WaytoGo's Posts

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Investment › Re: Equity Investment. by WaytoGo: 11:55am On Jan 23

welzyj2:
Not about his capital. My capital is lesser than his but over the last weekend, it was all green on my side as well.

We all experience the green and red the difference is in our quantum

You didn't get my point but you've somehow confirmed my point.

Investment › Re: Equity Investment. by WaytoGo: 6:36pm On Jan 22

Beeron:
Yes they are sec approved and they manage their own fund called cowrywise money market fund.

Go on sec website, look it up via Google or utilize AI and make your findings.

Checked, confirmed 👍👍👍👍👍👍👍

Investment › Re: Equity Investment. by WaytoGo: 6:36pm On Jan 22

compunigeria:
I am with Afrivest too, but my observation is that the rates you posted for cardinal equity were higher compared to Afrivest, especially the green days. Another is that, no returns for weekends and Public holidays. This is probably because their fund has more stocks investments.

Are you aware of the amount of his capital?

Investment › Re: Equity Investment. by WaytoGo: 3:09pm On Jan 22

Beeron:
cowrywise has only perfected the trade and expertise of quick customer service, quick funding, quick cash out, Quick trade execution.

And if you notice most complaints by Afrivest app users are complaining about all the aforementioned.

Please, can you provide a little bit of info about this ' Cowrywise " platform?

Are they just fintech or registered under the SEC or better still how do I check them up to know my money is safe since ( I don't think) they are a fund manager or are they?

1 Like

Investment › Re: Equity Investment. by WaytoGo: 3:06pm On Jan 22

EquityM:
I mean, if other fund managers are doing well at the moment, I won't want to move my funds around; nevertheless, I might fish around and decide what is best for me. I already tried Afrinvest equity with 20k; I'll see how the market is doing and compare it with Cardinal.

Now, that's business, not emotional or unprofitable loyalty to a manager. 👍👍👍

1 Like

Investment › Re: Equity Investment. by WaytoGo: 2:18pm On Jan 22

EquityM:
I will stick with CardinalStone; others will only get 10-50k. The market is really bearish now; I will buy more and split my funds around.

Not bad for someone like you with a huge some in the market via Cardinal stone.

This is what I am looking at, beyond platform or management ;

Beyond the gains,beyond equity but their fixed fund too- I am looking at this from the angle of professionism that comes with their in-house combined selection of stocks,their analysis, and ability to make the right choice and, if for instance one seems to have that ability beyond them, then, might be wise to opt for it cos I am able to place my money where both fixed, Etf''s, and Equity, etc works.

This is just my personal opinion , please.

1 Like

Investment › Re: Equity Investment. by WaytoGo: 2:11pm On Jan 22

EquityM:
I will stick with CardinalStone; others will only get 10-50k. The market is really bearish now; I will buy more and split my funds around.

Can you elaborate on the bolded, I didn't understand.

Investment › Re: Equity Investment. by WaytoGo: 1:55pm On Jan 22

mikeayus:
Does it mean investing with Afriinvest via a middleman (cowrywise) is better than dealing with them directly?

I think we can now all agree opting for the Equity platform/manager that makes good selection of trade or stocks within the market with easy or instant liquity is the best ?

At this point now, I think I have to use my head and be matured about it cos , this is like a business for me now.

Investment › Re: Equity Investment. by WaytoGo: 11:00am On Jan 22

EquityM:
For liquidity, one has to link the account using Paystack; however, you can still manually link your account, and you have an e-wallet account to fund your account as well. I will try the equity and the NIDF. I am not loyal to any fund manager; nevertheless, I do check if they are legit, the custodians and trustees.

No time and no room for emotion where money and business are involved. 👈

2 Likes

Investment › Re: Equity Investment. by WaytoGo: 10:40am On Jan 22

EquityM:
Yes, I signed up already but am pondering whether to invest or not. They do have NDIF, which does around 24YTD yearly. Funding is seamless like CardinalStone.

With instant liquidity and 24YTD record I think I may dive in as well.

