₦airaland Forum

LadyCaplin:
Good morning, my fellow investors!

Sirchiboy:
I can't find meristem on cowrise app

billyfranc:
Does TrustBanc or Cowrywise compound daily, monthly or quarterly? Which Mutual fund compounds daily or monthly? Also, How safe is funds invested with Trustbanc on their Prime app.
Please, help a newbie. I hope to make my first investment this week.

Beeron:
That's because Cowrywise merged all individual investments into one portfolio.

So now you will choose according to your risk appetite, it's a ploy by cowrywise to systematically sell their own MMF product because theirs is number one on the page and they didn't merge their own with anyone.

if you really want Meristem, just download their app and invest with them.

LoriHamo:
And their rate is higher as well...

I usually go to their app everyday to check their rate and the merged funds rate and laugh out loud..


The hustle for investor's money is real.


Hahahaha

Good morning boss

Iamblessed8888:
There are things people say that sounds logical but it’s not true. For instance; read the reason cowrywise gave for merging rates. Does it sound logical? Yes. Is it true? No.

You can apply this same framework to those saying that risk is same across all fund managers. They are nothing but referral crumb hunters.

Take a trip to stanbic head office and the office of some of the fund managers being promoted here. Then tell me which you would rather invest your life savings with.

Forget finance jargon, if Firm A has over 1 Trillion AUM and has been around for 30+ years, and Firm B has 1 Billion and has being around for 5 years, which would you rather stake your life savings on?

If you were SEC, which of the two firms would you rather put under more scrutiny? The firm with 1 trillion or the one with 1 billion? Especially considering that you aren’t omnipotent and your job is to protect public interest.

What’s the “so what” if a firm violates SECs trust and does agro business with your funds? Will SEC kill them? Worst case, they’d pay fines and someone may do some jail time (unlikely). Remember, your money is gone.

You think stanbic does not like high rates? Ask your self, how is someone else offering you 20% in same economy while the more experienced manager is giving you 15%? Could one of them be taking more risk? All money market investments are transparent. There is no information asymmetry.

Ask your self, if the guy offering you 20% is much more brilliant than the others, how come their operations and processes are subpar compared to the one offering you lower rates?

Some things are just intuitive and some people are just being obtuse

Iamblessed8888:
There are things people say that sounds logical but it’s not true. For instance; read the reason cowrywise gave for merging rates. Does it sound logical? Yes. Is it true? No.

You can apply this same framework to those saying that risk is same across all fund managers. They are nothing but referral crumb hunters.

Take a trip to stanbic head office and the office of some of the fund managers being promoted here. Then tell me which you would rather invest your life savings with.

Forget finance jargon, if Firm A has over 1 Trillion AUM and has been around for 30+ years, and Firm B has 1 Billion and has being around for 5 years, which would you rather stake your life savings on?

If you were SEC, which of the two firms would you rather put under more scrutiny? The firm with 1 trillion or the one with 1 billion? Especially considering that you aren’t omnipotent and your job is to protect public interest.

What’s the “so what” if a firm violates SECs trust and does agro business with your funds? Will SEC kill them? Worst case, they’d pay fines and someone may do some jail time (unlikely). Remember, your money is gone.

You think stanbic does not like high rates? Ask your self, how is someone else offering you 20% in same economy while the more experienced manager is giving you 15%? Could one of them be taking more risk? All money market investments are transparent. There is no information asymmetry.

Ask your self, if the guy offering you 20% is much more brilliant than the others, how come their operations and processes are subpar compared to the one offering you lower rates?

Some things are just intuitive and some people are just being obtuse

suckprick:
I wish to fully agree with you due to the fact that my biggest investment is with stanbic (personal sentiment) but when we look at the fact that gtb asset management or even first ally are also higher than stanbic this argument becomes invalid. Those 2 are also very reliable names and that includes meristem. Low Interest is not a validation of trust level. As some people explained earlier, it simply means one Fund manager is working harder than the other.

LoriHamo:
Even one was being talked about here... I checked them out and realized they started last December....

I ran for my life...

I had to ask AI why such wide margin exists between that one and others....

The response was even more satisfying.....

I took my leave and decided to be peeping from a safe distance...

bassdow:
reCall when I said most people would do MMF like ponzi scheme but you guys diidn't understand.

mind you, should you have interest in having your own business that offers investment services such as MMF and the likes just like what stanbic IBTC, Norrenberger, etc are doing, we are here and can develope the necessary websites and apps for your needs.

