Iking Ferry

Building publicly from scratch to help millions become financially FREE.
📩 [email protected]
📞 [phone]

[Iking Ferry @ikingferry]

STEP 5: System Confirms Your Identity

The system checks:
• National identity records
• Tax records

If everything matches:
Your TIN appears immediately

That is your official, harmonised tax identity.

[Iking Ferry @ikingferry]

Many Nigerians are still asking:

“How do I generate TIN?”
“Do I need to register again?”
“Where do I go?”

Relax.
Let me explain it simply.

First, What Is TIN?

TIN means Tax Identification Number.

Think of it as:
Your tax name
Your tax identity
Your tax fingerprint

[Iking Ferry @ikingferry]

STEP 3: Enter Your Identity Number

• Individuals = Enter your NIN
• Businesses = Enter your CAC number

STEP 4: Enter Simple Details

For individuals, you’ll be asked:
• First name
• Last name
• Date of birth

Nothing is complicated.

[Iking Ferry @ikingferry]

Relax....
LET ME SHOW YOU HOW TO RETRIEVE YOUR TIN (STEP BY STEP)

STEP 1: Visit the Official Portal

Go to:
https://t.co/5Z4dDfWkt5

(This is the official Tax ID Retrieval Portal)

STEP 2: Choose Who You Are

Select:
• Individual
• Business
• Non-resident

[Iking Ferry @ikingferry]

Imagine:
Mama Ngozi sells tomatoes.

She already has:
• NIN
• Phone number
• Bank account

Mama Ngozi does NOT need to “register” for TIN again.

She only needs to:
Confirm her tax identity online

But, Iking How can I do this myself?

[Iking Ferry @ikingferry]

It is now linked to your NIN identity.
(I said this 4 months ago that your TIN will be synchronised with your NIN)

Now....
WHERE DOES YOUR TIN COME FROM?

Very simple:

For Individuals

Your TIN is generated from your:
National Identification Number (NIN)

For Businesses

[Iking Ferry @ikingferry]

Without TIN:
• You can’t file tax properly
• You can’t get Tax Clearance
• Banks and government won’t take you seriously

Under the new system:
TIN is now generated automatically

You are NOT creating a new number from scratch.

Your TIN already exists.

[Iking Ferry @ikingferry]

It is a wealth transfer opportunity created by economic policy + banking reforms.

Now, let me tell you the truth that nobody will tell you

2026 is not a year to be afraid.
It’s a year to be aware.

While many Nigerians will complain…
Smart investors will quietly build generational wealth.

The difference is not luck.
The difference is knowledge positioning.

As a Financial Literacy Advocate.

For months, I have been studying:

- government policies
- tax systems
- CBN reforms
- inflation data
- banking activities
- capital market reactions

And everything is pointing to one direction:

Banking Stocks Will Be the Biggest Wealth Opportunity of 2026.

Don’t say you were not told.

If you want more posts like this, share this, comment “Iking tell me more”, and follow this page.

I am Iking Ferry,
Your Financial Literacy Advocate,
On a mission to build
1,000,000 Financially FREE Nigerians.

And you will be one of them.

[Iking Ferry @ikingferry]

If You Want to Become Rich in 2026… READ THIS STOCK MARKET SECRET NOW (Before Others Discover It)

For weeks now…
I’ve been teaching my students at Pulseford Business School Financial Literacy and Wealth Building Program something very deep.

Something most Nigerians have NEVER heard.
And today, I want to share it publicly.

If you skip this post… you’re skipping your financial breakthrough.

Let me start with a fact:

Nigeria is entering a NEW financial era by January 1st, 2026 - and only smart investors will benefit.

Because of many Elderly people following this page, Let me break it down like I’m teaching a 10-year-old child so that even Grandma in the village will understand…

As your Financial Literacy Advocate, let me tell you Why 2026 Will Create New Millionaires (If You Position Early)

Most of you think the stock market is “risky”, “hard”, or “only for rich people.”

No.

The stock market simply rewards people who understand economic direction.

And right now?

Nigeria’s direction is CLEAR.

Let me show you the 4 signals the wealthy are already using…

SIGNAL 1: Nigeria has moved into a Progressive Tax System

Starting January 1st, 2026:

More money will be captured through the formal banking system.

Meaning:

• More revenue for government
• Less borrowing
• Stronger economic indicators
• More liquidity inside banks

And who benefits first when money flows through banks?

Banks and investors.

I hope you get the point....

SIGNAL 2: Inflation has Dropped from 22% to 16.05%

A lot of you didn’t pay attention, but THIS is huge.