Investment › Re: Equity Investment. by WaytoGo: 10:16am On Jan 22

Salarys:
The guys at Afrinvest equity fund must be doing something right as they've only had 1 negative since the year began which is almost insignificant if you look at the percentage change in comparison with the greens.

It looks like they have a good selection of solid stocks. But the question begging for an answer is, is their withdrawal/liquidity as fast/instant as Cardinalstone?

Investment › Re: Equity Investment. by WaytoGo: 10:44pm On Jan 21

EquityM:
Yes, your capital is safe. However, in order to liquidate, the NAV must be high on that day. The NAV is low today; if I should sell it off, I will be at a loss. Attached below is the paper loss; once the NAV gets back on track, the paper loss will reset to 0.

Impressive but where do you get your daily NAV rate from , can I access it yet?

Investment › Re: Equity Investment. by WaytoGo: 9:40pm On Jan 21

EquityM:
"Bearish" means today's rate dropped lower, which affects the NAV. It's a paper loss; once the rate gets higher, the NAV will get back on track. Some fixed income funds do not utilize NAV, while some do. Quantum Zenith and DLM do not use it; thus, I make normal earnings from them. However, the NAV is better in the long run. More money if the NAV goes up.

I see -2k+ , so, the NAV is affected but your capital is secured in Fixed.

Investment › Re: Equity Investment. by WaytoGo: 9:13pm On Jan 21

EquityM:
Equity = Bearish. 10k+ loss today, still have 35k as profit thanks to yesterday earnings.
Fixed income funds = Bearish. 21/01/2026

January might be sluggish; this is the time to buy more units for better gains when the market is back on track.

Gearing up to dive in and this is inspired by your passion and inspirations.

Please, how does ' Fixed ' bearish look like?

Investment › Re: Mutual Funds by WaytoGo: 4:09pm On Jan 18

The Securities and Exchange Commission (SEC) of Nigeria officially released the revised Minimum Capital Requirements for all Capital Market Operators (CMOs).

The era of the boutique operator is ending.
This is a structural purge designed to force consolidation and ensure that only the most resilient institutions handle your wealth.

1. The Macro Context: Why Now?
The previous capital rules were established over a decade ago. Since then, the Nigerian economy has faced massive currency adjustments, triple-digit inflation, and the rise of high-risk digital assets.
The SEC’s logic is simple: If a company manages billions in assets but only has ₦150 million in its own bank, it lacks the skin in the game to survive a systemic shock. By jacking up these requirements, the regulator is aligning the capital market with the ongoing Banking Recapitalization (which concludes March 31, 2026) to create a unified, bulletproof financial sector.

2. The New Scoreboard: Old vs. New Capital
The increases are massive, some categories are seeing a 1,000% jump in required paid-up capital:
• Issuing Houses (Underwriting): Increased from ₦200 Million to ₦7 Billion. These are the firms that back Trillion-Naira IPOs. They must now possess the scale of mini-banks to carry such risks.
• Fund Managers (Tier 1/Full Scope): Increased from ₦150 Million to ₦5 Billion. Any firm managing massive collective investment schemes must prove they have the scale to protect retail pools.
• Broker-Dealers: Increased from ₦300 Million to ₦2 Billion. To handle margin lending and proprietary trading in today's high-volume market, paper wealth is no longer enough.
• Trustees: Increased from ₦300 Million to ₦2 Billion. As the guardians of bondholders and estate assets, their financial weight must match their responsibility.
• Registrars: Increased from ₦150 Million to ₦2.5 Billion. Managing the data and dividends of millions of shareholders requires massive ICT and security investment.
• Digital Asset Exchanges: Now set at a ₦2 Billion minimum. The SEC is legitimizing crypto and digital trading but only for those with deep pockets.
• Fintech: Increased from ₦10 Million to ₦100 Million. A tenfold increase to ensure these digital apps aren't "fly-by-night" operations.

