₦airaland Forum

ojeysky:
Honestly Ellah has a good opportunity to be responsible and be the 3rd power after Presco and Okumo else zichis will take over from them

Abe careful with the bolded.

thebargainhunte:
Chai! See people making it big, but I haven't even break even after losing so much in Oando gambling. I just made little money in Dansugar cos I bought them at a very high price last 2 years plus, then my caverton has been stagnant for a while. I dey jealous Una wey dey make am here, I dunno na village people dey my case.

We all make mistakes bro, I bought some stupid shares but after a while if they are not progressing I sell it. Stop buying cheap stocks, play with the big players.

Prosper307:
N2,400 ke. Be sure of what you are buying oo. Hope you aren't buying those ones that are mixed with local dye?
Better to buy original Okomu banger oil oo.
Feed the body that makes the money with better original banger oil o.
Health is Wealth oo!!!

Oga i am street. I don't live in elite class. I am talking of original palm oil.Infact special grade hand produced and not machine produced if you sabi oil.Infact I ordered a special type if you are igbo.Thr is this spec we call ojukwu fruit. It is reverend in igbo land to have special potent. It is 3k for 1. 5 litter .The 25 litte of normal oil is presently 35k

Come and tell us. Not sure what to do next week

Agbalowomeri:
Optimism guage

What would smart money do next week?

emmanuelewumi:
Core value investors don't consider growth. Once the PE is high they assume the stock is overpriced.

Peter Lynch's concept of ) Growth At a Reasonable Price) is aimed at merging value investing and growth investing.

felt you meant net-net hunters that only works in over-depressed market. If not hyperinflation presco won't have looked so great, the entire market not so impressive. Most Nigeria companies not growing in dollars terms as we are currently pricing them currently. I enjoy wealth creation with greed.

OANDO

Listed shares ~ 12,431,412,481
Treasury = 3,617,677,798
OS = 8,813,734,202
RI = 4,415,867,342
D-to-E = 9,000,000,000 ( $300m = ₦450bn @₦1500/$) of RBL is converted to equity @SP of ₦50 = 9bn units)

Eventual OS could be up to 22,247,602,026 (aside PP and treasury)

Damn!

Sunrisepebble:
Come and tell us. Not sure what to do next week

"The play is simple: Liquidity. Capital is fleeing negative real rates and low yields, and with the SEC enforcing recapitalization for insurance and pension funds, that money has nowhere else to go but equities. This unnatural liquidity could push the market as high as 250,000 points.
​However, investors should be careful. This rally is built on high-rate portfolio flows, not real Foreign Direct Investment (FDI) in the real sector. It’s a bubble. The trigger for the crash will likely be the new US Fed cycle, once that kicks in over the next 12 months, capital flight will resume. We are still battling the systemic rot left by Emefiele, and the government is fiscally handicapped. Tread carefully."

Will the funds from the RI clear the negative equity position ?

KarlTom:
OANDO

Listed shares ~ 12,431,412,481
Treasury = 3,617,677,798
OS = 8,813,734,202
RI = 4,415,867,342
D-to-E = 9,000,000,000 ( $300m = ₦450bn @₦1500/$) of RBL is converted to equity @SP of ₦50 = 9bn units)

Eventual OS could be up to 22,247,602,026 (aside PP and treasury)

Damn!

Honestly, and I say this respectfully, given your questions, please try not to borrow any money. Not even against your stocks. Most people will lose money they borrow at such high rates. Just redeem your money market funds jeje.

Don't go chasing waterfalls
Please stick to the rivers and the lakes that you're used to

Abbasmh:
Thank you sir.

However, if I'm to borrow against my stocks, what is the best way to approach it, since ARM doesn't offer it

starpower:
felt you meant net-net hunters that only works in over-depressed market. If not hyperinflation presco won't have looked so great, the entire market not so impressive. Most Nigeria companies not growing in dollars terms as we are currently pricing them currently. I enjoy wealth creation with greed.

Not referring to net net hunters. We have core value investors that can never buy stocks above a certain PE ratio or Price Book Value.

Benjamin Graham the author of Intelligent Investor, never bought stocks with a PE of above 15 and Price Book Value of 1.5.


Haba how can you say Presco did not grow in dollar terms.

Sunrisepebble:
Will the funds from the RI clear the negative equity position ?

I don't think so, fund from the right offer is roughly N200 billion

HesInMe:
Honestly, and I say this respectfully, given your questions, please try not to borrow any money. Not even against your stocks. Most people will lose money they borrow at such high rates. Just redeem your money market funds jeje.

