₦airaland Forum

He didn't state the Alpha fixed income fund; I think he mistakenly mentioned a fixed income product, which is a fixed deposit of 5M.

LoriHamo:
I invested 100K on Monday

I don't understand this o o

Or do they operate two different fixed income

ezegold4we:
@EquityM and other's,

I believe the screenshoot from you is from cardinalstone fixed income,
I sent them an email this morning and below is what they replied by saying their minimum investment is five million naira,


We acknowledge receipt of your mail.
Please be informed that the minimum amount required to invest in our Fixed Income product is ₦5,000,000.

Best regards,

I used to be like you , I used to mixed them or choose the wrong fixed. Perhaps, you need a guidance to know or choose the right one on their platform.

The stocks in his portfolio are not heavily weighted on oil and gas like CardinalStone; if there is a profit taking going on, I usually see red a lot in Cardinal, and it usually takes days to bounce back.

Beeron:
what's funny is the guy didn't originally plan on starting a fund manager firm when he returned from U.K to Nigeria oooo. He came to be a VC and private Equity investor.

Along the way, he said, he was just spotting opportunities and how undervalued most Nigeria stocks were, that why he and his partner set up Zrosk. What's funny is he studied chemistry and his partner studied Engineering but they are both killing it in the financial market.

He finally moved his family from U.K back to Nigeria last year to be fully based here.

How was fixed income profit yesterday, bro?

Smattrader:
I used to be like you; I used to mixed them or choose the wrong fixed. Perhaps, you need a guidance to know or choose the right one on their platform.

EquityM:
How was fixed income profit yesterday, bro?

If you mean on CS it was a beauty to behold.

I was even doing the calculations using the daily MMF interest rate. Capital of 200k, using 366 days. (20.00%÷366×200,000)=110 daily gain. (110×7=770 weekly gains) With fixed income, just one bullish day will bring twice of what MMF will bring in a week; however, let's include red days. 2-3 green days are enough for a week, and even if red comes twice, the gains still beat MMF. Nevertheless, it still good to have MMF as savings for quick emergency stuff.

Iamblessed88:
Not bad atall

If you have extra cash, do a 5-10k top-up freestyle once a month. Try to open the GTB equity fund or just get back to Cardinal equity.

Smattrader:
If you mean on CS, it was a beauty to behold.

EquityM:
The stocks in his portfolio are not heavily weighted on oil and gas like CardinalStone; if there is a profit taking going on, I usually see red a lot in Cardinal, and it usually takes days to bounce back.

it wasn't a good year for oil and gas last year, however, the real trading will begin after the first quarter of this year. That's when we will know how stocks will perform.


2 years ago, the equity market started strong in January but didn't finish strong. But last year, it started weak and finished strong.


What is still going on right now is portfolio re-balancing till MPC holds meeting this month.

EquityM:
If you have extra cash, do a 5-10k top-up freestyle once a month. Try to open the GTB equity fund or get back to Cardinal equity.

That's right.
Made up my mind that, moving forward it will be the popular names/ones with a solid foundation and history with lots of research before I jump in, and GT happens to be one of the top in equity along with the solid foundation and history.

EquityM:
I was even doing the calculations using the daily MMF interest rate. Capital of 200k, using 366 days. (20.00%÷366×200,000)=110 daily gain. (110×7=770 weekly gains) With fixed income, just one bullish day will bring twice of what MMF will bring in a week; however, let's include red days. 2-3 green days are enough for a week, and even if red comes twice, the gains still beat MMF. Nevertheless, it still good to have MMF as savings for quick emergency stuff.

At 20% which is very generous; the daily rate on MMF is circa 0.0005. I totally agree with you. Once you see what fixed income is doing, you will loose appetite for MMF. Yesterday’s green alone would have been more than what i make in a month with MMF.

How easy is it to exit the fixed income though. Is redemption immediate. Also what was the dividend rate in January and have you experienced any peak day

I've made a withdrawal once, and I got my cash on the withdrawal day. The last dividend payment was 0.058 × current units. Lastly, my greens often come 3/4 times a week. Last week was all greens, while the week before had 4 reds, 3 little reds, and one huge red. The 78 naira you see on my screenshot—the opening value was 6000 naira, and I topped up around 5 pm to beat the NAV. The peak day came in January; my capital was 7k, and I saw 700 naira interest on that day.

Iamblessed88:
I totally agree with you. Once you see what fixed income is doing, you will loose appetite for MMF. Yesterday’s green alone would have been more than what i make in a month with MMF.

