Anointed

God is everything

[Cowrywise @cowrywise]

How to build a ₦100M investment portfolio on a ₦500k salary.

A thread for the Wealthy Generation

[Ekenedilichukwu Charles Emmanuel @Saintcharles_e]

@BilkeesMoh The porch light of the Gospel of Christ is still on for everyone to come back home. That's how God keep waiting for everyone to return.

God's never given up on you. Heaven will rejoice today if you'll say yes and come back to God.
He keeps believing that you'll return to Him.

[Mr. TeeProf @MTeeprof]

It can only be God ❤️

[Mr. TeeProf @MTeeprof]

God's gift is indeed the best 🙏 🙏 🙏

Good Morning great minds 🥰🥰🥰

[Mr. TeeProf @MTeeprof]

134/365... Thank you Jesus 🙏

[Mr. TeeProf @MTeeprof]

132/365... Thank you Jesus 🙏

[Mr. TeeProf @MTeeprof]

The Miracle of sleeping and waking is so underrated...
Thank you Jesus 🙏

[Mr. TeeProf @MTeeprof]

Good morning great minds 🥰🥰🥰
Joy is coming 🤗🤗🤗

[Tope Adu, PMP @ADUOLUWATOPE]

@NaijaFlyingDr If you are still in the university and from an average home, pls read this!

[Tope Adu, PMP @ADUOLUWATOPE]

My Zenith dividend finally landed. I don’t know why Veritas decided to split it.

My investment in Zenith Bank over the years with top-ups in value-buy zones at different intervals is a classic example of “income-driven value investing with a quality bias.”

I have collected over ₦30 per share in dividends from this company over the years. This means I now effectively have ZERO EQUITY CAPITAL at risk, given my average entry price of ₦30.19. Yet, the company remains indebted to me for as long as I hold my position.

This is what you get when you invest in quality companies over time.

[UNCLE @MrOlibaba]

Then at UBA a colleague in sales got married to a lady in operations.

No drama from HR. Nobody was asked to resign. Nobody lost their job.

The only decision management made was simple. The husband was transferred to another branch within the same city.

I respected that.

If you understand how banking works, especially in operations, people spend almost their entire day at work. It is the same faces, the same pressure, the same environment, every single day.

It is only natural that people will form real connections in that space.

So when marriage happens banks should not force one person to resign.

I have seen many women bankers in their early to mid-thirties who are not married. Not because they do not want to be, but because work takes most of their time and energy. There is little room to meet people outside that environment.

In many cases, they end up marrying customers or people they meet through work.

It is not easy to find love outside work.

[Mr. TeeProf @MTeeprof]

Happy workers day and Happy new month all 🥰 #WorldBTOday

[Wolf of NGX @ngx_wolf]

I'll gladly do so.

I started this investing journey in
May 2024 with only 40k. I added about about 40-50k more, ending 2024 with 115k thanks to decent returns.

In 2025 I added only 20k from January to May (wasn't earning at the time) but the portfolio grew to ~190k by June. Then I woke up to the promise and started pushing more money into the portfolio.

My birthday in July gave me quite the windfall 70% of which entered my portfolio to buy some the winners I now hold.

After this, I had some big expenses to cover so I went back to 10k per month, then 15k, then 30k. By December, I did "13th month investing" and added a bonus (75k). In the same month, I re-entered Zenith (up 100% since then). Ended 2025 with 600k.

By this point, I'd seriously improved my earning capacity, as while expenses remained (as a young person starting out life), I made it a habit to add to my portfolio.

In January 209k invested, 100k in February, 100k in March. It's been consistent, and the portfolio has been growing, and more importantly, I've been learning so much about the market.

Now I'm up about 70-80% in my portfolio, meaning that I've gotten over 800k for the 1m+ invested. It's better than nothing, and I now have the habit, so the investment will grow with the income.

The annoying thing is that people give up as though you can't do both. I'm currently working 3 jobs, growing my income as I build investments habits and skill.

All of my monthly portfolio updates are available on this page dating back to September when I started this account.

I really hope people abandon this narrative. As I said earlier, we have a lot of work to do.

Now I have to rush to court, I have two matters this morning.

[Anish Moonka @anishmoonka]

Warren Buffett spent thirty years calling airline stocks “a death trap for investors.” Then he bought every major US airline. Then he sold them all at the bottom of the COVID crash for billions in losses.

In a 1990 letter to investors in his company Berkshire Hathaway, Buffett wrote that humanity would have been better off if “a farsighted capitalist” had been present at Kitty Hawk in 1903 and shot Orville Wright down before he could fly the first plane. He’d already been burned once. In 1989 he put $358 million into US Airways. Five years later his stake was worth a quarter of what he paid for it. He called the whole thing a case of “sloppy analysis or hubris.”

In 2016 he forgot all of it. Berkshire poured $7 to $8 billion into Delta, American, Southwest, and United. By late 2019 he was Delta’s single largest shareholder.

When COVID hit he panicked. American Airlines stock had already crashed 63%. Delta was down 59%. He sold everything at the bottom in April 2020. Within weeks the airlines started recovering. A year later American and Southwest were up 80% from those lows. United and Delta were up 70%. If he had simply held on, his position would have been worth around $5 billion more.

At the 2020 shareholder meeting he said it plainly. “Our airline position was a mistake. Berkshire is worth less today because I took that position than if I hadn’t.”

