as a user ..

Thank you to all the contributors here....una own no go ever loss......iseeeee

You will see the money the next day, bro. Just keep refreshing your portfolio.

Smattrader:
@EquityM

They contacted me after I had chatted with them via their online chat platform.

Now, I'm unsure what's happening because, after I was finally able to log in successfully, the issue is that the money I transferred to them isn't yet reflecting in my account. Please, is this normal or do I need to wait for them for it to reflect? Please, enlighten.

Feb got off to a great start. This year could be the year of fixed income and treasury bills, as the current government continues to issue new bonds and TB. Invest wisely, and by God's grace, we will all meet our financial objectives. Lastly, it was a green day in the Cardinal and Zrosk equity fund.

Between fixed income and mmf which has a better daily interest return?

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.

It depends on your risk level; do both for stability. However, more money should go to the fixed income fund. My DLM with half M is seriously whopping my TrustBanc MMF with the same amount. A good day in a fixed-income fund can beat 7 days of returns in an MMF.

cyrilex202:
Between fixed income and MMF, which has a better daily interest return?

Is 100k a good amount st start equity fund. If no what's the average recommended amount.

Secondly for those who have Stanbic equity fund how is their performance.

Lastly which fund manager will be recommended for a starter like me with a small budget of 100k for a starter

Others with Stanbic IBTC equity might answer your question. 100k with CardinalStone equity is not bad; however, it is for a long-term investment. My advice is to split 50k to equity and 50k to a fixed income fund. Lastly, it all comes down to your risk appetite.

cyrilex202:
Is 100k a good amount to start an equity fund. If no what's the average recommended amount.

Secondly for those who have Stanbic equity fund how is their performance.

Lastly which fund manager will be recommended for a starter like me with a small budget of 100k for a starter

t33why:
Strange thing is the charges don't change irrespective of the channel. All funding options have the same charges., don't know if it varies with amount but 100k had charges of about 1200. Nest is to stick with the option provided by EquityM

That’s crazy, beginning to think there is an understanding for small and medium scale investors so the more they withdraw and deposit the more charges can accrued to income for them. What firm is that please?

According to my observations of fixed income funds and MMFs, if you are a hustler looking for growth, a fixed income fund is better. If you are a family man with many responsibilities, MMF is a better option due to its ease of liquidation and compounding. A fixed income fund NAV determines your capital appreciation and growth, which means your money will grow gradually while paying out semi-annual dividends. MMF pays quarterly and compounds your earnings, which adds value to your capital but does not outperform fixed income funds in terms of spikes and hikes, as bonds are better for longer-term goals, offering higher potential returns but with greater risk and interest rate volatility. My 2 cents is to invest in both and go aggressively on fixed income funds.

LoriHamo:
Even the payments I made to Cardinalstone since early this morning has not reflected....same as my funding into Afrinvest equity via cowrywise

Cardinal sent an email acknowledging the receipt of the funds but it's not reflecting...

I checked cowrywise who by the way acknowledged the funds....but it's telling me pending which I check my portfolios


Only the Trustbanc fund reflected almost immediately...


I don't just understand...I am new here....I have followed from sometime before deciding to register as a user ..

Thank you to all the contributors here....una own no go ever loss......iseeeee

Cowrywise's usually reflect the next day.

Don't worry, you'll be cleared by the start of office hours this morning.

cyrilex202:
Between fixed income and mmf which has a better daily interest return?

You know what is funny?

They call it fixed income but the income is not fixed at all.

Now depending on the asset management firm you investing with; Today you might get 0.03 percent of your capital, tomorrow you might get up to 3 percent.

It's hard to pick between MMF and fix income but let me explain their similarities and differences.

Both MMF and fixed income invest in the same short term money market except for one thing BOND, yep fixed income invest in old bond but MMF don't but some do like SFS MMF.

So while MMF gains come when interest rate is elevated, Fixed income real gains comes mostly in periods in a month when some Nigeria bank and cash strapped and looking for money, they get desperate and pay huge interest to you holding fixed Income so they can use your fund, after banking operations return to normal, you will begin to earn your peanuts.


So I will advise you do both MMF and fixed income.

I will make a video about this and post it on my YouTube channel.

Got your point, bro; however some fixed income funds are not like the fixed bank deposit. Most invest in government bonds and corporate bonds, which yield high or low depending on the duration. CardinalStone just launched a 501B bond with the Nigerian government, and since then their fixed income funds have been doing better, like DLM. It's too hard to tell now, and I am wondering why the returns sometimes beat my equity fund returns.

Beeron:
You know what is funny?

They call it fixed income, but the income is not fixed at all.

Now depending on the asset management firm you investing with; Today you might get 0.03 percent of your capital, tomorrow you might get up to 3 percent.

It's hard to pick between MMF and fix income but let me explain how to utilize both.

Both MMF and fixed income invest in the same short term money market except for one thing BOND, yep fixed income invest in old bond but MMF don't but some do like SFS MMF.

So while MMF gains come when interest rate is elevated, Fixed income real gains comes mostly in periods in a month when some Nigeria bank and cash strapped and looking for money, they get desperate and pay huge interest to you holding fixed Income so they can use your fund, after banking operations return to normal, you will begin to earn your peanuts.


So I will advise you do both MMF and fixed income.

I will make a video about this and post it on my YouTube channel.

EquityM:
Got your point, bro; however some fixed income funds are not like the fixed bank deposit. Most invest in government bonds and corporate bonds, which yield high or low depending on the duration. CardinalStone just launched a 501B bond with the Nigerian government, and since then their fixed income funds have been doing better, like DLM. It's too hard to tell now, and I am wondering why the returns sometimes beat my equity fund returns.

