Olivia
Online
Daramola
@daramsmoque
I hate materialism
Lagos
Joined September 2012
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I started buying stocks with just ₦9K (in UBA). Today my portfolio has grown exponentially.
If you want to make money in the 🇳🇬 stock market, understand these three simple things.
1. Know why you’re investing
Before you buy any stock, ask yourself:
• Are you investing to grow your money over time?
• Or do you want regular income from dividends?
• Are you investing for 2–3 years or 10–20 years?
It’s like taking a trip — you can’t choose the right roadif you don’t know your destination.
If you’re investing for long-term goals (like retirement or building wealth), short-term market ups and downs shouldn’t scare you. But if you’ll need the money soon, you shouldn’t take too much risk.
2. Buy good businesses, not just cheap stocks
Don’t invest just because a stock is cheap or someone recommended it.
Ask:
• Is this a strong company?
• Does it make consistent profit?
• Is it growing?
• Does it have too much debt?
Think of it this way:
Buying a stock means you’re becoming a part-owner of a business. If you wouldn’t proudly own the whole business, why own a small part of it?
Learn the basics of reading:
• Income statement (Is the company making profit?)
• Balance sheet (Is it financially healthy?)
• Cash flow statement (Is real cash coming in?)
Avoid junk companies that are always struggling, always borrowing, and never growing.
3. Stay invested — be patient
The stock market goes up and down. That’s normal.
Many beginners lose money not because they picked bad stocks, but because:
• They panic when prices fall and sell at a loss.
• They get excited when prices rise and buy too late.
Wealth is built with time and patience.
Instead of trying to predict the perfect time:
• When prices fall, see it as buying good companies at a discount.
• When prices rise, stay calm and let your investments grow.
Time in the market is more powerful than trying to time the market.
In simple terms:
1. Have a clear goal
2. Buy strong companies
3. Be patient
That’s how real wealth is built in the 🇳🇬 stock market.
₦500K High-Performance Stock Portfolio (2026 NGX): Infrastructure • Consumables • Telecom.
Infrastructure (₦200K)
1. Dangote Cement – ₦80K
2. BUA Cement – ₦60K
3. Lafarge Africa – ₦60K
Built on real assets, inflation resistance, and long-term national demand.
Consumer Staples (₦150K)
1. Nestlé Nigeria – ₦60K
2. BUA Foods – ₦50K
3. Nigerian Breweries – ₦40K
Everyday demand businesses that survive every economic cycle.
Telecommunications (₦150K)
1. MTN Nigeria – ₦90K
2. Airtel Africa – ₦60K
Cash-flow machines powered by data, voice, and digital payments growth.
These are the core idea:
1. Infrastructure anchors inflation protection.
2. Consumers drive consistent cash flow.
3. Telecom compounds from digital dependence.
What do you think is missing here, energy exposure, FX plays, or tech?
Access Holdings is one of Africa's most powerful financial institutions, and that is not a small thing.
But power and accountability must move together. When they do not, it is ordinary depositors who carry the cost.
All figures in this thread are drawn directly from the audited 2025 financial statements of Access Holdings Plc, signed off by KPMG on 30 April 2026.
Read it yourself. Knowledge is the only shield.
If this thread helped you, please repost it. Someone in your network needs to see this.
NigeriaFinance AccessBank Investing
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 👇
AWOLOWO’S LETTER TO THE RICHEST IJEBU MAN IN 1943, SEEKING AN EDUCATIONAL LOAN.
...On Ambition, Integrity, and the Audacity to Ask for the Impossible!
AWOLOWO SPEAKS:
Please read the letter below, written by Chief Obafemi Awolowo to Chief Timothy Adeola Odutola on March 25, 1943 — then the richest Ijebu man — requesting an education loan of £1,400, to be repaid by 1955. It is audacious, meticulous, and deeply revealing of the man who would later shape a nation.
---
THE REMARKABLE LETTER.
March 25, 1943
Dear Mr. Odutola,
I think it will save time, and be more businesslike, if I dispense with pleasantries and go straight to the purpose of this letter: I am writing to ask you to lend me the sum of £1,400 — One thousand and four hundred pounds — free of interest, for twelve years.