That's all I can say

Thanks

Creditalerts:
TODAY'S RATE


STANBIC 15.32%🙂🤑

FAAM (FirstAlly) 17.6%😁🤑

STL MMF. 20.12% 🔥 🔥 🔥🤑🤑🤑

TRUSTBANC 19.53%🤑🤑🤑


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

LoriHamo:
Stanbic should kuku do 10% flat already and STOP dancing around.....na wao o

Abasi mî mbok

Creditalerts:
TODAY'S RATE


STANBIC 15.32%🙂🤑

FAAM (FirstAlly) 17.6%😁🤑

STL MMF. 20.12% 🔥 🔥 🔥🤑🤑🤑

TRUSTBANC 19.53%🤑🤑🤑


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

LoriHamo:
Stanbic should kuku do 10% flat already and STOP dancing around.....na wao o

Abasi mî mbok

Iamblessed8888:
I too mumu o and I go mumu forever

Bluearrow:
I think stanbic is the worst performing fund manager when it comes to MMF right now. They are not even making effort to try, they have become very lazy. Left for only them mmf would have drop to 10% interest rate by now.

princezzz:
Like guuuyyyy!!!!
No be lie ooo,the only reason i am still with them,is because of 1 meeting like that wey them talk say suppose hold this febuary to determine something something. And this compounding of interest that is done monthly.
Because after removing management fees from other management companies ,coupled with rhe fact that their own compounding is done quarterly,havent done the maths though,everyone go still dey the same average in the long run

Iamblessed8888:
There are things people say that sounds logical but it’s not true. For instance; read the reason cowrywise gave for merging rates. Does it sound logical? Yes. Is it true? No.

You can apply this same framework to those saying that risk is same across all fund managers. They are nothing but referral crumb hunters.

Take a trip to stanbic head office and the office of some of the fund managers being promoted here. Then tell me which you would rather invest your life savings with.

Forget finance jargon, if Firm A has over 1 Trillion AUM and has been around for 30+ years, and Firm B has 1 Billion and has being around for 5 years, which would you rather stake your life savings on?

If you were SEC, which of the two firms would you rather put under more scrutiny? The firm with 1 trillion or the one with 1 billion? Especially considering that you aren’t omnipotent and your job is to protect public interest.

What’s the “so what” if a firm violates SECs trust and does agro business with your funds? Will SEC kill them? Worst case, they’d pay fines and someone may do some jail time (unlikely). Remember, your money is gone.

You think stanbic does not like high rates? Ask your self, how is someone else offering you 20% in same economy while the more experienced manager is giving you 15%? Could one of them be taking more risk? All money market investments are transparent. There is no information asymmetry.

Ask your self, if the guy offering you 20% is much more brilliant than the others, how come their operations and processes are subpar compared to the one offering you lower rates?

Some things are just intuitive and some people are just being obtuse

bassdow:
reCall when I said most people would do MMF like ponzi scheme but you guys diidn't understand.

mind you, should you have interest in having your own business that offers investment services such as MMF and the likes just like what stanbic IBTC, Norrenberger, etc are doing, we are here and can develope the necessary websites and apps for your needs.

That's all I can say

Thanks

Iamblessed8888:
I keep laughing at this. 20% hunters take note

bassdow:
but that doesn't mean they are FRAUD Ooo. Just hopefully they are qualified and knowledgeable enough + if they get SEC certified, then better

Preator:
Stanbic is a behemoth that takes time to get into traction now. With around 51% of the AUM in the industry, when they move, the market shakes. Also, there are very people who need their kind of funds at such high rates.

Thats the advantage of the smaller firms. They are nimble enough and have various opportunities to plug their small funds. Who will take 2.4 trillion from Stanbic to do what? But all this 11bn firms can always move around from one person to the other.

But please, do not put your money in a Fund simply becuase someone says its ok. Do as your spirit leads after due diligence.

By the way, NGX ASI is now 196.2k. Not a financial advice.

enque:
This is the January 2026 ratings

Promptlyn:
Hi everyone, Greetings.

Please I'm new here

Can someone please explain the different between Money Market Fund and Treasury Bills cause I'm lost

Beeron:
If you pick stocks, i covered:

*CBN Decision Could Move the Market This Week — Here’s What to Buy Now

*Big Week for Nigerian Stocks: MPC Decision & Market Direction

*Bull run vs pullback scenario

*Clear Buy / Sell calls





https://www.youtube.com/watch?v=Fi9JO0wZwCI