₦airaland Forum

Neurotika:
Not really a wise move. Unless liquidation and reinvestment are virtually instant, the idle days between both will wipe out any marginal compounding gain. The time out of market (even just two days) per cycle creates a cumulative drag that will erode your annual returns by roughly 7% annually, other things being equal. Your friend should be careful…

Gabriel411:
Run from stocks, invest in equity or mutual funds instead

kolamilan:
Do we have app for STL asset. I searched all through Google play store nothing was found.

Babygal2020:
Anyone still having funds with Stanbic? I neva gather morale leave them despite their low rate. I have more than 46M there.

enque:
Lol
We gather dey

Babygal2020:
Anyone still having funds with Stanbic? I neva gather morale leave them despite their low rate. I have more than 46M there.

Gabriel411:
Run from stocks, invest in equity or mutual funds instead

emmasoft:
Running from Stocks may be like running from Fortune

@Gabriel411, I'm very sure your advice is because of your perspective on stocks/equities.
Please understand that categorising investments into low, medium, or high risk does not mean one is better than the other. The purpose of these categories is simply to help investors understand what is involved before committing their money to any investment instrument.
All investments are good in their own way. Choosing where to invest depends on several factors, such as your age, risk appetite, investment objective, available capital, and level of knowledge.

For clarity, stocks and equities mean the same thing — the terms are used interchangeably. Apart from Money Market Funds (MMF), every other type of mutual fund carries varying levels of risk.

Globally, investment in good stocks has proven to be one of the most reliable and rewarding long-term strategies. Why do you think Forbes evaluates the world’s billionaires based largely on the value of their equity holdings?

That said, I always advise beginners to start with MMFs, build confidence, and then gradually move into stocks if their risk tolerance allows it.

When we say stocks are risky, it doesn’t mean your money disappears overnight. For example, someone who invested ₦45,000 in Guaranty Trust Bank (GTB) in 2025 and now has about ₦120,000 in less than a year would strongly disagree that stocks should be avoided. At the same time, it’s also possible for ₦45,000 invested in 2025 to drop to ₦10,000 in 2026 — that’s the nature of equities. Patience and a long-term approach are key.

I know an investor who bought Okomu Oil Palm Company shares many years ago at ₦38 per share. The stock later dropped to ₦12 per share, but he didn’t sell. Today, the price is over ₦1,000 per share — not to mention all the dividends he has received over the years.

One thing I’ve observed is that people who don’t fully understand how stocks work often condemn them outright without proper knowledge.

If many of us here truly understood how the stock market works, we might shift more attention there.

That said, always do what you are comfortable with — but also understand that what feels comfortable is not always what is best for long-term growth.

As Warren Buffett famously says:

Rule No. 1: Don’t lose money.
Rule No. 2: Don’t forget Rule No. 1.

Long-term investing, discipline, and knowledge make the difference.

Making money without tears is our goal!

welzyj2:
Add in consideration the penalties of 10% on your interest for redemption b4 90days.

Chances of loosing a day interest is 60% certain even if it's via cowrywise and you do all timeously.

The only way this strategy makes sense to me is if you moving minimum of 10m. If not it's just a couple of small change for plenty exercise monthly.

Better still put your cash in a more rewarding vehicle.

@Preator

yesloaded:
Till date, STANBIC still gat the lion share when it comes to mmf investors 😂

You can withdraw some part of your funds after Feb meeting if things no change for the better with STANBIC MMF

Gabriel411:
The people who truly succeed in the stock market are usually active traders. It’s hard to see significant gains just holding a single stock for years. Instead, it may be wiser to invest in a well-managed equity or mutual fund for better long-term growth potential.

emmasoft:
Running from Stocks may be like running from Fortune

@Gabriel411, I'm very sure your advice is because of your perspective on stocks/equities.
Please understand that categorising investments into low, medium, or high risk does not mean one is better than the other. The purpose of these categories is simply to help investors understand what is involved before committing their money to any investment instrument.
All investments are good in their own way. Choosing where to invest depends on several factors, such as your age, risk appetite, investment objective, available capital, and level of knowledge.

For clarity, stocks and equities mean the same thing — the terms are used interchangeably. Apart from Money Market Funds (MMF), every other type of mutual fund carries varying levels of risk.

Globally, investment in good stocks has proven to be one of the most reliable and rewarding long-term strategies. Why do you think Forbes evaluates the world’s billionaires based largely on the value of their equity holdings?

That said, I always advise beginners to start with MMFs, build confidence, and then gradually move into stocks if their risk tolerance allows it.