Inflation dropping means:

• Prices are stabilizing
• Money is holding value
• Investor confidence is rising
• Stock market becomes MORE attractive

When inflation falls, investors RUSH into equities to lock in future gains.

SIGNAL 3: The CBN Recapitalization Policy (THIS is the Goldmine)

The Central Bank of Nigeria told every Bank:

“Raise your capital or downgrade… or disappear.”

This means:

International banks must raise huge capital

National banks must meet higher targets

Regional banks must upgrade or merge

When banks raise capital, share prices move.

When banks merge, share prices move.

When weak banks downgrade, money shifts to strong banks, share prices move.

Smart investors are already positioning.

You too should.

SIGNAL 4: CBN New Cash Withdrawal Limits (3% & 5% Penalty)

Whether you know it or not:

CBN is forcing Nigeria into a cashless economy by design.

What that means is simple:

More money will pass through digital banking channels.

And when more money touches the banks…

Banks make more profit.
And when banks make more profit…
Their stock price increases.

I know you have multiple questions going via your mind now....

How does this concern me kwa nu?

Oya... Relax

ALRIGHT IKING, WHAT DOES THIS MEAN FOR YOU AS AN INVESTOR?

Stop guessing.

Stop gambling.

Stop saying “God abeg.”

The message is clear:

2026 will be the YEAR OF THE BANKING STOCKS.

And the people who position early will make the most money.

Not hype.
Not motivation.
Not wishful thinking.

This is fundamental analysis.

Let me tell you What You Should Do Now (If You Want to Be Among the Smart 1%)

1. Start paying attention to every bank listed on the NGX.

GTCO
UBA
Zenith
Access
Fidelity
FCMB
Stanbic
Wema
Union
Sterling
Jaiz
Unity
Eco bank

Study their:

• Capitalization
• Profit growth
• Recapitalization plan
• Market sentiment
• Merger potential
• Dividend history

2. Identify banks that will GROW, MERGE or SURVIVE.

Investors make the MOST MONEY in seasons of restructuring.

This recapitalization season will create:

Winners

Losers

Mergers

Collapsed banks

Stronger giants

Your job is to pick the winners early.

3. Position BEFORE the New Year Rush

Smart money enters before news becomes mainstream.

Lazy investors enter when it’s already too late.

4. Hold for the medium to long term

This is not a “pump and dump”.

[Iking Ferry @ikingferry]

And if your company turnover is below ₦100m?

0% tax.

Do you now see why structure is wealth?

I hope you understand?

Now, that you know....

Let me tell you The Main Reason why many Creators will Suffer Tax Problems

Because they treat their hustle like “passion”
instead of treating it like a business.

But let me tell you:

Your camera = business asset
Your data = business expense
Your ring light = business expense
Your rent = business expense
Your salary = business expense
Your transport = business expense
Your phone = business asset
Your props = business expense
Your editing app subscription = business expense

Creators don’t know this.

And ignorance is what puts people in trouble.

Is like this post is long oooo?

Okay, I will summarize everything now.

As your Financial Literacy Advocate, Let Me Give You The Saving Formula (WRITE THIS DOWN)

- Register a company
- Open 2 corporate accounts
- Pay yourself a salary
- Spend your personal life from the salary
- Keep receipts
- Treat every project as a business
- File annual returns
- Track inflows & outflows
- Keep production expenses separate
- Stop mixing personal & business money

If you do this?

Your tax problem becomes ZERO.

If you ignore it?

Your future becomes stressful.

Here's my advice:

I will never teach you how to avoid tax.

Because tax builds nations.

But I will teach you how NOT to pay more than you should.

The problem is not tax…
The problem is ignorance.

Creators, protect your future.
Protect your money.
Protect your mental health.

2026 will expose everybody who is not structured.

But those who are smart today…
will smile tomorrow.

If you want to register your company or upgrade your business name, go to Google and search:

Shoprime NG

They understand the new tax system very well.

I am Iking Ferry,
Your Financial Literacy Advocate.
Founder, Pulseford Business School
On a mission to build 1 million financially free Nigerians with the right knowledge

[Iking Ferry @ikingferry]

If you are a Content Creator in Nigeria - musician, comedian, skit maker, YouTuber, influencer, dancer, photographer - this is the most IMPORTANT post you will read this year.

If you love yourself, pause.
Stop scrolling.
Read this with your full chest.

Because what you don’t know will not only embarrass you… it will TAX you.

And in 2026, ignorance will be VERY expensive.

Before I became your Financial Literacy Advocate, I worked deeply inside the music industry.

