Raph

An Economist /financial market enthusiast /financial literacy/SMEs.

[Raph @Mr_Raphael01]

Which of these options would you want your money to be?

[Toby @TomolaGroup]

Your money right now is either:

1. Growing (invested in assets that beat inflation)

2. Stagnant (sitting in an account earning nothing meaningful)

3. Shrinking (losing purchasing power to 15% inflation)

4. Disappearing (being spent on things you won’t remember next month)

There is no fifth option. Pick which one yours is doing. Then decide if that’s acceptable.

[Slim @onu_slim]

A man spent 6 years in university studying Economics.

He cannot calculate his own tax returns.

His younger brother dropped out at SS2 to learn electrical installation.

He just finished wiring a N450 million hotel in Abuja cash.

We built a system designed to produce certificate holders, not solution providers. And we refuse to admit it is failing.

Think about what the Nigerian education conveyor belt actually produces.

3 years in secondary school learning about photosynthesis you will never use.

JAMB at 18, because your worth as a human being must be validated by a multiple choice test.

4 to 6 years in a university where ASUU strikes steal entire academic sessions.

Then 1 year of NYSC where you wear khaki and pretend the country has a future for you.

Then you enter the job market with a second class upper and discover that 500 other people applied for the same entry-level position that pays N80,000 a month.

That is not education. That is a processing system for producing docile, desperate labour.

Meanwhile the man who fixes your generator earns more than your bank job.

The woman who does your lashes earns more than your HND.

The plumber you waited 3 days to find charged you N35,000 for 2 hours of work.

The welder fabricating export-grade steel in Nnewi never sat for JAMB.

Nigeria has a youth unemployment rate above 40%.

Almost every unemployed young person in that statistic has a certificate.

Almost none of them have a trade.

We did not educate them. We certificated them. And there is a devastating difference between the two.

The world already moved.

Germany rebuilt its post-war economy on vocational training, not university enrollment rates.

South Korea’s technical colleges feed directly into its manufacturing export machine.

Dubai does not ask where you went to school. It asks what you can build.

Nigeria is still arguing about cut-off marks.

I am not saying university is useless.

I am saying a system that treats a plumber as inferior to a graduate accountant, while the plumber earns three times more and employs two apprentices, is a system lying to its own children.

Your child does not need a degree.

Your child needs a skill the market will pay for, the confidence to charge what they are worth, and a government that builds infrastructure around productive people instead of paper qualifications.

The classroom has a role but it is not the only room where a life gets built.

[Raph @Mr_Raphael01]

Our educational system needs to be changed, because it is designed to enslave us and nothing more.

[Slim @onu_slim]

A man spent 6 years in university studying Economics.

He cannot calculate his own tax returns.

His younger brother dropped out at SS2 to learn electrical installation.

He just finished wiring a N450 million hotel in Abuja cash.

We built a system designed to produce certificate holders, not solution providers. And we refuse to admit it is failing.

Think about what the Nigerian education conveyor belt actually produces.

3 years in secondary school learning about photosynthesis you will never use.

JAMB at 18, because your worth as a human being must be validated by a multiple choice test.

4 to 6 years in a university where ASUU strikes steal entire academic sessions.

Then 1 year of NYSC where you wear khaki and pretend the country has a future for you.

Then you enter the job market with a second class upper and discover that 500 other people applied for the same entry-level position that pays N80,000 a month.

That is not education. That is a processing system for producing docile, desperate labour.

Meanwhile the man who fixes your generator earns more than your bank job.

The woman who does your lashes earns more than your HND.

The plumber you waited 3 days to find charged you N35,000 for 2 hours of work.

The welder fabricating export-grade steel in Nnewi never sat for JAMB.

Nigeria has a youth unemployment rate above 40%.

Almost every unemployed young person in that statistic has a certificate.

Almost none of them have a trade.

We did not educate them. We certificated them. And there is a devastating difference between the two.

The world already moved.

Germany rebuilt its post-war economy on vocational training, not university enrollment rates.

South Korea’s technical colleges feed directly into its manufacturing export machine.

Dubai does not ask where you went to school. It asks what you can build.

Nigeria is still arguing about cut-off marks.

I am not saying university is useless.

I am saying a system that treats a plumber as inferior to a graduate accountant, while the plumber earns three times more and employs two apprentices, is a system lying to its own children.

Your child does not need a degree.

Your child needs a skill the market will pay for, the confidence to charge what they are worth, and a government that builds infrastructure around productive people instead of paper qualifications.

The classroom has a role but it is not the only room where a life gets built.

[Toby @TomolaGroup]

Think of the NGX sectors like a football team.

