@Rxbremen @ItanolaHafsat I believe MMF can also accommodate the emergency funds, most will pay you within 24hours
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Oluwasinafunmi
270 posts
Two important things you should have before your stock account.
1) Emergency Fund account (6 months expenses), don’t use bank account, use savings app that gives you monthly returns. Ladda is a good one, they give 15% per annum. Cowrywise also has Emergency Fund plan.
2) MMF account, you can use various investments accounts to do this, and their returns varies, from 15% to as high as 20% for some. This return is per year, but it is divided by 12 months, and a fraction is paid to you each month. This allows your money compound for you. Put a good chunk in this and relax.
3) After you have those two, then you can start looking for stocks to buy, if you are buying stocks already, and don’t have those two, chill a bit and fix those two, it would save you later in life.
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@Letter_to_Jack That is why there is a concept called Cost Averaging. Investing (stock market) is more of a long distance race and not a sprint. Some make it in the short run, but it is a long term thing, so your position is faulty. Concentrate of your forte (betting)
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Because the market is on a positive run, if it was on a negative run, would you say this?
The people who bought Jaiz in January, are they in positive?
Ìléríolúwa@Ilerioluwakiye_
If I bought GTCO with 1.5 million in January, it will be worth 1.9m today. If I bought Zenith with 1.5 million in January, it will be worth 2.9 million today. And that's just about 4 months down the land. Again, financial literacy is key and you should have medium/high risk appetite as a Youth.
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@gapwill1 @tesh_ola @compoundinnaira @MudiTheInvestor Send me a DM reminder on Monday afternoon. Let me make a call for you.
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I feel bad for folks whose only objective online is to discourage people from starting small… consistency is the mark of Champions.
Emmanuel Osu@OSUET1
@MudiTheInvestor I started with 25k monthly in Aug 2006, by Aug 2007, my portfolio was up close to 800k and that was the funds, I liquidated to sponsor my JAPA trip for my masters in Sweden. People have no Idea, what consistency and compounding does
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@Letter_to_Jack You’d rather have people not invest (however small), so they don’t run themselves aground, right?👍
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You still invested roughly 20million over a 6 year period. Even with all your deductions.
That’s roughly 300k monthly on average.
I tell my followers the reality of things so they won’t push themselves aground running after dreams. Invest, but be grounded in reality. Some people have more financial room.
Compounding Naira@compoundinnaira
What’s the purpose of your post exactly? To tell your followers not to plan for their future or invest? Your post is also missing a lot of info, for starters, over the 6+ years I have been investing, I have been paid more than ₦9,000,000 in dividends, assuming all of that went back into the portfolio, the ₦35m you claim I have deposited drops to ₦26m. Secondly, if you factor in all the profits from stocks I have sold along the way and put the money into stocks that I still holding today, it will further reduce the ₦26m. Additionally, in 2024 or so, I practically sold all of my UCAP and WAPCO holdings because I needed emergency money. They were sold for more than ₦5m and I withdrew all that money to fix emergencies. When I eventually started adding back funds, the portfolio did not account for that withdrawal. You’re free to post anything sha, all na content I guess.
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@tesh_ola @ADUOLUWATOPE @compoundinnaira @MudiTheInvestor I have been trying to open a stockbroking account for my son (a minor) but none of these houses have been of any help
I’ll appreciate any recommendations
Thank you
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@ADUOLUWATOPE @compoundinnaira @MudiTheInvestor My Dad spent abt ₦100k to buy us GTCO shares during their IPO bcos his account officer was on his neck.
1k for each child, 2k & 4k for him & his wife.
He bought 10k units in total, thanks to bonus everyone's portfolio had done 3.3x
His dividend for last year was over 150k.
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Ask yourself which listed 🇳🇬 companies will gain from this contract? Then, buy their shares.
This is not financial advice o 😁
Nigeria Stories@NigeriaStories
BREAKING: Contracts have been approved by the FEC for three major rail projects after today’s meeting. - Lagos Green Line Rail Project (Phase 1A), - Kano Metro City Rail Project - Kaduna State Light Rail Project. The projects will be financed by the Ministry of Finance Incorporated on behalf of the Federal Government of Nigeria.
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@ADUOLUWATOPE BUA Cement & BUA Foods were given a Sell recommendation by Cardinal Stone for a long time between last year and earlier this year
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When you build wealth to a certain level in life, there are some risks you don’t need to get involved in.
I saved someone who follows me here from investing ₦20 million in Aso Savings last year, lol!
Following yesterday’s tweet, many people shared how they have been misled by their brokers.
See the message attached below. You are your own personal lord and savior in investing, underscore this!