I worked with artists - very BIG names, but I won’t call anybody.

I saw money enter their accounts like rain…
And I also saw those same artists cry later because they could NOT explain where the money came from.

Let me shock you:

A lot of musicians, comedians and influencers today are indirectly involved in money laundering without knowing.

Not because they are criminals…

…but because money enters their account from everywhere:

– show money
– streaming
– brand deals
– gifts
– random transfers
– appearance fee
– sponsorship
– promoter payments

…with NO proper records.

The day government asks:

“Where did ₦12 million that entered your account in June come from?”

They start panicking.

But the problem is not the government.

The problem is ZERO structure.

Some months ago, Peller The Tiktoker, cried online because he was slammed a tax bill of 36million Naira

People were laughing online.
But me, as someone who understands finance, I knew EXACTLY what happened.

He couldn’t prove allowable expenses.
He couldn’t separate personal money from business money.
He couldn’t defend those inflows.

Creators think money is “incoming alert”…
The government sees it as “income”.
And income must be explained.

NOW LISTEN TO ME… VERY CAREFULLY

From 2026, every inflow inside your personal account will come under scrutiny.

Some of you receive $100 today, $300 tomorrow, $450 next week from YouTube, Facebook, Audiomack, Distrokid, Ditto Music…

By the time you convert it:

₦150k
₦210k
₦380k
₦500k

Before you know, your yearly inflow is over ₦800,000…

…and once you cross ₦800k in a personal account, PERSONAL INCOME TAX starts applying.

Meanwhile, creators who structure well will pay 0% tax even with ₦50m turnover.

So the issue is NOT tax.

The issue is IGNORANCE.

Now that you get the point...

Sit down, Let Me Teach You The Secret That Saves Creators Millions

Every creator operates like this:

Money enters,
You spend anyhow,

No record,

No receipt

No accountability

But let me show you the structure that wealthy people use:

STEP 1 - Register a Limited Liability Company

If your name is “Mama Ngosi”, register:

Mamangosi Entertainment Ltd

Now you and the company become SEPARATE LEGAL ENTITIES.

Meaning:

Your turnover threshold becomes ₦100 MILLION, not ₦800k.

That alone separates you from “tax victims”.

STEP 2 - Open Two Accounts

Account 1: INCOME ACCOUNT
– All brand deals
– All monetization money
– All show money
– All YouTube/Facebook earnings
– Everything ENTERS here only.

Account 2: EXPENSE ACCOUNT
– When you want to pay for anything (camera, transport, props, editors, etc.)
Transfer from Account 1 to Account 2.

Boom.
This alone creates your entire financial record.

No accountant needed.

STEP 3 - Understand ALLOWABLE EXPENSES

Let me explain this part with a simple story, because I want you to understand everything clearly, even if you don't like ACCOUNTING in School.

Imagine you’re a comedian called Small Kelvin.

You shoot a skit…

You paid:

– Cameraman ₦25k
– Editor ₦20k
– Transport ₦10k
– Rented a space ₦15k
– Bought costume ₦12k
– Called your team for coordination ₦3k
– Bought fuel for generator ₦8k
– Paid your graphics guy ₦7k
– You paid your monthly rent because your house doubles as studio
– You bought ring light ₦30k

ALL THESE are allowable business expenses.

Meaning:

If you made ₦500,000 this month
but spent ₦380,000 on production…

Your taxable profit is ₦120,000, NOT ₦500,000.

[Iking Ferry @ikingferry]

Let me answer a very important question someone asked under my last post:

“Oga Iking, if my company already removes tax before paying my salary, will the government still tax me again?”

This question is deeper than you think.
And if you don’t understand the answer well… you can still enter trouble without doing anything wrong.

Let me break it down the way even a 14-year-old can understand.

The Truth is Simple:

Salary earners are taxed ONLY ONCE.

The tax your employer deducts every month is called PAYE = Pay As You Earn.

That is your tax.
That is your contribution.
And once it is deducted, you are done.

Government will not come again and remove extra tax from your salary.

But here is where MANY people enter wahala…

Oya... Sit down, let me tell you the real Problem.

Your SALARY is taxed once…
BUT your BANK ACCOUNT can put you into another tax if you are not smart.

Let me explain with a simple story so that even Mama Ngozi in the village will understand.

Let me introduce you to Mr. John...

John is Mama Ngozi, First Son

He works in a company.
His monthly salary is ₦250,000.
His employer has been deducting PAYE for him consistently.

So far, everything is clean.

But John also helps his uncle sell spare parts on WhatsApp.