Banks are the midfield engine. They move the money around and keep everything running.

Industrial goods (cement) are the defenders. Solid, unglamorous, they hold the structure.

Consumer goods are the strikers. They depend on form. When the economy feeds them, they score. When it starves them, they go quiet.

A good portfolio, like a good team, needs all the positions. Not eleven strikers.

[Raph @Mr_Raphael01]

@TomolaGroup I will sell my BUA cement for this because I don't have any other sources and I can't afford missing this golden opportunity

[Toby @TomolaGroup]

Aliko Dangote just confirmed it himself.

The Dangote Refinery IPO is coming to the market by September 2026.

Demand is already in billions of dollars. The private placement alone has requests of nearly $2 billion before the public offer even opens.

The refinery will produce 10% of America’s entire refining capacity. The largest refinery ever built on earth. The highest turnover of any business in Africa.

In his exact words: “We want it to be like Amazon or Apple. The people who bought early became millionaires. That’s what we want to bring to Africa.”

Position before September, or watch from the sidelines.

[Raph @Mr_Raphael01]

@Lifestyles_ng What's the name of the condom that gives the skin to skin feeling?

[Raph @Mr_Raphael01]

@ProfitableMan1 This is a very good clarification ☺️
Thank you so much

[ProfitableMan @ProfitableMan1]

The language of investing is not designed to confuse you.

But it will confuse you until you take the time to learn it. Every word in this thread is one you will encounter before your first year of investing is over.

Now you know what they mean before they matter.

If you want everything a Nigerian beginner investor needs in one place, written in the same plain language as this thread, The Naija Investor book was written exactly for you. Link in bio.

Repost this so the beginners in your circle start with the right foundation.

[ProfitableMan @ProfitableMan1]

Every Nigerian Beginner Investor Gets Confused by the Same Words.

Here Is a Plain English Glossary That Actually Makes Sense.

No unnecessary complexity. Just the words you will hear, what they actually mean, and how they affect your money.

Save this thread before you spend a single kobo.

[Raph @Mr_Raphael01]

@StockmanNigeria What a great analysis

[Stockman @StockmanNigeria]

OPay vs Dangote Refinery Listing:
=========
Why Nigeria Must Not Keep Exporting Its Wealth.

Two major stories are shaping Nigeria’s capital market conversation.

OPay is preparing for a possible U.S. IPO at a valuation of about $4 billion, working with Citigroup, Deutsche Bank, and JPMorgan.

Its strongest market is Nigeria, where millions of users drive most of its transaction volume, yet the wealth creation from listing may happen in America.

At the same time, Dangote Refinery is preparing to list about 10–15% of its refinery business on the Nigerian Exchange (NGX), with Aliko Dangote making it clear that Africans, and especially Nigerians, should participate.

He even stated that dividends could be paid in dollars.

That is the real contrast.

OPay was built largely on Nigerian customers, Nigerian transaction volume, and Nigerian regulation—but may list abroad.

Dangote Refinery was built in Nigeria, serves Nigeria’s energy security, and is choosing to let Nigerians own part of it through local listing.

This is bigger than both companies.

It is about economic ownership.

If our biggest companies grow here but list elsewhere, Nigerians become only customers—not shareholders.

We use the product, create the revenue, but foreign markets harvest the wealth.

That weakens local capital markets.

Dangote’s refinery listing offers the opposite model: national participation in national value creation.

That is the case Nigeria must push:

Build here. List here. Let Nigerians own the upside.

Global capital is important, yes. But local ownership is nation-building.

A country cannot become wealthy if its biggest success stories are always monetized somewhere else.

[Wealth Coach Omiete @wealthcoachomi]

TIP is tipping away and making many of my followers rich.
Some got in at N2, N4, N7, N13, N15, N19…all within the last one year and few months. The bus is now at kilometer N38.50.
When we find gold, we know how to hold.😇

[Toby @TomolaGroup]

Most Nigerians buy products from these companies every day but have no idea they can own a piece of them on the stock market.

