Wealth With Prosperity

Not financial advice. I share my personal investing journey | NGX investor | New YouTube videos every Monday | Get my ebook 👇

[Wealth With Prosperity @WealthWithPro]

I'm putting ₦165,000 into NGX today.

GTCO. Zenith Bank. Stanbic IBTC. Dangote war chest.

But before I deployed, I had to understand one thing about being a complete beginner.

New video out now.

[Wealth With Prosperity @WealthWithPro]

This is why I hold the banks rather than just critique them.

If they're going to prioritise government paper, I want to be a shareholder collecting the spread.

GTCO, ACCESSCORP, Zenith, UBA they profit from this dynamic.

Might as well own a piece of it.

Personal conviction, not financial advice.

[Wealth With Prosperity @WealthWithPro]

That's a legitimate debate, official CPI vs. felt inflation is real.

But even if true inflation is higher, the logic of the thread still holds:

locking money at a fixed rate while inflation (official or real) erodes purchasing power is still a losing strategy compared to assets that compound.

Gold, equities, real estate, something has to outpace the naira's decline. That's the point.

[Wealth With Prosperity @WealthWithPro]

Nigerians are debating whether to lock ₦1M at 20% interest amid 15.69% inflation.

Let me break down what actually makes sense.👇

[Wealth With Prosperity @WealthWithPro]

Fair pushback on both counts.

On MMF: the rates I cited reflected some funds earlier in the year when MPR was higher.

Current Cowrywise Money Market is closer to 16-17% p.a. I should have been more precise.

On T-Bills: you're right, WHT now applies. I already corrected that in an earlier reply tonight.

I appreciate the scrutiny, this is how the community stays sharp.

[Wealth With Prosperity @WealthWithPro]

@ThatJuDaH This is exactly why I keep a separate war chest in Cowrywise Money Market, daily liquidity, ~26% p.a.

My NGX positions can bleed short term.

I don't need to touch them because my emergency buffer is already parked separately.

Structure protects you when the market doesn't.

[Wealth With Prosperity @WealthWithPro]

@iyekefejiymg Already a JBERGER shareholder, that ₦4.25 landing this June is going straight back into the war chest.

Dividend investing isn't exciting.

It's just effective. Every naira is a brick.

[Wealth With Prosperity @WealthWithPro]

@Crypto_Diet GTCO and Zenith are already in my portfolio, holding both for dividends and the September index flows.

Also watching ACCESSCORP and UBA closely. Banking sector is my core conviction right now.

Personal journey. Not financial advice.

[Wealth With Prosperity @WealthWithPro]

This is bigger than people realise.
Solar investors can now monetise surplus generation.

That changes the ROI calculation on rooftop solar entirely, it's no longer just cost-saving, it's income-generating.

Watch the DisCos that adapt fastest. This is infrastructure reform playing out in real time.

[Wealth With Prosperity @WealthWithPro]

The ₦1.29 trillion sitting in T-Bills and bonds this week tells you something there's serious capital on the sidelines waiting for the right moment.

The market dips but the money doesn't leave Nigeria.

It just parks temporarily.

When sentiment shifts, that liquidity moves fast.

[Wealth With Prosperity @WealthWithPro]

No bank visit needed! It's 100% online now.

Meritrade at https://t.co/j3dqcTyJSy sign up, upload your ID, and you're investing in days.

Cowrywise is even simpler if you want to start smaller.

Watch the video and if you want the full step-by-step, my ebook breaks it all down 👇

https://t.co/zvGZITVXO6

[Wealth With Prosperity @WealthWithPro]

June 1. Capital deployment day.

₦165,000 going into the market this morning.
GTCO. Zenith Bank. Stanbic IBTC. Dangote war chest.

Every naira is a brick. Building quietly while the clock ticks toward September 21.

Not financial advice. I share my personal investing journey.

[Wealth With Prosperity @WealthWithPro]

@CelestineOpara1 @olumidecapital Great question. I hold ACCESSCORP, GTCO, UBA, Zenith, all banking sector. That's concentration risk.

So I balance with a war chest in Money Market Funds, daily liquidity, earning ~26% p.a. That's my downside strategy.

Picking winners AND protecting capital. Both matter.

[Wealth With Prosperity @WealthWithPro]

@Humbleloaded You're right to flag that, I appreciate the correction.

The T-Bill tax exemption lapsed in 2022 and the 2026 reforms haven't reinstated it for retail investors.

That line was an error on my part. Only FGN Bonds retain the exemption.

[Wealth With Prosperity @WealthWithPro]

@Nairametrics 2026 has a variable the other years didn't, FTSE Russell reinstatement effective September 21.

Passive fund inflows don't follow historical patterns.

This June dip might look very different in hindsight.

[Wealth With Prosperity @WealthWithPro]

@MudiTheInvestor And that's exactly when the regret hits hardest...Lol

The dip that felt scary becomes the entry everyone wishes they took.

Already positioned.

[Wealth With Prosperity @WealthWithPro]

@Ikemven 16.5% is annual, not monthly. That's about ₦13,800 monthly on ₦1M, working daily, fully liquid.

Not nonsense, just math.

[Wealth With Prosperity @WealthWithPro]

@stockyvest Conviction tested in the dip, rewarded in the recovery.

[Wealth With Prosperity @WealthWithPro]

@AguigboDeluxe You're right, my error. T-Bill returns are subject to 10% withholding tax.

I should have said returns are competitive, not tax-free. Thanks for the catch, accuracy matters.

[Wealth With Prosperity @WealthWithPro]

ACCESSCORP and UBA round out my portfolio. All four are in the path of the same money. September doesn't pick favourites, it picks liquidity.
Not financial advice. Personal journey.
#NGX #FTSERussel

[Wealth With Prosperity @WealthWithPro]

I ask which FSTE Russell reinstatement beneficiary
you're most bullish on for September 21.

The results are in. Here is my take👇

[Wealth With Prosperity @WealthWithPro]

I hold all four. No favourites, just positions sized by conviction.

September reward the patient, not the picky.