How easy is it to exit the fixed income though. Is redemption immediate. Seems you started in January, has the greens been more than the red. Also what was the dividend rate in January?

From my experience, bitter at that, with DLM, I learnt a great lesson and experience and this is from my research so far for one and a half days now?

Whether it's fixed funds, Equity, or even MMF and or anywhere you choose to invest your money ;

You must opt for one that has a long list of investments within its fund strategy or investment basket within a specific choice, E.g, CS fixed income, CS equity fund, or GT fixed income. For example, a deep look into CS fixed and why they are doing well is cos within their investment strategy of fixed they have a long list of investments within that industry they invest into, I mean, very long like no others( now that's numerous options and leverage ) that I haven't found anywhere or rather has touched. This equals hard work, commitment, and focus on investors' money and trust in them, and I think this is why they are doing well within that industry which is, Fixed income " like no other( I stand to be corrected ).

Summary, a long list of investment strategies or baskets within e.g, CS or GT fixed income shows how serious they are and mean business.
This is another way of saying, copy the winning team/platform strategy within any specific investment platform or instruction, equity for equity, MMF for MMF, fixed income for fixed income, etc. Too much time wasted on the sources and energy.

That is, if you can't beat them join them; if you don't want to put all your money into one basket, e.g, CS fund look for another manager that invests like them in their winning Fixed income fund.

EquityM:
I've made a withdrawal once, and I got my cash on the withdrawal day. The last dividend payment was 0.058 × current units. Lastly, my greens often come 3/4 times a week. Last week was all greens, while the week before had 4 reds, 3 little reds, and one huge red. The 78 naira you see on my screenshot—the opening value was 6000 naira, and I topped up around 5 pm to beat the NAV. The peak day came in January; my capital was 7k, and I saw 700 naira interest on that day.

Simply put ; top up when the NAV is red or down for gain.

EquityM:
Bro, there is another different fixed income product, which is 5M; tell them it's the Alpha fixed income fund.

You’re right. That’s the Fixed Note. That’s more like a fixed deposit with fixed rate depending on how long you want to fix

Please do you have an idea of ARM equity?....

I get 100k to try them.....

I just checked them out in cowrywise....

They did magic yesterday and they don pass Afrinvest for today

EquityM:
If you have extra cash, do a 5-10k top-up freestyle once a month. Try to open the GTB equity fund or just get back to Cardinal equity.

Sincerely.....I am prepared to deal with the red....MMF is children's play ground... hahahaha....

I got over 1K EACH in both Alpha fund and Afrinvest Equity yesterday for just 100K each in both funds

But got 2,100 from 5M in Stanbic MMF...

Lolololololo

EquityM:
I've made a withdrawal once, and I got my cash on the withdrawal day. The last dividend payment was 0.058 × current units. Lastly, my greens often come 3/4 times a week. Last week was all greens, while the week before had 4 reds, 3 little reds, and one huge red. The 78 naira you see on my screenshot—the opening value was 6000 naira, and I topped up around 5 pm to beat the NAV. The peak day came in January; my capital was 7k, and I saw 700 naira interest on that day.

ARM is really good; a guy on this thread is using them. Check page 2 or 3 and you will see his statement valuation.

LoriHamo:
Please do you have an idea of ARM equity?....

I get 100k to try them.....

I just checked them out in cowrywise....

They did magic yesterday and they don pass Afrinvest for today

Lol. Most fund managers are just using MMF to enrich their belly.

LoriHamo:
Please do you have an idea of ARM equity?....

I get 100k to try them.....

I just checked them out in cowrywise....

They did magic yesterday and they don pass Afrinvest for today

EquityM:
I've made a withdrawal once, and I got my cash on the withdrawal day. The last dividend payment was 0.058 × current units. Lastly, my greens often come 3/4 times a week. Last week was all greens, while the week before had 4 reds, 3 little reds, and one huge red. The 78 naira you see on my screenshot—the opening value was 6000 naira, and I topped up around 5 pm to beat the NAV. The peak day came in January; my capital was 7k, and I saw 700 naira interest on that day.

This performance is really nice. The greens are more and you would be in gain. On green days, It seems the NAV
moves to give you your earnings when you sell.

NAV can be lower than your earnings but not more

Yes, to sell, the NAV has to be high. The web provides a better insight on the NAV than the app. Early Jan is the best time to sell. The YTD is usually at 22% in Jan, which is the peak period. There are 4 peak periods in a year, and this happens when bonds are reissued, MPR announcements are made, and pricing adjustments are made. We are in for a roller coaster. Make sure if you want to sell, NAV should be around 1.16, 1.17, or 1.20.