Don't go chasing waterfalls
Please stick to the rivers and the lakes that you're used to

You have no information concerning his cash flow na.

Might need the loan for an urgent business or investment opportunity.


If he has predictable cash flow ,the loan is not more twice of his total annual income and the loan value is less than 30% of his portfolio I don't think there is a big deal if he gets a loan

Na wa

emmanuelewumi:
I don't think so, fund from the right offer is roughly N200 billion

HesInMe:
Honestly, and I say this respectfully, given your questions, please try not to borrow any money. Not even against your stocks. Most people will lose money they borrow at such high rates. Just redeem your money market funds jeje.

Don't go chasing waterfalls
Please stick to the rivers and the lakes that you're used to

Na wa o. Why are people so scared of loan??

Its even advisable he takes the smart loan against his MMF in as much as he has the cash flow to repay the loan monthly. That way, his MMF investment remains and keeps growing while he pays back his loan monthly...

ok think of it this way, if he had a property, say land, and he uses it for security to obtain a loan for an investment, he just need to have cash flow to payback...

For me, I will take the Smart loan against the MMF to meet the immediate need for cash since I have the cash flow to payback gradually.

It's not about being scared of loan. There are "good" debts and bad debts. Can someone make it make sense why you take a 23% loan when you have a MMF yielding 17%? Meaning -5% loss. MMF by nature are easily liquid and its not like they rise in value. You only lose out on the profit, but if you need money that saves you from a net loss of 5% by taking another loan. It is a different case if you have a good stock that is awaiting a catalyst soon and you do not want to pull out before the news.

gabscity:
Na wa o. Why are people so scared of loan??

Its even advisable he takes the smart loan against his MMF in as much as he has the cash flow to repay the loan monthly. That way, his MMF investment remains and keeps growing while he pays back his loan monthly...

ok think of it this way, if he had a property, say land, and he uses it for security to obtain a loan for an investment, he just need to have cash flow to payback...

For me, I will take the Smart loan against the MMF to meet the immediate need for cash since I have the cash flow to payback gradually.

Sunrisepebble:
Will the funds from the RI clear the negative equity position ?

The RI will almost clear the negative equity. But the additional debt-to-equity conversion will surely turn the equity position to positive

https://punchng.com/capital-gains-tax-hits-record-n522bn-in-2025/

The market is bullish again and people are no longer talking about CGT again....

pluto09:
https://punchng.com/capital-gains-tax-hits-record-n522bn-in-2025/

The market is bullish again and people are no longer talking about CGT again....

Will you voluntarily file and pay your CGT to govt at the end of the year?
Nobody will voluntarily file or pay the CGT.
People initially thought it would be deducted at source when you trade on the NGX but since it is now said to be voluntary, nobody would do it except for corporate organizations like institutional investors.

gabscity:
Na wa o. Why are people so scared of loan??

Its even advisable he takes the smart loan against his MMF in as much as he has the cash flow to repay the loan monthly. That way, his MMF investment remains and keeps growing while he pays back his loan monthly...

ok think of it this way, if he had a property, say land, and he uses it for security to obtain a loan for an investment, he just need to have cash flow to payback...

For me, I will take the Smart loan against the MMF to meet the immediate need for cash since I have the cash flow to payback gradually.

Stanbic IBTC Smart loans accept their mutual funds as collateral for loans.

It can be Money Market Fund, Dollar fund, Equity fund, Fixed income fund or Balance fund.

SonofElElyonRet:
Pa Emma, AwesomeJ, Mankind, Mega etc.. Awon Alagbara

You mean audio ?

mikeapollo:
Will you voluntarily file and pay your CGT to govt at the end of the year?
Nobody will voluntarily file or pay the CGT.
People initially thought it would be deducted at source when you trade on the NGX but since it is now said to be voluntary, nobody would do it except for corporate organizations like institutional investors.

Was that not part of the argument then.
Misinformation was at the core of opposition to the law.

emmanuelewumi:
Stanbic IBTC Smart loans accept their mutual funds as collateral for loans.

It can be Money Market Fund, Dollar fund, Equity fund, Fixed income fund or Balance fund.

Why would someone have money in MM that returns about 15% and go ahead to borrow money against it at around 26% to play the stock market?

