₦airaland Forum

Bro, I only know Cardinal and Zrosk. However, check out GTB equity. You can also try the Quantum Zenith ESG fund.

Smattrader:
Is there any other platform worthy of trying aside from them with lower minimum as capital?

Yes, the NAV on Friday usually resets itself to the weekend rate; thus, there is no fluctuation or high NAV. Top up around 4-5 p.m. Nigerian time on Fridays.

Iamblessed88:
Ahaaa got it. What’s the rationale behind entering on Friday? Is it to beat the NAV

EquityM:
Yes, the NAV on Friday usually resets itself to the weekend rate; thus, there is no fluctuation or high NAV. Top up around 4-5 p.m. Nigerian time on Fridays.

Amazing. Just wondering why the YTD returns always falls behind MMF when in one day you can realize several days worth of MMF earnings

EquityM:
Bro, I only know Cardinal and Zrosk. However, check out GTB equity.

Ok, bro.

Gratefulme:
If your body no full no enter. I see equity as a gamble, u can win or lose. For instance I invested in CD equity 16th Jan with 1m. Days were green or red. I just broken even at market close yesterday. So I'm back at 1m plus #250 gain 😃. Now if that was mmf, return would definitely be more than that. I also invested in afrinvest and they are worse.
Bottom line, if you ain't a medium/long term investor with patient money, equity is not for you.

Not absolutely so. I invested same cash in trustbanc mmf and CD equity almost same period...I have more in equity as of now

As at 2 days ago mmf was more sha

The YTD might be for the dividend payout; however, the NAV is tied to the capital growth. If you want to cash out, make sure the NAV is high on that day so you can make a lot of profit. Bonds have a lot of channels, such as coupon, peak period, and dividend payout.

Iamblessed88:
Amazing. Just wondering why the YTD returns always falls behind MMF when in one day you can realize several days worth of MMF earnings

EquityM:
The YTD might be for the dividend payout; however, the NAV is tied to the capital growth. If you want to cash out, make sure the NAV is high on that day so you can make a lot of profit. Bonds have a lot of channels, such as coupon, peak period, and dividend payout.

Mehn, this is awesome and not talked about alot. It’s almost like equity but with less risk

You nailed it, chief; it's equity in disguise with less risk and almost the same returns. Since the USD is devaluing, I read that most white folks are moving their funds from equity to bonds. Most fund managers do not want us to invest in a fixed income fund, as they themselves are profiting from it and making us believe that MMF is the answer. I'm currently in the Zenith income fund; there's no red day, and the return is slightly lower than MMF. Something is fishy, and I seem not to understand these fund managers. One bond sees red and pays highly, one pays more without red, and one pays less.

Iamblessed88:
Mehn, this is awesome and not talked about alot. It’s almost like equity but with less risk

EquityM:
You nailed it, chief; it's equity in disguise with less risk and almost the same returns. Since the USD is devaluing, I read that most white folks are moving their funds from equity to bonds. Most fund managers do not want us to invest in a fixed income fund, as they themselves are profiting from it and making us believe that MMF is the answer. I'm currently in the Zenith income fund; there's no red day, and the return is slightly lower than MMF. Something is fishy, and I seem not to understand these fund managers. One bond sees red and pays highly, one pays more without red, and one pays less.

Interesting. It’s a rabbit hole that runs deep. Bonds should be bonds everywhere but it appears they come with different flavours.

From what im seeing, MMF pales in comparison to fixed
income. I tried the CD fixed income alpha with 100k and my one night returns would have resulted to about 5 days earnings in MMF if i had deployed all my capital.

What i dont know for sure is if red days will wipe out all the gains and even eat into capital lol

A red day might be aggressive; however, it's like equity, patience, and timing. I don't recommend going all into a fixed income fund; however, you're going to make huge money if your portfolio is fully funded. Red days might go deep into your capital; however, it is good if you buy more during the red days, as you get more units, which in turn pay more dividends. Lastly, red days can't wipe your capital, but it can go deep into the capital; nevertheless, green days will rebalance it and the peak period days. Attached are the red days; the following week was all green.

Iamblessed88:
It’s a rabbit hole that runs deep. Bonds should be bonds everywhere but it appears they come with different flavours.

From what im seeing, mutual funds pales in comparison to fixed
income. I tried the CD fixed income alpha with 100k and my one night returns would have resulted to about 5 days earnings in MMF if i had deployed all my capital.