It is a staggering sum. More staggering still when you realize that I, who ask for this loan, have nothing in all the world to offer as security except my good faith and my brains — which are of value only so long as I continue to breathe the breath of life.
Nevertheless, I proceed to state, briefly, why I seek this great loan from you. I ask that you spare some time to read what follows, even if, in the end, you find yourself unable to grant me this grand favour.
Since boyhood, one great ambition has possessed me: to be a lawyer, a politician, and a journalist, rolled into one. I cherish politics and journalism as a calling; I desire advocacy as a means of livelihood. For, you will agree, a politician or journalist without the means to support himself and his family comfortably is like a blade with no razor.
There was a time I stood on the verge of earning enough to proceed to England to pursue this ambition. But fortune twisted, and I crashed. Since then, I have labored without success to recover lost ground financially. Spiritually and intellectually, however, I have made appreciable advance, despite towering difficulties — all of which have now been surmounted.
As you know, I have just passed the Intermediate Bachelor of Commerce Examination. Next year, I shall sit for the final https://t.co/lCGy4KA4d6. But a degree is not my goal. I detest the thought of being a government or mercantile employee. Opportunities exist for me to secure a suitable, well-paid post under government or a mercantile house. Yet, once I become such an employee, my career as a politician and journalist ends. I have resolved that, under no circumstances, will I take up such employment.
I am now thirty-four. After careful thought, I have concluded that if I could raise a loan, free of interest, sufficient to cover expenses, I should go to England this year. Within three years, I should qualify as a Barrister-at-Law and also obtain, with Honours, the LL.B Degree of the University of London. These degrees, apart from giving me standing as a solicitor and advocate, will fortify me immensely as a politician and journalist.
But where on earth could I get the money? Who in Nigeria today could give £1,400 free of interest to help a fellow man? J. Henry Doherty, Esq., of illustrious memory — who did the like for many successful Nigerians — is no more. But after meticulous searching and weighing, I settled upon you.
I have no doubt that, out of the bounty with which Providence has blessed your grit and enterprise as a businessman, you can well afford to advance such a sum. Nor do I doubt that, as a young and progressive man, you would be happy to fund a project so aligned with national uplift.
But then — could you take this risk?
That is the question. As I have said, I have no security for this loan. Moreover, I ask it free of interest. You stand to gain absolutely nothing in the whole transaction, except the satisfaction that by helping me achieve my ambition, you are indirectly — or even directly — helping Nigeria, or Africa itself.
The
Lo sabías?! https://t.co/mqro1tamJ6
IF YOU WANT TO ATTRACT WEALTH, UPGRADE THESE 5 THINGS IMMEDIATELY
This account is dropping incredible value for free, Breaking down complex car importation rules and information that others are charging $1,000 or more for. Absolute gold!
Do you know that the major documents you need to open a Copart or IAA account are your CAC documents and your international passport?
When people hear of Copart and IAA, they think it's a complex process. This thread covers everything.
In 1942, the Japanese rounded up all Chinese men in Singapore.
They were filtering out the healthy young ones to execute.
Lee Kuan Yew was 18. A guard pointed at him and said: "Go to that lorry."
He knew what that meant. The lorry went to the beaches. The beaches meant machine guns.
He asked: "Can I collect my other things?"
They said yes.
He walked away, found his family's gardener, and hid in his quarters for two days.
When they changed the screening inspectors, he tried again. This time, he got through.
The ones sent to that lorry were taken to the beaches and shot. Somewhere between 50,000 and 100,000 didn't survive.
60 years later, he sat down at Harvard to explain how he built Singapore from a tiny island into one of the wealthiest nations on Earth:
On what the war did to him:
"We lived in happy, placid colonial Singapore in the 1920s and 30s. The British Empire would have lasted another thousand years, so we thought."
Then the Japanese came. In less than one and a half months, the British collapsed.
"Three and a half years of hell. Butchery. Brutality. Many didn't survive. I was fortunate. I did."
"But it changed us."
"What right did they have to do this to us? Why did the British let us down so badly?"