1. Cement — Dangote Cement, BUA Cement, Lafarge Africa (WAPCO).

2. Telecoms — MTN Nigeria, Airtel Africa.

3. Banking — GTCO, Zenith Bank, Access Holdings, UBA, Stanbic IBTC, FCMB, Wema Bank, Fidelity Bank.

4. Food & Beverages — Nestlé (Maggi, Milo, Golden Morn), BUA Foods (sugar, flour, pasta, rice), Cadbury (Bournvita, TomTom), NASCON (Dangote Salt, seasoning), Dangote Sugar, Flour Mills (Golden Penny), PZ Cussons (Morning Fresh, Imperial Leather), Unilever (Close Up, Knorr, Sunlight)

5. Breweries — Nigerian Breweries (Star, Heineken, Maltina), Guinness Nigeria (Guinness, Malta Guinness).

6. Oil & Gas — Seplat Energy, Aradel Holdings, Oando, TotalEnergies, Conoil, MRS Oil, Eterna.

7. Agriculture — Okomu Oil Palm, Presco.

8. Insurance — AIICO, NEM Insurance, Sovereign Trust.

9. Healthcare — Fidson Healthcare, May & Baker, GlaxoSmithKline.

10. Construction — Julius Berger.

11. Hospitality — Transcorp Hotels (Transcorp Hilton).

12. Aviation Services — NAHCO.

13. Waste Management — TIP (The Initiates).

You use their products. You pay for their services. You fund their revenue every single day. But do you own their shares? That is the difference between being a customer and being an owner.

[Raph @Mr_Raphael01]

@Lab_for_Men Should one take each of these combos separately or we should combine them?

[Raph @Mr_Raphael01]

@TomolaGroup This is a very Smart investment strategy

[Toby @TomolaGroup]

HOW I WOULD INVEST ₦650K ON THE NGX TODAY

1. GTCO — 1,006 shares at ₦144 = ₦144,864

2. WAPCO (Lafarge Africa) — 354 shares at ₦324 = ₦114,696

3. MTN Nigeria — 178 shares at ₦801.10 = ₦142,595.8

4. TIP (The Initiates) — 3,500 shares at ₦35.90 = ₦125,650

5. Aradel Holdings — 65 shares at ₦1,880 = ₦122,200

₦650K is not the end goal. It is the starting point. The real game is adding to these positions every single month. ₦20K here, ₦30K there. Consistency over time is what turns a small portfolio into a serious one.

This is strictly for educational purposes only. Not financial advice. Always do your own research before putting money anywhere.

If you had ₦650K right now how would you allocate it? What stocks would make your list? Drop it below.

[Raph @Mr_Raphael01]

Do not put all your eggs in one basket

[Toby @TomolaGroup]

If you are building a stock portfolio on the NGX do not put all your money in one sector. Spread it.

1. Telecoms — MTN Nigeria, Airtel Africa. Data consumption keeps growing every year. These are cash machines.

2. Banking — GTCO, Zenith Bank, Access Holdings, UBA. The backbone of the exchange. Strong dividends. Benefit from high interest rates.

3. Oil & Gas — Seplat, Aradel Holdings, Oando. Move with global crude prices. This sector is up over 120% this year alone.

4. Consumer Goods — Nestlé, BUA Foods, Nigerian Breweries, Cadbury. Products people buy regardless of what the economy is doing.

5. Industrial Goods — Dangote Cement, BUA Cement, Lafarge Africa. Construction and infrastructure drive these.

6. Agriculture — Okomu Oil Palm, Presco. Tied to commodity prices especially palm oil. Quietly consistent.

7. Insurance — AIICO, NEM Insurance. Lower entry prices but more volatile. Know your risk.

8. Healthcare — Fidson Healthcare, May & Baker, Neimeth. Small sector but growing as healthcare spending increases.

One bad quarter in one sector should never wipe out your whole portfolio. That is why diversification matters.

[Toby @TomolaGroup]

If you are building a stock portfolio on the NGX do not put all your money in one sector. Spread it.

1. Telecoms — MTN Nigeria, Airtel Africa. Data consumption keeps growing every year. These are cash machines.

2. Banking — GTCO, Zenith Bank, Access Holdings, UBA. The backbone of the exchange. Strong dividends. Benefit from high interest rates.

3. Oil & Gas — Seplat, Aradel Holdings, Oando. Move with global crude prices. This sector is up over 120% this year alone.

4. Consumer Goods — Nestlé, BUA Foods, Nigerian Breweries, Cadbury. Products people buy regardless of what the economy is doing.

5. Industrial Goods — Dangote Cement, BUA Cement, Lafarge Africa. Construction and infrastructure drive these.

6. Agriculture — Okomu Oil Palm, Presco. Tied to commodity prices especially palm oil. Quietly consistent.

7. Insurance — AIICO, NEM Insurance. Lower entry prices but more volatile. Know your risk.

8. Healthcare — Fidson Healthcare, May & Baker, Neimeth. Small sector but growing as healthcare spending increases.

One bad quarter in one sector should never wipe out your whole portfolio. That is why diversification matters.

[Raph @Mr_Raphael01]

Money doesn't change a man , it reveals a man.

[Raph @Mr_Raphael01]

@Officially_Kriz Who's he please