₦airaland Forum

I have made more in equity than i have lost and i am aware of the risk, nobody is stupid here.

I probably won't engage you anymore, because doing that would make it seem like you have any relevance to this thread, when you are actually nothing in the grand scheme of things.
I would advise others to disengage, because replying you does nothing
I want to believe its just fear and ignorance on your part, you will be fine.

Creditalerts:
u are constituting a nuisance on this thread why do u want people to loose there money on gambling equity?where is your conscience?🤡🤡🤮

Thank you , Equity will always be king, If you can bear the risk, no lele,as returns are not guaranteed.
10m in MMF gives you at most 140k as interest..
3m in Equity last month which was even mostly red sef, gave as much as that.
@Creditalert, everyone here who must have read this thread from page 1 to the last 99 knows the risk. Stop constituting a nuisance on this thread, and face your MMF. How childish can you be?? Because you feel we are all anonymous??
We have never come complaining to you, so whats with the self esteem/self hate issues??

Ensol:
My personal experience. I invested 10m in MMF in Jan 4, till date I have only 10.5m. I invested 12.5m in TB at 17% in Jan 15 for a year to get 2.3m after 10% WHT. I invested 10m in stocks Jan 19, till date I have 10.7m due to drags from Fidelity&Nigerian Breweries. I invested 10.2m in GT Equity in Feb 2, till date I have 12.3m. I invested 5m in UCAP Equity in Feb 2 but had to liquidate a month later due to slow growth 5.5m. So most of us already started conservative, tested equities, and observed it outperformance others, that’s why I recently positioned 5m in Zedcrest and paramount because come year end EQUITY IS STILL KING.

CSOF in Cardinal Stone requires a starting investment of 100million if i am not mistaken, Someone correct me if i am wrong
CS equity fund hasnt done so bad this past few days in my own books oo, Zedcrest might have done better but CS is not far behind. Ask Zenith them people for total scores.
Go to Google play store to download Zedcrest Wealth,and register on your own. We no dey too run referral. Everyone understands the risk on their own.

Gokoyer0:
Hi chief,

I have some clarifications to make from you.

Do you know there is any criteria to access access CSOF in cardinal stone? I can't access mine.

Also, why is CS equity fund in cardinal stone has not been performing well? My fund has been negative there for weeks now

Lastly, how can I download Zedcrest and join them. You can share your referral link with me if that's available.

Thanks

I thought the moderators of the thread can delete spam and irritating comments??
Why do i have to sit and read one whole page of rubbish

No be small "catch them dead center in the middle of the act too"😂😂😂😂😂
Like we no dey all still monitor our MMF interest down to the last kobo sef. Whats the difference??Just the shikeni red days for Equity

Iamblessed8888:
Yup yup we do. We also track the ASI daily to know a green day in advance. Infact as early as 11am on a trading day, some folks here can already tell what the day will bring. Oh, i’d be remiss if i don’t mention that some fund managers are in the habit of updating YTD performance by 1am in the night. We make it a habbit to catch them dead center in the middle of the act too

You wan start again?😂😂.

Salarys:
The market was closed for the holidays but Zedcrest went down a huge 1.4% yesterday.

I'm wondering why. Anyone has a reasonable explanation?? Because it doesn't add up.

Other fund users (GT, paramount and the likes), any similar experience? I can speak for Afrinvest as my portfolio with them stays dormant on weekends/public holidays.

Cardinal stone balanced fund

mhoreh:
Please What balanced fund are you subscribed to ?

For the last 1 month, i put in investment in the ratio of 2:1. 2 been Equity and 1 been Balanced fund. Balance fund has done as much as Equity has done, adding today's own, BF has exceeded Equity in terms of profit.
Please note that this is just based off on my own calculation for only 1 month from the 20th of febuary till date. And this is not indicative of past or future perfomance.

Allboiz:
What are these people calculating 😂

Cardinal stone equity recorded a - 0.28 all red while balanced fund did a + 0.23 all green.