When the war ended, Lee went to Cambridge to study law. But he was watching with different eyes.
"Can they govern me better than I can govern myself? Because they scooted when the Japanese came in. And why shouldn't I be running the place?"
On learning languages to lead:
Lee was the best speaker in English. But only 20% of Singapore spoke English.
The masses spoke Hokkien, Mandarin, and Malay.
"So every day at lunchtime, instead of having lunch, I would sit down with a Hokkien teacher and laboriously and painfully learn to convert my Mandarin into Hokkien."
"Had I not mastered that, the battle would be lost by default."
His first speech in Hokkien, the kids laughed at him.
"I said, please don't laugh. Help me. I'm trying to get you to understanding."
By 6 months, he could get his ideas across. By 2 years, he was fluent.
"Believe it or not, at the end of two years I could speak better than most of them."
"That came respect."
It showed two things: how determined he was, and how sincere. Here was a man doing all these other things and still learning their language just to talk to them.
On fighting the Communists:
The Communists had been organizing since 1923. The year Lee was born.
"Here we were in the 1950s trying to beat them. And they are professionals at organization."
They had elimination squads. Guerrillas in the jungle. Killer squads in the towns.
Lee stood up and said no.
"They denied that they were Communists. 'We're just left-wing socialists.' So I did a series of 12 broadcasts to set the scene. And I made it in three languages."
English. Malay. Mandarin. 20 minutes each.
"When I finished each broadcast, the director of the station couldn't see me. Went into the room and found me lying on the floor trying to recover my breath."
"But it was a fight for survival. Life or death."
On where trust comes from:
"It's difficult to establish trust in times of calm. You just say, 'Well, it's an argument, therefore I'm a better guy than you.'"
"But when the chips are down and you can get eliminated in a very unpleasant way and you show that you're prepared for it and you'll fight for them, it makes a difference."
"Without that trust, we could not have built Singapore."
On IQ vs EQ:
Harvard asked him: would you prefer high IQ or high EQ in a leader?
"IQ, you can get beautiful paper done. Complex formulas worked out. Elegant solutions."
"But when you've got to get a team to work and put that formula into practice, you're dealing with human beings."
"If you're not good at EQ, you can't sense that A doesn't get on with B, and you put them in the same team. It's no good."
He rated his own EQ as 7 or 8 out of 10. His IQ as "maybe 120."
But he had colleagues who could sense a person instantly.
"He shook hands with the man and said, 'I recoiled when I felt his palm. Evil man.' And he was. How does he know? I don't know."
"So I learned whenever I had to do interviews to choose people, I would get people who are very good at seeing through a candidate."
On corruption:
Singapore in the 1950s was full of deals, bribes, and organized crime.
"When we took over, we decided that this was the critical factor. If we did not make it so that every dollar put in at the top reaches the ground as one dollar, we're not going to succeed."
"We came in and made a symbolic act. We dressed in white shirts, white trousers, and said we will be what we represent."
He put the anti-corruption bureau under his personal portfolio.
"I gave the director the authority to investigate everybody and everything. All ministers. Including myself."
One of his own colleagues took half a million in bribes. When the investigation started, he asked to see Lee.
"I said, if I see you then I'll be a witness in court. So best not see me. Better see your lawyer."
The man committed suicide. Left a note saying: "As an oriental gentleman who believes in honor, I have to pay the supreme price."
"It's a heavy price. But it reminds every minister that there are no exceptions."
On consistency:
Lee had three journalists analyze 40 years of his speeches.
He asked them: what was the dominant theme?
All three said the same thing: consistency.
"What I said at the beginning, throughout all that period, the theme stayed loud and clear."
"That made it simple. Because you know where you stand with me. And you know what I want to do."
On delivering results:
"We deliver the homes, the schools, the jobs, the hospitals."
"Today, 98% of our people own their own homes. The smallest would be about $100,000 US. The biggest about $300,000."
"Once you own that amount of assets, you are not in favor of risking it with a crazy government. Your assets will go down in value."
"But that was planned."
Why? Because Singapore is small. Everyone does national service. If you're going to fight, you better be fighting for something you own.
