₦airaland Forum

I have been dishing out a lot of free information on how mutual funds can serve as a fuel to power your future, but a lot of people have been coming up with conflicting stories on how inflation will make your money valueless in the future.

The question I ask most of them is this "Will you advise your young ones to rather keep their money idle in the bank or invest gradually to at least get something in the future?" There arguments always focus on how tens of millions will be valueless in 20-30 years to this time. Do they even realize N500k is valueless now, but it's still luxury to millions of Nigerians.

See, I'm a Crypto enthusiast and I've been in crypto since 2014. I've made a lot of money from it. But 2025 shook me due to Trump's policies. I lost millions. When I had my baby last year, I thought of investing the cash gifts we got and I decided crypto is a No No, so I turned to mutual funds even though the returns is just around 18-20% annually (Money Market Fund)

It was around December last year that I decided to explore the other available options under the mutual funds, then I tried out the Equity Income Fund option (though it carries a higher risk cuz it pays a higher interest) Interest can sometimes be up to 100% in a year, but your investment fluctuates, unlike Money Market Fund which is a guaranteed option.

But now the interesting thing is that since I moved most of my funds to the Equity Income Funds option, it has always been adding up. Of course there are days that I see loss, but it's always minimal. In fact, in February alone, I received profit up to N120K with a capital of N1,180,000. So by February ending, my fund was N1.3M. I added extra N300K to boost my portfolio to N1.6M

As at this moment now, it has added extra 15K to my funds. The fun part however is that your interest is reinvested almost immediately and this yields you additional profits which if compounded over the years, turn into something massive.

The strategy however is to mix your funds in both MMF and Equity Income Funds in a 30:70 ratio.

See, with this opportunity you can even start planning for your children's future education and even leave some money to them when you leave.

For those talking about inflation, Bla Bla Bla I'm sure you've heard of diversification. This won't be the only investment bucket you put your money in. In fact, what I also do is buy landed properties and plan to leave for next 20-30 years. With that you can sell your land at the future value, which will of course translates to lots of gains.

📍 Note: I'm not a financial adviser. I Just thought I could help some young folks today with this information I missed in my 30s. In fact I was shocked when I heard my old, rich landlord talking about mutual funds, which means he must have started investing in that many decades ago.

Don't miss the opportunity. Most banks offer asset management services. Talk to your banker and the interesting part is you can invest with as little as N5, 000 weekly or monthly, even right on your phone.

Check out my blog https://earnmoney.ng/ for more free posts money, finances, life and business

Nice inputs.. wat are their rates pls

Emzedz:
Nice inputs.. wat are their rates pls

MMF - 18-22%
Equity Income Fund = 35-90%

So I can start with 10k weekly.

Pls do a research on equity fund yield btw 2016 ＆
2019 so the risks can be better understood.. it is nt always that high.. and it can sometimes be an annual loss

MMF ✔️ Equity❌️

You are right. I'm doing the same thing with stabic The returns is highly encouraging.

Let's assume I start a business like a provision shop that could grow into a supermarket, don't you think you could make higher profits in a year compared to this mutual funds? Or even if it's farming you're investing in?

I started mine in 2018
Since that I have received over 3m in investment of 2.5m

There is one finance theory called The Rule of 72, money doubling factor. The money market mutual funds will help you to achieve this consistently

The thing is, your capital will be high to get good returns. Just like betting on 1.02 odds

How can I register for this GT bank mutual funds?

Interesting... Invest naija Offers dollar funds, paramount equity funds, mutual funds and bonds funds .. if you're a conservative investor and doesn't want to risk your initial capital but want to rely heavily on compounding; Mutual funds and bonds funds are it... Infact I saw a compounding cheat somewhere on this forum where if you were in your 30s and saved 5k and above each month for 30 years, you'd have saved 100m. Now compare that to how much you spend daily? Some of us have blown away our rich lifestyle decades ago, it's not too late to start over though 🤔

Beautiful!!!

being:
Pls do a research on equity fund yield btw 2016 ＆
2019 so the risks can be better understood.. it is nt always that high.. and it can sometimes be an annual loss

Most Equity Funds returned on the average 70-90% in 2025. How can you be using a 10 year old data to make a current projection.

Of course no one is expecting to see profit forever. Remember, equity funds are invested in the stock market, so when stocks do well, equity funds also do well

Wealthyonos:
Let's assume I start a business like a provision shop that could grow into a supermarket, don't you think you could make higher profits in a year compared to this mutual funds? Or even if it's farming you're investing in?

That's why we advise people to diversify. I have a farm, lands, I sell crypto and I invest in mutual funds

Wat are d requirements for registration n on boarding on gtb equity income fund

damiloladuke:
That's why we advise people to diversify. I have a farm, lands, I sell crypto and I invest in mutual funds

True @bold
This last cryptto cycle made me realize the importance of diversification. I over invested in cryptto all through 2024 to 2025 because we all saw Trump as cryptto Messiah, I never knew he was coming to ruin cryptto. Diversification is very important in investment.

damiloladuke:
Most Equity Funds returned on the average 70-90% in 2025. How can you be using a 10 year old data to make a current projection.

Of course no one is expecting to see profit forever. Remember, equity funds are invested in the stock market, so when stocks do well, equity funds also do well

I used that to pass the message that d near 100% annual returns is not always like that or even usual at all.. to be clear, it's majorly cos of the high inflation rate... the value of businesses(that survive inflation)go up as the prices of things go up-( which makes costs, revenues, profits to also go up)

Why X to Equity?

suckprick:
MMF ✔️ Equity❌️

damiloladuke:
That's why we advise people to diversify. I have a farm, lands, I sell crypto and I invest in mutual funds

So wats are gtb equity funds rates currently.. is it still profitable

damiloladuke:
Most Equity Funds returned on the average 70-90% in 2025. How can you be using a 10 year old data to make a current projection.

Of course no one is expecting to see profit forever. Remember, equity funds are invested in the stock market, so when stocks do well, equity funds also do well

Hw is gtb equity doing sirr

Emzedz:
Hw is gtb equity doing sirr

28% so far this year

Wealthyonos:
Let's assume I start a business like a provision shop that could grow into a supermarket, don't you think you could make higher profits in a year compared to this mutual funds? Or even if it's farming you're investing in?

Adverbial clause of Assumption.

Provision store grow into a Supermarket? Overnight?
In the dream?

Farming what?
Perhaps, Carica papaya.

The way some of you comment here ehn......

damiloladuke:
28% so far this year

From ur investment with them,, hope its rising

Emzedz:
From ur investment with them,, hope its rising

😂 😂 😂 if they're giving a positive report to the media then it much surely reflect in their clients account. Thanks

damiloladuke:
😂 😂 😂 if they're giving a positive report to the media then it much surely reflect in their clients account. Thanks

More green days ahead baba though ur response dey interesting.

👍✔

Rexymania:
The thing is, your capital will be high to get good returns. Just like betting on 1.02 odds

WantsandMore:
Interesting... Invest naija Offers dollar funds, paramount equity funds, mutual funds and bonds funds .. if you're a conservative investor and doesn't want to risk your initial capital but want to rely heavily on compounding; Mutual funds and bonds funds are it... Infact I saw a compounding cheat somewhere on this forum where if you were in your 30s and saved 5k and above each month for 30 years, you'd have saved 100m. Now compare that to how much you spend daily? Some of us have blown away our rich lifestyle decades ago, it's not too late to start over though 🤔

Hi! Could you provide the link to the thread? I am curious.