I wasn't talking bank fixed deposits at all.

I did mentioned bond as well, you also mentioned bond.

So right now, I'm struggling to figure out the difference between what I have explained and what you explained.

Alright, bro. I just think the fixed income fund is somehow complicated. From my perspective, it does match the returns of equity funds if the equity funds do not perform as elegantly as they should.

Beeron:
I wasn't talking about bank fixed deposits at all.

I did mentioned bond as well, you also mentioned bond.

So right now, I'm struggling to figure out the difference between what I have explained and what you explained.

EquityM:
Alright, bro. I just think the fixed income fund is somehow complicated. From my perspective, it does match the returns of equity funds if the equity funds do not perform as elegantly as they should.

Chief you need to realize that Equity fund gain is something not usually guaranteed in Nigeria in the long run because Nigeria stock market is primarily dominated with retail investors, NOT institutional investors.

According to Samson, when he was starting Zrosk, and filling out paperwork, he stumbled on one documents that holds records of CSCS number of active Nigerians in stocks market space and guess what? The number of active CSCS number was less than what he expected. Meaning very few people trade stocks in Nigeria and Nigeria stocks is still an emerging market.


However, the capital market in Nigeria is dominated with big numbers, you will always hear billions and billions in banks revenue, profit pre tax etc.


In a nutshell, Fixed income gains on days Equity has sloppy performance doesn't correlate to anything. But just bare in mind that Nigeria capital market has more money than the stock market that's why fixed income gains on peak days is unbelievable.

And for Nigeria banks, CASH is king because of how CBN regulate their activities strictly with tools like CRR, Standing facility corridor, OMO etc.

I just hope you understand all these I have written because if you do, you will have an idea why fixed income behaves the way it behaves and lastly let me shock you.

Last year 2025 was only the first time Nigeria stock market was bullish up to 51% in the last 2 decades.

Can you imagine that?
Two decade

So, imagine how the capital market has since grown in size and volume of the Nigeria economy.

Matter plenty abeg, some times I just dey too busy to type plenty.

I totally understand. Equity is still my growth, and fixed income will be my stabilizer.

Beeron:
Chief you need to realize that Equity fund gain is something not usually guaranteed in Nigeria in the long run because Nigeria stock market is primarily dominated with retail investors, NOT institutional investors.

According to Samson, when he was starting Zrosk, and filling out paperwork, he stumbled on one documents that holds records of CSCS number of active Nigerians in stocks market space and guess what? The number of active CSCS number was less than what he expected. Meaning very few people trade stocks in Nigeria and Nigeria stocks is still an emerging market.


However, the capital market in Nigeria is dominated with big numbers, you will always hear billions and billions in banks revenue, profit pre tax etc.


In a nutshell, Fixed income gains on days Equity has sloppy performance doesn't correlate to anything. But just barely in mind that Nigeria capital market has more money than the stock market that's why fixed income gains on peak days is unbelievable.

And for Nigeria banks, CASH is king because of how CBN regulate their activities strictly with tools like CRR, Standing facility corridor, OMO etc.

I just hope you understand all these I have written because if you do, you will have an idea why fixed income behaves the way it behaves and lastly let me shock you.

Last year 2025 was only the first time Nigeria stock market was bullish up to 51% in the last 2 decades.

Can you imagine that?
Two decade

So, imagine how the capital market has since grown in size and volume of the Nigeria economy.

Matter plenty abeg, some times I just dey too busy to type plenty.

Smattrader:
@EquityM

They contacted me after I had chatted with them via their online chat platform.

Now, I'm unsure what's happening because, after I was finally able to log in successfully, the issue is that the money I transferred to them isn't yet reflecting in my account. Please, is this normal or do I need to wait for them for it to reflect? Please, enlighten.

What's the update on your payment? has you finally been credited

Did you get paid, bro?

mikeayus:
Thanks bro....I would send them an email, even though they never responded to my mail regarding KYC. I am porting to Zrosk anyways

Thank you so much....it has all reflected

I did 100k each in TRUSTBANC, CD alpha fund and Afrinvest equity yesterday morning....

This morning

Trustbanc....100,053
CD alpha.......100,600
Afrinvest ...........none


I have confirmed that CD fixed income alpha fund is not bad o o.

Thank you so much for all the free information you bring here...

EquityM:
If you make a payment as a first-time user, it will reflect in your portfolio at midnight. Don't worry, it will reflect.

Thank God you are seeing the fixed income juju. I still don't understand how the fixed income generates money from the bonds. The money I have in my equity, if I had placed it in the fixed income fund, I would have made 500k in 5 days.

LoriHamo:
Thank you so much....it has all reflected

I did 100k each in TRUSTBANC, CD alpha fund and Afrinvest equity yesterday morning....

This morning

Trustbanc....100,053
CD alpha.......100,600
Afrinvest ...........none


I have confirmed that CD fixed income alpha fund is not bad o o.

Thank you so much for all the free information you bring here...

Not yet They didn't respond to my email on redemption. Rather they responded to my complaint of almost 2 weeks regarding KYC asking for Utility bill. Its so frustrating jare.I am waiting to hear from them again. The balance on my portal is now normal reflecting expected balance after redemption of funds, but I never see alert

EquityM:
Did you get paid, bro?

You should get the money soon; by the way, you can only withdraw 5m in a day.

mikeayus:
Not yet They didn't respond to my email on redemption. Rather they responded to my complaint of almost 2 weeks regarding KYC asking for Utility bill. Its so frustrating jare.I am waiting to hear from them again. The balance on my portal is now normal reflecting expected balance after redemption of funds, but I never see alert