"So we give everybody a stake."
On changing culture slowly:
Lee wanted Singapore to speak English. But he couldn't force it.
"Had I passed a law and said you will all learn English, we would have had mayhem. Riots."
Instead, he let parents watch who got the best jobs. The jobs were already there, from the multinationals and banks. They all used English.
"They watched and saw who got the best jobs. And they switched."
It took 16 years.
"I did not want to have said 16 years. Because in those 16 years I lost 20,000 Chinese graduates who had poor jobs. I wanted to make it shorter. I couldn't. I would have run into flack."
On whether leadership can be taught:
Lee quoted Isaac Singer, the Nobel Prize winner for Yiddish literature.
Someone asked Singer: "Can you make a writer write great literature?"
He paused. Then said: "If he has the writer in him, I will make him a good writer in a shorter time."
Lee's version:
"Can you make a leader of anybody? I don't think so."
"He must have some of the ingredients. He must have that high energy level. He must have the ability to project himself, his ideas. He must have the desire, almost instinctively, to say 'let's do something better.' Of wanting to do something for his fellow men and not just for himself and his family."
"You can't teach those things. He's either got it or he hasn't got it."
"But if he's got that, then you can save him a lot of trouble."
On sustaining yourself:
Harvard asked how he managed despair over decades of leadership.
"If your message is one of despair, then you should not be a leader. You must give people hope."
"But there are moments when you feel very down. Either because you're physically down, or emotionally down, or because the world has turned adverse against you."
"When you are in that condition, the first thing you do is get a good night's sleep. Then get a swim or chase a ball. Get the cobwebs out of your mind."
"If you're not fit, you're going to make mistakes. Physically fit. You must stay physically and mentally fit."
In his later years, he learned to meditate.
"At the end of 20 minutes to half an hour, my pulse rate can go down from 100 to about 60. You can feel yourself subside. You still your mind. You empty your mind."
"Then when you are rested, you resume quietly. You still got the same problems. Maybe you sleep on it. Come back. Look at it for a few days. Then decide."
This 2 hour Harvard interview will teach you more about leadership than every business book you've read combined.
Bookmark & give it 2 hours this weekend, no matter what.
İkisi arasındaki farkı öğrenince, iPhone'un ne kadar güçlü olduğunu takdir ettim.
Your iPhone has been stolen. The thief turned it off. Find My shows “Offline.”
Your data, your photos, your mobile banking—it’s all in his hands.
But if you’ve set up these three things beforehand, the thief is just holding an $880 piece of metal that can’t be touched.
"The richest 0.001% don't wear luxury."
Yes they do.
You're just too poor to know them... it’s not Dior, Louis Vuitton or Gucci.
Here are 7 brands that billionaires & royalties actually wear:
1. T𝗼m F𝗼rd
TU IPHONE TIENE FUNCIONES QUE NUNCA HAS USADO
Esto se termina hoy.
Aquí tienes las 10 funciones ocultas que Apple nunca te explica.
Las activé todas en minutos. Cambio brutal.
🔖 Guárdalo, merece la pena.
My iPhone went missing from my desk. 10 minutes later, I got a notification on my iPad. There was a photo of a stranger holding my iPhone. His expression was panicked. He didn’t know he was being photographed. This isn’t magic. iPhones have a feature that automatically does this if stolen.
And you can activate it now:
Roger Federer: "Effortless is a myth. I worked very hard to make it look easy."
"I left school at age 16 to play tennis full-time. So I never went to college. But I did graduate recently. I graduated tennis. I know the word is 'retire', but retired sounds awful. Like you, I finished one big thing and I'm moving on to the next. Like you, I'm figuring out what that is."
Lesson 1: Effortless is a myth.
"People would say my play was 'effortless.' Most of the time, they meant it as a compliment. But it frustrated me when they'd say, 'He barely broke a sweat' or 'Is he even trying?' The truth is, I had to work very hard to make it look easy."
