₦airaland Forum

I noticed the same thing, it's been removed.

Iamblessed8888:
My own has disappeared from my wallet. Did you experience same?

Iamblessed8888:
My own has disappeared from my wallet. Did you experience same?

Yes mine disappeared too.
The money wasn't reinvested because my equity units still remain same, maybe they are sending to bank account.

Rico1278:
Do you guys recommend united capital for equity funds

Ucap for meaningful dividends and peace of mind.

U can do ur research and make ur decision

Rico1278:
Do you guys recommend united capital for equity funds

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Allboiz:
I went ahead to do a lil analysis on the two fund managers using AI. Fund A is United capital while Fund B is Cardinal Stone. Below is the outcome.

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With those NAVs, here's the actual comparison:

Fund A (NAV 2.28)
Dividend yield: 0.3082 ÷ 2.28 = 13.5%
Capital appreciation: 40%
Total return ≈ 53.5%

Fund B (NAV 2.83)
Dividend yield: 0.097 ÷ 2.83 = 3.4%
Capital appreciation: 58%
Total return ≈ 61.4%

Fund B comes out ahead, by roughly 8 percentage points in total return — its much stronger capital appreciation more than makes up for the smaller dividend.

Ask AI for future capital appreciation for Total units after dividends were reinvested for both funds.

Calculate for 3 or 5 years

Bluearrow:
Yes mine disappeared too.
The money wasn't reinvested because my equity units still remain same, maybe they are sending to bank account.

They reduced our balance and call it dividend ,pls sir can you explain why is it dividend.

Greattom:
They reduced our balance and call it dividend ,pls sir can you explain why is it dividend.

Ur units must have increased.

Pls check well

dammiecool:
Ur units must have increased.

Pls check well

Nope. There was a credit then a debit. Units still remain the same. Most likey an in house correction being done

Greattom:
They reduced our balance and call it dividend ,pls sir can you explain why is it dividend.

Because the units didn't reduce
Prices can always go up or down, so long it doesn't affect one's number of units, I think it's fine.

dammiecool:
Ur units must have increased.

Pls check well

No increase in units yet

They will send it to the bank account.

Bluearrow:
Yes mine disappeared too.
The money wasn't reinvested because my equity units still remain same, maybe they are sending to bank account.

Rico1278:
Anyone using sfs funds, withdrew money last week Thursday,yet to receive it

have you received it?

dammiecool:
Ask AI for future capital appreciation for Total units after dividends were reinvested for both funds.

Calculate for 3 or 5 years

I did...

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AI
What actually determines the long-run winner
It's not the reinvestment mechanism — it's which fund sustains a higher total return year after year. If Fund B keeps compounding at ~61% vs Fund A's ~53% (hypothetically, repeated annually), Fund B pulls further ahead over time, with or without dividend reinvestment.

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I also noticed that UC credited those who invested before or on April 30. CS credited everybody up till July 24. Someone who started investing on July 23 also got the dividend. I think that's part of the reasons for low dividend.

CS dividend is for FY2025

there might still be an interim for FY2026

I guess the last that was paid was for fy2025 interim

I now understand why Zedcrest growth is very high. They reinvest the dividends gotten from the stocks in their basket as they come. And that's why they don't pay dividends.

CS most likely reinvested a part of the total dividend and paid out the rest while UC paid the whole dividend.

When you look closely, you'd realise that Zedcrest has more capital appreciation than CS, CS has more than UC. They have different strategies in the way they all operate.

For those looking for a low-risk investment, FirstAlly Halal investment offers a higher yield return than MMF, currently at 20.27% per annum.

You are now a pro, bro. May God increase the NAV and make us billionaires.

Allboiz:
I now understand why Zedcrest growth is very high. They reinvest the dividends gotten from the stocks in their basket as they come. And that's why they don't pay dividends.

CS most likely reinvested a part of the total dividend and paid out the rest while UC paid the whole dividend.

When you look closely, you'd realise that Zedcrest has more capital appreciation than CS, CS has more than UC. They have different strategies in the way they all operate.

Yakubu is doing his things at the NGX casino. No crying in the casino.

It's a good day to load up on individual stocks.

The gods are wiping our tears in the foreign portfolios today. I hope the market does not nose-dive before closing hours.

CSblackpink:
Yakubu is doing his things at the NGX casino. No crying in the casino.

CSblackpink:
You are now a pro, bro. May God increase the NAV and make us billionaires.

😂😂😂 Thanks to AI

I suffered a lot from June to July. Thank God I had cash at hand to keep buying the dip. Foreign casinos are not for the weak. I'm on the Reddit forum, and the amount those guys have in the stock market makes me scared. Moreover, I hope the casino stays green tonight.

auschris:
It's a good day to load up on individual stocks.

The gods are wiping our tears in the foreign portfolios today. I hope the market does not nose-dive before closing hours.

CSblackpink:
I suffered a lot from June to July. Thank God I had cash at hand to keep buying the dip. Foreign casinos are not for the weak. I'm on the Reddit forum, and the amount those guys have in the stock market makes me scared. Moreover, I hope the casino stays green tonight.

Are u still invested in any Nigeria equity?
Seems your portfolio is now strictly foreign

Yes

Meklex:
have you received it?

I still have Zenith and MMF.

Bluearrow:
Are u still invested in any Nigeria equity?
Seems your portfolio is now strictly foreign

Kanayoooooooooooooooooooooooooooooooooooooooooooooo. 70% in one day. 🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑

Hello All,

I don't know if I'm the only who this is affecting....I just realized that the unit price for subscribing into the Cardinal stone Equity Fund is higher when I want to buy units, but the price displayed on their unit price trend is lower.

Please what could be the reason?

Stanbic BTC always show the bid & offer price for their units..

The bidding price is usually higher with CS and most equity fund managers. When you buy a unit, the NAV price is usually higher than the normal price displayed on the dashboard.

BelieverDE:
Hello Aall,

I don't know if I'm the only who this is affecting....I just realized that the unit price for subscribing into the Cardinal stone Equity Fund is higher when I want to buy units, but the price displayed on their unit price trend is lower.

Please what could be the reason?

Stanbic BTC always show the bid & offer price for their units..

Zedcrest n paramount has dipped for 2 days naw.. kanayo cum oo

To see green these na war....when will the market bounce back sef 😫

Emzedz:
Zedcrest n paramount has dipped for 2 days naw.. kanayo cum oo

Arizona86:
To see green these na war....when will the market bounce back sef 😫

Heavy kanayo loading next week

Zenith and other banks about to declare too