Nasseh Karfe

Risk Management Expert◾CMA◾Farmer◾Management Enthusiast ◾

[Nasseh Karfe @KarfeJr]

It feels so good to fall in love. It excites and strengthens me. I could literally feel tickles. Maybe because it showers in abundance, or maybe because its sinks deep into every fibre of my being. My world is built on this Love.

Thread👇

[Ndubuisi Ekekwe @ndekekwe]

Career is more than making money. Yet, money has a way of reducing many inconveniences of life. That is why I still find it strange that a young person can attend a university for four or five years and graduate without anyone making a deliberate effort to educate him or her on personal economy and finance.

Yes, universities teach corporate finance, accounting, economics, and broad frameworks on how companies and governments optimize factors of production to create value. But very few systems teach young people how to manage their own money, build assets, allocate capital, and develop long-term financial independence. For me, that remains one of the major gaps in modern education. If education is the liberation of the mind, financial liberation should be a required course.

As a banker, I learned one important lesson early: how much you earn is only a small component of financial success. Many people focus entirely on income while ignoring investment and associated allocation. But wealth is rarely built only from wages; wealth is built from systems, discipline, and compounding capital which is money with direction. Yes, money is a scalar quantity, but capital is a vector quantity, having both magnitude and direction {revisit your JSS3 Integrated Science notebook}.

Interestingly, financial independence requires moving from a static phase to a dynamic phase, like mechanics in physics. In other words, you must take action. And taking action begins with having a plan. In my first month as a banker, I developed what I called the 45-20-20-15 Strategy, a simple portfolio allocation framework I still explain today in Tekedia Mini-MBA when discussing financial planning and personal economy for young professionals.

The structure was straightforward:

45% – Self and Family: (Car, accommodation, clothing, family, etc.)

20% – Personal Development: (Professional certifications, books, training, conferences, capability dev)

20% – Others: (Flexibility, lifestyle, emergencies, miscellaneous)

15% – Investments: (Dividend-paying stocks, etc)

Running simple projections using assumptions around dividends, compounding, inflation, and currency stability, I estimated that for every five years of disciplined investing, the portfolio could eventually generate the equivalent of about two years of wages without active work. (This did not turn out well as Naira lost value and messed up my model. Had I done this in US, a bestseller would have emerged).

That realization changed my understanding of money forever. Of course, my allocation system has evolved over time because life itself evolves. But one thing has remained constant: there is always a plan, including to compensate for Naira gyration.

Simply, if you do not allocate your resources consciously, circumstances will allocate them for you. But remember: circumstances are poor fund managers. Video here https://t.co/Ma30MVx0tK

[Nasseh Karfe @KarfeJr]

@General_Somto @heisizumichaels Sir, like Eric said, I equally do not have anything against this people but think of it. The persons having that convo. The only language that brought them together is MONEY/affluence or else, check na. Without the money everything will naturally collapse. It's all the know

[Divinely Designed @DivinelyDesined]

Scientists mapped a piece of brain the size of half a grain of rice.

One-millionth the size of the human brain.

It took them a year and over 1.4 million gigabytes to scan it.

They found over 57,000 cells, 150 million synapses, and even some new structures they didn't know existed.

Mapping the entire human brain in this level of detail would require all the data storage generated on Earth in a year + a 140-acre data center.

But the human brain itself can hold up to ~2.5 million gigabytes of information - enough for ~3 million hours of HD video or 342 years of continuous viewing.

It can process roughly 10 quadrillion calculations per second - enough processing power to run over 4,000 high-end gaming PCs all operating at peak ability.

And it only runs on the amount of power needed for a single dim light bulb.

No technology even comes close to doing what the brain can do.

The more we learn about biology, the more complex it becomes.

This is God's Glory on display.

[Nasseh Karfe @KarfeJr]

@n6oflife6 @ARISEtv I asked the question, how do you expel a person in whose name and character a movement was built? I laugh. The movement has never been about a structured organisation but in the person of Peter Obi.
Soon Kwankwaso will be expelled from Kwankwasiya too. 😂

[ProfitableMan @ProfitableMan1]

Most Nigerian investors are putting money into companies they cannot read.

Not because they are not smart. Because nobody taught them how financial statements work.

This thread fixes that. Save it before you invest another kobo.

[Nasseh Karfe @KarfeJr]

@ARISEtv How unreasonable can people be?
Let me get this straight, you oust the man in whose name and character the movement was built? And still maintain the name of the man in your so-called restructuring? Like how na? Next they'll expel Kwankwaso from the Kwankwasiya movement. Like?

[Nasseh Karfe @KarfeJr]

@ajebolawyer @ProfitableMan1 Researching the company helps you make somewhat informed decisions. If you go fail, fail knowing everything checks right. If you will have to hold unto a lossing stock, do so knowing that the maths checks.

[Nasseh Karfe @KarfeJr]

@AtindanaVictor1 Interested ✋

[Nasseh Karfe @KarfeJr]

@TomolaGroup Can I get the community link please. Thank you.

[Nasseh Karfe @KarfeJr]

@obyezeks It is heartbreaking what has happened to us in Jos.

Mummy promise (the woman holding her unalived son) is still alive. Please pray for her. She's still living.

[SLIMNAZI @SlimNazi]

https://t.co/o2Spc93w0k

[investor inspires @AtindanaVictor1]

Three stealth wealth principles

Never tell people your net worth

Spend below your means

Let your money compound not your ego

[Mudi @MudiTheInvestor]

🧵 CSCS DOES MORE THAN STORE YOUR SHARES (Another Critical Function Most Investors Ignore)

Most people think CSCS is just where your shares are kept.

