₦airaland Forum

Preator:
Well, it works for me cos if i need to switch my funds urgently, i won't have to start creating and verifying.

Case in point: I had a trustbanc on Cowrywise before they did their merging so i am still enjoying the 19% mmf on Cowrywise.

Good.

Nawaoo Stanbic IBTC and GT Equity especially, should welldone o.

Yakubu..... continue messing up my day.

This my Birth-month, MAY.
May is not a sweet month with stanbic equity and GT equity.

just start, dont worry about short term losses cos market is dipping.
However this is the best time to invest.

leave your money for 6 months at least.

i am doing long term. 3-5yrs.
so my money can compound well.

heavenisreal18:
Pls how can I start this please hope I won't loss all money

tempest12:
I can't find Risevest on SEC website, tried to verify them there.

I can’t find them on SEC website too …. Are u sure these guys are regulated

I know they have acquired Chaka technology Ltd who is SEC regulated but these 2 are different companies o and operate differently too

akinola98:
I can’t find them on SEC website too …. Are u sure these guys are regulated

I know they have acquired Chaka technology Ltd who is SEC regulated but these 2 are different companies o and operate differently too

Please note that this is not an endorsement of Risevest, for information purposes

Honestly i dont understand Stanbic Imaan & Equity again.

The last 30 days has been crazy with only 6% Profit, this is insane.

GT Equity too has been misbehaving. They will give u huge profit today, tomorrow they will collect the whole profit. Then start giving one chicken feed/peanuts as profit like N1,000 daily.

Dondav:
What's going on with Stanbic... It's been extremely low at 15.12%... That's below normal. The 0.3 difference from their usual rate counts a lot ..

investmentvirus:
Honestly i dont understand Stanbic Imaan & Equity again.

The last 30 days has been crazy with only 6% Profit, this is insane.

GT Equity too has been misbehaving. They will give u huge profit today, tomorrow they will collect the whole profit. Then start giving one chicken feed/peanuts as profit like N1,000 daily.

Stock market is bleeding, a lot of profit taking for sallah celebration.

emmanuelewumi:
It is not advisable to do business with a firm.


I have money market fund investments with the following

FBN Quest Asset Management
FSDH Asset Management
GT Fund Managers
Stanbic IBTC Asset United Capital Asset Management.



For now I am getting the best yields from
FBN Quest Asset Management and FSDH Asset Management.

Both currently have a yield of over 11%

please how do I get this done

Investing in stocks and equity isn't a child's play at all, I subscribed to Stanbic equity funds and lost substantial amount within hours, patience is just the key though.

I thank God for money market mutual fund, the stability and rest of mind in money market mutual fund is far above 50% in health value..

investmentvirus:
Honestly i dont understand Stanbic Imaan & Equity again.

The last 30 days has been crazy with only 6% Profit, this is insane.

GT Equity too has been misbehaving. They will give u huge profit today, tomorrow they will collect the whole profit. Then start giving one chicken feed/peanuts as profit like N1,000 daily.

That initial lost always appear like magic. It consist of their margin and the various fees inherent in share purchase.

You'll first see 3-4% drop.

I reviewed last 15years, there are years that MMF wins and there are years that Equity wins. Overall equity wins the 15 year though not by so much.

I think, a smart move is splitting between the two.

mank1234:
That initial lost always appear like magic. It consist of their margin and the various fees inherent in share purchase.

You'll first see 3-4% drop.

I reviewed last 15years, there are years that MMF wins and there are years that Equity wins. Overall equity wins the 15 year though not by so much.

I think, a smart move is splitting between the two.

As a smart investor, your portfolio should be a combination of low, medium and high risk instruments, that is the best way to manage risk and profit from economic realities.

Like I have always said, to say MMF is better than equity is not categorically accurate. Each investment instrument serves its purpose. Your ablity to combine the various investment instruments to meet your objectives is what single you out as a good and smart investor.

The popular saying - the higher the risk the higher the returns and vice versa always play out when it comes to investment generally.
Stocks are good and mutual funds particularly MMF is equally good.

I will always advice, don't follow the hype but follow your objective and be consistent having a long term in view.

Investment is a marathon not a sprint.

Abeg Access don declare dividends for the year?

Good Day All
People using Stanbic mmf kindly advise
I opened one, I can’t tell how the interest
Do they compound interest daily, monthly, quarterly or yearly
I noticed interest is being added to my capital, unlike other firms that keeps interest separate and add it to your capital at the end of the quarter.

