A high income doesn’t automatically mean stability.
You can make plenty money and still be one emergency away from pressure. Real financial security is built through:
• Planning
• Discipline
• Investments
• Wise decisions
Build wisely. Happy Sunday!
The unlisted securities market also closed positive on Monday. The NASD Securities Index gained 0.52% to close at 4,026.64 points, up from 4,005.78. A total of 751,518 units valued at N35.43 million traded across 31 deals. The rally was not limited to the main board today.
Every naira you earn comes to you as either a seed or bread, and most people never stop to decide which one it is before they spend it.
Bread is what you consume. It satisfies today, fills the moment, and disappears without a trace. A seed is what you plant. It sits quietly in the ground, invisible and patient, until one day it returns to you as something far greater than what you buried.
Being rich and being wealthy are not the same thing. You can become rich overnight, but you cannot become wealthy overnight. Wealth is built over time.
NASCON is the most divided stock among analysts this week. Here is what different firms are saying:
PAC Research: Sell — projected decline of 9.52%
Capital Bancorp: Buy — projected upside of 19.05%
Afrinvest: Accumulate — projected upside of 21.7%
Lead Capital: Buy
Four separate firms. Four different views ranging from "sell" to "buy" with 21% upside. When analysts' opinions are this dispersed on a single stock, it tells you the answer is genuinely uncertain and that you need to do your own research rather than blindly follow any single recommendation.
UBA fell 22.27% last week. Capital Bancorp has assigned it a Buy rating with a projected upside of 17.24%. But Afrinvest has placed it under review.
The reason for the divergence: UBA did not propose a final dividend for FY2025. In a market where dividend signals are increasingly shaping investor sentiment, that silence is being treated as a red flag by some analysts.
The central question for UBA investors this week: is the 22.27% price decline an overreaction to the dividend decision, or is the market correctly pricing in a change in the bank's capital return strategy?
FIRSTHOLDCO fell 13.80% last week. This week it has attracted Buy calls from PAC Research (projected upside 11.37%), Meristem (projected upside 13.25%), and a Hold from Afrinest (projected upside 6.4%).
The stock has been punished. Analysts are stepping in.
For investors who understand why prices fall and why they recover, this week's analyst positioning on FIRSTHOLDCO offers a clear case study in how market corrections create opportunities that did not exist a week ago.
ACCESSCORP fell 13.74% last week. This week it has received Buy upgrades from three separate research firms, Meristem (projected upside 17.85%), Capital Bancorp (projected upside 18.70%), and a revision from PAC Research.
Three independent analysts, three Buy calls, all pointing to the same conclusion: the recent price decline has created a compelling entry point.
When multiple firms independently arrive at the same conclusion on a stock after a price correction, it is worth paying attention. This does not mean the stock cannot fall further. It means the risk-reward balance has shifted in favour of buyers at current levels.