3. The Industry Shake-out: Mergers or Exit
The deadline for compliance is June 30, 2027. Between now and then, expect a wave of Mergers and Acquisitions:

• Consolidation: Nigeria currently has one of the highest numbers of market intermediaries globally. The SEC Director General, Dr. Emomotimi Agama, has noted that consolidation is necessary to improve compliance and efficiency.
• The Purge of Dormant Firms: This rule effectively shuts the doors on briefcase firms that lack the infrastructure to protect investors.
• Innovation vs. Stability: While some argue this marginalizes smaller startups, the priority is systemic resilience. Stronger institutions are vital to achieving the Federal Government's $1 trillion economy aspiration.

4. The Investor Playbook: Safety Over Speed
As an investor, you should not be afraid of this change, you should embrace it. A recapitalized market is a bullish market.

How to Vet Your Partners in 2026:
• Check the Balance Sheet: If your broker or fund manager hasn't announced a capital-raising plan (Rights Issue or Private Placement) by Q4 2026, they are likely a takeover target or headed for suspension.
• Focus on the Super-Operators: Much like we focus on the Four Horsemen, focus on the institutional giants who already meet or are close to the targets.
• Digital Safety: If you use a Fintech app for stocks, verify their licensing tier. The ₦100M floor is the new table stakes for your trust.

The Verdict: The SEC is building a fortress for the 2026–2035 decade. While the ₦7 Billion entry fee for some sounds high, it is the price of admission for a world-class, globally competitive capital market.

6 Likes

Investment › Re: Equity Investment. by WaytoGo: 11:18am On Jan 16

Beeron:
Glad you took this leap of faith.

Now eventhough it's general knowledge that we advise that you have a backup money market fund (which I believe you already investing in), you are not making a wrong decision investing in Equity at all.

As a starter, leave the bulk of your investment capital in money market fund.

Then test the Equity waters, with a little spare cash, if it something you like, then you can go all in with bigger funds.

Nigeria economy swings like a pendulum to either money market or stock market, so you very strategic right now positioning yourself in both places. Welcome onboard.

This is well noted and taken. Thank you for your input from your wealth of knowledge.

1 Like

Investment › Re: Equity Investment. by WaytoGo: 11:12am On Jan 16

EquityM:
Click on this link to subscribe to daily equity reports and other stuff related to trading.

https://research.cardinalstone.com/reports

You will see a message icon on the website; click on it to subscribe to daily updates. Additionally, go to CardinalStone Research - Model Equity Portfolio - 12 January 2026 to see all the stocks in the equity portfolio. Back to your questions, equity fund investment takes patience and time; gains and losses make it more interesting than any other fund. If you can't take a risk, then it is not your thing. Your money might drop tomorrow and increase the next day. To make a profit, don't withdraw your gains, unlike MMF. You can start with 40k-50k to test it out. We have been making gains since Monday; unfortunately, red came yesterday. That is how the game is. @Beeron will add more information. I wish you success in Jesus' name. Lastly, you don't need to check your CSCS or CHN number online; it's automatic. You can buy stocks right away.

At the bolded, how then is it possible to independently monitor my stock performances, dividends, etc?

Investment › Re: Equity Investment. by WaytoGo: 11:10am On Jan 16

EquityM:
Guys, an excellent investment is a fixed-income fund. My 300k+ is making significant gains. Having it alongside MMF is beneficial because it occasionally outperforms MMF's daily rate.

From your 300,000 what's your average daily interest rate?

Investment › Re: Equity Investment. by WaytoGo: 11:08am On Jan 16

EquityM:
Click on this link to subscribe to daily equity reports and other stuff related to trading.

https://research.cardinalstone.com/reports

You will see a message icon on the website; click on it to subscribe to daily updates. Additionally, go to CardinalStone Research - Model Equity Portfolio - 12 January 2026 to see all the stocks in the equity portfolio. Back to your questions, equity fund investment takes patience and time; gains and losses make it more interesting than any other fund. If you can't take a risk, then it is not your thing. Your money might drop tomorrow and increase the next day. To make a profit, don't withdraw your gains, unlike MMF. You can start with 40k-50k to test it out. We have been making gains since Monday; unfortunately, red came yesterday. That is how the game is. @Beeron will add more information. I wish you success in Jesus' name. Lastly, you don't need to check your CSCS or CHN number online; it's automatic. You can buy stocks right away.

