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Investment 101

5 Investment Principles to Use During an Election Period

By | Investment 101, investment principles, Nigeria election | No Comments

Okoro was busy talking to himself, murmuring in his room after looking at his investment portfolio and reviewing the current situation in the country. What do I do now? Election is coming up in 3 months – will the incumbent be retained, or will a new president be voted into power? There is so much uncertainty. Where do I keep the funds I intend to invest, and where do I transfer my existing investment portfolio to maximize returns? Okoro was disturbed. Just before the last election, he withdrew his investments from the stock market only to hear that there was…

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How to deal with the inevitable expenses of 2019

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Some things remain constant with each year while some new situations welcome themselves regardless of our level of preparedness. Here are some things that will likely gulp your money in 2019 apart from your daily home expenses.   School fees – If you’re a parent, you must know that you will pay school fees thrice this year. The last one in September being of a bigger sum because your child will be entering a new class which will demand some financial responsibilities. Valentine’s Day – February still has 14th on it and the world will mark Valentine’s Day. Unless you…

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How 2019 Looks for you as an investor

By | 2019 Investment Oulook, ARM Investment, Investment 101, Money Market Fund | No Comments

With the New Year in sight, it is normal for every investor – including you – to feel a bit of apprehension. You might begin to wonder what the future holds, how the market will fare and whether to increase your investment. All these are valid thoughts and we’ve gone ahead to gather answers to your silent questions. How 2019 looks for you as an investor In the Equities Market: In 2019, the Nigerian economy will stay focused on oil prices output and the currency. These factors, we believe weigh heaviest on investor confidence, and exerts significant influence on our macro…

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How I Got Blacked Out on Black Friday

By | Black Friday, Investment 101, Investment tips, Mutual Fund | No Comments

It was a well-orchestrated cyber bombardment like the Nazi’s aerial attack of Guernica in 1937. Every time I turned on my phone, the ads would pop up, reminding me of how many days were left for Black Friday. It was as if on that day, the sky would turn gold and rain down Naira. At times when I turned on my radio to listen to Top 10 Naija songs of the week, it was Black Friday jingles that would rent the airwaves; the TV stations were not left out. It was annoying and interesting at the same time. Annoying because…

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For smart investors only…

By | Investment 101 | No Comments

2017 was an eventful year for many. While the nation struggled to climb out of the muddy waters of recession and inflation, majority focused on getting. A few, however, discovered opportunities to thrive amidst the difficulties. Whatever side of the divide you belong, congratulations are in order, because you made it through and have now been presented with another chance. Already, 2018 is proving to be quite a package. January is barely over and we have witnessed the recurring inconvenience of petrol scarcity, the buy-over of communication giants, the increasing popularity of cryptocurrencies and a host of other occurrences. All…

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Four things to consider before buying a company’s shares

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When you buy a company’s shares, you buy into that company. You buy into both their assets and liabilities.  It is therefore wise to properly consider and research into the company before you invest your hard earned money. If it is a reputable company, you will find information about their activities online. Factors like the profitability of their business activities, the likelihood of growth and expansion and their stake holder relations history are points to consider. You should also look through their annual reports and financial statements. The pivotal points listed below should guide your decision making: Earnings: Consider the company’s…

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Personal Finance with Raphael- Is this a scam?

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Frank moved to Canada some years ago, not long after his university education in Nigeria. He is doing very well in his career and would like to invest some of his money in Nigeria. A friend told him about a product that pays 30% monthly return on saved capital. Frank likes the high return idea but needs to be sure he is taking the right decision. He never wants to get broke, and is scared of losing his hard-earned money. How can Frank ensure investing in the product would be the right decision? Happy New Year Everyone and welcome to…

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Personal Finance with Raphael- Adewale needs help!

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Adewale Richards a.k.a. Bobo, as fondly called by his friends works in a bank on Victoria Island. Like many other people who work on the Island, he lives on the mainland. Every working day, after work hours Adewale will typically hang out at a bar or restaurant around his work place till late in the night under the guise that he is waiting out the traffic on 3rd mainland bridge. While hanging out, sometimes with friends, he spends between N3,000 and N10,000 daily, regardless of his bank balance or budget. Adewale has no savings whatsoever because he can’t see any…

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Let down your hair, it’s Christmas!

By | Investment 101, Life Bits | No Comments

As exciting as year-end can be, it can also be very busy and demanding. With so many meetings to attend, budgets to put together and pertinent decisions to take, one could easily forget it is supposed to be the ‘holiday’ season. But it has being an eventful year and you have worked round the clock to achieve the victories you recorded. You deserve to take some time off, spoil yourself a little and have a good time this Christmas. So, what are your plans for the holidays? Do you have children returning home or are you kicking it solo? Whichever…

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How much are you losing?

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Bala and Audu met in NYSC. Both from the northern region of the country, compelled to serve their fatherland in faraway Ondo state, it was easy for them to become friends. They had a good year serving their country and even landed jobs in the same organisation. As similar as the young men were, they differed in their attitude to money.  Bala was somewhat future conscious, while Audu adopted a YOLO attitude (You Only Live Once). He wasn’t particularly wasteful, he just didn’t understand why he had to ‘manage’ because of a very distant tomorrow or a rainy day that might…

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