Allboiz:
Yes

Let's see what their result would be tonight. If it tallies or is close to the figure AI generated, then they actually invest according to the weight they upload weekly.

Truthbetold, i dont think that you can outrightly callout a particular fund manager, while also adding fradulent into that same paragraph and not expect some reactions, personal or otherwise. You used fraud in that paragraph twice.

While i also understand your concerns, you came at that conversation with all the wrong informations, without doing your proper checks.
And that is simply what Uberchick was also trying to correct. He also addressed your concerns about the reflection of the YTD value with screenshots and evidence, so dont pretend that you didn't see it. So i stand with him on this conversation.

And then there are some of us, who see daily percentage gains and losses on Cardinal stone. Then see no percentage gain and losses on Zedcrest, and depend on people on the group to monitor the calculations for us closely,both with daily screenshots, excel sheets and chat gpt, please keep it up.
Then there is Zrosk, that just samas and hammers you with an email every 5th to 7th of the new month,showing you monthly balance and report, no daily serenren, no time to shalaye. You go fight them

The goal is to stick with fund managers that you are comfortable with how their platform and app works. Your peace of mind and mental health matters to us on this group, because if trends are to be followed, we are still in for more brutal cherry sweet agbalumo red days ahead, irrespective of your fund manager.

@ LoriHamo....And funny enough,yesterday was the worst hit for CS this week, everywhere reddest,both balanced o,both equity,i mean the deepest shade of red, like thick red,blood moon red,deepest shade of lipstick red.
Today was all green everywhere, so you see "today seems not to be the worst".
Fear fear,you for wait small.

Yes i was able to complete sign up and funding on tuesday, still waiting for my allotment certificate which i should be getting today.
I wont do any more chasing again, until i no see my statement of unit holding and performance report by next month begining.
Thank you, you were of big help

EquityM:
Did you finally sign up with Zrosk? I'm planning to top up aggressively with them by next week.

@Beeron, aggressive can be subjective ooo😁. If i have like 200m even 100m, 15m no go be aggressive for equity, it will be considered light investment. Same way you dey tell person wey get 1m as total investment to just test equity with 100k.
I just dey imagine if the market just stays green all through for like weeks on a stretch,you come dey see 7k even 5k sef for every 1m investment everyday, people will port to equity like mad, 1 red day and everybody will turn back to " eh shebi them talk am say equity dey chop person money"🫣🫣

Beeron:
Chief, I know you are surprised at the loss, hence the reason you voicing out.

(Let me make you smile)

If you had made equivalent gains of your current loss, will you have reported to the house?)

(That's on a lighter note; just kidding you, cheer up Chief)


Truth is, you went into it aggressively, you could have test the waters before investing a huge chunk in it. However, you still didn't make any mistake if you have the patience to wait it out. You will eventually smile.


As long as you haven't pull out your money yet, your current loss is regarded as "paper loss" not real loss.

You only going through the motions of emotions right now such as fear, grief, regret, confusion etc.

As long as you are calm and stay invested, it will all pass, you will smile again, I promise you.

Once you get back you capital and you know you not fit for this type of emotional rollercoaster, please move back the money to MMF or just invest little you wouldn't lose sleep over.

Equity is a game of patience.
It shouldnt be something you put in today and take out tomorrow because of fear. Records have shown that no matter what happen, the performance for previous years as a whole will always beat MMF. You dont judge equity by the performance of 1 day. That money has to stay at least a year for you to see growth.
Judging by the screenshoot of someone here who invested 1 million into 3 funds during the good green days,he got about 7k interest on 1million in 1 day. If you had 15m in equity on that day,you would have made like #105,000. And this is what 8millions generally would have given you in a whole month in MMF
Please stop looking at equity with the eyes of MMF, if you cannot play the long game or bear the red days,patiently wait for the money to balance up and then port back to MMF.
Them no dey use fear dey equity, every thing would balance up and more before the financial year runs out.

