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T33why's Posts

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InvestmentRe: Equity Investment. by t33why: 10:08am On Feb 02
EquityM:
CardinalStone's platform is more user-friendly. Nevertheless, I don't see red in DLM, but both have high daily returns if the market is bullish. By July, I will know which one performs better when they both pay dividends.
Thank you, DLM onboarding really isn't user friendly. I keep getting errors
InvestmentRe: Equity Investment. by t33why: 7:07am On Feb 02
EquityM:
Keep the equity and ARM. Use the other funds to buy the land by splitting the funds. You can now develop the house using your own income while waiting for ARM and the equity fund to bring huge gains. Try and buy the land immediately, and start building gradually from the gains and other channels you have. Don't neglect your portfolio totally because you still need money for other things even though you have a house. Lastly, buy the land, fence it, get all the right papers, and then plan on how to build it.
DLM fixed income vs Cardinal Alpha if you had to pick one?
InvestmentRe: Mutual Funds by t33why: 6:40am On Jan 28
rukyboy:
Exactly what I'm thinking.

These fintechs springing up giving good rates to steal customers from stanbic ibtc.

Don't invest more than 5m. I guess that's the maximum you'll receive if they go under
We really need to know how things work especially on this side of the divide. What you just referred to is the maximum cap applicable and payable to customers of licensed MDBs by the NDIC if for whatever reason they go under. NDIC has no business with asset managers so I'm not sure where the said sum would come from.
InvestmentRe: Equity Investment. by t33why: 1:16pm On Jan 25
EquityM:
If you are a risky investor (500K), I'll put 400k in equity and 100k in DLM fixed income. In two years' time, your 400k will be 800k for sure, no doubt about that. So if you want growth, more equity, fixed income for dividends, and steady growth, you can also try MMF like TrustBanc, which has a steady rate, and this will give you good returns and compounding. I have 500k in TrustBanc and DLM fixed income. DLM has been delivering better than the MMF for daily interest accrued; however, it's too early to judge. Based on my experience, start with a million if you can.
This DLM, is the mode of operation same as Cardinal in terms of the NAV thing
InvestmentRe: Equity Investment. by t33why: 1:12pm On Jan 25
Beeron:
if I were to rebalance your portfolio, I would exit UCap equity fund for a very active one like Afrivest equity fund, exit UCap women whatever and either send the money to Trustbanc or Afrivest.

Same thing applies to Cardinalstone fixed income alpha only if you have less than 2 million there, it's a waste of time if you don't have huge money there when it should be compounding at 19% in Trustbanc.

The illusion here is MMF can also serve as Fixed income fund but we fail to see it.
Thank you for this, I appreciate you and EquityM for this thread, and everyone that's been contributing knowledge here and I especially do not take it for granted.
I'll check out Afrivest, my main isssue with not putting substantial funds in Cardinal Alpha is that I do not just understand the idea behind the reduction in capital for the small amount I've put to test, or maybe I'm looking at it from the lens of MMF
InvestmentRe: Equity Investment. by t33why: 1:03pm On Jan 25
EquityM:
It worth it if you are patient. CardinalStone fixed income fund is good for steady income and dividend payout. You might notice that your money is dropping; it's just the NAV that is fluctuating. Some fund managers use "NAV," and some don't. Basically, most funds require a substantial amount of money to meet certain targets.
Hey thanks senior man for the response. To be honest na you make me go Cardinal, although I've had an account for a while but never invested. I'm still trying to get the whole thing majorly the reduction in capital. The bulk of my funds is in Trustbanc in cowrywise bloom but I'm looking at trying other decent risk and moderate long term growth products hence my foray into UCAP and Cardinal
InvestmentRe: Equity Investment. by t33why: 11:41am On Jan 25
Beeron:
no wahala
So basically all this fixed income and it's different variations are not worth it?

I'm currently in MMF with Trustbanc, recently started UCAP'S equity fund and wealth for women fund , all via cowrywise