Kindly explain to me if you use Stanbic mmf
Thanks

Diogo2019:
Good Day All
People using Stanbic mmf kindly advise
I opened one, I can’t tell how the interest
Do they compound interest daily, monthly, quarterly or yearly
I noticed interest is being added to my capital, unlike other firms that keeps interest separate and add it to your capital at the end of the quarter.

Kindly explain to me if you use Stanbic mmf
Thanks

They add up your interest to the capital on daily basis and compound it on monthly basis

I placed a withdrawal from Stanbic IBTC Mutual fund. From the app dashboard the money has been withdrawn but I have not received the money in my bank account for the past 2 working days.. anybody here have experience this before?

Good morning everyone.

It seems investing is mainly for people with large amounts of capital. I would appreciate some advice on how best to invest 50k with an additional 50k to be added every month.

Which investment platform would you recommend, and what type of investment should I consider? Your honest and candid opinions will be greatly appreciated.

Thank you.

henrolevra:
Good morning everyone.

It seems investing is mainly for people with large amounts of capital. I would appreciate some advice on how best to invest 50k with an additional 50k to be added every month.

Which investment platform would you recommend, and what type of investment should I consider? Your honest and candid opinions will be greatly appreciated.

Thank you.

@henrolevra, I believe you’re just starting your investment journey, so it’s important first to discard the notion that investing is only for people with large sums of money. Investment is for anyone who wants to make their money, no matter how small, work for them.

Earning money is one thing; keeping and growing it is another. Everyone needs to learn how to manage and grow whatever capital they have.

While it’s true that the amount of capital you have can influence the type of investment instrument available to you, investing is absolutely not reserved for the wealthy.

As a beginner, a great place to start is with a Money Market Fund (MMF). With MMFs, your capital is relatively secure, and your returns are fairly predictable. They’re especially suitable if you plan to invest consistently over time and prefer lower risk.

I’d advise starting with an MMF while you continue learning about different investment windows and strategies.

For MMFs, Norrenberger and First Ally are solid options. You can also check my earlier post in this thread for guidance on signing up for different platforms. Feel free to reach out to me if you need help getting started.

Always remember that investment doesn't depend solely on the amount you have; other factors like age, knowledge, investment objectives, prevailing rate, economic realities of the country, etc., are factors to be considered before you venture into any form of investment.

I wish you the very best in your investment journey.

emmasoft:
@henrolevra, I believe you’re just starting your investment journey, so it’s important first to discard the notion that investing is only for people with large sums of money. Investment is for anyone who wants to make their money, no matter how small, work for them.

Earning money is one thing; keeping and growing it is another. Everyone needs to learn how to manage and grow whatever capital they have.

While it’s true that the amount of capital you have can influence the type of investment instrument available to you, investing is absolutely not reserved for the wealthy.

As a beginner, a great place to start is with a Money Market Fund (MMF). With MMFs, your capital is relatively secure, and your returns are fairly predictable. They’re especially suitable if you plan to invest consistently over time and prefer lower risk.

I’d advise starting with an MMF while you continue learning about different investment windows and strategies.

For MMFs, Norrenberger and First Ally are solid options. You can also check my earlier post in this thread for guidance on signing up for different platforms. Feel free to reach out to me if you need help getting started.

Always remember that investment doesn't depend solely on the amount you have; other factors like age, knowledge, investment objectives, prevailing rate, economic realities of the country, etc., are factors to be considered before you venture into any form of investment.

I wish you the very best in your investment journey.

Thank you very much for your detailed and prompt response. I truly appreciate the time you took to explain things so clearly, especially your point that investing is not only for people with large capital. It was very insightful and encouraging.

I would like to ask why you specifically chose Norrenberger and First Ally as your preferred fund managers. Do you consider them better than Stanbic IBTC Money Market Fund?

Personally, I have always thought Stanbic was one of the strongest and most reputable options in the market. In fact, I recently opened an account with Stanbic, although I have not funded it yet. However, after going through this thread, I noticed that quite a number of people seem to be pulling out of Stanbic.

I would appreciate your thoughts on this and whether there are specific reasons why you would recommend Norrenberger and First Ally over Stanbic. This will help me make a more informed decision before committing my funds.

Thank you once again for your guidance.

henrolevra:
Good morning everyone.

It seems investing is mainly for people with large amounts of capital. I would appreciate some advice on how best to invest 50k with an additional 50k to be added every month.

Which investment platform would you recommend, and what type of investment should I consider? Your honest and candid opinions will be greatly appreciated.

Thank you.

No minding the amount of money. 50k isn't small money to invest if you do this strategic follow up I will suggest you.

Sign up either Bamboo app or cowrywise app.

Your goal is to invest and compound that 50k in stocks investment.