Mixology:
Guys I put 15m from my mmf into Stanbic balance but it has depleted badly. I may withdraw the money once it bounces back sha. The red is too much oh

I started my Equity journey with CS on friday last week, credited my account by past 2. Although i didnt particapate in the gains of the day, but i got an extra 5k on top of my capital when it reflected.

froshroy:
Please when is the best time to top up equity market fund to avoid getting a negative value?

I thought of the special quota thinngyy also,that that could also be a reason why they are usually not in a hurry to accept investors. But maybe when you are in,you get the attention you need.
Same way Halo talk say their slot don full.
Can i please the whatsapp number of anyone in Zrosk??

EquityM:
I just watched the Zrosk equity presentation on YouTube. The fund is designated as a specialized fund rather than a mutual fund, so they have a special quota and may accept or reject any application. I'll stick with them because the video altered my perspective. Here is the link to the fund presentation on YouTube.


https://www.youtube.com/watch?v=GmzpMabwCEc?si=KM5_z8UJ0bIGlSqM

We are saying the same thing, Zrosk hasnt looked my way yet since registering last week, while it was easy accessing Zedcrest😁😁.
I registered for both at the same time, and i am already getting a call from Zedcrest to complete registration

Bluearrow:
This your comment is funny
U turned it into man & woman relationship
Concerning zedcrest I think there is a mix up
I signed up on zedcrest recently & the process was very smooth. Deposit is fast. When u buy equity on zedcrest, it reflects immediately, unlike others that take 6 to12 hours.

If i am moving 5million with them,i am in for the long run. So it is not a debit center where i will be running around looking to withdraw money from. That is what Stanbic MMF is there for🫣
Any period equity moves mad with red days for prolonged period of times, and nobody answers me, na to match straight to their office and we are going to be manually doing the withdrawal like bank tellers, like with pen and paper shit. I will wait them out this week and move on. Hoping to get a response though

Allboiz:
Lol
It is when you need your money you'd know that Zrosk's customer service is counterproductive.
It's funny you're applauding them for ignoring you.

I dont think they have an app.
Registered last week,still waiting on them to send me a response of any kind. Would have move more funds to CS equity, but i will be patient and wait them out, i like their vibes,acting all non chalant with their high entry quota.
Zedcrest felt a bit off to me,i am not saying that anything is wrong with them ooo. I downloaded their app,put in basic detail,didnt verify my email, and i am getting a call from a customer agent person today, who didnt sound so sure of herself.
I even called Zrosk last week on the number i found on their website, noone picked,today the number is switched off,who turns off an offical platform??who does that??Apparently Zrosk!!! i then mailed them today,no response. Those guys are playing hard to get,and its sexy and i like it.
So which is better, someone who chases after me, abi person wey i dey chase after.
Money needs to be moved,but the people i want dont seem to want me. Might just end up funding stanbic as my 2nd equity account.

mhoreh:
Please can anyone help with the app for Zrosk

Like guuuyyyy!!!!
No be lie ooo,the only reason i am still with them,is because of 1 meeting like that wey them talk say suppose hold this febuary to determine something something. And this compounding of interest that is done monthly.
Because after removing management fees from other management companies ,coupled with rhe fact that their own compounding is done quarterly,havent done the maths though,everyone go still dey the same average in the long run

Bluearrow:
I think stanbic is the worst performing fund manager when it comes to MMF right now. They are not even making effort to try, they have become very lazy. Left for only them mmf would have drop to 10% interest rate by now.

Hi EquityM,
Is there a way to talk privately with you on call

I understand what you have written. Like I also wrote somewhere,I understand how the Money market fund works because that is majorly what we have been talking about here. It has been made so simple. I put 1 Naira, I get 15- 22% interest depending on what is on board for each day. And that is because of where the money is being invested in. The others are not that simple. I will watch the other funds till the end of the year, pack my losses, gains and lessons. All of them carry risk, both low,mid or high.I am aware, it is in the name "risk". Make person no follow me oo,na my choice. Please stick to the usual MMf, treasury bill, federal government bonds and the likes of them, Capital and interest is guaranteed.

emmasoft:
I understand what you are trying to do. This is not the best way to see how an investment works; the best thing is to read about it, ask those who have been involved, and then start with what you understand most. Even if everything goes well, as in non depreciated, you will still be ignorant of the investment because you will not know the reason for the outcome. When it comes to investment, know the principles that govern them, and you will be able to invest properly.