Roger shares the wake-up call:
"An opponent at the Italian Open publicly questioned my mental discipline. He said, 'Roger will be the favorite for the first two hours. Then I'll be the favorite after that.' Everyone can play well the first two hours you're fit, you're fast, you're clear. After two hours, your legs get wobbly, your mind starts wandering, your discipline starts to fade. My parents, my coaches, even my rivals were calling me out. So I started to train harder. A lot harder."
He explains the paradox:
"I got the reputation for being 'effortless' because my warmups at tournaments were so casual that people didn't think I'd been training hard. But I had been working hard before the tournament when nobody was watching."
Roger redefines talent:
"Yes, talent matters. But talent has a broad definition. Most of the time, it's not about having a gift, it's about having grit. A great forehand can be called a talent. But discipline is also a talent. Patience is a talent. Trusting yourself is a talent. Embracing the process, loving the process, these are talents too. Some people are born with them. Everybody has to work at them."
Lesson 2: It's only a point.
"You can work harder than you thought possible and still lose. I have many times. Tennis is brutal. Every tournament ends the same way: one player gets a trophy. Every other player gets back on a plane, stares out the window, and thinks, 'How the hell did I miss that shot?'"
Roger shares the statistic that changed his mindset:
"In the 1,526 singles matches I played in my career, I won almost 80% of those matches. But what percentage of points do you think I won? Only 54%. Even top-ranked tennis players win barely more than half of the points they play."
He explains what this teaches:
"When you lose every second point on average, you learn not to dwell on every shot. You teach yourself to think: 'Okay, I double-faulted. It's only a point.' 'I came to the net and got passed again. It's only a point.' Even a great shot, an overhead backhand smash that ends up on ESPN's Top 10, that too is just a point."
Roger shares the key mindset:
"When you're playing a point, it has to be the most important thing in the world. And it is. But when it's behind you, it's behind you. This frees you to fully commit to the next point with intensity, clarity, and focus."
He reflects on losing Wimbledon 2008:
"Some call it the greatest match of all time. Okay, all respect to Rafa, but I think it would've been way better if I had won. Looking back, I feel like I lost at the very first point. I looked across the net and saw a guy who just a few weeks earlier crushed me in straight sets at the French Open. And I thought, 'This guy is maybe hungrier than I am.' It took me until the third set to remember 'Hey buddy, you're the five-time defending champion. You're on grass. You know how to do this.' But it came too late."
Roger shares what champions understand:
"The best in the world are not the best because they win every point. It's because they know they'll lose again and again, and have learned how to deal with it. You accept it. Cry it out if you need to. Then force a smile. Move on. Be relentless. Adapt and grow. Work harder, work smarter."
Lesson 3: Life is bigger than the court.
"A tennis court is 2,106 square feet. That's where singles matches happen. Not much bigger than a dorm room. I worked a lot, learned a lot, and ran a lot of miles in that small space. But the world is a whole lot bigger than that."
Roger explains his philosophy:
"Even when I was just starting out, I knew that tennis could show me the world, but tennis could never be the world. I knew that if I was lucky, I could play competitively until my late 30s, maybe even 41. But even when I was in the top five, it was important to me to have a life, a rewarding life full of travel, culture, friendships, and especially family. These are the reasons I never burned out."
He shares what matters most:
"Tennis has given me so many memories. But my off-court experiences are the ones I carry forward just as much. The places I've travelled, the platform that lets me give back, and most of all the people I've met along the way."
Roger concludes:
"Tennis, like life, is a team sport. Yes, you stand alone on your side of the net. But your success depends on your team, your coaches, your teammates, even your rivals. All these influences help make you who you are."
His final words:
"Whatever game you choose, give it your best. Go for your shots. Play free. Try everything. And most of all, be kind to one another, and have fun out there."
Instead of spending two hours on Netflix, why not try this? I have a feeling you’ll really enjoy it.
This is an absolute masterclass from MIT on how to speak
In 2019, MIT professor Patrick Winston gave a legendary 1-hour lecture called “How to Speak.”
It has 18M+ views for a reason.
His frameworks:
• Your ideas are like your children
• The 5-minute rule for job talks
• Why jokes fail at the start
15 lessons on communication:
I’m hoping the Chinese are already in the ground in Ogun state offering this.
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