All the money customers pay - ₦40k today, ₦150k tomorrow, ₦300k next week,
He tells them:

“Just transfer it to my salary account… I will settle my uncle later.”

By December, his salary account has:

Salary inflow = ₦3 million

Side hustle inflow = ₦5 million

Government is not seeing salary…
Government is seeing ₦8 million PERSONAL INCOME.

And once your PERSONAL inflow crosses ₦800,000 per year,
you fall under Personal Income Tax for individuals.

Even though your salary tax has already been paid,
government can request for:

Explanation

Records

Evidence

Breakdown of inflow

If you cannot explain or prove it?

They assume EVERYTHING is your taxable income.

This is how innocent people enter DOUBLE TAX without knowing.

BUT LET ME SHOW YOU THE WISE WAY - The way wealthy people do it.

When you earn salary but also do business or side hustle:

Separate your salary from your business.

Salary - goes into your personal account

Business - goes into your company account

EVEN if the business is small…
EVEN if you are doing it from your phone…

Create a structure.

Open:

1: Personal account for salary
2: Business account (preferably LTD) for side hustle or deals

Now everything becomes clean:

Government sees salary, taxed already

Government sees business, taxed based on business rules

No confusion

No problems

No double taxation

I know some of you be wondering...

WHAT IF YOU DON’T HAVE ANY SIDE HUSTLE?

Oya... relax.
Your salary tax is the only tax you pay.

Unless money starts entering your account from:

business

buying & selling

POS

supply

agency work

freelance

family contributions you can’t explain

“help me collect and send later”

Once your inflow starts going up…
Government expects explanation.

That is why financial literacy is more important than ever before.

Tax is not your enemy.
Ignorance is.

Once you separate your financial life into:

Salary

Business

Personal

The stress disappears.

If you want to register a business properly,
upgrade to LTD,
or open structured business accounts,

Just search Shoprime NG on Google.
They have affordable CAC agents and accountants who understand this new tax system very well.

I am Iking Ferry,
Your Financial Literacy Advocate…
Founder, Pulseford Business School

On a mission to build 1 million financially FREE Nigerians.

[Iking Ferry @ikingferry]

When I finished explaining, Mama looked at me and said:

“My pikin, this country dey hard, but at least now I understand wetin government dey plan.

Abeg continue this your teaching, e dey help small business people like us.”

So I told her:

“Mama, I go continue. These new laws get 20 major changes, but we don do 5 today. I go continue with the remaining ones soon.”

Should I drop the next 5 tomorrow?

If you want the continuation, just type “Iking continue with The Tax Policy”

I’ll break it down the way Mama Ngozi will understand, and the way YOU will benefit from

I am Iking Ferry
Your Financial Literacy Advocate
Founder, Pulseford Business School
On a Mission to build 1million Financially FREE Nigerians with the right knowledge

[Iking Ferry @ikingferry]

My people, gather here.
You see these new tax laws that President Bola Ahmed Tinubu signed on 26th June 2025… e no be small thing o.

They quietly changed a lot of things that will affect business owners - big and small.

To explain it well, let me use somebody we all know: Mama Ngozi, the woman that sells everything from purewater to provisions to wholesale rice in your area.

Yesterday, Mama Ngozi called me:

“My pikin, I hear government bring new tax again. Abeg explain am like person wey dey buy kerosene for N50 bottle.”

So I broke it down for her… and now I want to break it down for you too.

Let’s start with 5 major changes, the rest will come later.

1: Small Companies Are Now Safer - More Businesses Will Pay Zero Tax

I told Mama Ngozi:

“Mama, if your business turnover is ₦100 million and below, and your total fixed assets no pass ₦250 million, your company is now officially a Small Company.”

Meaning:
No Companies Income Tax (CIT)
No Capital Gains Tax (CGT)
No Development Levy

Mama shouted:

“So na free tax for people like us?”

Yes Mama, as long as your business remains within that limit.

Before, the threshold was ₦25 million, but now it’s ₦100 million.

Government says small businesses need breathing space to grow.

Whether they will allow us to breathe is another conversation… but at least, this one makes sense.

But, make I tell you one small Secret ooooh.

This one is for people that register their business as Limited Liability Company, not for People wey Register as Business Name

2: CGT Has Increased - Big Companies, No More Running

I explained to her:

“Mama, Capital Gains Tax for companies don increase from 10% to 30%.”

She asked:

“Which kain gain be that my pikin?”

I said:
“Mama, this one na when business sells land, building, shares, or assets and makes profit.

Before, company fit dodge small by calling something capital gain instead of business income because the tax was smaller. Government don harmonize am.”

