₦airaland Forum

Beeron:
In a simple way to make you understand.

Thinking of Tbills as you borrowing the government money but can choose the duration for which you want to borrow the government usually (3 month, 6 month and 1 year)

However, Think of MMF as you giving a professional fund manager who help people invest their money — you and other people like you willing to invest, give the fund manager your money then the fund manager will pool all money together and buy short term investment like that same Treasury bills aforementioned (Not only Treasury bill though), now that's the reason people prefer MMF because a fund manager will invest more in other investments you literally cannot invest in by yourself because of little capital, for example commercial paper.


Do you understand now?

Yes I understand, thank you

From your experience, which is better to invest in with capital of 10m

When considering capital security and better profit %

Promptlyn:
Yes I understand, thank you

From your experience, which is better to invest in with capital of 10m

When considering capital security and better profit %

First, what is your age bracket?

Are you a family man?

Do you still have a day job or you need frequent returns from this investment to get by?

TODAY'S RATE


STANBIC 15.50%🙂🤑

FAAM (FirstAlly) 17.81%😁🤑

STL MMF. 20.20% 🔥 🔥 🔥🤑🤑🤑

TRUSTBANC 19.51%🤑🤑🤑


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

The Central Bank of Nigeria (CBN) has reduced the Monetary Policy Rate (MPR) by 50 basis points to 26.5% from 27%.

Crossblueart:
The Central Bank of Nigeria (CBN) has reduced the Monetary Policy Rate (MPR) by 50 basis points to 26.5% from 27%.

Yes the 50 basis point reduction of the Monetary Policy Rate (MPR) to 26.5% by the Central Bank of Nigeria (CBN) on February 24, 2026, will likely reduce yields on money market funds. As the MPR directly influences short-term interest rates and treasury bills, this rate cut will cause returns on these funds to decrease over time.


Key Implications for Money Market Funds:
Lower Yields: The primary impact is a reduction in the income generated by money market funds, as their underlying assets (short-term instruments like Treasury Bills) will yield lower interest rates.
Reduced Interest Income: Investors in these funds may see a lower return on investment in the coming months.
Rate Correlation: Money market funds typically align with the CBN's policy rate, meaning the 50 bps reduction will likely lead to a corresponding adjustment in fund yields.
Marginal Reduction:The cut is expected to influence lending rates and overall liquidity, as the CBN looks to ease monetary conditions following easing inflation.

I saw it coming 😁

Tinubuuuuuuuu bubu la bubu 🤦🏾‍♂️🤦🏾‍♂️🤦🏾‍♂️

my Observation for a while

There are times some fund managers don't update your interest on time. They either do it late the next day or they allow it accumulate like 2 or 3 or more days and guess what, most times when they finally pay the backLog, it's rarely complete. Of course you can't even know what rate they used since it wasn't sent as at when due.

That means they could get away giving you interest of 20% even when they advertised 24.5%

Would suggest you guys randomly take daily read of your accrued interests and when they delay, reach out to them. You need not do so everyday. Pick a week and ensure the whole of that week, they don't skip any and what's paid correlates with what's expected going by current interest rate.

Another lazy shortCut is to note down the current amount earned at end of the week so by the end of the next week, you do your calculation to know if the figures are what's expected. Even if it flunctuates between 20.76% and 20% , the figure should still align.

You need be sure you're not being deceived with high interest rates.

They truely have no reasonable excuse for not being able to automate updating customer's interests on daily basis EXCEPT they wanna say they need a couple of hours or days to get the interest rate to use.

I won't mention name as it's not necessary

Why I love trustbanc MMF and STL MMF they pay a bit higher than the expected accrued interest daily🤑🤑🤑 .they have my A plus ratings 🤑🤑🤑🤑

Creditalerts:
Yes the 50 basis point reduction of the Monetary Policy Rate (MPR) to 26.5% by the Central Bank of Nigeria (CBN) on February 24, 2026, will likely reduce yields on money market funds. As the MPR directly influences short-term interest rates and treasury bills, this rate cut will cause returns on these funds to decrease over time.


Key Implications for Money Market Funds:
Lower Yields: The primary impact is a reduction in the income generated by money market funds, as their underlying assets (short-term instruments like Treasury Bills) will yield lower interest rates.
Reduced Interest Income: Investors in these funds may see a lower return on investment in the coming months.
Rate Correlation: Money market funds typically align with the CBN's policy rate, meaning the 50 bps reduction will likely lead to a corresponding adjustment in fund yields.
Marginal Reduction:The cut is expected to influence lending rates and overall liquidity, as the CBN looks to ease monetary conditions following easing inflation.

Quite marginal. So impact shudnt be extreme. The ASI nosedived immediately sha. If u get stocks, dnt check it ooo. I don tell u now

Preator:
Quite marginal. So impact shudnt be extreme. The ASI nosedived immediately sha. If u get stocks, dnt check it ooo. I don tell u now

I'm not into stocks sef 😁

Creditalerts:
I'm not into stocks sef 😁

Na everything i dey chook hands oo 😁😁. I expect it to bounce back tommorow actually. A rate cut is good for equity.