Just select 4:

GTCO
ZENITH
Stanbic
Seplat


Keep buying 50k worth of shares every month in each of this regardless of the market condition, after 4 years, (same average year it takes to graduate the university), you will be glad you made that investment.

I picked those stocks due to them being large cap and consistency in dividend payment.

Beeron:
No minding the amount of money. 50k isn't small money to invest if you do this strategic follow up I will suggest you.

Sign up either Bamboo app or cowrywise app.

Your goal is to invest and compound that 50k in stocks investment.

Just select 4:

GTCO
ZENITH
Stanbic
Seplat


Keep buying 50k worth of shares every month in each of this regardless of the market condition, after 4 years, (same average year it takes to graduate the university), you will be glad you made that investment.

I picked those stocks due to them being large cap and consistency in dividend payment.

Thank you for your suggestion. I really appreciate.

I am already using Bamboo and currently hold both GTCO and Zenith Bank shares in my portfolio, though is not much.

I am also looking at MMF as a way to diversify and have a portion of my funds in a lower-risk investment. Are you suggesting I should forfeit mmf and concentrate on buying more shares?

I would also like to ask if you know much about Bamboo's Managed Portfolio. I have been seeing it on the app and I am curious about how it works in practice. Have you used it before, and would you say it is worth trying.

Thank you once again for your valuable insights.

henrolevra:
Thank you for your suggestion. I really appreciate.

I am already using Bamboo and currently hold both GTCO and Zenith Bank shares in my portfolio, though is not much.

I am also looking at MMF as a way to diversify and have a portion of my funds in a lower-risk investment. Are you suggesting I should forfeit mmf and concentrate on buying more shares?

I would also like to ask if you know much about Bamboo's Managed Portfolio. I have been seeing it on the app and I am curious about how it works in practice. Have you used it before, and would you say it is worth trying.

Thank you once again for your valuable insights.

MMF is for 1- cash flow liquidity (upgraded savings account)
2- Wealth preservation.

If you not having a huge sum and you are young (age below 49), what are you preserving money for? when the stock market can simply 5x the money within few years, expecially now that pension funds are now allowed to invest in the stock market.

Sure there would be bad season (period of reds) in the stock market but the fact that you keep topping up monthly is why it's a perfect investment for you.

Since you already have Bamboo, just continue to buy more units of stocks. But if you have a lump sum of money, like say 10 Million and above.

Invest into MMF and get the monthly interest out of the MMF investment to top up your stocks investment.

Again if you don't have lump sum for MMF, just focus on your 50k monthly compounding via stocks.


As regards Bamboo managed dollar equity fund, I recently got into it alongside picking U.S stocks. It's not a bad idea but 100 dollar is the bare minimum to invest and top up, it you don't have enough for it, just focus on Nigeria stocks, it will pay off. Nigeria stocks market is one of the safest In the world that's why I can boldly recommend it.

U.S stocks moves with the news and corporate governance actions but Nigeria stocks moves with the health of the Banks. And guess what? Nigeria banks are the most regulated In the world.

henrolevra:
Thank you very much for your detailed and prompt response. I truly appreciate the time you took to explain things so clearly, especially your point that investing is not only for people with large capital. It was very insightful and encouraging.

I would like to ask why you specifically chose Norrenberger and First Ally as your preferred fund managers. Do you consider them better than Stanbic IBTC Money Market Fund?

Personally, I have always thought Stanbic was one of the strongest and most reputable options in the market. In fact, I recently opened an account with Stanbic, although I have not funded it yet. However, after going through this thread, I noticed that quite a number of people seem to be pulling out of Stanbic.

I would appreciate your thoughts on this and whether there are specific reasons why you would recommend Norrenberger and First Ally over Stanbic. This will help me make a more informed decision before committing my funds.

Thank you once again for your guidance.

You are welcome.

You are not alone in your thoughts about stanbic, majority of investors in MMF and prospective investors shared the same thought until they had better understanding about MMF and how it works, yours truly was not left out many years ago. That been said,
The reason for Norrenberger and First Ally is first because of better rate, customer care service and the fact tbat I'm a Rep with them.

By the way I'm also an Ambassador to Stanbic, but for almost a year now, the rate has not be very encouraging and normally if rate is bellow inflation, investors will have negative real returns.
Please understand Stanbic is still a good firm and regulated by SEC and likewise the others I mentioned. When it comes to MMF, the brand is not so much important as to whether the firm is regulated by SEC or not, that is the ultimate and the fact that other parties to the fund - custodian, Trustees are present and verifiable.

For the two firms I referred to, I have a go to person so any need for quick or urgent resolution of issues is guaranteed.