If you read about mutual funds, for instance, it will be clear to you that it's the underlying assets that determine how a mutual fund works and the level of risk involved.

Let's be well guided.

You have to learn to earn. The best way is to learn by observation, not from experience, because one may not be there after the experience to use the lesson learnt. In 2008/2009, many who had a bad experience in trying to learn how stock investment works are yet to recover till today; many are no more.

I am a gal just testing the waters😏😏

nickae:
Make una free the guy na...lol, he was just testing the waters

i Intentionally put away #60,000 for this research, hoping to gain more knowledge on how it works, as i already know what i am to earn with MMF based on the percentage for the day. No one here talks about the other 7 investment funds, just MMF. So that is why a little amount of money was sacrificed. It is how risk works. Therefore you are somehow right and somehow wrong when you say the investment was done blindly. I did it blindly because i know nothing about it, also done because i want to see how it works

bassdow:
what you did wasn't wise at all. You don't invest blindly. You need be sure (at least to some extent) you have idea of what you're doing.

What you doing is nothing but Gambling which ain't right

I invested 10K in each on the 6th of August. At the moment, For Stanbic IBTC Shariah Fixed Income Fund, i have #10,036. For Stanbic IBTC Balanced Fund, i have #9,560. For Stanbic IBTC Enhanced Short Term Fixed Income Fund, i have #10,060. For Stanbic IBTC Guaranteed Investment Fund, I have #9,919. For Stanbic IBTC Ethical Fund, i have #9,463. For Stanbic IBTC Nigerian Equity Fund, i have #9,471. My intention was to create a spread sheet to monitor the fluctuations, both for the interest and losses made. But i got distracted and couldn't. I was trying to see if i could diversify away from just MMF with my findings.

ytdivine:
Please can you state the two that have given you positive results

I invested #10,000 each in all the remaining 7 other investments on the app, just to test it out except MMF . I have lost approximately #1000 on about 4 of them. My account in reading #9 thousands something on the different investments. Na only like 2 that has gone beyond the #10,000 I invested. The others na just losses upon losses. But I go leave am like that for now instead of pulling out the funds

ytdivine:
Hello my fellow investors,
I have been on this MMF for over 8yrs, today, I decided to taste Stanbic Equity Fund since this new App makes easy to navigate to other options.
I paid #10k this morning but what shows on the display is #9,856. It became a surprise to me.

Please, expert in the house, is it how easy it is to lose money here or is there something I didn't do right?
Expecting more insight

I experienced same thing,I credited my funds on Sunday, I had to send a strongly worded mail on Wednesday before my balance reflected

nnewsnjobs:
From my old stanbic app,

I sent money for investment to Stanbic IBTC Nigerian Equity Fund since on the 4/8/2025, up till now the money is not yet reflecting on my account in the app.

Also sent money for investment to Stanbic IBTC Guarantee Investment Fund since on the 5/8/2025, up till now the money is not yet reflecting on my account in the app.

Is this how long the money usually take to reflect, or is there anything wrong somewhere, because this is my first time trying to invest in the two investments platform above.

I have been investing in Stanbic money market with any issue and once I deposit before 12noon, the money usually reflects in my account that same day.

This one weak me, someone should help me out.

I am not selling 100k or 120k.
Thank you for the offer.

The last price is 230k.
The receipt and accessories are intact.
Phone was bought on the 11th of July.
My location is Anthony, Lagos.

fitlaw:
How much is your last price and your location in Lagos? And do you have your receipt and accessories for the phone. Let me know. Thanks

You cant blame me oo, because i have lived in that house for so long and never experienced such. Till today i am still traumatized and i still hide my money ooo, even though it doesnt go missing anymore. The fear is still there. Now i know better

Nnamdipapa:
We are to quick to blame spiritual for real world problems