This is why I went with ARM's Aggressive Growth Fund for the riskier slice of my portfolio same logic, growth over dividends. Keeps the Money Market Fund as the steady side.
True survival mode and building wealth aren't even the same conversation. Most people I see investing small amounts monthly aren't doing it from a place of greed they're doing it because waiting for the right time never comes.
This is the real return on investment people don't talk about. I'm nowhere near that level yet, but it's the long term goal not just growing money, but being able to do this for someone."
This is why I started building a financial track record early, even with small amounts in mutual funds. It's not about the certificate, it's about being able to show consistency on paper
This is the mindset shift that actually matters money as a tool, not a scoreboard. It's why I stopped comparing my small monthly investments to other people's and just stayed consistent with mine.
Salary vs dividend is the realest way to put it. I'm not at the dividend collecting stage yet, but it's literally why I started putting money into funds instead of just spending all of it trying to own something, not just earn."
This is exactly how I started ₦10k into ARM Invest's Money Market Fund first, just to get comfortable with the app before touching anything riskier. The hardest part really is just clicking 'invest' the first time.
This is the part people skip it's not about how much you start with, it's whether you keep showing up monthly. I've kept mine on autopilot through ARM Invest so I'm not tempted to skip a month.
Funny enough that ₦10k a month is exactly what most people spend on stuff that disappears in a week. Mine's been going into ARM Invest's Money Market Fund boring but it adds up
Makes sense given how much retail money is flowing into things like T-bills and money market funds right now even small investors like me adding to that 'portfolio investment' number every month.