When we say stocks are risky, it doesn’t mean your money disappears overnight. For example, someone who invested ₦45,000 in Guaranty Trust Bank (GTB) in 2025 and now has about ₦120,000 in less than a year would strongly disagree that stocks should be avoided. At the same time, it’s also possible for ₦45,000 invested in 2025 to drop to ₦10,000 in 2026 — that’s the nature of equities. Patience and a long-term approach are key.

I know an investor who bought Okomu Oil Palm Company shares many years ago at ₦38 per share. The stock later dropped to ₦12 per share, but he didn’t sell. Today, the price is over ₦1,000 per share — not to mention all the dividends he has received over the years.

One thing I’ve observed is that people who don’t fully understand how stocks work often condemn them outright without proper knowledge.

If many of us here truly understood how the stock market works, we might shift more attention there.

That said, always do what you are comfortable with — but also understand that what feels comfortable is not always what is best for long-term growth.

As Warren Buffett famously says:

Rule No. 1: Don’t lose money.
Rule No. 2: Don’t forget Rule No. 1.

Long-term investing, discipline, and knowledge make the difference.

Making money without tears is our goal!

Babygal2020:
Anyone still having funds with Stanbic? I neva gather morale leave them despite their low rate. I have more than 46M there.

Preator:
Are there fund managers that do 90 days lock in for MMF? I know of 25% of earned interest if you withdraw before 30days.

Babygal2020:
Anyone still having funds with Stanbic? I neva gather morale leave them despite their low rate. I have more than 46M there.

jp130:
I'm still with them with small change. However, if I'm heavy with them, I would divest like 20% and test others for at least a year.
GTB did 19% yesterday

Babygal2020:
Anyone still having funds with Stanbic? I neva gather morale leave them despite their low rate. I have more than 46M there.

suckprick:
I advise you leave your money there. I know all fund asset management carries equal risk but stanbic has the highest liquidity amongst all. I know someone that has 1.4b+ there but refused to put even 10m in others. When I asked, he said stanbic na institutional asset management, others na mostly for individuals (I don'tknow what that means). I have my biggest investment in stanbic too but I also diversified to cowrywise with lesser fund.

N.B: I am not associated with stanbic in any way except for being an investor like everyone of us so this is not a promotion or advert for stanbic asset management. DYOR

Bluearrow:
I don't think it is a wise decision putting all that amount in Stanbic. He should put part in cardinal stone, cardinal stone is big too. I doubt if Stanbic liquidity is more than that of cardinal stone. I always advise people, once your money is more than 50m, use more than one fund manager. Any day Stanbic encounter downtime & he needs quick access to cash, he will be stranded ontop 1.4b.

Bluearrow:
I don't think it is a wise decision putting all that amount in Stanbic. He should put part in cardinal stone, cardinal stone is big too. I doubt if Stanbic liquidity is more than that of cardinal stone. I always advise people, once your money is more than 50m, use more than one fund manager. Any day Stanbic encounter downtime & he needs quick access to cash, he will be stranded ontop 1.4b.

Bluearrow:
I don't think it is a wise decision putting all that amount in Stanbic. He should put part in cardinal stone, cardinal stone is big too. I doubt if Stanbic liquidity is more than that of cardinal stone. I always advise people, once your money is more than 50m, use more than one fund manager. Any day Stanbic encounter downtime & he needs quick access to cash, he will be stranded ontop 1.4b.

Babygal2020:
Anyone still having funds with Stanbic? I neva gather morale leave them despite their low rate. I have more than 46M there.

Gabriel411:
Run from stocks, invest in equity or mutual funds instead

Creditalerts:
click on the link on my signature for STL MMF

LoriHamo:
Boss mî.....Cowrywise has "nicodemusly" made their rate HIGHER that those pulled funds....buhahahahaha

I was monitoring them since and was actually anticipating that....😀😀😀

The hustle for investors money is REAL

Babygal2020:
Anyone still having funds with Stanbic? I neva gather morale leave them despite their low rate. I have more than 46M there.

Creditalerts:
TODAY'S RATE


STANBIC 15.49%🙂🤑

FAAM (FirstAlly) 17.59%😁🤑

STL MMF. 20.13% 🔥 🔥 🔥🤑🤑🤑

TRUSTBANC 19.55%🤑🤑🤑





Kindly Click on my signature to register for STL MMF thank you🙂

Creditalerts:
TODAY'S RATE


STANBIC 15.49%🙂🤑

FAAM (FirstAlly) 17.59%😁🤑

STL MMF. 20.13% 🔥 🔥 🔥🤑🤑🤑

TRUSTBANC 19.55%🤑🤑🤑


Kindly Click on my signature to register for STL MMF thank you🙂