Japaul Gold & Ventures Plc is undergoing a strategic transformation, anchored by a ₦26 billion sand mining contract with Gravitas Investment Limited for the Gracefield Island project in Lekki. This venture involves reclaiming 3.5 million cubic meters of land and serves as a critical financial bridge, providing guaranteed cash flow for the next 2 years. By diversifying its revenue stream through this large scale maritime and dredging project, the company is stabilizing its balance sheet while it transitions toward its primary goal of full scale gold production.
On the mining front, the company has confirmed inferred gold reserves of 637,000 ounces, currently valued at approximately $1.55 billion. With production projected to commence in 2026, Japaul is currently in the vital phase of installing custom made processing plants. This shift into the mining sector, paired with the global appeal of gold as an hedge, has made any technical updates regarding plant readiness a significant buy signal for long term speculators. Despite an 8% dip on Thursday that saw the price close at ₦2.29, as of the close on Friday, the stock had already bounced back significantly to ₦2.51, the broader market remains in a bullish streak with the All Share Index hitting record highs. If dip buyers capitalize on the current price point today, the stock could see a significant recovery. DYOR.

Agbalowomeri:
What if the 8 zeros is your interest on fixed deposit? Would you be happier?

Good morning Agba.

I hope it's not actually your annual interest that you refer to here.

If it's annual, I'm already there 🎉

Cos even with my current portfolio size, my earnings for H1 2026 will be in 9 digits, and H2 will double H1, especially if I keep my Q3 spendings in check.

The growth I seek is for the 8 zeros to be a consistent weekly earnings.

8 zeros will already be quarterly earnings by Q3 or Q4 this year. And it's tax free 🎉


Your own annual, should be 9 or 10 zeros based on your portfolio size.

Meanwhile, apart from PAYE taxes and CIT, e be like this tax regime will largely be same as old.
Cos bread prices are still the same. Mr Oyedele said bread will be cheaper as government would reimburse bakery owners for VAT they incurred on flour, butter, and sugar purchases, as well as VAT on diesel and machinery. I don't think any baker has started getting anything.


It's even that 0.08% stamp duty he said would be taken off stock market transactions that I was happiest about. That would have been like N1.5m extra income for me this Q1.

Abi 2 months never reach to begin see impact?? When most people expected complete radical changes beginning immediately the clock hit Jan 1st.

Inflation numbers due today, some people are projecting 13.xx

MPC is next week.

pluto09:
Was that not part of the argument then.
Misinformation was at the core of opposition to the law.

The "misinformation" came from Taiwo Oyedele himself, until the finance minister Wale Edun intervened to clarify issues and made Taiwo to start "changing mouth" to say another thing.
Taiwo's unguarded comments created most of the confusion.

KarlTom:
OANDO

Listed shares ~ 12,431,412,481
Treasury = 3,617,677,798
OS = 8,813,734,202
RI = 4,415,867,342
D-to-E = 9,000,000,000 ( $300m = ₦450bn @₦1500/$) of RBL is converted to equity @SP of ₦50 = 9bn units)

Eventual OS could be up to 22,247,602,026 (aside PP and treasury)

Damn!

I think rhey will also raise capital through long term debt e. g. debentures denominated in foreign currency.
My concern is what happens to the remainder shares for redistribution and how they will redistribute, if at all

awesomeJ:
Meanwhile, apart from PAYE taxes and CIT, e be like this tax regime will largely be same as old.
Cos bread prices are still the same. Mr Oyedele said bread will be cheaper as government would reimburse bakery owners for VAT they incurred on flour, butter, and sugar purchases, as well as VAT on diesel and machinery. I don't think any baker has started getting anything.


It's even that 0.08% stamp duty he said would be taken off stock market transactions that I was happiest about. That would have been like N1.5m extra income for me this Q1.

Abi 2 months never reach to begin see impact?? When most people expected complete radical changes beginning immediately the clock hit Jan 1st.

Maybe after the bread makers benefit from the reimbursement then reality will set in. Consumers should feel the effects after one year

mikeapollo:
You mean audio ?

No be audio ooo
Awon billion gang

pluto09:
Why would someone have money in MM that returns about 15% and go ahead to borrow money against it at around 26% to play the stock market?

Let me give you a scenario

You have 10m in MM which you put there because you didn't see any immediate opportunities in the stock market. Some months down the line you saw something that you suspect could earn you 50% give or take. You took a 5m loan at 26% for 6 months. You became lucky, you got your 50% profit in 3 months. You actually paid back your interest from the profit and pocketed over 2m without disturbing your core capital. Na win win