These universities in Spain 🇪🇸 are affordable and don’t need IELTS
- university of Salamanca
- university of Valencia
- Pompeu Fabra University
- university of Grenada
Proof of funds is €7000
Spain 🇪🇸 also has a job seekers visa which means you can move without a job offer
Go and apply!
You apply online from Nigeria.
If you're shortlisted, WHO conducts interviews (usually online).
If you're selected for an on-site internship, WHO will send you an offer.
https://t.co/XtnqMYGTWX
These universities in Spain 🇪🇸 are affordable and don’t need IELTS
- university of Salamanca
- university of Valencia
- Pompeu Fabra University
- university of Grenada
Proof of funds is €7000
Spain 🇪🇸 also has a job seekers visa which means you can move without a job offer
Ph.D is FREE in Hungary,
Ph.D is FREE in Saudi Arabia,
Ph.D is FREE in Finland,
Ph.D is FREE in Denmark,
You'll get paid to do Ph.D in Holland,
You'll get paid to do Ph.D in Austria,
You'll get paid to do Ph.D in Italy,
Ph.D is cheap in Israel,
Ph.D is cheap in New Zealand,
Ph.D is cheap in France,
Ph.D is cheap in Norway.
Do you know these are the pharmaceutical companies listed on the NGX floor? 💊📊
Here’s the full list with prices and market caps:
Mecure Industries Plc—₦94.9 | ₦379.6B
Fidson Healthcare Plc — ₦136.5 | ₦327.6B
May & Baker Nigeria Plc — ₦46.7 | ₦80.6B
Neimeth International Pharmaceuticals Plc — ₦10.35 | ₦44.2B
Small list. Big money movement.
25 Nigerian Companies Have Crossed ₦1 Trillion Market Value on the NGX 🇳🇬
Here are the companies currently in the ₦ 1 trillion market capitalization club:
Dangote Cement Plc—₦19.9 Trillion
Bua Foods Plc—₦17.4 Trillion
MTN Nigeria Communications Plc—₦17.2 Trillion
Bua Cement Plc—₦14.2 Trillion
Airtel Africa Plc—₦13.7 Trillion
Aradel Holdings Plc—₦7.7 Trillion
Seplat Energy Plc—₦6.9 Trillion
Lafarge Africa Plc—₦5.5 Trillion
Zenith Bank Plc—₦5.4 Trillion
Guaranty Trust Holding Company Plc—₦5.1 Trillion
First Holdco Plc—₦3 Trillion
Geregu Power Plc—₦2.8 Trillion
Stanbic IBTC Holdings Plc—₦2.8 Trillion
Presco Plc—₦2.7 Trillion
Nigerian Breweries Plc—₦2.6 Trillion
Nestle Nigeria Plc—₦2.5 Trillion
Transcorp Hotels Plc—₦2.3 Trillion
International Breweries Plc—₦2.1 Trillion
United Bank For Africa Plc—₦2 Trillion
Transcorp Power Plc—₦1.8 Trillion
Ecobank Transnational Incorporated—₦1.8 Trillion
Okomu Oil Palm Plc—₦1.7 Trillion
Fidelity Bank Plc—₦1.4 Trillion
Wema Bank Plc—₦1.4 Trillion
Access Holdings Plc—₦1.3 Trillion
This shows where most investor attention and capital are flowing in the Nigerian stock market.
Banking, telecoms, cement, energy, and consumer goods remain the dominant sectors driving the NGX.
If you’re learning how the Nigerian stock market works, this ₦1 trillion club is one of the best places to start.
For a deeper understanding of Nigerian stocks and investing, read my book, “The Naija Investor.”
If I had ₦1 million to invest on the NGX today, here’s how I’d split it:
→ ₦250,000: GTCO (dividend monster)
→ ₦200,000: BUA Foods (growth + moat)
→ ₦200,000: MTN Nigeria (recovery play)
→ ₦150,000: Dangote Cement (the king)
→ ₦100,000: Zenith Bank (income)
→ ₦100,000: Aradel Holdings (oil exposure)
5-year hold. Reinvest dividends. Ignore noise.
This is not advice. DYOR.
₦800,000 NGX PORTFOLIO (2026).
If you had ₦800K and you still left it in savings account, you are quietly choosing inflation.
Here’s a dividend + growth NGX allocation I’d consider:
₦200K : Dangote Cement
Infrastructure king. Slow, boring… until you zoom out 5 years.
₦180K : Seplat Energy
One of the few NGX stocks that actually rewards shareholders with real cashflow.
₦120K : MTN Nigeria
You don’t avoid MTN… you just decide how much you want of Nigeria’s data economy.
₦100K : Presco
Palm oil + global demand. Quiet compounder.
₦90K : GTCO
Banking + digital expansion + consistent dividends.
₦70K : Zenith Bank
Old money stock. Predictable dividend behavior.
₦40K : Aradel Holdings
High volatility. High belief. Not for emotional investors.
TOTAL: ₦800,000
Most people don’t lose money in stocks because they picked wrong assets. They lose because they enter for quick profit into a game that rewards patience.
Dividend stocks don’t look exciting until they start paying you while others are still waiting for the right entry.
Not financial advice. Just a conversation starter.
Would you rather chase hype or build cashflow slowly in silence and how would you arrange these portfolio?
GOOD STOCKS FROM EACH SECTOR FOR A DIVERSIFIED PORTFOLIO
Written by - @Mahmoudsardauna
1. Telecoms
- MTN, Airtel.
2. Oil & Gas (Energy)
- Seplat, Aradel, Oando Plc.
3. Banking
- JAIZBANK
4. Agriculture
- Okomu Oil, Presco.
5. Consumer Goods
- Unilever, Nestlé, BUA Foods
6. Industrials
- Dangote & Bua Cements, Lafarge.
7. Pharmaceutical
- Fidson, May & Baker, Neimeth.
A diversified portfolio is a portfolio that contain stocks across sectors and industries...
This is not a Financial Advice.
Some people collect heartbreak every month.
Investors?
We collect dividends 😭
March — SEPLAT, TRANSPOWER
April — UCAP, LAFARGE, NGX
May — BUACEMENT, NAHCO
June — DANGCEMENT
July — Airtel, Sterling
August — UNILEVER
September — CUTIX, BUA Foods
October — Zenith
November — ARADEL, PRESCO, OKOMU, MTNN
Nigeria is hard…
but imagine getting paid dividends while arguing about fuel prices.
A majority of men today, use Viagra to increase their sex drive, but it is temporary, and it has side effects.
Here are 9 natural Viagra alternative you can use
(No pills needed) ......
1. Ginger
Jaiz Bank. Taj Bank. Alternative Bank. Lotus Bank. Sterling & Stanbic IBTC (Non-Interest window).
These are Islamic banks operating in Nigeria RIGHT NOW.
They offer:
✅ Current accounts (no interest)
✅ Halal financing for business
✅ Investment products
Do you have HALAL options or not?
GTCO
FIRSTHOLDCO
ZENITHBANK
These are the only three banking sector shares I have been holding since 2006 and I have my strong conviction about them right from the beginning.