What i dont know for sure is if red days will wipe out all the gains and even eat into capital lol

EquityM:
You nailed it, chief; it's equity in disguise with less risk and almost the same returns. Since the USD is devaluing, I read that most white folks are moving their funds from equity to bonds. Most fund managers do not want us to invest in a fixed income fund, as they themselves are profiting from it and making us believe that MMF is the answer. I'm currently in the Zenith income fund; there's no red day, and the return is slightly lower than MMF. Something is fishy, and I seem not to understand these fund managers. One bond sees red and pays highly, one pays more without red, and one pays less.

How can you say fixed income is equity in disguise with almost same returns as equity when their annualised yeild have never even crossed 20%?

That statement should be to mmf and not equity IMO

EquityM:
A red day might be aggressive; however, it's like equity, patience, and timing. I don't recommend going all into a fixed income fund; however, you're going to make huge money if your portfolio is fully funded. Red days might go deep into your capital; however, it is good if you buy more during the red days, as you get more units, which in turn pay more dividends. Lastly, red days can't wipe your capital, but it can go deep into the capital; nevertheless, green days will rebalance it and the peak period days. Attached are the red days; the following week was all green.

100% Bro. You’re right. Moderation is key. It shall be a good year

Curious, are you a finance professional? The things you say are straight up CFA standard

Salarys:
How can you say dem fixed income is equity in disguise with almost same returns as equity when their annualised yeild have never even crossed 20%?

That statement should be to mmf and not equity IMO

There is a way they compute the annualized yield that does not fully represent your entire earnings. Like EquityM said, Earnings come from coupons; peak periods and dividends. The annualized yield you see there for Fixed Income does not encompass all these

Bro, calculate the daily returns, and you will see that the YTD is a hoax. If I should sell my units now, I will be taking 3k+ gains, which I made in five days with 100k+ capital. Once NAV is involved, don't underestimate it. The 53 naira you see are weekend earnings.

Salarys:
How can you say fixed income is equity in disguise with almost same returns as equity when their annualised yeild have never even crossed 20%?

That statement should be to mmf and not equity IMO

Chief, I studied logistics and supply chain management, in which I had to study several accounting courses. Living in Asia as well makes your head think about calculations.

Iamblessed88:
100% Bro. You’re right. Moderation is key. It shall be a good year

Curious, are you a finance professional? The things you say are straight up CFA standard

Chief....the truth is MMF is just for people that don't want risk....

My 5M in Stanbic gives me about 2,100 per day...

I have decided to stop putting my money there for now....

Even, I used my daughter's money to invest in GTbank for her.....

The money in GTBank equity is half the money in there MMF....I started 22nd of January....yield in far more than that of MMF and the yield in balanced fund, which was same capital with the equity is just trailing behind the MMF.... remember MMF amount was DOUBLE....

I have decided to risk equity and fixed income for now....I didn't put in much....just 100K each....

EquityM:
Bro, calculate the daily returns, and you will see that the YTD is a hoax. If I should sell my units now, I will be taking 3k+ gains, which I made in five days with 100k+ capital. Once NAV is involved, don't underestimate it. The 53 naira you see are weekend earnings.

Cool. I respect you being a woman and taking financial risks. May God make us successful. My 8M in CardinalStone equity last December returned 500k+ at the end of January. Like you mentioned earlier, it's all about risk.

LoriHamo:
Chief....the truth is MMF is just for people that don't want risk....

My 5M in Stanbic gives me about 2,100 per day...

I have decided to stop putting my money there for now....

Even, I used my daughter's money to invest in GTbank for her.....

The money in GTBank equity is half the money in there MMF....I started 22nd of January....yield in far more than that of MMF and the yield in balanced fund, which was same capital with the equity is just trailing behind the MMF.... remember MMF amount was DOUBLE....

I have decided to risk equity and fixed income for now....I didn't put in much....just 100K each....

LoriHamo:
Chief....the truth is MMF is just for people that don't want risk....

My 5M in Stanbic gives me about 2,100 per day...

I have decided to stop putting my money there for now....

Even, I used my daughter's money to invest in GTbank for her.....

The money in GTBank equity is half the money in there MMF....I started 22nd of January....yield in far more than that of MMF and the yield in balanced fund, which was same capital with the equity is just trailing behind the MMF.... remember MMF amount was DOUBLE....

I have decided to risk equity and fixed income for now....I didn't put in much....just 100K each....

