Kipit

Build wealth, deliberately.
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SEC-licensed Fund/Portfolio Manager

[Kipit @mykipit]

@DearS_o_n Sometimes the money you’re looking for is waiting on the other side of one more attempt.

And when it comes, don’t let all of it disappear into the next round of expenses. Keep some working through investments that can earn returns over time.

[Kipit @mykipit]

@trench1000x Lagos can teach you how to chase money. The smarter lesson is learning what to do with it when it finally comes.

Making money feels good. Building something that keeps working after payday feels even better.

#LagosLife

[Kipit @mykipit]

Lagos can finish your salary before you even remember you got paid. 😂

At least let part of it sit somewhere earning returns while you’re busy fighting traffic.

#LagosLife

[Kipit @mykipit]

You can spend years waiting for a great investment to compound, only to cash out early because you needed to feel like you had “won.”

That’s the painful part. Sometimes the urge to secure a quick gain gradually costs you the bigger opportunity sitting in front of you.

Investing takes more than finding good assets. It takes the patience to let a good decision run.

[Kipit @mykipit]

Sometimes being “okay” financially just means nobody has seen the numbers.

Someone can have a job, show up every day and keep up appearances while having almost nothing left after basic expenses. That’s probably why some financial struggles are so easy to underestimate. You’re seeing the person’s routine, not the pressure behind it.

[Kipit @mykipit]

Hard work can increase the size of your income. It doesn’t automatically change what that income can become.

The interesting part of wealth is what happens after you get paid: where the money goes, what it earns, what risks you take with it, and whether you keep repeating the process.

That’s where financial intelligence starts separating income from actual wealth.

[Kipit @mykipit]

You’re earning more money than you did last year.
Yet somehow, you still feel broke.
Your bank balance says you’re doing better.
Your expenses say otherwise.
Just imagine you were making ₦200,000 last year and now you’re making ₦250,000.
That’s a 25% increase.
But if food, transport, rent and other regular expenses have risen by more than 25%, your ₦250,000 can buy less than your ₦200,000 used to.
Many people do not even think about this.
More money does not automatically mean more purchasing power.
So when you review your finances, check three numbers:
Your balance: How much do I have?
Your return: How much did my money grow?
Your expenses: How much more does my normal life cost?
Your balance tells you the number in your account.
The other two tell you whether that number is actually keeping up.
What expense has hit your pocket the hardest this year?

[Kipit @mykipit]

A Treasury Bill can look attractive on paper and still be the wrong place for your money.

We often miss these three things:

1. The quoted rate is not the same as the cash you receive as “interest.”
Treasury Bills are generally bought at a discount and redeemed at face value. The difference is where the return comes from.

2. A longer tenor is not automatically better.
A higher annualised rate means little if you need the money before maturity. Your cash-flow needs should influence the tenor you choose.

3. Low risk does not mean instant access.
Treasury Bills have maturity dates. If the money is also your emergency fund, you may be forcing two very different jobs onto one investment.

The rate gets most of the attention. The price, tenor and timing deserve just as much.

Which of these do you see investors misunderstand most often?

#TreasuryBills #FinancialLiteracy #Investing

[Kipit @mykipit]

@maziNdu4Real Absolutely 💯

[Kipit @mykipit]

@Wealth_ese1 To our dear country

[Kipit @mykipit]

Naija, we celebrate you today! 🇳🇬💚

From the strength of our people to the hope we carry for a better tomorrow, there is so much to be proud of.

Wishing you a joyful, peaceful, and proudly Nigerian Independence Day. 🇳🇬

Happy Independence Day from all of us at Kipit! 💚

#IndependenceDay #Nigeria #October1st #Kipit

[Kipit @mykipit]

More income helps, but it does not automatically create financial progress.

If your money habits stay the same, a higher income can simply give you more money to mismanage. Spending with intention, saving consistently, and investing part of what you earn can gradually put your finances on a different path.

[Kipit @mykipit]

At what point can you honestly say you’re financially independent?

When you have enough savings to survive without income for a year?

When your investments generate income?

Or when you simply don’t have to depend on anyone financially?

What’s your definition?

[Kipit @mykipit]

@studiocb55news That separation is important

[Kipit @mykipit]

My colleague: Kelechi don lose 1.7 million today
Me : Nah lie
My colleague: My hand dey shake as I dey type

Me : How? Na bet?
My colleague: I wish na bet
Me: Remember that dollar investment Desmond told us about?

Me: That 40% in 2 months one?
My colleague: Yes. Kelechi put both rent + business money
Person 2: Nawao. He no ask anybody?

My colleague: Naira dey fall na, he con deh panic. According to him make I "protect" my money
Me: So he carry short-term money go put for long-term risk?
My colleague: ...yes

Me: See eh. Na 3 rules Kelechi break:
Me: 1. Never invest money you need in 3 months. 2. If you no understand am, no put big money. 3. Panic na the worst investment strategy.
My colleague: I don learn and Kelechi too understand better.

Me : Your 1.7m no disappear because dollar bad. Na because you carry fear take invest.
My colleague: Next time, keep emergency for MMF or Fixed Deposit wey you fit withdraw tomorrow. Then invest the rest with clear head.
My colleague: Save this chat. I no wan cry again.
_Follow @Kipit for more_

[Kipit @mykipit]

@Bolzy And your mind is telling you not to get involved

[Kipit @mykipit]

@emmany4040 It is

[Kipit @mykipit]

3 things most Nigerians get wrong about Fixed Deposit:

Your money isn't "locked" in the bank. It's pooled with other depositors and typically invested in money market securities like Treasury Bills.

That's why when T-Bill rates go up, banks suddenly offer you higher FD rates. When T-Bill rates drop, your FD offer drops too. They move together because it's the same underlying market.

Direct vs indirect is the real difference. Going direct means you access the market rate yourself. Going via FD means the bank accesses it for you and pays you a portion after costs and margin.

Neither is "bad" - it's about understanding where your money actually works.

[Kipit @mykipit]

@ContactWakiis More people should see this

[Kipit @mykipit]

@limelightmedis That’s the way