So now:

Companies pay 30% CGT

Individuals will pay CGT based on their normal income tax rate

In short:
No more hiding under capital gains to pay less tax.

3: Offshore Share Transfers - No More Smart Escape

Mama scratched her head:

“But what of when big people sell shares secretly in another country?”

I said:

“Mama, government don catch that one too.
If someone sells shares in an offshore company that secretly owns a Nigerian company, Nigeria will still collect its Capital Gains Tax.”

Plus the exemption threshold is now:

₦150 million worth of shares in 12 months

As long as the gain no pass ₦10 million

Government is clearly saying:
If you move wealth around Nigeria, directly or indirectly, pay your tax.

4: New Development Levy - A New Tax but With a Twist

Mama opened her mouth:

“Another levy again? This country no dey tire?”

I laughed and explained:

“This one is new but not exactly new.
Government bundled several taxes inside one basket:

TET

IT Levy

NASENI Levy

Police Trust Fund Levy

Everything now forms one new levy called Development Levy, charged at 4% of assessable profit.”

Good news:
Small companies don’t pay

So Mama asked:

“So na only big companies go feel this one?”

“Yes Mama - na their headache.”

5: Minimum Effective Tax Rate - Multinationals, Welcome to Nigeria

Here’s where Mama got confused.

She asked:

“All these oyinbo companies wey dey make billions, dem dey pay tax so?”

I told her:

“From now on, if a company belongs to a multinational group turning over more than €750 million… or even a Nigerian company turning over more than ₦50 billion, they must pay at least 15% minimum effective tax.”

Meaning:
If they try to dodge tax using loopholes in different countries, Nigeria will still calculate their global tax and ask them to pay the difference.

Mama smiled:

“Finally government dey chase who suppose pay tax”

Free Zones on export still have exemptions, but only if they’re not part of multinationals.

[Iking Ferry @ikingferry]

My brother, let me explain this thing in a way that even Mama Ngozi that sells Tomatoes in the Village will hear it and nod her head.

First of all…
CHN number (Clearing House Number) is like your NIN for the Nigerian Stock Market.

Every investor is supposed to have only ONE CHN, no matter how many stockbrokers or investment apps you open.

So normally, if you open Bamboo, Trove, Chaka, Afrinvest, InvestNaija, etc…

All of them are supposed to pull the same CHN for you, because CHN belongs to YOU… not to the broker.

But let me tell you the small “real-life wahala” behind the scenes, so you understand what is happening with your InvestNaija.

Some years ago, a friend of mine, let’s call him Mr. Daniel, opened Four stock accounts with different brokers.

The first three brokers pulled the same CHN.
But the last broker generated a new CHN for him.

Why?
Because instead of checking the CSCS database to see if Daniel already had an existing CHN, the broker simply registered a fresh one.

Now guess what happened later?

When Daniel bought stocks from broker A, he couldn't see it on broker C.

When he sold something on broker B, it didn’t reflect on broker C.
Everything was scattered.

It was like having two different bank BVNs for the same person.
Total confusion.

BACK TO YOU…

Let me tell you the truth:
No matter what any broker tells you, CSCS DOES NOT give you two CHN numbers as one person.

What happened is that InvestNaija registered a new CHN instead of syncing your old one.

It happens…
Not because they are bad,
But because the system in Nigeria is still half manual, half digital.
(Yes, it’s 2025… and we are still dragging modernization.)

SO WHAT SHOULD YOU DO?

Simple:

Tell InvestNaija you already have an existing CHN and you want them to MERGE your account to that CHN.

In fact, let me send you the exact words to send them.

Use this exact sentence:

“I already have an existing CHN with CSCS. I want my InvestNaija account mapped to my existing CHN instead of a new one.”

They will ask for:

Your old CHN
Your full name
Your BVN
Sometimes a means of ID
Possibly a CSCS statement from Bamboo or Afrinvest

Once they confirm it, they will merge everything to your original CHN, and all your stock holdings across apps will sit under one identity.

WHY IS THIS IMPORTANT?

Because having multiple CHNs:

Scatters your portfolio
Makes tracking dividends harder
Can delay corporate actions
Can cause double identity issues
Makes cross-broker transfers painful
Can create repurchase confusion when NSITF, UTC, FOI, etc start automation

Always protect your CHN like you protect your BVN.
Because that is the only proof that you truly own your investments on the Nigerian stock market.

And thank you for asking this question…
You just solved a problem for hundreds of beginners who don’t even know that CSCS, CHN, brokers and stock apps can confuse their destiny if they don’t ask questions.