At GT Equity, how are the red days and greens ratio and what is the minimum capital?

I think she was referring to GTB Money market fund not Equity. But lets hear from her anyways

Smattrader:
At GT Equity, how are the red days and greens ratio and what is the minimum capital?

EquityM:
Chief, I studied logistics and supply chain management, in which I had to study several accounting courses. Living in Asia as well makes your head think about calculations.

Niceeeee

you are brave, You Just put money in an Equity fund where you can't see how it is doing daily. Zrosk equity is just 1 years old plus no working website to check them up aside social media page. You can't get update about investment until the end of the month. You are very brave.

EquityM:
Minimum capital for Zrosk equity is 5M. Right now, they are building their website, so your portfolio statement will be sent to your email monthly. Attached is their WhatsApp; kindly reach out to them, and they will forward all the onboarding stuff.

I did my research diligently before entrusting my money there; anyway, my money is safe with them. Stanbic IBTC is the custodian, and Meristem is the trustee to the funds; that alone has convinced me that Zrosk is legit, and moreover, according to the SEC website, they have the highest funds in the equity portfolio, 9B+.

Youtodo:
you are brave, You Just put money in an Equity fund where you can't see how it is doing daily. Zrosk equity is just 1 years old plus no working website to check them up aside social media page. You can't get update about investment until the end of the month. You are very brave.

It is the GTB equity income fund. They did around 80% last year.

mikeayus:
I think she was referring to the GTB Money market fund not Equity. But lets hear from her anyways

Great you have done your research. Thanks for keeping this thread going. learning a lot here.

EquityM:
I did my research diligently before entrusting my money there; anyway, my money is safe with them. Stanbic IBTC is the custodian, and Meristem is the trustee to the funds; that alone has convinced me that Zrosk is legit, and moreover, according to the SEC website, they have the highest funds in the equity portfolio, 9B+.

Of course, I can't put 9.5m+ into a Ponzi scheme. I'm also using TrustBanc directly, and they send me my statement weekly. I had trust issues with them at first; after doing back-and-forth withdrawal and my research, I let go of my worries.

Youtodo:
Great you have done your research. Thanks for keeping this thread going. learning a lot here.

LoriHamo:
Chief....the truth is MMF is just for people that don't want risk....

My 5M in Stanbic gives me about 2,100 per day...

I have decided to stop putting my money there for now....

Even, I used my daughter's money to invest in GTbank for her.....

The money in GTBank equity is half the money in there MMF....I started 22nd of January....yield in far more than that of MMF and the yield in balanced fund, which was same capital with the equity is just trailing behind the MMF.... remember MMF amount was DOUBLE....

I have decided to risk equity and fixed income for now....I didn't put in much....just 100K each....

What's the ytd of gtb?

EquityM:
I did my research diligently before entrusting my money there; anyway, my money is safe with them. Stanbic IBTC is the custodian, and Meristem is the trustee to the funds; that alone has convinced me that Zrosk is legit, and moreover, according to the SEC website, they have the highest funds in the equity portfolio, 9B+.

What of halo equity? Any info about them? They had the highest ytd on equity last year.

Bro, Halo is shady, and I don't think they can meet the SEC recapitalization. I checked their total portfolio value; it's not up to 200M. Try and open GTB, or go with CardinalStone if you don't mind their huge weight on the oil sector.

Gratefulme:
What of halo equity? Any info about them? They had the highest ytd on equity last year.

EquityM:
Bro, Halo is shady, and I don't think they can meet the SEC recapitalization. I checked their total portfolio value; it's not up to 200M. Try and open GTB, or go with CardinalStone if you don't mind their huge weight on the oil sector.

You're right about the recapitalization tho. I'm researching gtb. Their rates ain't posted on the web. Do u have an idea?

mikeayus:
I think she was referring to GTB Money market fund not Equity. But lets hear from her anyways

My bad. That was what I wanted to write - Fixed income.

Modified ; she actually meant ' Equity ".

Cross check are comment.

No, check out Zrosk; they sent me my valuation statement and portfolio performance.

Gratefulme:
You're right about the recapitalization, though. I'm researching gtb. Their rates ain't posted on the web. Do u have an idea?

I have reached a boiling point with DLM.
@EquityM, for your info would you believe that DLM has yet to onboard me and credit my account since?


Latest tomorrow, I am going to reques for my money. I have already lost a lot of money, but my fixed income with CS is generating interest.