PrymeCARE

Advocate for Financial Literacy • Dm to grow your business.
💌 : [email protected]

[PrymeCARE @PrymeCARE_S]

FINANCIAL MOVES FOR THE NEW MONTH

Managing your money in May requires a mix of discipline and strategy.
This 10-Step Blueprint would help your scale through the month and increase your finances aggressively✅

[Wealthese @Wealth_ese1]

NGX closes higher again third straight day above 250,000

Wednesday, September 23, 2026: the Nigerian Exchange
extended its winning streak, closing at a fresh high
for the third session in a row.

The numbers
→ All Share Index: 251,191.02 points, up 576.36 points (+0.23%)
→ Market cap: ₦163.06 trillion, up ₦374.14 billion on the day
→ Volume: 1.59 billion shares traded, worth ₦45.80 billion, across 49,736 deals
→ Breadth: 46 stocks advanced, 23 declined, 77 closed
unchanged gains outpaced losses roughly 2-to-1

Top gainers
→ Eterna: +10.00% to ₦38.50
→ Thomas Wyatt Nigeria: +9.88% to ₦2.78
→ Consolidated Hallmark Insurance (CMFC): +9.76% to
��2.70

Top losers
→ Caverton: -9.09% to ₦4.00
→ UPDC Real Estate Investment Trust (UPL): -9.00% to
₦4.55
→ Wapic Insurance: -6.30% to ₦2.23

Most active
→ By volume: FTN Insurance, Fidelity Bank, GTCO
→ By value: GTCO, Zenith Bank, Fidelity Bank
(GTCO showing up on both lists again same pattern we saw Tuesday)

Context
→ Naira/dollar (CBN rate): ₦1,327.28, down 0.15%
→ Inflation (year-on-year): 15.39%
→ Monetary Policy Rate: 23%

Sector moves were broad based today Agriculture (+2.4%), Oil & Gas (+1.7%), Healthcare (+1.5%),
Industrial (+1.0%) and Banking (+0.7%) all closed green.

Three sessions in a row above 250,000 for the ASI now.

Not financial advice. Do your own research.

[Adeife @IfeKrawn]

Just got my first YouTube payout 🎉

Brothers and sisters, I can confirm the tech is good

Started a YouTube channel in May base on the knowledge I was able to gather online as I was too broke to afford a paid mentorship and for 2months, I was just stagnant cause even tho I was doing everything right to the best of my knowledge the channel was just not growing until I met @AmyOsua

She put me on her niche, even went as far as paying for my tools and so the journey started, days I cried to her dm and all she will send me is this drunken monkey stickers 🤣 and this emoji🥹…she’s such a sweet soul

Monetized the channel in 5weeks (was rejected at first but @im_nuel1 came through for me and I was accepted). i opened another channel and monetized that in 3weeks, definitely not because I hacked YouTube algorithm or know much about it as I will only attribute it to Luck

And today, i received my first payout from the channel I started in August🥹

- What Niche are you doing? It AI Music
- Do you teach? No I don’t as this particular niche is very risky and I will consider myself lucky that I still have the channel up and I’m able to earn money from it…the removal is inevitable, I just pray it stays a little bit longer and if it doesn’t 🤷🏾‍♀️ I won’t beat myself up for me

My next plan is looking out for a solid niche I can venture into with more assurance than this one so literally we’re all just novice atp🌝

Willing to connect more with other YouTubers 🫶🏾 Amy and Nuel can confirm I’m a good friend once in awhile 🤣

[Reads with Ravi @readswithravi]

“Spend your money on the things money can buy. Spend your time on the things money can't buy.”

— Haruki Murakami

[Nic Munoz @nic_munoz]

Henry Ford said that all success and wealth first starts in your mind:

"You must never, even for a second, let yourself think that you can fail. Our first principle is that failure is impossible. If you shut out of your mind the possibility of being licked, then you are bound to win."

"One who fears the future, who fears failure, limits his activities. Failure is only the opportunity more intelligently to begin again. There is no disgrace in honest failure; there is disgrace in fearing to fail."