Also what's your take on Cardinal's Alpha fund. Just started that too but don't get it yet
PhonesRe: The Xiaomi Thread. by t33why: 7:49pm On Jan 13
jiggar:
Say you want to be charging the phone and using the 3.5mm jack at the same time, doing both won't be possible.
That's a terrible way to use a mobile phone
InvestmentRe: Mutual Funds by t33why: 4:02pm On Jan 11
Batman2412:
I've been seeing trustbanc rate on cowreywise but I'm scared about something I read sometime ago wrt trustbanc closing account that doesn't have some certain kind of millions (I've forgotten the amount). Is it applicable to their mmf? Must I invest several millions at once with trustbanc mmf via cowrywise?
I'm pretty sure that's Standard Chartered Bank not Trustbanc, besides the scope of operations differ
InvestmentRe: What Business Can I Do With 700k by t33why: 6:44am On Jan 08
Sugarboy87:
[I want to ask the same question too]Fellow nairalanders, pls what business can I start with 700k?
I just sold 75% of my Pï coins and after doing some things, I have about 700k left.
This is the first time I'm having such amount of money tbh so I really hope I can use it well.
I know the economy is bad but saving 700k is not a small thing to do for the average Nigerian.
I currently work as a fuel attendant and the money I get daily plus my salary is only enough for feeding and normal costs of living.
I'm 25 and I'm Male jsyk
Serious advice needed, thanks
Go keep it in MMF while you strategize, refrain from entertaining ideas that seem greedy. There's a thread on MMF in the investment section. Cheers
Technology MarketRe: The Xiaomi Thread Store by t33why: 9:58am On Jan 05
hatozeck:
I need Poco M3 Pro 5G battery? What has it here and can deliver today to Onitsha? Elizkid is not responding
Reach out Daniel in the Xiaomi Nigeria Community, his replacement batteries are quite good
InvestmentRe: Mutual Funds by t33why: 1:15pm On Jan 02
Harddiskng:
Thank you for this review.

I am considering Norrenberger with all this Standard Chartered wahala.

Then again, to be fair reflecting on my experience with FBNQ App, your inability to login might have to do with your network. Before i always struggle to log-in it was later I realized if the network isn’t strong enough, it won’t log me in.
It used to work, then it just stopped. That's about the only reason I decided to stop using their service, I don't want to have to be restricted to special conditions to use their service. All this use one network,, don't use one network, your network bar must be full etc no be for me
InvestmentRe: Mutual Funds by t33why: 8:27am On Jan 02
temi4fash:
Lool.
I use the web Norrenberger and it has not failed me before.

This issue with my myinvestar app is giving me concern.

3 days now no access immediately after I on-boarded and the customer care called me that day self..

Maybe I would reach out to them
That'd be your best bet, I thought of reaching out to Norrenberger too when the issues started but then I had just started using their platform less than 2weeks sef and all of a sudden no access on app and web. It was too early for that kind of stress
InvestmentRe: Mutual Funds by t33why: 6:58am On Jan 02
temi4fash:
I have not been able access my investerapp for about 3 days now. Is it same with everyone?

Cc:emmasoft
All good here for myinvestar, had this issue with my Norrenberger app and web, the day I was lucky enough to get into it, I withdrew all my funds
BusinessRe: Banks To Start Charging ₦50 Stamp Duty On Transfers Above ₦10k From January 1st by t33why: 11:25am On Dec 31, 2025
IamtheDef:
Stop spreading misinformation, what is wrong with you people? we know you do not like the country but you are just being mischievous.

THE SENDER NOW BEARS THE STAMP DUTY CHARGE, PREVIOUSLY, THIS CHARGE WAS DEDUCTED FROM THE BENEFICIARY/ RECEIVER. That's an excerpt from the mail sent by UBA
Later Nigerians will say English is their official language, no wonder English proficiency tests for Nigerians expire
InvestmentRe: Mutual Funds by t33why: 5:55am On Nov 26, 2025
Niiade:
Which investment platform is this abeg make I move.
FAAM-- First Ally
InvestmentRe: Mutual Funds by t33why: 6:18am On Nov 25, 2025
Now that's very tempting

InvestmentRe: Mutual Funds by t33why: 6:04am On Oct 07, 2025
doomsdayII:
I was just going to ask this question. Cos I've been playing attention to both stanbic MMF and their corresponding dollar fund via cowrywise and I'm unsure whether to put my funds in MMF or dollar fund
I'm not one for VIAs especially if the provider is available and accessible. I'd rather go direct to the source, that way you avoid 3rd party uncertainty, charges, fees, etc

You need to weigh the attendant risks of both options (they obviously do not carry same risks) different currencies, fund composition also different, and compare with your appetite.
InvestmentRe: Mutual Funds by t33why: 6:56pm On Oct 06, 2025
nickae:
We ran away from Stanbic to Cowrywise, now see what is happening grin
Stanbic is giggling at us and probably doing muuuuuuu now
InvestmentRe: Mutual Funds by t33why: 8:10am On Oct 06, 2025
synoble:
Is this not on Stanbic MMF?