We must decode this financial wahala in a way that even Grandma in the village will understand better than many people in the city

I am Iking Ferry,
Your Financial Literacy Advocate
Founder, Pulseford Business School
On a Mission to build 1million Financially FREE Nigerians

[Iking Ferry @ikingferry]

Over 85% of you said I should focus on TAXATION.
And after reading this particular comment
I knew the message was loud and clear.

“We Nigerians know little about tax…
With the new tax reform coming in January 2026, many small business owners will suffer confusion, frustration and mistakes…
Government didn’t orient us…
Please talk more about taxation so we don’t fall into problems.”

When I saw this, I understood one thing:

Nigerians are not afraid of tax…
We are afraid of what we don’t understand.

So here’s my decision:

From today, 80% of my posts will be about TAXATION.

The remaining 20% will be on INVESTMENT, INSURANCE & TRUST.

Why?

Because the new tax regime starting January 1, 2026 will affect:

— Business owners
— Freelancers
— Salary earners
— Online vendors
— POS agents
— SMEs
— Content creators
— Even those doing “side hustle” quietly

And nobody is explaining it well.
No clarity.
No guidance.
No orientation.
Just confusion everywhere.

But not on my page.

From now on, I will break down TAX in a way that even Grandma in the village will understand better than many people in the city.

No English.
No grammar.
Just clear, practical explanations.

What to pay.
When to pay.
How not to overpay.
How to avoid penalties.
How to structure your business.
How to benefit from the system instead of suffering from it.

I’m doing this because information is protection.
And 2026 will favour only those who understand the new rules.

Let’s build financially smart Nigerians, one post at a time.

I am Iking Ferry
Your Financial Literacy Advocate
Founder, Pulseford Business School
Building 1 Million Financially Free Nigerians through Knowledge.

[Iking Ferry @ikingferry]

If you’ve been online in the last 24 hours, you must have seen that trending video
FCT Minister Nyesom Wike having a heated clash with some Nigerian soldiers over a land property in Abuja.

Now, most people are just laughing and dropping memes…

But if you truly understand money, you should be thinking deeply.
Because that single incident yesterday explains why banks in Nigeria no longer accept land or buildings as collateral, and why so many businesses are quietly dying.

As your Financial Literacy Advocate, let me break it down in plain language

Imagine:
Mama Ngozi owns a piece of land in Abuja.
She built a nice plaza on it and has tenants paying her rent every month.

One day, she goes to the bank to get a ₦200 million loan to expand her business.
She submits her land documents as collateral.

The bank officer smiles and says:

“Madam, we can’t take this land o… what if government revokes it tomorrow?”

Mama Ngozi laughs, “Ah! How can government revoke my land when I have C of O?”

But just yesterday, we all saw what happened.
The FCT Minister drove down to revoke a land, and soldiers stood their ground to defend it.
Both parties claimed “ownership”.

Now imagine if that same land was already used as collateral in a bank…

Tomorrow, the government can wake up and say this land belongs to them or to the military, or it was wrongly allocated, or it’s under revocation.

The moment that happens, that land becomes a worthless paper.

And guess what?
The bank loses.
The business owner loses.
The economy loses.

That’s exactly why most Nigerian banks have stopped accepting landed properties as collateral, especially in Abuja and Lagos.
The risk is simply too high.

Sit down, let me Mentor you on the Implication You’re Not Seeing

Every time a government revokes land, cancels allocations, or disputes ownership, it quietly destroys:

Business confidence

Access to credit for entrepreneurs

Investor trust in real estate

When land ownership is unstable, the economy loses its foundation.

Because land is supposed to be the strongest form of collateral, but in Nigeria today, it has become the weakest.

Now that you get it....

As your Financial Literacy Advocate, it's my duty, to educate you on What Smart Investors Are Doing Now

Rich people don’t wait for the system to frustrate them, they adapt.

Instead of using land as collateral, they are now using financial instruments like:

Government Bonds
Treasury Bills
Eurobonds
Commercial Papers
Mutual Funds and Equities

These assets are recognized globally.
Their ownership can’t be revoked by any government minister or soldier.

And when you walk into a bank with ₦100 million worth of Federal Government Bonds, the bank manager will stand up to shake your hand, because your bond is a risk-free asset.

Land is visible wealth,
but financial instruments are transferable power.

The poor still measure wealth by “how many plots” they own,
but the rich measure wealth by what they can liquidate in seconds, not what they must fight the government to defend.

So next time you see Wike and a soldier fighting over land, don’t just scroll past and laugh.