I am blown away by your generosity especially your desire and passion to impact people's lives.

Thank you so much not just for this act of love but impactful attitude in the lives of people or your followers.

Regards.

1 Like

Investment › Re: Equity Investment. by WaytoGo: 11:01pm On Jan 15

EquityM:
I will get back to you with the answers tomorrow. CSCS and CHN are mainly for buying stocks. Once you register with CardinalStone, the CSCS and CHN are assigned to you automatically. I will get back to you with a link to see all the stocks in the equity fund. Registrar, you don't have to click the link.

Yes, please. I would really appreciate answers to my questions. And pardon the typos, I have made some corrections for more clarity.

Regards.

Investment › Re: Equity Investment. by WaytoGo: 8:53pm On Jan 15*

Kudus , @EquityM,

I am led here cos of you, you inspired my presence here and please could you please kindly help with these questions as I am new to this market being a chronic MMF investor so pardon my ignorance..

Cirdinalstone - I registered yesterday and I got both my account approved tier 1 and 2 respectively.

I was also given an SCSC/CHN number;
Please, how do I utilise these numbers as I tried to confirm or register the number via the SCSC official web account but I got denied because, they claim the number wasn't correct is there anything I didn't do right or do I need Cardialstone's further approval or enter the market before I could achieve that?

Secondly, what's the use of ' LINK REGISTRAR ACCOUNT or CARDINALSTONE REGISTRARS "(on the app) any need or use for it?

Thirsty, as I stepped into this market " Equity fund " which I tagged or considered as ETF partner cos they are quite related in terms of many stocks in one basket ...... How do one study the market, identify the number of stocks or companies enclosed in Cardinal Stone Equity for a glimpse of what you are putting your money into ;

Any link to where this full basket of stocks can be monitored, a platform where you can read a chart about tomorrow or before the opening of the market today for a glimpse of where the market might be heading or at least, an idea of how the equity chart works?

I would really appreciate your response as this will help kickstart my journey into this new endeavour.
@Beroon, will also appreciate your wealth of knowledge input to these questions.

I am in. No going back.

Thanks in advance.

Programming › Re: My Website/Web Application Projects by WaytoGo: 1:48pm On Mar 08, 2025

Your contact details?

Programming › Web Developer, Please Come In. by WaytoGo(op): 12:45pm On Dec 03, 2024

If you are a solid and legit web developer with attention to detail ( not scammer or amateur please) do identify yourself.

Regards.

Webmasters › Re: Genuine & Non-scammer Web Developer Wanted by WaytoGo(op): 7:41am On Dec 03, 2024

Thank you all for reaching out. I will look up your profile and reach out to you accordingly.

Webmasters › Genuine & Non-scammer Web Developer Wanted by WaytoGo(op): 9:52pm On Dec 02, 2024

Hello,

Please, if you are a Genuine & Non-scammer Web developer ( not a designer please) who knows his onions and pays attention to details, do reach out for a job and negotiation.

Your job is simply to build a forum and migrate the old to the developed forum.

Regards.

Webmasters › Re: Web Designers Wanted Unprofessionals To Steer Clear by WaytoGo(op): 1:41pm On Nov 20, 2024

thinkaxis:
You started it by calling me unprofessional.

The issue above happens both ways, I have many clients that won't complete payment after work is done. It's selfish not striking a balance between a developer and a client.

Also watch how you generalize everyone in your write up. Not all developers are dishonest, most of these clients are always the cause when they start looking for cheap work they get scammed.

I wish you the best. I am out.

I am sorry I called you that but you judged me first without understanding the source of my pains and why reacted that way.

It's just so sad that most Nigerians are insincere and not straightforward. It hurts my brother, this incident happened up to three times and now, the fear of not falling victim again is always there.

Webmasters › Re: Web Designers Wanted Unprofessionals To Steer Clear by WaytoGo(op): 1:20pm On Nov 20, 2024

thinkaxis:
1. A professional won't post clients work in a public forum

2. A professional won't code a project from scratch to finish without part payment

3. A professional chooses the kind of client they work with for their mental health.

From the look of things you don't need a professional what you need is an inexperienced webmaster.

Thank you for your input.

I am sorry your expectations were met.
Like I mentioned in my OP or thread, the need for. This arises because the one who asked me to help find someone has been a victim of an unprofessional designer or builder - where the web designer was controlling and hoarding the client's login details after finishing the job, denying him logins to the panel, insisting on being paid annually for renewal of domain( even tho the owner didn't want that), sharing and posting on the forum with him like they were co-owners to mention but few. But of course, as the Nigerian that you are, this doesn't matter to you, you just want to have a say without understanding the pains and what brought about the initial post and why it was necessary.

My brother, let's learn to mind our business and not judge people especially if you've never paid someone to work for you, do a job for you only for him to want to have control over everything you paid for.

Understand the value of money, most Nigerians lack commitment and attention to detail. Mind you, these incidents happened more than once.

Regards.

Webmasters › Re: Web Designers Wanted Unprofessionals To Steer Clear by WaytoGo(op): 12:45pm On Nov 20, 2024

losprince:
You yourself are being unprofessional but looking for a professional! You're a hypocrite and an arrogant and condescending brat.

It's your type that we call clients from hell, and anybody who values their time and sanity would be wise to steer clear.

Oh yen yen yen. This one is not a webmaster or designer o but of course, a typical jobless, mitwit Nigerian who just derive strength in pokenosing into another person's affairs. Oya, tell me how I was being unprofessional now?/ huh

Webmasters › Re: Web Designers Wanted Unprofessionals To Steer Clear by WaytoGo(op): 6:50am On Nov 20, 2024

thinkaxis:
I think you don't know what you want.

I think you should ignore my post since you already know I don't know what I want according to you.

And thanks for proving your unprofessionalism.

Webmasters › Re: Do You Need A Website Designer? by WaytoGo: 2:22am On Nov 20, 2024

Pramooodthe:
Hello there! Are you in need of a professional web developer for your website? Look no further, as you've come to the right place.

I am an Expert Website Developer with hands-on experience in Web Development, Search Engine Optimization (SEO), Content Writing and Website Management.

I am your favourite Website Developer with high proficiency using HTML, CSS, Bootstrap, Javascript, React Js, Node Js, PHP, Laravel; and CMS such as WordPress, Shopify, Joomla, Squarespace and Wix.

MY AREAS OF EXPERTISE:

+ Investment
+ Banking
+ E-commerce
+ Company
+ Real Estate
+ Networking
+ Educational
...and many more!

Feel free to reach out to me to view my portfolio and previous projects.

CONTACT ME VIA CALL OR WHATSAPP: +234 814 888 2303

https://www.nairaland.com/8271780/web-designers-wanted-unprofessionals-steer

Webmasters › Re: Web Designers Wanted Unprofessionals To Steer Clear by WaytoGo(op): 1:44am On Nov 20, 2024

thinkaxis:
Interested

Show samples of your works before we move to WhatsApp and please, confirm that you can build a forum/website from scratch without using an open template or software.

Regards.

Webmasters › Web Designers Wanted Unprofessionals To Steer Clear by WaytoGo(op): 1:07am On Nov 20, 2024

If you are a sound web designer who can build a website or a forum from scratch with a good record and reputation ( scammer steer clear I know una plenty for here)and know your job on Nairaland and without and can get your job done and get paid afterwards please leave a comment or message here.

NB; you get your job done, no stories, you get your money. Mind you, the need for this arises because the owner was scammed more than once before.

Also, lastly, the web designer must know his job and have an attentive ear for details and needs of his client.

Also, avoid referring to yourself as ' we or us ' An individual who knows his job and is ready to work without giving excuses would be preferred and, please, make sure you are not in the category of those quack or unprofessional web designers who go about hoarding their client details, log in, or sharing with them the information of the job after a well-done job. Once beaten, twice shy.

Regards.

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