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@TomolaGroup No need to sell, just to identify 2 or 3 and build those ones
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Oluwasinafunmi retweetledi
Good afternoon @Wizarab10 🙏
My newborn has a congenital heart condition and urgently needs surgery (₦18–₦20M). Baby is on Prostaglandins to buy time.
Referred to OAUTHC, Ile-Ife—surgery needed within 5 days.
Please help retweet. We need urgent support 🙏💔
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If you listened to the people who said NGX was going to crash last year, you are late o! Looking at the results I am seeing from non-banking equities. Can you see the forward PEs of some of these non-banking? Wait for the results of the top 10 non-banking equities!
I have been reading about this “crash” story since last year and I kept quiet, busy cooking last year, patiently waiting for Q1 2026 results to give me direction and an idea of where the market is headed!
If you like, continue listening to the tie people and journalists who don't understand how the equity market works!
My fund manager is one of the best in the country! And very prudent! I’d be crying today if I had listened to their advice in January 2025 including that of my CRO!
I hope I chronicle this someday so people can learn, as it represents a major lifetime shift and a clear opportunity for me.
You have to be 2 steps ahead of these people!
Deep investment knowledge and the application area are supreme! Seek it! Dwell in it!
The ASI is not yet in an overvalued zone! But you are late to this party if you were on the sidelines last year. You may probably be walking in when we are walking out!
✌️
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@ADUOLUWATOPE @Meedeey Please do. I am always sharing your posts with my daughters. Thanks for all you do
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@Meedeey Aramide! My tweets can be compressed into a book sef… i keep thinking. I will do something
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Yes, baba nla… I need to be motivated
Tope Adu, PMP@ADUOLUWATOPE
GTCO dividend came handy… You wan see am? 🤔
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@Morris_Monye Poor approach to investment advise
Try and get without understanding the details
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@oluwadamisi Honest question, is @Risevest reliable and licensed?
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@anthonyuzum @gentlemanway007 @ShedomL The term ‘investor’ does not even fit a lot of people getting into the stock market these days
We have more of ‘traders’ who want to buy and sell
However, their position maybe justified because resource availability is not the same across board
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@gentlemanway007 @ShedomL Well said, bro 👏🏾… the reaction is understandable, but the way people are saying they’ll dump the stock on Monday is shocking. Many investors here didn’t buy the stock to hold long term, they’re short-term traders.
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I woke up this morning and saw all the tags and reactions to the UBA Q1 results, and to be honest, I felt disappointed, not because of the result itself, as a weak quarter is normal in investing, but because of how some people are reacting to it. It shows that many still do not fully understand what investing really is, despite everything that has been shared and taught over time by me and other experienced investors on this platform.
The stock market is not a get-rich-quick scheme. It does not move in a straight line, and it is not a one-way street of profit-taking. When a company fails to meet expectations, the stock can decline, and that is how the market works. But the real question is whether the business is still standing.
If you know why you bought a stock and your decision was based on long-term value, then short-term movements should not create fear. This is why understanding what you are buying matters more than reacting to what the market is doing.
If you think in quarters, the market will confuse you. If you think in years, the market will reward you.
So ask yourself why you invested in UBA, because your answer should give you peace of mind, not worry.
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Median house price surely can’t be that.
Rufybaba@Rufyb
"The median house price in Nigeria is now ₦150 million. With the median monthly income sitting below ₦70,000, it would take the average Nigerian worker roughly 178 years of their gross income to afford a median-priced home - without eating, paying bills, or spending a single naira elsewhere."
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@cowrywise why is mutual fund investment not available to Nest account
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A tokunbo Honda accord costs about ₦15 - ₦19M. But can a 28-year-old afford it?
Yes, but it takes planning. Here's how…
Cowrywise@cowrywise
In the early 90s, a brand new Peugeot 505 cost about ₦70,000. How much do you think a tokunbo car costs today and can a 28 year old afford it?
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@CardinalStoneNG Your team couldn’t help with opening account for a minor. Is it that it is no longer possible?
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Dividend season is here. MTNN went ex-dividend on April 9 — ₦15/share. Next up: Zenith Bank, GTCO, UBA, and Access Holdings, all expected to pay in May. Which ones are in your portfolio?
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How many of these are you holding currently?
I'm holding 11.
Stock Bubbles NG@stockbubblesNG
Top 30 on NGX right now ⚡⚡ Apr 20 | 1:15 PM Banks are dominating the board: FIRSTHOLDCO, ACCESSCORP, ZENITHBANK, UBA, GTCO, ETI Also strong: ARADEL, MTNN, WAPCO, NAHCO Money still chasing leadership names into the session 🔄
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