Look deeper.
Because that video is not just politics, it’s a reflection of the fragility of our collateral system.

And that, my friend, is why financial literacy is no longer optional.

In a country where government can revoke land overnight,
the smartest collateral you can hold is trust-backed, government-guaranteed assets, not land certificates.

The rich already understand this.
The question is, will you learn before it’s too late?

My name is Iking Ferry, a Financial Literacy Advocate, on a mission to build 1million Financially FREE Nigerians with the right knowledge.

[Iking Ferry @ikingferry]

Why?
Because liquidity is king.
When panic sellers start rushing, you’ll have cash to buy what they’re dumping cheap.

4: Don’t Follow Panic.
Fear makes poor people poorer.
Wisdom makes prepared people richer.
When the crowd is running, pause and ask “where are they running to?”

5: Think Long-Term.
Storms come and go.
Strong nations and smart investors always recover.
The question is, will you still be standing when the dust settles?

If Trump truly goes ahead with sanctions or military pressure,
our markets will shake,
the naira will cry,
and only those with financial wisdom will sleep well at night.

But remember this truth:

Storms don’t last forever.
But those who prepare during storms become landlords when the sun shines again.

So don’t just watch the news and shake your head.
Study the news, and adjust your plan.

Rich people read the news with a calculator.
Poor people read the same news with fear.

Which one are you?

My Name is Iking Ferry, a Financial Literacy Advocate, and your favorite Street Accountant that explains money and investment in a language that everybody in the village will understand.

Building a ₦1 Billion Company from Zero Capital, and helping you build yours too with wisdom.
Follow my Journey on Facebook using #fromzerotobillionbyikingferry

[Iking Ferry @ikingferry]

When Donald Trump Sneezes, Nigeria’s Investors Catch Cold

Few days ago, Donald Trump shook the Internet again.
He said Nigeria is now on America’s watch list, and warned that if things don’t change, the U.S. could cut off aid, stop assistance, and even take military action.

Now, to the ordinary person, this may sound like just another “foreign wahala.”

But let me tell you a small story that will help you understand what this means for your pocket and your investment.

Mama Ngozi sells frozen fish in the market.
She doesn’t know anything about Trump or Tinubu - all she knows is,

“If my freezer has light, my fish will sell.”

But one morning, she woke up and saw that the price of fuel had gone up again.

The man that sells ice increased his price.
The people that bring fish from Lagos increased transport.
Before she knew it, her profit dropped by half.

What happened?
A problem that started from the “top” found its way to her “bottom line.”

That’s exactly how this Trump–Tinubu matter can affect you, whether you sell fish, trade stocks, or buy treasury bills.

Hmmm...

But don't worry, As Your Financial Literacy Advocate, Let Me Break It Down steps by Step.

Before I start:
Oya sit down, let’s talk like family.

As a smart investor, always remember this:
Pay attention to history, not headlines.

Here’s what may likely happen if the U.S. and Nigeria enter real tension

1: Foreign Investors May Run
When big investors hear “U.S. military threat,” they smell risk.
And what do smart investors do when they smell risk?
They pack their bags and fly to safety.

When they go, foreign currency inflow drops.
Naira weakens.
Stock prices fall.

That’s why you’ll see headlines like “NSE drops as foreign investors exit.”
It’s not magic - it’s fear.

2: Inflation Can Rise
Once dollar becomes scarce, importers start crying.
Prices of bread, rice, cement, fuel - all go up.

And when prices go up, your ₦1,000 buys less.
That’s how inflation eats silently like a termite.

3: Interest Rates May Rise
To protect the naira, the government may raise interest rates.
That means Treasury Bills and Money Market Funds might start paying more.

But here’s the flip side
Those holding old bonds will lose value because newer ones will pay higher interest.

That’s how the rich always say:

“High interest is good only when you’re not the one owing.”

4: Businesses May Slow Down
When foreign support reduces and costs rise, many import-based businesses will struggle.
Some may even downsize.

That’s why the wise investor always asks:

“Is this company earning in dollars or spending in dollars?”

Because when the naira shakes, dollar-based companies smile.

But Don’t Panic. Every Storm Has Two Sides
I know your mind

I know say... your mind be don go up ooooh 😂

Oya, Cam down....
Let me tell you the Hidden Opportunity the rich see (that you’ll never hear on the news).

When the rich hear bad news, they don’t shout, “We are finished”
They whisper, “Where’s the discount?”

While poor people sell their shares out of fear,
the rich quietly buy those same shares cheaper.

When others are crying about inflation,
the rich are investing in businesses that benefit from rising prices
like agriculture, manufacturing, and export.

