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Cowrywise
30.3K posts
Cowrywise
@cowrywise
Building wealth takes time. We make the wait worth it. Start easy and safe with automated savings and ₦aira & U$D investments. Licensed by the SEC.
Lagos, Nigeria Katılım Temmuz 2016
24 Takip Edilen82.5K Takipçiler
@cowrywise @SolarSupplyCo I am new to cowrywise and have been trying to withdraw my little change, my account was flagged and I don fill form 3 times still unable to withdraw. I need the money asap @cowrywise
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Hello @cowrywise tell me why I funded my account with 100k and I saw only N99,750 ?
What happened to my N250 ?
I need an answer
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Cowrywise is the worst app among the fintech platforms. You get charged to deposit inside their platform, you also get charged to withdraw lol
To make things worse, you guys didn’t flag my account before making deposit even but you flagged it immediately I tried to withdraw!
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@cowrywise Fair on the returns, I'll give you that. But NGX 900% in naira is a dollar loss over the same period. Naira instruments alone are an incomplete wealth strategy. In my opinion, pair it with dollar exposure.
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The concept is right and the discipline is worth building, but 18% returns in naira barely clears current inflation, and over 15 years, your real enemy isn't market performance, it's the naira itself. A strategy pairs with dollar-denominated investments to hedge currency risk.
Cowrywise@cowrywise
How to build a ₦100M investment portfolio on a ₦500k salary. A thread for the Wealthy Generation
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@eagleseyeinc Is this MMF on @cowrywise ? If yes, show me how asap.
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road to ₦100m
esp for salary earners, this is your way out of poverty from 2026
go and start saving 10-20% of your monthly paycheck/earnings on your banks treasury bill (MMF) at 0.18% - 0.20% annually
let’s do 100k monthly savings on 0.18%
year 1: 1.2m x 0.18 = 1,416,000
year 2: 2.6m x 0.18 = 3,086,800
year 3: 4.2m x 0.18 = 5,058,500
year 4: 5.17m x 0.18 = 6,110,600
year 5: 7.3m x 0.18 = 8,626,500
year 6: 9.8m x 0.18 = 11,597,100
year 7: 12.7m x 0.18 = 15,100,500
year 8: 16.3m x 0.18 = 19,234,700
year 9: 20.4m x 0.18 = 24,112,900
year 10: 25.3m x 0.18 = 38,110,000
year 11: 39.3m x 0.18 = 46,385,800
year 12: 47.5m x 0.18 = 56,151,300
year 13: 57.3m x 0.18 = 67,674,500
year 14: 68.8m x 0.18 = 81,272,000
year 15: 82.4m x 0.18 = 101,384,900
it mustn’t be 100k monthly, do more if you can. if you can deposit 200k monthly, you will achieve 100m in just 7.5 years.
you can also increase your t-bills monthly savings if you get an increase in your salary too, building wealth is not rocket science, it’s just mindset.
buena suerte as you listen to sir chris 👍
𝕾𝖎𝖗 𝕮𝖍𝖗𝖎𝖘@eagleseyeinc
₦100m sounds impossible cos you are thinking about it so wrongly, you are imagining saving your way there but it won’t work. for example; if you are saving a min of 100k monthly, it will take you about 85 years to reach 100m... by then, you must’ve died and left your sweat and life savings for your next of kin. but if you channel that same 100k into what i’m about to talk about shortly, it won’t take you more than 15 years to be so liquid and be 100m richer, pay attention to the next quote.
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15 years will come anyway. You can either be a 100M richer or not.
soph@_brumxx
Year 15 ke bye abeg
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@abycolion @OnoruoizaJames @AbayomiOlowu Equity is currently doing 50%+
Balanced is currently doing 30%+
Halal balanced is currently doing 40%+
Only conservative is doing 16%+
We've always recommended diversification. If you invest a little in multiple asset types, the figure given is very possible.
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@cowrywise Not necessarily. ₦100M today is not the same as ₦100M 15 years ago. Real wealth depends on purchasing power, inflation, and how it’s managed—not just the figure.
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So, a little exercise:
Think of someone who had ₦100M in Nigeria 15 years ago.
Now think of someone who has ₦100M today.
Are either of them struggling? 🧵
Frantz Kati@bahdcoder
In 15 years if you've saved 100M congrats. You'll be able to buy bicycle with it 😂
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@abycolion @OnoruoizaJames @AbayomiOlowu The 18% used in the example beats the 15% inflation.
I've broken it down a little more here:
Cowrywise@cowrywise
So, a little exercise: Think of someone who had ₦100M in Nigeria 15 years ago. Now think of someone who has ₦100M today. Are either of them struggling? 🧵
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@cowrywise @OnoruoizaJames @AbayomiOlowu 100M with a low purchasing power is a NO money ,money is purchasing power NOT it's quantity... 100M of today ,have more value than 100M in 15yrs time... Please, when analyzing investment, next time, apply inflation cost too....15% inflation a year in Nigeria is NOT a joke.
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Would you rather not have it?
Also, one reason for investing is to beat inflation another is to grow wealth.
Ayo FBI@PureMinD__
With the way N1million almost has no value in less than 5years, what do you think will be the value of the so called N100M in 15years?
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@koladeafolabi20 What's more interesting is, NGX has done 900% in the last 15 years.
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Inflation bros ranting under this post are somehow closing their eyes to the fact that the 18% annual return is an example.
The NGX has delivered about 40 - 50% in the past few years while accounting for dividends.
In all, NGX and USD diversification is the way.
Cowrywise@cowrywise
How to build a ₦100M investment portfolio on a ₦500k salary. A thread for the Wealthy Generation
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@nyer_o One can only work with past performance. And past performance has been good.
Cowrywise@cowrywise
So, a little exercise: Think of someone who had ₦100M in Nigeria 15 years ago. Now think of someone who has ₦100M today. Are either of them struggling? 🧵
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And will mutual funds give you 18% for 15 years straight!?
Cowrywise@cowrywise
How to build a ₦100M investment portfolio on a ₦500k salary. A thread for the Wealthy Generation
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This is good but inflation will most certainly fuck it up, plus this requires stability.
Cowrywise@cowrywise
How to build a ₦100M investment portfolio on a ₦500k salary. A thread for the Wealthy Generation
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The Wealthy Generation isn't waiting for inflation to calm down.
They're not waiting for the economy to stabilise. They're not waiting for the salary to get bigger or the timing to feel right.
They are building stubbornly, month after month, inside instruments that outrun the very thing everyone else is afraid of.
₦100M is not the ceiling. It is the beginning. You can do it and a lot more, but you gotta start.
Join the Wealthy Generation: cowrywise.com/wealthy-genera…
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