₦airaland Forum

TODAY'S RATE


STANBIC 15.50%🙂🤑

FAAM (FirstAlly) 17.72%😁🤑

STL MMF. 20.13% 🔥 🔥 🔥🤑🤑🤑

TRUSTBANC 19.60%🤑🤑🤑


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

arantess:
Babygal2020:
Anyone still having funds with Stanbic? I neva gather morale leave them despite their low rate. I have more than 46M there.
they are solid with deep tap root

Move it to an equity fund and leave it there for one year 😊😊😊

Batman2412:
So I decided to donate 100k to cowrywise equity on 17th February 2026. It was posted immediately and before you could say agbalumo, I already lost 612 bucks. @ 21.68% oh. So let's see how long it will take for the 100k to finish. Invest in equity with only money you can afford to lose

By the way, always expect a dip when you fund an equity fund.

1. There are charges such as brokerage fees, SEC fees, stamp duty etc that has to be paid from your deposit so it will reduce what you see.

2. Funds have two prices. A buy and sell price. Imagine you enter GTbank to deposit buy USD but to be credited to your account. You will see a sell price (lets say 1450) and a buy price of 1430. The sell price is how much they will sell 1 unit to you. So you pay them 1 unit. But when they credit the 1 unit to gour account, they will show the naira equivalent at the price they will buy from you which is 1430. You still have 1usd in your account, just that the bank will only buy at 1430.

Same thing happens with fund. They sell to you higher but display your asset value at the lower buy price. Quantity remains same. It's a paper loss until u sell.

Creditalerts:
TODAY'S RATE


STANBIC 15.50%🙂🤑

FAAM (FirstAlly) 17.72%😁🤑

STL MMF. 20.13% 🔥 🔥 🔥🤑🤑🤑

TRUSTBANC 19.60%🤑🤑🤑


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

I wanted to confirm from you. I have registered with STL but I don’t seem to understand them. They post icon to download their apps but not working. I have not been able to see their app in playstore. Is that how they operate

What are the risks please.Or will the return of #27,162 will decrease?. Just want to know.

ezegold4we:
Cardinalstone Equity fund is doing well,i invested #1,013,000 on 9th February and yesterday 10th February,daily return of 2.68% which is #27,162 making it a total of
#1,040,164,
Thats amazing. Let's see what today 11th February rate will bring,

Also cardinalstone balanced fund did well yesterday,i invested #1,008, 000 on 9th February and it yielded #23,000 yesterday 10th, that's 2.28% return, let's see how today 11th February will perform,

We will not only share our winnings, ₦5000 was lost yesterday on the investment of #1,008,500 into cardinalstone alpha fixed income fund bringing down the total funds invested to #1,003,588

I will share the screenshots for emphasis,

But in all, I'm still winning,

Also my cardinalstone money market fund did well yesterday, that's the MMF, it has been doing well since early last year, in this one, you will never see a lost of any kind in ur invested capital but rather every day daily returns,atimes high and sometimes low, that's my major one, i will not share the screenshot here for personal reasons,

I'm only sharing these ones to encourage those that wants to invest into Equity fund, fixed income alpha fund and balanced funds,pls don't take it as a financial advice, do your due diligence and understand the risks and benefits involved before investing.

Are you sure it's Stanbic equity fund you subscribed to that haven't gotten back to initial 500k u invested? because Stanbic equity have been doing great this week

I lost about 6k+ in Stanbic Imaan (500k) when I first deposited(494k reflected in my portfolio)

.... after that days trading it yielded about 19k .... effectively balancing it (512k)

Lost more in equity same 500k investment and 493k reflected....I haven't gotten back to 500k yet...

In cowrywise.....I experienced same with Afrivest.....the funds land incomplete

Lol[/quote]

Bababull:
What are the risks please.Or will the return of #27,162 will decrease?. Just want to know.

just leave the funds for a while (at least 1-year or till it recovers). You mostly would loose if you rush to widthdraw. Your money could fall from 100 naira all the way to 30 naira and start climbing back again and could even climb as high as 140 naira. That's the way equity operates.

