Guide for New Retail Investors Entering NGX NGX can build wealth but most beginners lose money by chasing hype. Rule #1: Treat this as a business, not gambling. Start small, learn first, never borrow to invest. Step-by-Step Starter Guide ✔ Open a CSCS account via a broker (e.g. Meristem, Stanbic, Bamboo, or Cowrywise) ✔ Fund with what you can afford to lose ✔ Focus on quality companies with real earnings & dividends (not just stories) Best Beginner Approach: Conservative Portfolio Scale in slowly. Never put all money at once. Key Rules to Survive & Grow: ✔ Buy on dips not green candles ✔ Ignore short-term noise & hype ✔ Dividends > Price speculation ✔ Review portfolio quarterly not daily ✔ Always DYOR. No one cares about your money more than you. Final Advice: The stock market rewards patience and discipline. Start with ₦100k–₦500k Learn for 6–12 months then increase exposure. Markets will test you. Stay calm. Follow for more practical NGX tips. Not financial advice. What’s your biggest fear entering NGX? Drop it below

She still come fine join. 🌳 iwe

Same old story

In whatever you do, consistency is key. O matter gaan

Netherlands vs Japan <1 HT Afar? 🤣🤣🤣

That's a flawed way to look at life. By that logic, every failed entrepreneur never tried, every athlete who didn't win never trained, and every scientist whose experiment failed never did any work. Success is proof of success not proof of effort. There are businesses that failed after years of hard work, startups that ran out of capital despite having good products, and investors who made the right decisions but got unlucky with timing. Results matter but they are not the only evidence that someone tried. The journey, sacrifices, lessons learned, and even documented failures are evidence too. Otherwise, you'd be claiming that only winners ever put in effort which is obviously untrue.

O ti cast

Some people stay so secretive that they hide opportunities from mentors, investors, partners, and friends who could open doors for them. Not every listener is a hater. Sometimes, silence doesn't protect the dream, it slows it down.

Good explanation. Another interesting point is that every dealer is usually licensed to act as a broker but not every broker is a dealer. Dealers take on market risk because they hold securities in their own inventory. If prices fall before they can resell those shares, they bear the loss. In return, they earn from the spread between their buying and selling prices. Brokers, on the other hand, generally earn commissions, fees, or transaction charges for matching buyers and sellers. They do not normally take ownership risk on the securities being traded. In less liquid stocks, dealers can play an important role by providing liquidity when there are few buyers or sellers available. This helps reduce delays in trade execution and can contribute to more efficient price discovery. For retail investors, the distinction is often invisible because many stockbroking firms in Nigeria operate as broker-dealers, meaning they can both execute trades for clients and trade for their own accounts under regulatory guidelines. At the end of the day, both brokers and dealers are essential to keeping the Nigerian stock market functioning smoothly.

My brother is in a dilemma. If he uses the money to buy MTNN shares, he won't have data to come online and see market updates. If he uses the money to buy MTN data, he won't have money left to buy MTNN shares. So every week he funds MTN's revenue, watches MTNN shareholders collect dividends, and promises himself, "next month na my turn." The struggle of a retail investor is real. 😂

Shey the one at Sabo or Ikeja? That Sabo own na my second home. They werey still come dey opposite my Ecobank: chop finish enter go collect money 🤣🤣🤣

Na you dey find fancy chair, wetin do apoti? come Ebute make i tell carpenter run am for you under 4k 🤣🤣🤣

If you are broke as a man don't come to stock market

Make we gather here laugh those wey carry Germany 5:0 Curacao 🤣🤣🤣

If you're looking for growth stocks rather than pure dividend plays, I would focus on companies with strong earnings growth, expanding markets, pricing power, and the ability to compound value over the next 3–5 years. 1. GTCO Growing beyond traditional banking into payments, wealth management, and pension businesses. One of Nigeria's most profitable financial institutions with strong capital and high returns on equity. Beneficiary of higher interest rates and ongoing financial sector reforms. 2. Seplat Energy 2025 revenue grew 144% while production surged 148% following asset acquisitions and operational expansion. Strong cash flow generation and rising dividends. Exposure to both oil and gas, with gas likely becoming increasingly important domestically. 3. Presco One of the best long-term compounders on the NGX. Revenue grew nearly 60% in FY2025, while net income increased over 80%. Nigeria still imports significant palm oil, creating room for domestic producers to grow. 4. Airtel Africa Growth driven by data consumption and mobile money adoption across Africa. After-tax profit increased almost fivefold and the market is anticipating additional value from the Airtel Money business. Long runway from Africa's young and growing population. If I had ₦1 million today for growth GTCO – 30% Seplat – 30% Airtel Africa – 25% Presco – 15% That mix gives exposure to financial services, energy, telecoms, and agriculture, which are among the strongest long-term growth themes on the NGX.

1. Dividend stocks: GTCO, ZENITHBANK, SEPLAT If I were building a dividend portfolio today: GTCO – 40% Zenith Bank – 40% Seplat Energy – 20% 2. Growth stocks: GTCO, AIRTELAFRI, PRESCO & SEPLAT 3. Undervalued stocks: GTCO, ACCESSCORP, LAFARGE, UBA

THE SMART MONEY ZONE This is where institutional portfolios separate from retail thinking. Options: ▪︎Private equity exposure ▪︎Infrastructure funds ▪︎Venture allocations (selectively) ▪︎Diaspora/foreign market ETFs (if accessible) Why it matters: Low correlation to NGX Asymmetric upside potential Long-duration compounding

Turkey did them dirty at World Cup

Dear God, I have money but I want lots of it and sound health and a date with @TheRealCEOAmber 😂😂😂

This comparison misunderstands how banks are structured. A Bank Chairman and a Managing Director/CEO are not the same role. The Chairman leads the Board of Directors and provides oversight, governance, and strategic direction. The MD/CEO runs the bank's day-to-day operations, executes strategy, manages staff, grows profits, and is accountable for performance. In corporate governance, the CEO role is generally considered the more executive and operational position, while the Chairman is a non-executive oversight role. So saying someone became Chairman before another person became CEO is not evidence that one had a bigger banking career than the other. They are different positions with different responsibilities. A fair comparison would be Chairman vs Chairman, or CEO vs CEO not Chairman vs CEO. Or did you mean he should have stepped down from being a founder/CEO of STB and jostled to Chairman's seat ni? 😂😂😂

May be Scotland is not in the World Cup after all