As I already mentioned, you can get in touch for further guidance.

Good morning
I have tried treasury bill and the rate is annoying now with the WHT the removed at maturity. 90k was removed from my capital cos I invested for one year I wasn't expecting it.
Now am on MMF the percentage is not encouraging
Pls I am begging someone to put me through in another high rate investment with low risk .I don't want to put all 12m in MMF

heavenisreal18:
Good morning
I have tried treasury bill and the rate is annoying now with the WHT the removed at maturity. 90k was removed from my capital cos I invested for one year I wasn't expecting it.
Now am on MMF the percentage is not encouraging
Pls I am begging someone to put me through in another high rate investment with low risk .I don't want to put all 12m in MMF

High rate yet low risk na near impossible financial oxymoron.

One must give way for the other. High rate=High risk.

heavenisreal18:
Good morning
I have tried treasury bill and the rate is annoying now with the WHT the removed at maturity. 90k was removed from my capital cos I invested for one year I wasn't expecting it.
Now am on MMF the percentage is not encouraging
Pls I am begging someone to put me through in another high rate investment with low risk .I don't want to put all 12m in MMF

There is no high rate with low risk
You either choose Mmf for low risk or equity for for high risk.

heavenisreal18:
Good morning
I have tried treasury bill and the rate is annoying now with the WHT the removed at maturity. 90k was removed from my capital cos I invested for one year I wasn't expecting it.
Now am on MMF the percentage is not encouraging
Pls I am begging someone to put me through in another high rate investment with low risk .I don't want to put all 12m in MMF

@heavenisreal18, you really can’t eat your cake and have it. The principle that “the higher the risk, the higher the return, and vice versa” doesn’t only apply to liquid asset investing; it applies to almost every aspect of life.

From your post, my honest advice is this: develop patience. Sustainable and meaningful investment returns require both capital and patience, having capital alone is not enough.

Think back to the COVID period when Treasury Bills dropped to about 3–4%. At that time, any mutual fund offering 5–7% felt like a gold mine. Fast forward, and those same instruments later rose to around 24%. This clearly shows that investments are not isolated; they reflect the economic realities of a country at any given time. Whether it’s Treasury Bills, mutual funds, or the stock market, they all respond to the broader economic environment.

The only things that seem to “defy” these realities are Ponzi schemes, and those should be a strict no-go for any reasonable investor.

As it stands, if anyone promises you more than 19% returns on government-backed instruments and calls it “low risk,” that’s a major red flag; please run.

My advice: invest according to your risk tolerance, take what the market gives you now, and position yourself for when rates improve. Investing is a journey, and timing and patience will always play a key role.

Enjoy the moment and hope for the best!

qualitymart:
They add up your interest to the capital on daily basis and compound it on monthly basis

Thanks

Put that 12m in Risevest NairaVault @ 25% between now till 1st june. After 1st june, highest rate will be 23%. Risevest is SEC Regulated

heavenisreal18:
Good morning
I have tried treasury bill and the rate is annoying now with the WHT the removed at maturity. 90k was removed from my capital cos I invested for one year I wasn't expecting it.
Now am on MMF the percentage is not encouraging
Pls I am begging someone to put me through in another high rate investment with low risk .I don't want to put all 12m in MMF

BuchyD:
High rate yet low risk na near impossible financial oxymoron.

One must give way for the other. High rate=High risk.

Do I stand the chance of losing capital in high risk investment

emmasoft:
@heavenisreal18, you really can’t eat your cake and have it. The principle that “the higher the risk, the higher the return, and vice versa” doesn’t only apply to liquid asset investing; it applies to almost every aspect of life.

From your post, my honest advice is this: develop patience. Sustainable and meaningful investment returns require both capital and patience, having capital alone is not enough.

Think back to the COVID period when Treasury Bills dropped to about 3–4%. At that time, any mutual fund offering 5–7% felt like a gold mine. Fast forward, and those same instruments later rose to around 24%. This clearly shows that investments are not isolated; they reflect the economic realities of a country at any given time. Whether it’s Treasury Bills, mutual funds, or the stock market, they all respond to the broader economic environment.

The only things that seem to “defy” these realities are Ponzi schemes, and those should be a strict no-go for any reasonable investor.

As it stands, if anyone promises you more than 19% returns on government-backed instruments and calls it “low risk,” that’s a major red flag; please run.

My advice: invest according to your risk tolerance, take what the market gives you now, and position yourself for when rates improve. Investing is a journey, and timing and patience will always play a key role.

Enjoy the moment and hope for the best!

Thank you for this I appreciate