That’s only half the story.

CSCS also performs a much more important role:

👉 It ensures every trade is completed and settled properly

Without this function…

The market would break.

Let me show you how it works 👇

⸻

Let’s use a simple example:

You buy 10,000 units of Zenith Bank @ ₦100

Total = ₦1,000,000

Your broker executes the trade…

And instantly, the shares appear in your app.

Feels done, right?

❌ Not yet.

⸻

What you’re seeing is just:

👉 Trade execution

But the real work?

👉 Happens after.

⸻

This is where CSCS steps in.

Its job is to ensure:

👉 You actually receive the shares
👉 The seller actually gets paid

No assumptions. No shortcuts.

⸻

Here’s what is happening behind the scenes:
1.Your broker confirms the trade
2.CSCS steps in as the central middleman
3.Your ₦1,000,000 is transferred to CSCS
4.CSCS ensures the seller delivers 10,000 units
5.CSCS pays the seller
6.Shares are fully transferred to your account

Only THEN is the transaction complete.

⸻

This entire process is called:

👉 Trade Settlement

⸻

Now here’s what most investors don’t realize:

Even though you see shares instantly…

Settlement takes time.

In Nigeria today:

👉 T+2

Meaning:

Buy on Monday
Fully settled by Wednesday

⸻

But this is evolving…

CSCS is moving toward:

👉 T+1 settlement

Buy today → Settled next day

Faster transactions. Better liquidity.

⸻

Let’s zoom out for a second:

This is how far we’ve come:

• Before 1996 → T+14 (14 days!)
• 1996 → T+7
• 2000 → T+3
• 2024 → T+2
• Now → Heading to T+1

From 2 weeks… to 1 day.

⸻

Now let’s talk about something even more practical:

💰 How sellers actually receive their money

⸻

When opening your brokerage account…

You filled a form called:

👉 Direct Cash Settlement (DCS)

This determines how your money is paid after selling shares.

⸻

If you selected YES to DCS:

👉 CSCS pays your money directly into your bank account
👉 Payment happens on settlement day (T+2 → soon T+1)

⸻

If you selected NO:

👉 Your money goes to your brokerage account

⸻

But here’s where it gets interesting…

Most people still see money instantly after selling.

Why?

⸻

Because your broker is fronting you the money.

⸻

Example:

You sell shares on Monday.

Settlement is Wednesday.

But your broker gives you access to the money immediately.

⸻

That money is:

👉 An advance from your broker

They trust CSCS to complete settlement.

So you can:

• Reinvest instantly
• Keep trading without delay

⸻

This is how the system balances:

👉 CSCS = Trust & settlement
👉 Brokers = Speed & convenience

⸻

Final takeaway:

Every transaction has two stages:
1.Execution (instant — what you see)
2.Settlement (delayed — what CSCS completes)

⸻

You may never notice CSCS working…

But every time you buy or sell:

👉 It ensures shares move
👉 It ensures money moves
👉 It ensures trust in the system

⸻

CSCS is not just a vault.

It is the invisible engine powering every transaction in the Nigerian stock market.

⸻

If this helped you understand how the market really works…

👉 Repost so more investors understand how the stock market works
👉 Share with someone who thinks their broker “holds” their shares

[Outegrand_ @Outegrand2]

Senegal returned to the pitch. The match officials accepted their return and continued the match. Morocco did mot protest their return and continued with the game. The officials as well as Morocco, letting the match proceed, ratified any wrongful conduct perpetrated by Senegal. The played the full 90 minutes plus extra time

[Nasseh Karfe @KarfeJr]

Economic power beats political power anyway, anytime.

[Engr. Dannie Gee @gee_engr]

There's a reason why the US is the most powerful nation on earth.

Even at the global stage, money is one of the most potent tools of influence and dominance.

[Christy( mother of many Generations) @itzchristunique]

A mutual got debited of 395,424 from her GT bank account for no reason.

She mailed them and was told it will take up to 40-90 days for it to be resolved.

No good respond, no transparency and how it was taken out..

Today she went to the bank and the only good thing they could tell her was that there's nothing they can do..

She was told that even if she likes,let her sleep in rhe bank.

They also told her she was the one that used the money.

She didn't initiate the transaction but GT bank claimed she had used her ATM card to make the transaction..

Since you GT bank claimed the ATM card was used, why not should her the evidence?

At least provide evidence indicating it was through the ATM that the money was deducted..

The nonchalant and "you will do nothing" attitude here is top-notch..

If it was a well known person or a rich person, I am very sure they will try to protect their bank and solve the issue at once..

Please let's create awareness for her so she can recover her Money..
Let's make this known to everyone..

If you have experienced this with any bank, please this is your chance to call them out..

This is the best Time to call them out.. don't air this please..

GT bank refund @AdageorgeA her money please!!!

[Nasseh Karfe @KarfeJr]

@gee_engr I'd love to hear more of your thoughts on the subject.

At what point is one preferable over the other because I believe there's a place for both.

[Nasseh Karfe @KarfeJr]

@gee_engr Point.

[Nasseh Karfe @KarfeJr]

@ruffydfire Another big Question is,

Can Tinubu save himself from Wike?

Nothing just happeneds, maybe Wike has a leverage that he is using against Tinubu, you never can tell.

[Nasseh Karfe @KarfeJr]

@OurFavOnlineDoc The man paraded himself as the saviour of Nigeria but what we Nigerians did not critically consider was track record, he has none. No track record of good governance as he portrays himself to be.

Now we see why some of us openly rejected his candidacy.