I have been trying to access STL since yesterday but OTP is not dropping and they don't have app yet,how are you able to login to your account

Creditalerts:
TODAY'S RATE


STANBIC 15.50%🙂🤑

FAAM (FirstAlly) 17.72%😁🤑

STL MMF. 20.13% 🔥 🔥 🔥🤑🤑🤑

TRUSTBANC 19.60%🤑🤑🤑


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

Creditalerts:


As of late January 2025, the Nigerian Securities and Exchange Commission (SEC) has not approved Risevest (Risevest Technologies Limited or Risevest Cooperative Multipurpose Society Limited) to operate in the Nigerian capital market.
SEC Warning (Jan 2025): The SEC issued a notice identifying Risevest as an unregistered entity and advised the public to refrain from engaging with it due to high fraud risks.
Risevest's Position: Risevest claims its Cooperative Society is registered under Lagos State laws and its Nigerian operations are supported by licensed partners like Meristem Trustees Limited and Chaka Technologies Limited.
Safety of Funds: The SEC has classified Risevest as an illegal operator, despite Risevest's assertions of compliance and safety.



As far as I'm concerned any non sec approved is a ponzi scheme

I was hoping you would update us now that Risevest has been licensed by SEC. Risevest is fully license and they are not ponzi. Be honorable and do the needful update

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

If you want to diversify, Risevest’s rates are great and there is an official announcement as to their SEC licensing status. Let me know if you’re interested.

@ Bababull, as at 19th February,the screenshot below is the current status of the cardinalstone Equity funds invested with #1,013,000 on 9th February 2026,

Bababull:
What are the risks please.Or will the return of #27,162 will decrease?. Just want to know.

Yes please....I can drop screen shot

It only topped 500k yesterday (Thursday 19/02) after trading please...

There was no RED since Tuesday but marginal GREEN.....2k, 3k.... It did 10k yesterday and balanced up...

cyrilex202:
Are you sure it's Stanbic equity fund you subscribed to that haven't gotten back to initial 500k u invested? because Stanbic equity have been doing great this week

I lost about 6k+ in Stanbic Imaan (500k) when I first deposited(494k reflected in my portfolio)

.... after that days trading it yielded about 19k .... effectively balancing it (512k)

Lost more in equity same 500k investment and 493k reflected....I haven't gotten back to 500k yet...

In cowrywise.....I experienced same with Afrivest.....the funds land incomplete

Lol

Thanks for the feedback because i started Stanbic equity fund last week Friday. With Tuesday profit alone it covered for the looses I recorded. Let's enjoy the ride as we look forward for massive profit today.

LoriHamo:
Yes please....I can drop screen shot

It only topped 500k yesterday (Thursday 19/02) after trading please...

There was no RED since Tuesday but marginal GREEN.....2k, 3k.... It did 10k yesterday and balanced up...

ezegold4we:
@ Bababull, as at 19th February,the screenshot below is the current status of the cardinalstone Equity funds invested with #1,013,000 on 9th February 2026,

Una get mind o

Please how long does it take to get credited to your bank account after withdrawing from cowrywise. It's been hours.

amnwa:
Please how long does it take to get credited to your bank account after withdrawing from cowrywise. It's been hours.

24 hours plus a few minutes. There is a countdown timer

How has your experience been so far with First Ally HYIS Premium?
Any concerns so far. I want to go into it @ EquityM

EquityM:
Equity is not abracadabra; my 10.2M, which I started with Zrosk at the end of January, has already returned 1.8M to me as of today. Can MMF give that in 4 months with 10.2M capital? Patience and resilience are what make equity win.

Going well so far. Sign up and enjoy the monthly compounding.

geoeast:
How has your experience been so far with First Ally HYIS Premium?
Any concerns so far. I want to go into it @ EquityM

Thank you

EquityM:
Going well so far. Sign up and enjoy the monthly compounding.

cyrilex202:
Thanks for the feedback because i started Stanbic equity fund last week Friday. With Tuesday profit alone it covered for the looses I recorded. Let's enjoy the ride as we look forward for massive profit today.

Frankly, if anyone has funds they dont need till December in MMF, move 90% to an equity fund. You will be better off for it.

