₦airaland Forum

Gratefulme:
I invested 200k to zenith equity on Jan 13. Right now I'm at 206,567k. What's more annoying is i dont even see how the money grows. Like the way CD updates % everyday. Might try the imaan or Ethical out.

playces:
I have not been able to add fund over a month I downloaded the cs alpha.

I have clicked 'Tap to try again' several times on the landing page, the error keeps showing as captured in the second image

EquityM:
Update your tax ID, bro. Delete the app and download it again; they just rolled out a new update. Nevertheless, if it is still not working, sign in using the web option.

https://mobile-web.cardinalstone.com/

playces:
I updated before i posted my last message.

Meanwhile lemme use the link u sent and try again

Thank you

Yeah. I have been able to top up with the Web option now. Think I will stick with that.

Concerning the cs alpha fixes income, can i buy at any time of the day?

j

EquityM:
Yes, something shady is going on.

Uberchic1:
Cs fixed income fund having 4% ytd is the highest I've seen. Others aren't even up to 2% yet. And with no minimum holding period. Amazing

Edit: minimum holding period of 90 days.

Gratefulme:
See ARM. I don't know how this YTD % differs. Its confusing. BTW the shariah/halal fixed income seems to be higher than regular fixed income across all fund managers.

EquityM:
Annualized yield is different from YTD. The YTD is the year-to-date return, meaning the period starting from the first day of the current calendar or fiscal year (e.g., Jan 1) up to the present date, while annualized returns project performance over a full 12-month period based on partial data. So YTD is for the current return, and "annualized" means yearly return. For any growth investment, choose YTD.
Gotcha thank you. Any thoughts on the halal funds

EquityM:
Yes, something shady is going on.

playces:
So which one is best to invest on equity fund. Cs I use stanbic too.

I have CS for fixed income now. Is CS better and more transparent than that stanbic for equity fund

Uberchic1:
For actual halal equity funds, stanbic Imaan fund closed with 84% ytd in 2025 and outperformed almost all the regular equity funds. I think only Halo equity fund beat it. Of course, past performance isn't a guarantee of future performance but they're doing well now.

Jayce242:
Can u share source of the bolded?
I don't think the 84% represent the entire year, probably just a short term period with high volatility & that doesn't mean halal equity outperformed the regular equity fund.

Uberchic1:
There are halal options for all mutual fund classes. I noticed they outperformed the regular funds in their classes last year. That arm halal balanced fund closed at 54% ytd for 2025 while other balanced funds closed below 50% ytd. It even outperformed some regular equity funds like Ucap equity. For actual halal equity funds, stanbic Imaan fund closed with 84% ytd in 2025 and outperformed almost all the regular equity funds. I think only Halo equity fund beat it. Of course, past performance isn't a guarantee of future performance but they're doing well now.

Gratefulme:
I'm liquidating my stanbic mmf, I'll try Imaan with some change and see. Just terrible stanbic don't show their ytd. They only show price of a unit

Gratefulme:
I'm liquidating my stanbic mmf, I'll try Imaan with some change and see. Just terrible stanbic don't show their ytd. They only show price of a unit

Uberchic1:
EquityM just posted the link to the sec site for the weekly valuation updates for all mutual funds in nigeria. Bookmark it.

https://sec.gov.ng/documents/1432/NAV-as-at-2nd-January-2026.xlsx is the direct link to the Jan 2nd 2026 update showing the ytd for funds at the end of 2025 and start of 2026.

EquityM:
I can't really say for now, as monthly performance does not beat the yearly performance; nevertheless, check the SEC Excel file for the best-performing equity fund managers in January. I'm currently using Zrosk; however, they are working on their website for now.

https://sec.gov.ng/for-operators/keep-track-of-capital-market-data/net-asset-value-data/weekly-net-asset-value-for-cis/2026-weekly-nav-for-cis/

Gratefulme:
ARM aggressive at 136%? Abi na typo 😁

Ensol:
My GTB Equity Feb 2nd was ₦10,183,016 by the end of the trading week Feb 6th ₦10,343,514. Is this interest gross or net?

Ensol:
My GTB Equity Feb 2nd was ₦10,183,016 by the end of the trading week Feb 6th ₦10,343,514. Is this interest gross or net?

geoeast:
Omo, Equity is sweet o. Such huge gains made in just one week. Less than one week gain in equity equals one month gain in money market fund

Salarys:
Same way such Huge loss can also be made in one week. One day even. That's equity for you.

It's a game of risk. Although fortune will always favour the bold. Think long term.

Ensol:
My GTB Equity Feb 2nd was ₦10,183,016 by the end of the trading week Feb 6th ₦10,343,514. Is this interest gross or net?