₦airaland Forum

unite4real:
are you thinking you cannot do at least 20% capital appreciation per annum in these companies.
Your dividend plust capital gain should outpace the bond

It is good very you have raw cash to buy stocks in a down market, that is the essence of diversification and that is how to build good units of shares.

Capital appreciation is not predictable, but investment income is predictable .

Mind you, you did not sell all your shares the remaining shares will enjoy the capital appreciation you are looking for but the bond will produce regular income

I honestly don't want to talk but take a look at when MTN was punished... It fell from almost above 300 naira to 168 naira

Itzlinda:
What do you mean? UBA is coming to circa 20 ?

Don't cause HBP to us 😅😅

ARADEL. +9.52%
CONOIL. ±
ETERNA. +4.71%
OandO. -3.22%
SEPLAT. ±

CHAI. Secrets made public knowledge

emmanuelewumi:
It is good very you have raw cash to buy stocks in a down market, that is the essence of diversification and that is how to build good units of shares.

Capital appreciation is not predictable, but investment income is predictable .

Mind you, you did not sell all your shares the remaining shares will enjoy the capital appreciation you are looking for but the bond will produce regular income

Lule as usual na

KarlTom:
ARADEL. +9.52%
CONOIL. ±
ETERNA. +4.71%
OandO. -3.22%
SEPLAT. ±

emmanuelewumi:
Will you also lose your dividend or investment income?

Borrow based on the multiple of your income, which is maximum of twice your predictable income.

You will only get burnt if you are over leveraged and greedy .
Reason why some of us have FGN bonds in our portfolio, it stabilizes the portfolio, gives juicy yield and predictable cash flow

the key word "predictable" cash flow.

KarlTom:
Fantastic one from UACN.

Went on FB straight away!

As expected


An undervalued stock.

emmanuelewumi:
It is good very you have raw cash to buy stocks in a down market, that is the essence of diversification and that is how to build good units of shares.

Capital appreciation is not predictable, but investment income is predictable .

Mind you, you did not sell all your shares the remaining shares will enjoy the capital appreciation you are looking for but the bond will produce regular income

If i was to do this, i will trim the banks and not PRESCO and NAHCO

SEPLAT 😘

unite4real:
If i was to do this, i will trim the banks and not PRESCO and NAHCO

Whatever works for you. I only have GTB, Zenith and a Stanbic.

Banks are just 9% of my total portfolio, fixed income is 6% and I am planning to increase Fixed income to between 25% to 30% of my portfolio

essentialone:
Lasaco Assurance Plc and Guinea Insurance Plc Rights issue is a total mess.

Market price is lower than their Rights Issue prices of N2.00 and N1.10 respectively.

It's a mess. I won't be surprised if both stocks get kicked out soon from the stock market...

Worst case scenario is that they will be acquired by other insurance companies.

I have penned down stocks to load once the bears shows up... Whenever the much talked about reset shows up


Na that time we separate boiz from men

I remember the last reset in 2020/2021 here was extremely quiet. It was just MEGAWEALTH01, mercy, Emma, Agaba and a few others that were talking

Nobody knows when this bear will happen. Agba don wait tire sef

Twitter people no get joy at all

nosa2:
Until the bear market comes and you lose both the cake on the table and the one in your stomach

I tried that with crypto and got liquidated.

https://open.spotify.com/episode/61WR9AxgWMo2n46HJThltQ

NGX daily market summary

leo1234:
I tried that with crypto and got liquidated.

Cryto no get cash flow na, you are looking for capital appreciation.

Leverage based on the future earnings of the asset or Investment

You sef

leo1234:
I tried that with crypto and got liquidated.

ACCESS say make una wait small as their Director dey retire

https://doclib.ngxgroup.com/Financial_NewsDocs/ACCESS_HOLDINGS_PLC_-_Retirement_of_Mrs_Chizoma_Okoli.pdf

megawealth01:
You sef

I was only trying to join the audio billionaire gang.


The low interest rate of 3% to 5% was very attractive.

Thank you for this.