The ASI is now over 194.6k today(will likely hit 195k) and is on course to break the 200k barrier. Tap into those gains.

Secondly, there will likely be a rate cut on tuesday by the MPC. This means MMF yields will drop further with investors moving funds to equity further driving equity yields up.

Lastly, you can catch the dividends bubble between Apr and July when most company's start paying their div. Thats an extra 6-8% yield with a timed entry.

If Trumps attack Iran, price of nigerian oil giants will go up also pulling the ASI further up. There will be other impact of course including negative ones.

Of course there will be red days, but ultimately by year end, your equity will likely be more than 15% better than MMF.

So that 100k donated on the 17th February 2026 just made 1k5+ in 3 days. This 100k made 1k5 in mmf in 1 month. I love greens but hate reds

teeboi77:
I have been trying to access STL since yesterday but OTP is not dropping and they don't have app yet,how are you able to login to your account

try again is network glitch but rectify already too many rush 🤑

Makes a whole lot of sense

Preator:
Frankly, if anyone has funds they dont need till December in MMF, move 90% to an equity fund. You will be better off for it.

The ASI is now over 194.6k today(will likely hit 195k) and is on course to break the 200k barrier. Tap into those gains.

Secondly, there will likely be a rate cut on tuesday by the MPC. This means MMF yields will drop further with investors moving funds to equity further driving equity yields up.

Lastly, gou can catch the dividends bubble between Apr and July when most company's start paying their div. Thats an extra 6-8% yield with a timed entry.

If Trumps attack Iran, priice of nigerian oil giants will go up also pulling the ASI further up. There will be other impact of course including negative ones.

Of course there will be red days, but ultimately by year end, your equity will likely be more than 15% better than MMF.

Yes my Dear, you need another kind of mindset if you really want to invest and remain invested into Equity funds investment, it's not an all comers affair.

Babygal2020:
Una get mind o

ezegold4we:
Yes my Dear, you need another kind of mindset if you really want to invest and remain invested into Equity funds investment, it's not an all comers affair.

Wow

My risk appetite is low

Honestly all these people doing equity and stocks dey try. To me there's no difference between those things and sportybet. The both have same thing in common which is tendency to loose your money. Stories I have heard about stocks no nice at all. More grease to una elbow. I no dey do pass myself that's why I stick to MMF.😊

suckprick:
Honestly all these people doing equity and stocks dey try. To me there's no difference between those things and sportybet. The both have same thing in common which is tendency to loose your money. Stories I have heard about stocks no nice at all. More grease to una elbow. I no dey do pass myself that's why I stick to MMF.😊

Not for the faint hearted. Definitely not if you are hypertensive 😂

Unlike sportybet, you can still recover whatever you lost, if you wait long enough.

TODAY'S RATE


STANBIC 15.50%🙂🤑

FAAM (FirstAlly) 17.39%😁🤑

STL MMF. 20.11% 🔥 🔥 🔥🤑🤑🤑

TRUSTBANC 19.58%🤑🤑🤑


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

Babygal2020:
Una get mind o

if you have basic understanding of how things work, then you take calculated risk. You must not start with excessively huge funds; 100,000 naira is okay or even 50,000 naira sef. put it and for your own sake or at least your heart, try not to check if for at least 6-months and leave it there for at least 1-year. if you must check, just prepare your mind that it could be more or less BUT don't attempt to liquidate as that's when you really run at loss BUT if you let it be, it would recover in mst cases. na just time e need ELSE just remain with MMF jejely or do Commercial papers with trusted companies but even that sef get risk

Earlier this year, i said certain things including the fact most people would do MMF like it's HYIP or MMM and people said funny things BUT now, it's exactly what they doing.

Funny enough, just this month alone, have gotten into conversation with at least 2 different potential clients who want to build websites and apps that works like the likes of Stanbic IBTC, Norrenberger, firstAlly, etc. This ain't any different from what happened during the MMM boom because we sef follow develope and sell scripts.

once again, don't get carried away by high interest rates. Not saying every or any One of them intends deFrauding anyOne sha.

If it is not SEC APPROVED pls no put body o😁