Xan

What are the odds?

Me.

[Xan @Xan_theFirst]

@Ogbenitom Leaving it o.
Yoruba before Jesus ke?

[Xan @Xan_theFirst]

@MzTaiwoO Err.. please clarify this

[Xan @Xan_theFirst]

@gsbabatunde Please reduce your voice 😭

[Xan @Xan_theFirst]

You guys never account for the Time value of money.

[Slim @onu_slim]

35 million people use PalmPay.

Only 10 million have found the Wealth feature that paid out N4 billion in interest in 2024.

The other 25 million are sending money and buying airtime while their money shrinks.

Let me give you a secret embedded in the app.

The four products inside PalmPay Wealth.

Cashbox which is a Flexible savings, Up to 20% per annum, Withdraw anytime with Zero penalty.

SmartEarn which has Up to 22% per annum, Instant withdrawal, No fees. Highest liquidity and yield combination on any Nigerian savings app right now.

Target Savings which Set your goal, set your schedule, app saves automatically.

Mutual Funds which are SEC-regulated managers invest in treasury bills and government bonds with Daily interest accrual. This is what we are breaking down today.

The mutual fund types.

Money Market Fund with 20% to 22% per annum where you can access your funds in 48 to 72 hours. For money you will not need in 3 to 12 months.

Fixed Income Fund that are Slightly higher yield with Longer lock period for money sitting 12 to 24 months.

Equity Fund which Invests in NGX stocks. Top equity funds returned 41% in H1 2025. For money you will not touch for 3 to 5 years.

How to start.

Open PalmPay. Tap Wealth. Select Mutual Funds. Choose fund type. Fund from wallet. Done. Under five minutes. No paperwork. No minimum balance.

The mathematics.

Beginner. N10,000 monthly at 20% per annum.
Year 1: Invest N120,000. Balance grows to N145,000.
Year 3: Invest N360,000. Balance grows to N530,000.
The fund added N170,000 you never worked for.

Intermediate. N50,000 lump sum plus N20,000 monthly at 22%.
Year 3: Invested N770,000. Balance hits N1,080,000.
The fund generated N310,000 on top. 40% gain on total contributions.

Serious investor. N200,000 monthly at 22% over 5 years.
Contributed N12,000,000. Balance hits N19,200,000.
The fund generated N7.2 million. No business. No second job. Just consistency.

Never put money you need in 30 days into a mutual fund. Match product to timeline always.

Automate your monthly contribution. N10,000 monthly forever beats N100,000 invested once and abandoned.

Never withdraw interest early. Let it compound that is where the real growth lives.

Your bank is paying you 4.2% while inflation runs at 32%.

That account is not saving your money. It is destroying it every month.

PalmPay mutual fund at 22% is not a luxury. It is the minimum standard for any Nigerian serious about surviving this economy.

[Xan @Xan_theFirst]

I don't think I'm "Humaning" correctly 😅

How do you know when you're hungry? What is it supposed to feel like?

[AMARA💕 @simbyii]

Cooking when I am hungry❌

Cooking when I am about to faint✅

[Xan @Xan_theFirst]

Christian.

[Oyíndà @yorubachic]

Yoruba
Nigerian
Agnostic

I am Yoruba first.

[Xan @Xan_theFirst]

@Oreofe_06 @arojinle1 please😂😂😭

[Xan @Xan_theFirst]

The foolishness of the Yoruba race- Division.🤦

[Dimeji @Makavellidon77]

The real Yorubas who are true to their identity and safeguard their identity are the Yoruba Muslim

[Xan @Xan_theFirst]

@pontrol_777 Why then did we lose Kwara to them?

[Xan @Xan_theFirst]

@yabaleftonline Bro in the middle just chilling because he knows just one phone call will get him released 😂

[Xan @Xan_theFirst]

My "Ajo with Receipts" has been on a losing streak since I started😫

[Toby @TomolaGroup]

Nigerians will form a WhatsApp group for the smallest ajo.

Esusu. Adashe. We trust each other with money easily.

But suggest buying shares of a company that is audited, regulated, and listed on the NGX, and suddenly “it’s risky.”

We were always investors. We just kept it informal.

The stock market is ajo with receipts.

[Xan @Xan_theFirst]

A woman and a donkey in the same sentence🤦

It is well Mann

[ADIGOON @Adigoon_]

@Xan_theFirst Did you discuss provisions like these?

[Xan @Xan_theFirst]

@TechnicalBben Image?
Someone's sitting in his office rn and is worried about image?🙃

[Xan @Xan_theFirst]

Hello,
Where do I send my application for the role of a P.R.O at your organization?
This release is proof that the position is currently vacant.

[Nigerian Independent System Operator @OFFICIALNISO_NG]

NISO REITERATES DISASSOCIATION FROM UNAUTHORIZED SOCIAL MEDIA ACCOUNT
"Nigeria National Grid"

#NISO
#NISOOnTheMove

[Xan @Xan_theFirst]

@Pathfinder077 @Idris_Mediatech You sef, go learn the ofo, enter bush begin dey chant am. 😂
You'll be fine at some point

[Xan @Xan_theFirst]

@compoundinnaira Some of us prefer Bentleys so your reasoning is sound

[Xan @Xan_theFirst]

@Pathfinder077 @Idris_Mediatech But the one your ifa priest did in Oyo, asking whatever spirit it was to bring back the kids didn't work. Is it selective?

I'm Yoruba by the way

[Xan @Xan_theFirst]

@Idris_Mediatech @Pathfinder077 He wouldn't respond to this one😂

[Xan @Xan_theFirst]

@Kewe_001 @PenTitan Guyyyyy😂😂

[Xan @Xan_theFirst]

@PenTitan Which movie be that?😂