I am examining my numbers as of today and your analysis makes a lot more sense regarding predictable incomes. Dividend yield compared to fixed income yield is only about 1.6% for my entire portfolio worth thanks to the run up most stocks have had over the last 12 months. Time to move accounts. Always a delight to read your opinion.

emmanuelewumi:
It is good very you have raw cash to buy stocks in a down market, that is the essence of diversification and that is how to build good units of shares.

Capital appreciation is not predictable, but investment income is predictable .

Mind you, you did not sell all your shares the remaining shares will enjoy the capital appreciation you are looking for but the bond will produce regular income

The other Banks are afraid to publish any yeye result

Agbalowomeri:
ACCESS say make una wait small as their Director dey retire

https://doclib.ngxgroup.com/Financial_NewsDocs/ACCESS_HOLDINGS_PLC_-_Retirement_of_Mrs_Chizoma_Okoli.pdf

debeey87:
Thank you for this.

I am examining my numbers as of today and your analysis makes a lot more sense regarding predictable incomes. Dividend yield compared to fixed income yield is only about 1.6% for my entire portfolio worth thanks to the run up most stocks have had over the last 12 months. Time to move accounts. Always a delight to read your opinion.

Overall portfolio dividend yield of 5% is not bad but 1.6% is damn too low for an income investor.

I think you have a lot of non dividend paying stocks in your portfolio

It takes a lot of work to be in the audio billionaire gang ooooo

You will need lots of patience, skill, mentorship and above all God's Grace 💕

leo1234:
I was only trying to join the audio billionaire gang.


The low interest rate of 3% to 5% was very attractive.

EDUECO:
Quite frankly,your message is filled with wisdom.

I think the current CBN management has not put the economic well being of the investors into consideration while formulating banking laws.

That's another ugly face of this government's policy of always wanting to take from the people. Fuel price up, energy price up, tax up, and now the CBN is blocking the dividends that should go to the people for their investment. They want to say they don't know the market would react to this? Trump syndrome... "I didn't know Iran would retaliate..." blah blah blah

Even the Anambra politician took a stray bullet in your screenshot. The life indeed no balance.

emmanuelewumi:
Twitter people no get joy at all

I hope loco, ihedi, mended etc are still with us. Make them dey talk from time to time abeg.

Agbalowomeri:
ACCESS say make una wait small as their Director dey retire

https://doclib.ngxgroup.com/Financial_NewsDocs/ACCESS_HOLDINGS_PLC_-_Retirement_of_Mrs_Chizoma_Okoli.pdf

The way you dey monitor this access is becoming something else o
We the shareholders in Emma's word have no option at this point than to wait for the result

https://www.youtube.com/watch?v=Ok7m_pGx-7Y?si=HmJTfTFrDkWjeydD

NGX Daily market summary for today.

GTCO Q1

https://doclib.ngxgroup.com/Financial_NewsDocs/46806_GUARANTY_TRUST_HOLDING_COMPANY_PLC-_QUARTER_1_-_FINANCIAL_STATEMENT_FOR_2026_FINANCIAL_STATEMENTS_APRIL_2026.pdf

Access and UBA exposure brought the numbers down. Only PZ doesn't pay dividend in my portfolio for now in addition to UBA and access which I have already discounted but the capital appreciation has made up for it in 200 fold. All others pay but not substantial enough to pull the portfolio to a yield of 5%

emmanuelewumi:
Overall portfolio dividend yield of 5% is not bad but 1.6% is damn too low for an income investor.

I think you have a lot of non dividend paying stocks in your portfolio

Na him go drop the result for us

pluto09:
The way you dey monitor this access is becoming something else o
We the shareholders in Emma's word have no option at this point than to wait for the result

Still beats UBA's Q1 hands down

sterlingD:
GTCO Q1

https://doclib.ngxgroup.com/Financial_NewsDocs/46806_GUARANTY_TRUST_HOLDING_COMPANY_PLC-_QUARTER_1_-_FINANCIAL_STATEMENT_FOR_2026_FINANCIAL_STATEMENTS_APRIL_2026.pdf