Iamblessed88:
This performance is really nice. The greens are more and you would be in gain. On green days, It seems the NAV
moves to give you your earnings when you sell.

NAV can be lower than your earnings but not more

Dingo Banger. Serious money will drop tonight. CardinalStone and Zrosk subscribers, serious money will drop tonight.

Stanbic is the worst..15.37% even GTB is around 17%...
I was at Stanbic yesterday....I complained bitterly will conversing with the guy in charge of MMF...I told him I would be porting though...he mentioned about fund safety, I asked him if they are bigger than GTB


Tufiakwa those people.....I told him they take all the gain for themselves.....and they have the worst rate

EquityM:
Lol. Most fund managers are just using MMF to enrich their belly.

Lol, kindly port into fixed income and a little bit of equity; however, keep your MMF for urgent matters. Try and build a new portfolio with fixed income and equity. Be patient and you will reap the reward.

LoriHamo:
Stanbic is the worst..15.37% even GTB is around 17%...
I was at Stanbic yesterday....I complained bitterly will conversing with the guy in charge of MMF...I told him I would be porting though...he mentioned about fund safety, I asked him if they are bigger than GTB


Tufiakwa those people.....I told him they take all the gain for themselves.....and they have the worst rate

EquityM:
Lol, kindly port into fixed income and a little bit of equity; however, keep your MMF for urgent matters. Try and build a new portfolio with fixed income and equity. Be patient and you will reap the reward.

By this fixed income u mean the cs alpha fund right?

EquityM:
Yes, to sell, the NAV has to be high. The web provides a better insight on the NAV than the app. Early Jan is the best time to sell. The YTD is usually at 22% in Jan, which is the peak period. There are 4 peak periods in a year, and this happens when bonds are reissued, MPR announcements are made, and pricing adjustments are made. We are in for a roller coaster. Make sure if you want to sell, NAV should be around 1.16, 1.17, or 1.20.

I guess the fourth peak period is when dividends are declared. Nice one

Yes, bro. CardinalStone. This year might be a year of bonds, as the election is around the corner, and more borrowing will be initiated by the government.

Jayce242:
By this fixed income, you mean the cs alpha fund right?

Yes, dividend is what makes bonds attractive; you can choose to reinvest or just flex with it.

Iamblessed88:
I guess the fourth peak period is when dividends are declared. Nice one.

EquityM:
Yes, bro. CardinalStone. This year might be a year of bonds, as the election is around the corner, and more borrowing will be initiated by the government.

Between cs alpha fund & first ally 5m minimum premium, which has performed best so far from your observation. I'm considering focusing on one, instead of spreading funds. Thanks for creating this thread, it has really encourage a lot of us to consider other mutual fund options. It was all about mmf in the other mutual fund thread.

To say the fact, I will choose CS Alpha; I am only using HYIS premium for emergency and family drama. If you are looking for growth, try the fixed income fund. I have really tested it out; it will grow your capital, and you also get hidden benefits from it. I'm currently making around 6k+daily with the HYIS with 10m capital. Now imagine 200k is giving me 900+ and 2000+ daily with CS alpha; what will 10m do? Finally, it depends on your risk appetite.

Jayce242:
Between the CS Alpha Fund & first ally 5m minimum premium, which has performed best so far from your observation. I'm considering focusing on one, instead of spreading funds. Thanks for creating this thread, it has really encourage a lot of us to consider other mutual fund options. It was all about mmf in the other mutual fund thread.

The CS alpha, is it equity or fixed income fund. And the did you factor in the red days when you said you make 900+ and 2000+ daily from it?

EquityM:
To say the fact, I will choose CS Alpha; I am only using HYIS premium for emergency and family drama. If you are looking for growth, try the fixed income fund. I have really tested it out; it will grow your capital, and you also get hidden benefits from it. I'm currently making around 6k+daily with the HYIS with 10m capital. Now imagine 200k is giving me 900+ and 2000+ daily with CS alpha; what will 10m do? Finally, it depends on your risk appetite.

EquityM:
Yes, dividend is what makes bonds attractive; you can choose to reinvest or just flex with it.

Checked the NAV around 5pm and it was still 1.13. How does the reset work?

Please do well to give update on this. because I've studied their chart and is constantly on a raise. I'm thinking of investing in it next week. Those who both the Stanbic equity fund should pls update us aspiring new prospect

Jayce242:
I just started using Stanbic equity recently. The op of the thread has been using cardinal stone & has confirmed it is good too.