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Welcome to my page am a digital marketer and i teach young and passionate individuals how to make money online. DM me if interested in learning.

28/07/2026

6 WAYS TO STAY CONSISTENT ON FACEBOOK 👇👇.
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27/07/2026

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Do these 5 things to increase your Facebook earnings. 👇👇

22/06/2026

Someone told me to break down the grammar in my posts. Fair point. So today let me explain the most common terms you will keep seeing in this series in the plainest English possible.

1. PE Ratio, Price to Earnings Ratio...
Think of it as the price tag on a company's profits. If a stock has a PE of 5x it means you are paying N5 for every N1 the company earns. Lower PE generally means cheaper. Higher PE means the market expects big future growth and is paying a premium for it today.

2. EPS, Earnings Per Share..
This tells you how much profit the company made for each share you own. If EPS is N25 it means for every single share sitting in your portfolio the company earned N25 in profit on your behalf. Higher EPS is better. Growing EPS year after year is even better.

3. Beta...
This measures how much a stock moves compared to the overall market. The market itself is always 1.0. A Beta of 2.0 means the stock moves twice as much as the market in both directions. A Beta of 0.5 means it moves half as much. High Beta means exciting but risky. Low Beta means boring but stable. For long term investors boring usually wins.

4. Dividend Yield...
This is the income a company pays you just for holding its shares, expressed as a percentage of the share price. If a stock costs N100 and pays you N8 per year in dividends, the yield is 8%. This is your passive income while you wait for the share price to grow.

5. ROE, Return on Equity...
This tells you how efficiently a company uses shareholder money to generate profit. ROE of 44% means for every N100 of your money invested in the business it generates N44 in profit. The higher the better. It is one of the clearest signs of a well run company.

6.ROIC, Return on Invested Capital...
Similar to ROE but broader. It measures how much profit the company generates from all the capital it uses, including both shareholder money and borrowed money. A ROIC above 20% is considered excellent. Above 50% is exceptional. Okomu Oil in our series

21/06/2026

4 Businesses you can start with no money.

check the comments section for more.

20/06/2026

NIGERIAN EQUITY FUND | MAY 2026 UPDATE

This fund just turned a 5-year return of 309.49% while its benchmark sat at 197.33%. Let that sink in before you read another word.

Now let's break it down.

The NGX All-Share Index rose 3.35% in May, a clear slowdown from April's explosive 20.36% gain. That's not a red flag, that's just the market catching its breath after a strong run. Year-to-date, the index is still up an impressive 60.90%.

Inside the fund, the top performers were DANGCEM at +21.65%, Airtel Africa at +21.00%, and ETI at +20.84%. The pullbacks came from Guinness at -18.99%, MTN Nigeria at -10.38%, and Aradel at -4.46%. Normal market rotation. Not every stock wins every month.

Fund facts: size is ₦77.32 billion. Unit price is ₦65,440.20 based of the factsheet. It has dipped to N62k+. Minimum investment is still ₦5,000. Don't let that unit price intimidate you, you're not buying a whole unit outright, your money buys a fraction based on what you invest.

Asset allocation sits at 70.21% equities and 29.79% fixed income, a slightly more balanced mix than the more aggressive equity-heavy funds we've covered.

Sectoral spread is led by Banking at 21.07%, Building Materials at 20.20%, Food at 16.62%, and Agro-Allied at 10.11%, with smaller positions across Conglomerates, Financial Services, Oil and Gas, Insurance, Aviation, Telecoms, and Hospitality. Properly diversified across the real economy.

Now back to that performance number. Year-to-date 2026 return is 51.21% against an index of 44.20%. Over 3 years, 249.81% versus 146.36%. Over 5 years, 309.49% versus 197.33%. This fund hasn't just kept pace with the market, it has consistently and significantly outperformed it.

June outlook stays positive, with some profit-taking expected after recent gains, while fixed income trades on a stable note supported by strong system liquidity.

This is what disciplined, long-term investing looks like. Not chasing hype, just staying the course while professionals manage the

20/06/2026

𝗙𝗨𝗡𝗗 𝗦𝗣𝗢𝗧𝗟𝗜𝗚𝗛𝗧: 𝗔𝗙𝗥𝗜𝗡𝗩𝗘𝗦𝗧 𝗘𝗤𝗨𝗜𝗧𝗬 𝗙𝗨𝗡𝗗, 𝗠𝗔𝗬 𝟮𝟬𝟮𝟲 𝗙𝗔𝗖𝗧𝗦𝗛𝗘𝗘𝗧

Let's read this together because there's a lot here worth understanding.

The headline number that jumps out first is the YTD return. Afrinvest Equity Fund delivered 50.3% year to date. That sounds impressive until you put it next to the benchmark it's actually measured against. The NGX All Share Index itself returned 60.9% over the same period. That means this actively managed fund underperformed the broader market index by over 10 percentage points this year. That is worth sitting with for a moment.

This matters because we've spent a lot of time in this community talking about how active fund management on the Nigerian market has historically beaten passive index tracking. The Stanbic IBTC Ethical Fund and Imaan Fund have both demonstrated that. The Afrinvest Equity Fund this particular month shows the opposite is also possible. Active management does not guarantee outperformance. It only gives you the chance at it.

Now the fund's net asset value did cross N15 billion this month, growing N1.9 billion in a single month to reach N15.5 billion. That growth shows real investor inflows and confidence even if the relative performance versus the index lagged.

Looking at the monthly comparison chart tells the real story. In April the NGXASI gained 20.4% while AEF only captured 17.0% of that move. In May the index gained 3.4% while AEF captured just 1.0%. The fund has been consistently capturing less upside than the broader market in recent months. That gap compounds over time.

The driver behind the index's strength is industrial goods, specifically Dangote Cement touching a new high of N1,180 on news of its proposed London Stock Exchange secondary listing. That single stock move pulled the whole industrial goods sector up 115.7% YTD and likely explains a meaningful chunk of why funds without heavy DANGCEM weighting are lagging.

A few practical numbers worth noti

16/06/2026

5 Assets Every Adult Should Own ASAP ��.

16/06/2026

MTNN is another example.

I currently hold 750 shares with an average cost of ₦663.17 per share. At today's market price of about ₦790, I'm still up by approximately ₦95,126, representing a gain of 19.13%.

Yet MTNN is also one of the stocks that has pulled back from higher levels and contributed to the decline in my portfolio's recent gains.

This is why investors should understand the difference between:

• A stock being down from its recent peak.

• Being in an actual loss position.

They are not the same thing.

Right now, some of my positions are giving back part of the profits they generated earlier in the year. It doesn't feel great, but it's a normal part of investing.

When markets are rising, everyone feels like a genius. The real test comes when prices fall and your paper gains begin to shrink.

That's where having an emergency fund, a money market fund, and a long-term mindset becomes important.

For me, nothing has changed fundamentally. I'm staying invested, focusing on my asset allocation goals, and avoiding emotional decisions.

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