How do you guys get to know transactions or returns of a certain day wasn't added?
Especially if you're not calculating it everyday. The Stanbic MMF app isn't like cowrywise where you get to see the daily rates and returns for each day. Or Is there something I'm missing, kindly put me on pls.
No it's not Stanbic, that's cowrywise
InvestmentRe: Mutual Funds by t33why: 2:18pm On Oct 05, 2025
enemerci:
What do I do now since I registered on the first. Could the first be a scam app or can I use my loving details on both app.

Please what is the way forward like this now
It's not a scam app as it is provided by stanbic, you can verify that yourself from the about app. I believe it's the old version based on the last date of update. The 2nd one is the newer version
InvestmentRe: Mutual Funds by t33why: 8:05am On Oct 05, 2025
enemerci:
Please I am a beginner just created my account to the 57% mark where it says fund wallet. I commenced the fund wallet stage but I was surprised when it generated a stanbic ibtc account for me to use and fund my wallet. I thought it has to be a uba account.

Please does stanbic ibtc have a fake app because I downloaded this from play store and have imputed my ID and BVN.

Please someone should kindly clarify this. I doesn't allow me take a screenshot. i would have attached a screenshot
UBA for collect, it's a Stanbic account via the app or web
InvestmentRe: Mutual Funds by t33why: 6:29pm On Sep 21, 2025
InvestmentRe: Mutual Funds by t33why: 7:54pm On Sep 07, 2025
wkkwl:
What was your experience with both can you share for new comers and also how long have you had it.
I think 99% of people here have experienced stanbic, Reliable is a summary of them..they might not have the highest rate but there's an assuredness about them.

For United capital, I call them perennial low ballers, when they could give you 20%, they'd rather remove 5% from it.
InvestmentRe: Mutual Funds by t33why: 12:07pm On Sep 05, 2025
heavenisreal18:
I couldn't access Blunest app,login failed try again later. Am I the only one experiencing this

InvestmentRe: Mutual Funds by t33why: 2:52pm On Sep 03, 2025
Chidimercy:
My NIN slip was done many years ago, with different address. I recently opened the Mutual fund account with my current address. Even my Stanbic IBTC account have a different address since is old.
Ok, this one pass my power. Maybe chat @emmasoft up, I'm sure he'd give you recommendations. Others would probably chime in too
InvestmentRe: Mutual Funds by t33why: 2:43pm On Sep 03, 2025
Chidimercy:
My bank statement is old, is my old address that is there. So Cantley change the address to the new one?
You can always get your updated statement from your bank app (even signed and stamped from the app for gtbank) but with address different, you might need some other means. How about your NIN slip?
InvestmentRe: Mutual Funds by t33why: 2:37pm On Sep 03, 2025
Chidimercy:
I contacted them, and they are saying the name on the Nepa bill I used as proof of address is not mine. And is a rented apartment.
Use your bank statement, signed and stamped
PoliticsRe: FG Introduces 5% Fuel Tax Under The Harmonized Tax Act (Photos/Video) by t33why: 12:40pm On Sep 03, 2025
COMPAQ:
If petrol went from N197 to as high as N865 and we didnt die, adding N43 to make it N908 will not kill anybody. At a point, we already bought above N900.

We keep pushing and being creative. Thats why cars on the roads are less. People operate from home and online these days. Stay in your house and save money. At least electricity is better. Instead of profitless going up and down to party where the cost of transporting yourself there is more than the value of the rice you will eat.
Unfortunately it isn't as unidirectional as you've put it. Remember Nigerians are some of the greediest people you can find anywhere, and petrol being the source of the taxeans EVERYTHING will somehow be dragged into it, transportation, food, fees, any mundane thing you can think of will automatically get a price review
InvestmentRe: Mutual Funds by t33why: 5:50pm On Sep 02, 2025
Guys please any new user on fbnquest, how do you carry out a transaction? The edge app is not accessible because of the alphanumeric issue and the portal seem not to be ready for use
InvestmentRe: Mutual Funds by t33why: 5:42pm On Sep 02, 2025
Chidimercy:
Please, how do I contact Stanbic MMF customer service. Is urgent, anyone with there email or phone number should help me.
It's on their contact us
070000800900
PhonesRe: The Xiaomi Thread. by t33why: 11:11pm On Aug 24, 2025
genius43:
He is not. He is marketing. Check all his posts.
Realme must be paying seun quite a lot for him to turn a blind eye to how their pathetic inexperienced marketers have messed up the phone section. It's terrible

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