Buffett’s other most repeated line is “be greedy when others are fearful.” He sold at the bottom of a crash while everyone else was selling too. He broke his airline rule and his rule against panic-selling in the same decision. Two of the most quoted principles in modern investing, both written by him, both ignored by him when it mattered most.

The most cited investor alive could see the trap clearly enough to warn the world about it for three decades. He still walked into it twice.

[Toby @TomolaGroup]

GTCO paid me dividend yesterday, so let me use this opportunity to teach you something.

A lot of you want to enter the stock market, but you don't know how to look at a company and decide if it's worth your money. Let me show you using GTCO's Q1 2026 results.

The first thing I look at is profit. Did the company make money? GTCO made N302.9 billion profit before tax in just January to March 2026. Three months. And that's even higher than the N300.3 billion they made in the same period last year. So the company is not slowing down; it's growing.

Next thing. Where is the money coming from? GTCO earned N467 billion from interest income alone this quarter. That means the bank is collecting money from you as deposits, lending it out to businesses and individuals, investing in government securities, and earning interest on all of it. That N467 billion is up from N397 billion same time last year. The engine is getting stronger.

Then I check deposits. Are more people trusting this bank with their money? Customer deposits moved from N12.55 trillion in December to N13.21 trillion by March. In 3 months, over N660 billion in new deposits came in. People are bringing more money to GTCO. That's fuel for the business.

Now here's one a lot of beginners miss. E-business income. This is the money GTCO makes every time you do a transfer, pay a bill online, buy something with your card, use the GTWorld app. That number went from N13 billion to N21.9 billion. 69% growth in one year. This is the future of banking and GTCO is eating well from it.

I also check how safe the bank is. The Capital Adequacy Ratio tells you how much capital the bank has to absorb losses. CBN says banks need at least 15%. GTCO is sitting at 43.8%. Almost 3 times the minimum. This bank is not going anywhere.

Total assets are now N18.75 trillion. This is a company that operates in Nigeria, Ghana, Kenya, UK, Cote d'Ivoire, Sierra Leone, Liberia, Gambia, and Tanzania. When you buy GTCO shares, you own a piece of all of that.

And the dividend? They paid N12.76 per share for 2025. That's the money that landed in my account yesterday without me doing anything. I held the shares, the company made profit, they shared part of it with me.

This is what I want you to understand. You don't need to be a genius to invest. You just need to learn how to ask 4 simple questions about any company.

Is it making profit? Yes.
Is the profit growing? Yes.
Are more people using it? Yes.
Is it financially safe? Yes.

When all four answers are yes, you're looking at a solid company.

Now go open a brokerage account and start learning. The stock market is not as scary as you think. You've just been looking at it from the outside.

[ProfitableMan @ProfitableMan1]

Most Nigerians buy stocks based on tips, rumors or because the price looks cheap.

That is not investing. That is gambling.

Before you put a single naira into any Nigerian company, here is how to read their financial statement like an investor.

I will use Zenith Bank's 2025 report as a live example 👇

[Bremen @Rxbremen]

“If everyone is talking about stocks then you are already late” — Lie 1

“The noise is too much, and the hype is high, it would crash and you would lose your money” — Lie 2.

“I pity you, this NGX is a bubble” — Lie 3.

Lie 1: People have being talking about stocks since 2023, it’s just the group of people you chose to follow that didn’t make you see it. It’s being green for a 3 years now.

Lie 2: There is difference between, a dip, and a crash. Profit taking is never the same as a crash, Infact markets don’t just crash out of the blue, and a dip in the market, when it doesn’t correlate or translate with what is happening in real life is typical discount sale.

Lie 3: What is a bubble exactly? A bubble is when share prices keep soaring high, pushed by increase demand from buyers, but the prices do not correspond with the financial report of these companies. Have you seen Q1 Results ? This particular market is just starting.

What should you do ?

Seek knowledge, always ask why ? Know why things are happening, and as much as possible try to make decisions from an informed perspective.

Numbers don’t lie, Data and statistics are stubborn, what you feel is not necessarily what is correct.

[Tope Adu, PMP @ADUOLUWATOPE]

UCAP just released its Q1 2026 results. Topline up, bottom line up!

This company deserves a rerating if this mix is sustained. The share price has been flat for some time due to the 2-for-1 bonus issue, but that now seems to be in the past.

Annualized EPS stands at ₦2.18, with a forward P/E of 8x at today's closing price. UCAP’s dividend payout ratio is over 65%, making it attractive for dividend-focused investors.

Organizational cost discipline also deserves mention. OPEX declind by 13% despite revenue growth of 31%. This reflects solid operating leverage, not just top-line expansion alone

[Seye Ogun @oluwadamisi]

UBA should have realized that the current crop of investors on the NGX are far smarter and more savvy than generations past...

Access to information is at our fingertips than ever before. We now make use of tools such as LLM's that didn't exist 5 years ago, and financial literacy is improving at a very high & impressive rate.

So give us some credit & don't treat us like E-idiots that don't know their left from their right.

You goofed when you failed to report the FY 2025 situation early, like a responsible institution should, to her shareholders so they can make informed decisions on whether or not to move their money or ride the storm with you.

You added insult to the injury yesterday by trying to use paid influencers.. "To do what exactly?"
What was the plan?

To sway folks that put hundreds of thousands or, in some cases, millions of their hard earned NAIRA on a stock they believed will perform???

Una no try at all...

[Mr. TeeProf @MTeeprof]

Another Huzzle minded Monday is here... Make it count 🤝
Happy new week fam 🥰