That’s why I always say:

“When you see a storm, don’t just run - study the wind.”

Because that’s how eagles fly higher,
on the same storm that scares chickens.

Let me tell you What You Should Do as an Investor

1: Check Your Money.
Know where every kobo is, stocks, treasury bills, business, real estate.
Confusion is not a financial plan.

2: Diversify Wisely.
Don’t put all your eggs in one basket.
Mix it up, stocks for growth, fixed income for safety, small foreign exposure for balance.
Because when one market shakes, another one stands.

3: Build a Cash Reserve.
Keep at least 3–6 months of expenses somewhere liquid, like a Money Market Fund.

[Iking Ferry @ikingferry]

@aluko_bolade You can invest via any SEC licensed Stock Brokers.
Search for NIDF

[Iking Ferry @ikingferry]

Some of you will be like:

“Abeg, which one is PPP again? I hope no be another MMM scam?”

Relax. Oya sit down, let me explain like I’m talking to my guy at a beer parlour in Surulere.

Yesterday, I told you that in Nigeria we have more than 300 SEC-regulated investment opportunities.
But many of you only know two: Stock Market and Treasury Bills.

Why?
Because the rich pay expert financial advisors to show them the secret doors.

You?
You only hear about “buy shares” or “put money in fixed deposit.”

Since you don’t have ₦5m to pay those big-time advisors, I’m here as your Financial Literacy Advocate to reveal them to you one by one.

And like I always promise, I will never recommend anything that is not SEC-licensed.

And I will never sugarcoat investment opportunities, I will tell you both the good side and the bad side of the market.

So, let’s start with one powerful opportunity…

That Same Toll Gate You Pay ₦200 Every Morning Can Pay You Back

Think about it:

Every time you drop ₦200 at Lekki Toll Gate…

Every time the Lagos–Ibadan train carries passengers…

Every time ships enter Lekki Deep Sea Port…

Every time Azura Power Plant sends electricity to the grid…

Somebody somewhere is cashing out steady.

And it’s not only Dangote or Otedola. Ordinary Nigerians like you can now chop from that same pie.

Sound good right?.

So, What Is PPP?

PPP means Public–Private Partnership.

In a Simple English:
Government + Private Company = They join hands to build big projects like roads, power plants, airports, seaports.

Government brings land and regulations.

Private companies bring money and expertise.

They run the project, collect tolls, tariffs, or charges.

That’s why:
Lekki Toll = PPP
Lagos-Ibadan Railway = PPP
Airport Terminals = PPP
Lekki Deep Sea Port = PPP

These projects generate money. And investors share in the returns.

Before now, only billionaires and institutional investors could invest. Ordinary Nigerians? Forget it.

But things don change.
Now, there’s something called NIDF (Nigeria Infrastructure Debt Fund), created by Chapel Hill Denham, one of the Nigeria largest Fund Managers.

Here’s how it works:

NIDF gives loans to these PPP projects.

Projects pay back with interest.

The fund shares that profit with investors every quarter.

For example: In Q4 2024, they paid ₦5.50 per unit. Real cash. Not promise and fail.

Now, let me tell you the Sweet Part

Steady payout: Every quarter, like clockwork.

Beats Treasury Bills: Safer returns than leaving money to die in bank.

Less drama than stocks: Not jumping up and down like equity funds.

You own a piece of Nigeria’s infrastructure: Instead of only complaining about toll roads, you’re profiting from them.

But wait ooh

Here's the Bitter part that nobody will tell you.

This is a long-term game.

If you want sharp sharp money, go and play bet9ja. This one is for patient people.

Projects can underperform:
Government wahala, low traffic, or economic problems may delay payments.

Your money is not liquid like bank savings. You can sell your units, yes, but don’t expect daily withdrawal like POS.

Now let's Compares PPP to Other Investments

Equity Mutual Funds: Can give 40–60% in one good year, but can also chop your money in half if market crashes.

Treasury Bills: Very safe, but returns are so low these days they can’t even buy you suya with onions.

Bonds: Solid, banks respect them as collateral, but you tie your money down for long.

NIDF sits in the middle.

Not too boring like T-bills, not too crazy like stocks. Steady.

How To get Started as a Beginner (Simple Guide)

1. Download InvestNaija app (Chapel Hill Denham).

2. Open a tradeIN account (like opening a bank account).

3. Search for NIDF on the Nigerian Exchange.

4. Start with as little as ₦5,000.

5. Sit back, and wait for quarterly payouts.

That’s it. No jazz, no yahoo, no long story.

Listen my people, the rich play this game differently: