Mutual Funds - Investment (498)

Mutual Funds - Investment (498) - Nairaland

Nairaland Forum › Nairaland General › Investment › Mutual Funds (1551493 Views)

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Re: Mutual Funds by Bluearrow: 12:23pm On Mar 20

Babygal2020:
You sef no small!

Hahaha u wan whyne me cheesy

Re: Mutual Funds by ugwumichael(m): 12:40pm On Mar 20

Please is there a way I can move funds from my Stanbic MMF to my wallet in the blunest app so I can use it to buy the Stanbic trust banc commercial paper

Re: Mutual Funds by ytdivine(m): 2:10pm On Mar 20

Please @Emmasoft, and other financial experts, what are the risks involved in Commercial paper? Is it at low risk level as MMF? What happened if the company or organization involved got into problems and could not pay back?
Why is Pension fund managers restricted from investing in CP?

Re: Mutual Funds by emmasoft(m): 2:16pm On Mar 20

ugwumichael:
Please is there a way I can move funds from my Stanbic MMF to my wallet in the blunest app so I can use it to buy the Stanbic trust banc commercial paper

You can but the withdrawal limit issue may still apply. Except if that has changed. Withdrawal from the app used to be 1m max and upgradeable to 5m I think.
I've had less involvement with stanbic of recent obviously because of rate, so must of their processes I know might have changed i wouldn't know.

Re: Mutual Funds by emmasoft(m): 2:26pm On Mar 20

ytdivine:
Please @Emmasoft, and other financial experts, what are the risks involved in Commercial paper? Is it at low risk level as MMF? What happened if the company or organization involved got into problems and could not pay back?
Why is Pension fund managers restricted from investing in CP?

@yrdivine, as you already know there is no investment without risk, it is just the level of risk that brings us to categorized investment as low, medium or higher risk.

Using that categorization, CP fall under low risk. The only risk associated is the default by the issuing body ie inability to fulfill their obligation to investors, hence before you invest in any CPs you need to look at the credit ratings of the organization the higher the rating the safer or less risky and vice versa.

Generally, CPs are low risk investment instruments. It's a major underlying assets of MMFs second only to TBills.

1 Like

Re: Mutual Funds by emmasoft(m): 2:38pm On Mar 20

Bluearrow:
Currently I use only first ally just for emergencies. I used a couple of others in the past, but didn't have patience for mmf. I started my investment journey with cryptto, it really trained my risk appetite so high. I'm majorly into equity. Using more than 5 fund managers for equity.

@Bluearrow, with your experience in crypto i think you have the risk appetite to handle individual stocks. I'm sure you will do well. With your level of investment in equity based funds, having individual blue-chip companies and some good selection of growth stocks you will do very well.
One of the gains of having individual stocks is the fact that you can get bonus shares and increase your holdings without extra cost if a company you have holdings with declares bonuses.
I know a shareholder of a particular company that bought 1,000 units of the shares of the company, in three years without spending extra money, the shareholder now has 4,000 units apart from the cash dividends collected and price appreciation.

Please this is just personal suggestion, you can always stick to what works for you.

More greens to your portfolio.

4 Likes

Re: Mutual Funds by Babygal2020(f): 2:43pm On Mar 20

emmasoft:
@Bluearrow, with your experience in crypto i think you have the risk appetite to handle individual stocks. I'm sure you will do well. With your level of investment in equity based funds, having individual blue-chip companies and some good selection of growth stocks you will do very well.
One of the gains of having individual stocks is the fact that you can get bonus shares and increase your holdings without extra cost if a company you have holdings with declares bonuses.
I know a shareholder of a particular company that bought 1,000 units of the shares of the company, in three years without spending extra money, the shareholder now has 4,000 units apart from the cash dividends collected and price appreciation.

Please this is just personal suggestion, you can always stick to what works for you.

More greens to your portfolio.

Full of wisdom. Thanks for introducing me to mmf. I for still dey collect peanuts from banks.

Re: Mutual Funds by emmasoft(m): 3:00pm On Mar 20*

Babygal2020:
Full of wisdom. Thanks for introducing me to mmf. I for still dey collect peanuts from banks.

@Babygal2020, thanks for the kind words. Sometimes words like this inspire us to do more and better.

I hope your money is not on holidays. Please don't allow it because the master and servant can't be resting at the same time.

You are the master your money is the servant grin

7 Likes

Re: Mutual Funds by Bluearrow: 3:06pm On Mar 20

emmasoft:
@Bluearrow, with your experience in crypto i think you have the risk appetite to handle individual stocks. I'm sure you will do well. With your level of investment in equity based funds, having individual blue-chip companies and some good selection of growth stocks you will do very well.
One of the gains of having individual stocks is the fact that you can get bonus shares and increase your holdings without extra cost if a company you have holdings with declares bonuses.
I know a shareholder of a particular company that bought 1,000 units of the shares of the company, in three years without spending extra money, the shareholder now has 4,000 units apart from the cash dividends collected and price appreciation.

Please this is just personal suggestion, you can always stick to what works for you.

More greens to your portfolio.

You are very correct sir, I do stocks too

Re: Mutual Funds by Iamblessed8888: 3:46pm On Mar 20

Mixology:
Good morning guys, please I need a solid mmf that is at least 17 percent, good user interface, being able to see daily income, quick deposit and withdrawal, as well as ability to print the statement of account instantly by oneself.
Many thanks

Drop everything you’re doing now and run and open stanbic MMF. Bassdow drop referral code

Re: Mutual Funds by emmasoft(m): 3:50pm On Mar 20

Bluearrow:
You are very correct sir, I do stocks too

Great!. Keep it up. Don't be distracted o. You will go far.

3 Likes

Re: Mutual Funds by Iamblessed8888: 4:00pm On Mar 20

emmasoft:
@Bluearrow, with your experience in crypto i think you have the risk appetite to handle individual stocks. I'm sure you will do well. With your level of investment in equity based funds, having individual blue-chip companies and some good selection of growth stocks you will do very well.
One of the gains of having individual stocks is the fact that you can get bonus shares and increase your holdings without extra cost if a company you have holdings with declares bonuses.
I know a shareholder of a particular company that bought 1,000 units of the shares of the company, in three years without spending extra money, the shareholder now has 4,000 units apart from the cash dividends collected and price appreciation.

Please this is just personal suggestion, you can always stick to what works for you.

More greens to your portfolio.

What are some good growth stocks and blue chip stocks to key into?

Re: Mutual Funds by ugwumichael(m): 4:16pm On Mar 20

emmasoft:
You can but the withdrawal limit issue may still apply. Except if that has changed. Withdrawal from the app used to be 1m max and upgradeable to 5m I think.
I've had less involvement with stanbic of recent obviously because of rate, so must of their processes I know might have changed i wouldn't know.

I did it and they said I should wait till next working day, which you know is till Monday next week.

Re: Mutual Funds by emmasoft(m): 4:16pm On Mar 20

Iamblessed8888:
What are some good growth stocks and blue chip stocks to key into?

@Iamblessed8888, we can't talk about stocks in detail here, so that the thread will not be derailed. You can check the stock thread for answers to such questions or get in touch.

Re: Mutual Funds by Iamblessed8888: 4:17pm On Mar 20

emmasoft:
@Iamblessed8888, we can't talk about stocks in detail here, so that the thread will not be derailed. You can check the stock thread for answers to such questions or get in touch.

Noted, thanks. I’d reach out.

Re: Mutual Funds by emmasoft(m): 4:26pm On Mar 20

ugwumichael:
I did it and they said I should wait till next working day, which you know is till Monday next week.

Yes, redemption is always on a business day for Stanbic.

Re: Mutual Funds by bassdow: 4:31pm On Mar 20*

Iamblessed8888:
Drop everything you’re doing now and run and open stanbic MMF. Bassdow drop referral code

https://www.stanbicibtcfundsmanagement.com/invest-now-l8yyj3l8

1 Like

Re: Mutual Funds by Babygal2020(f): 4:34pm On Mar 20

emmasoft:
@Babygal2020, thanks for the kind words. Sometimes words like this inspire us to do more and better.

I hope your money is not on holidays. Please don't allow it because the master and servant can't be resting at the same time.

You are the master your money is the servant

No my boss. MMF is my second source of income now.

1 Like

Re: Mutual Funds by Preator: 4:47pm On Mar 20

emmasoft:
@Babygal2020, thanks for the kind words. Sometimes words like this inspire us to do more and better.

I hope your money is not on holidays. Please don't allow it because the master and servant can't be resting at the same time.

You are the master your money is the servant

Strong words. The only idle cash you shud keep shud be those you need for expenses. Everything else must work.

2 Likes

Re: Mutual Funds by Babygal2020(f): 4:49pm On Mar 20

Iamblessed8888:
Drop everything you’re doing now and run and open stanbic MMF. Bassdow drop referral code

But Stanbic mmf isn't up to 16%. I'm still with them because they give me peace of mind. Their rate is poor.

1 Like

Re: Mutual Funds by emmasoft(m): 4:49pm On Mar 20*

Babygal2020:
No my boss. MMF is my second source of income now.

Correct! Your money must work for you; that is basically what investment in liquid assets are all about. Your money must earn for you even when you are sleeping or doing any other thing.

Make you try First Ally if you are not there yet, to enjoy more of the earnings without sweat.

2 Likes

Re: Mutual Funds by ugwumichael(m): 4:52pm On Mar 20

emmasoft:
Yes, redemption is always on a business day for Stanbic.

Re: Mutual Funds by bassdow: 4:58pm On Mar 20

Iamblessed8888:
Drop everything you’re doing now and run and open stanbic MMF. Bassdow drop referral code

it's just now I understood the reason behind your request BUT everyOne must not be on stanbic expecially when there are those with higher rates which is what most people are after. I come think say you needed the referal code.

Either way, see am https://www.stanbicibtcfundsmanagement.com/invest-now-l8yyj3l8

1 Like

Re: Mutual Funds by emmasoft(m): 5:27pm On Mar 20

Investment as a Culture(way of life) not a hit and run (a one time event)

Investment is not a one-time event or a “hit and run” activity; it is a culture, a disciplined way of thinking and acting over time. Many people approach investing with the mindset of quick gains: they enter when they hear hype, chase returns, and exit at the slightest downturn. This approach often leads to inconsistent results, emotional decisions, and, in many cases, losses.

A true investment culture, however, is built on consistency, patience, and long-term vision. It is the habit of setting aside funds regularly, regardless of market conditions, and allowing time and compounding to work in your favor. Just like any culture, it is formed through repeated actions: saving monthly, reviewing portfolios periodically, learning continuously, and staying committed even when results are not immediately visible.

Investing as a culture also requires discipline. Markets will rise and fall, opportunities will come and go, but the investor who succeeds is the one who follows a structured plan rather than reacting impulsively. This includes defining clear financial goals, understanding risk tolerance, and diversifying investments instead of chasing “hot” opportunities.

Another key element of investment culture is education. Informed investors make better decisions. They understand that every investment carries some level of risk and that returns are a reward for patience and calculated exposure to that risk, not luck or speculation.

Ultimately, building an investment culture transforms wealth creation from a gamble into a process. It shifts the mindset from “how much can I make now?” to “how consistently can I grow over time?” Those who embrace this approach are more likely to achieve financial stability, independence, and lasting wealth.

In summary, investment is not about timing the market but about time in the market. It is not about quick wins but about consistent growth. When approached as a culture rather than a hit-and-run strategy, investing becomes a powerful tool for long-term success.

Wish all a happy holiday and more greens to your portfolios.

Remember, making money without tears is our goal!

9 Likes

Re: Mutual Funds by Nobody: 7:45pm On Mar 20

Creditalerts:
Really wow 🤡🤓

Stanbic is 15.24 still sluggish

🤡 🐠 🤡

Re: Mutual Funds by Nobody: 7:46pm On Mar 20

Creditalerts:
I will try it with my gains from MMF I will invest 5m from next month in equity let's see how it will grow by December 🙂

Better don't play with high BP. Your money will turn to 1kobo in a day 😶‍🌫️

Re: Mutual Funds by Emmzhy(m): 8:55pm On Mar 20

Best Multi-Timeframe Analysis Strategy (Top-Down Trading Guide for Perfect Entry)

https://www.youtube.com/watch?v=bu3jasWGdIM?si=-IoOR966vUWirTfa

2 Likes

Re: Mutual Funds by doggedfighter(f): 9:59pm On Mar 20

Creditalerts:
I will try it with my gains from MMF I will invest 5m from next month in equity let's see how it will grow by December 🙂

Give Creditalerts his phone.

I am not sure he typed this.😁

2 Likes

Re: Mutual Funds by richforever123: 2:07pm On Mar 21

ytdivine:
Please @Emmasoft, and other financial experts, what are the risks involved in Commercial paper? Is it at low risk level as MMF? What happened if the company or organization involved got into problems and could not pay back?
Why is Pension fund managers restricted from investing in CP?

Commercial Paper (CP) is generally considered a low-risk, short-term debt instrument, but it is not as low-risk as a Money Market Fund (MMF). Here’s a clear breakdown:

1. Risk Level (CP vs MMF)
CP is issued directly by companies and is unsecured (no collateral). Its safety depends heavily on the issuer’s creditworthiness.
MMFs, on the other hand, are diversified pools of instruments (including CP, T-bills, deposits), which spreads risk.
So, CP = higher risk than MMF, even though both are relatively low-risk compared to equities.

2. What happens if the issuer has problems?
If the company runs into financial distress:

There is no collateral to fall back on
Investors may face delayed payment or default
Recovery can be partial or zero depending on restructuring or liquidation outcome
Unlike bank deposits, CP is not insured

In short: you are exposed to credit risk directly.

3. Key Risks in Commercial Paper

Credit risk: issuer may default
Liquidity risk: may be hard to sell before maturity
Rollover risk: issuer may struggle to refinance maturing CP
Market confidence risk: bad news can quickly reduce value

4. Why Pension Fund Managers are restricted
Pension funds are governed by strict regulations (e.g., by National Pension Commission in Nigeria) because they manage retirement savings, which must be highly protected.

Restrictions exist because:

CP is unsecured and more sensitive to issuer failure
Pension funds prioritize capital preservation over yield
Regulations limit exposure to instruments with higher default probability
To avoid systemic risk to retirees’ funds

Essentially, regulators want pension funds to stay in safer, highly-rated, and more liquid instruments.

Commercial Paper (CP) has actually failed in Nigeria before, although it is not very common because issuance is restricted to relatively strong companies.

1. Real Example of CP Default in Nigeria
A notable recent case:

O3 Capital (Nigeria) defaulted on a ₦750 million commercial paper issued in July 2023, which matured in October 2023. ()

This is a clear, real-life example that CP is not risk-free, even in Nigeria.

5 Likes

Re: Mutual Funds by bassdow: 4:07pm On Mar 21

Iamblessed8888:
Drop everything you’re doing now and run and open stanbic MMF. Bassdow drop referral code

Actually, when I read this, thought you were refering to me and I almost would have checked stanbic thinking their rate has jumped to 18% or more if not that I was very occupied.

na after I sent you the code, my head manage understand the writeUp

Re: Mutual Funds by bassdow: 4:09pm On Mar 21

welzyj2:
Better don't play with high BP. Your money will turn to 1kobo in a day 😶‍🌫️

Re: Mutual Funds by Creditalerts: 4:57pm On Mar 21

doggedfighter:
Give Creditalerts his phone.

I am not sure he typed this.😁

haha the day I invest in equity that's the beginning of my sleepless night with enough nightmare 😅

3 Likes

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