The main issue is likely the series of memo NGX released on some stocks. People may be trying to dump stocks not already suspended

Creditalerts:
Why I love trustbanc MMF and STL MMF they pay a bit higher than the expected accrued interest daily🤑🤑🤑 .they have my A plus ratings 🤑🤑🤑🤑

No fund manager gives free money oo

Check properly

bassdow:
my Observation for a while

There are times some fund managers don't update your interest on time. They either do it late the next day or they allow it accumulate like 2 or 3 or more days and guess what, most times when they finally pay the backLog, it's rarely complete. Of course you can't even know what rate they used since it wasn't sent as at when due.

That means they could get away giving you interest of 20% even when they advertised 24.5%

Would suggest you guys randomly take daily read of your accrued interests and when they delay, reach out to them. You need not do so everyday. Pick a week and ensure the whole of that week, they don't skip any and what's paid correlates with what's expected going by current interest rate.

Another lazy shortCut is to note down the current amount earned at end of the week so by the end of the next week, you do your calculation to know if the figures are what's expected. Even if it flunctuates between 20.76% and 20% , the figure should still align.

You need be sure you're not being deceived with high interest rates.

They truely have no reasonable excuse for not being able to automate updating customer's interests on daily basis EXCEPT they wanna say they need a couple of hours or days to get the interest rate to use.

I won't mention name as it's not necessary

True. Stanbic does magic sometimes, it would favour me or I would be at a disadvantage

The reason I like the cowry trustbanc is the clarity in the dailylog. You don't need to stress with calculations at all. It's just sad that newbies can't join via cowry again

Preator:
Quite marginal. So impact shudnt be extreme. The ASI nosedived immediately sha. If u get stocks, dnt check it ooo. I don tell u now

ASI is tracking all stocks. There were still greens on some stocks.

For equity the hit won't be a lot depending on your fund manager though. The greens equity has supplied in weeks b4 now can withstand a week's red easily.

Preator:
Na everything i dey chook hands oo 😁😁. I expect it to bounce back tommorow actually. A rate cut is good for equity.

The main issue is likely the series of memo NGX released on some stocks. People may be trying to dump stocks not already suspended

Those actions are for investors protection actually

welzyj2:
ASI is tracking all stocks. There were still greens on some stocks.

For equity the hit won't be a lot depending on your fund manager though. The greens equity has supplied in weeks b4 now can withstand a week's red easily.

Agreed. My fund managers weren't impacted actually. I had an uptick in value despite the fall in ASI. Just waiting for the dividends rain in Apr-June

Beeron:
First, what is your age bracket?

Are you a family man?

Do you still have a day job or you need frequent returns from this investment to get by?

I need something i can invest for yearly return.

And yes I'm a family man

Promptlyn:
I need something i can invest for yearly return.

And yes I'm a family man

I will make a video about it and keep you updated.

You may consider investing into this Risevest naira investment plan depending on your financial muscle, it looks like it's better than chasing unstable 15% to 18% annual returns on Money market funds
Below screenshot is the investment plan from risevest.

Promptlyn:
I need something i can invest for yearly return.

And yes I'm a family man

Did top up to my Stanbic mutual fund account since 21/2/ and till now, my money is yet to reflect. I have called n send mails they said it’s technical error ?
What else am I supposed to do . It’s always very discouraging investing with Stanbic cos of this slow processing tome

Candanyl:
Did top up to my Stanbic mutual fund account since 21/2/ and till now, my money is yet to reflect. I have called n send mails they said it’s technical error ?
What else am I supposed to do . It’s always very discouraging investing with Stanbic cos of this slow processing tome

Same here. They sent a mail.

TODAY'S RATE


STANBIC 15.44%🙂🤑

FAAM (FirstAlly) 17.94%😁🤑

STL MMF. 20.15% 🔥 🔥 🔥🤑🤑🤑

TRUSTBANC 19.52%🤑🤑🤑


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

Naira Weakens to N1,359/$ After CBN Cuts Rate at 304th MPC Meeting
🤦🏾‍♂️

Are they safe and secured?

ezegold4we:
You may consider investing into this Risevest naira investment plan depending on your financial muscle, it looks like it's better than chasing unstable 15% to 18% annual returns on Money market funds
Below screenshot is the investment plan from risevest.

Yes, they are approved and licensed with their own official licence by SEC few day's ago, remember they have been using chaka licence all these while

tempest12:
Are they safe and secured?

ezegold4we:
You may consider investing into this Risevest naira investment plan depending on your financial muscle, it looks like it's better than chasing unstable 15% to 18% annual returns on Money market funds
Below screenshot is the investment plan from risevest.

Please, is this under MMF or are they banks too?

Are upfront interest allowed to be taken?

Beeron:
I will make a video about it and keep you updated.

I will be expecting.
Thank you

ezegold4we:
You may consider investing into this Risevest naira investment plan depending on your financial muscle, it looks like it's better than chasing unstable 15% to 18% annual returns on Money market funds
Below screenshot is the investment plan from risevest.

I will check it out
I appreciate

Meristem has better rate compared to cowrywise's...

ezegold4we:
You may consider investing into this Risevest naira investment plan depending on your financial muscle, it looks like it's better than chasing unstable 15% to 18% annual returns on Money market funds
Below screenshot is the investment plan from risevest.

Run from Agro business for your life