"Thinking is the hardest work any one can do, which is probably the reason why we have so few thinkers."

"If money is your hope for independence you will never have it. The only real security that a man will have in this world is a reserve of knowledge, experience, and ability."

[​𝐥𝐲𝐫𝐚 @sunnkssdseraph]

Nature never punishes the evil. Nature punishes the weak because nature does not know morality, nature doesn't know what is right and what is wrong. And storms never choose victim based on morality. It punishes the weakness, not weakness of character, but weakness to adapt, to evolve, to endure it. Reality rewards resilience. Resilience that can we survive the condition which we have, can we survive the circumstances which are given to us, the person who is resilient enough, the person who is aware enough can actually move through their challenges. That is why nature rewards strength and nature will keep on punishing the weak unless and until that weak become strong. Because that is the only way of evolution. That is the only way of growing.

[Wealthese @Wealth_ese1]

Here are 3 key tax rules individual investors in Nigeria need to know right now:

1. Sovereign Debt: Bonds vs. Treasury Bills

Under the Personal Income Tax Act (PITA), interest earned by individuals on Federal Government debt such as FGN Bonds, FGN Savings Bonds, and FGN Sukuk is 100% exempt from Personal Income Tax (PIT).

Important note: Treasury Bills and Commercial Papers lost their 10-year tax exempt status in January 2022 and are now taxable. For true tax free yield, long term FGN sovereign instruments are the way to go.

2. Stock Market Retail Exemptions
Under current tax rules, individual stock investors receive generous retail protection on the Nigerian Exchange (NGX).

If your total annual share sale proceeds stay under ₦150 Million OR your total net capital gains remain below ₦10 Million over a 12 month period, your equity gains are exempt from Capital Gains Tax.

3. Reinvestment Relief & Voluntary Pension Deductions

• Reinvestment Relief: If you sell shares in a company and reinvest the proceeds back into local equities within the same tax year, that portion of your gain is fully exempt from tax.

• Voluntary Pension Contributions (RSA): Under the Pension Reform Act, voluntary contributions made into your Retirement Savings Account act as a direct tax deduction from your gross income, instantly reducing your current Personal Income Tax liability.

Educational content, not formal tax or financial advice.

[Toby @TomolaGroup]

If you’ve seen what poverty has done to people at their lowest, you should think twice about how you spend your money.

Getting money doesn’t mean it will keep coming forever. Learn to invest, diversify properly and stack up assets.

Give compounding time. Don’t waste your chances thinking things will always be this good!

[Fe Lix | Marketing & Monetization @Wealth_Tactics_]

Capcut is 3k
Tiktok is 5k.
Express and Pia log is 4/5k
YouTube is free
Create US Facebook
Pinterest is free
Glitchy is free
Google website is free
Domain is 2100/17,000

You either start under a mentorship or start with the free tools and knowledge on YouTube.

[Wealthese @Wealth_ese1]

NGX closes at an all-time high

Tuesday, September 22, 2026, the Nigerian Exchange posted its strongest close yet.

The numbers

All Share Index: 250,614.66 points, up 0.18 percent, a fresh all time peak.

Market cap: 162.68 trillion naira, up 297.21 billion naira on the day.

Volume: 837.2 million shares traded across 52,054 deals.

Breadth: 36 stocks up, 26 down. Gains were broad, not just a few heavyweights carrying the index.

What drove it

Banks did the heavy lifting. The NGX Banking Index jumped 2.50 percent on the day.

Powered by heavy turnover in Fidelity Bank, Zenith Bank, Access Holdings, Sterling Financial, and GTCO.

Combined, financial names generated over 600 million of the day's 837 million shares traded.

[Toby @TomolaGroup]

One distinction from The Psychology of Money I have never forgotten:

Making money and keeping money are two different skills. The first needs optimism and risk. The second needs almost the opposite. Plenty of people are excellent at the first and have nothing to show for it.

[Gilbert @ReflectiveGils]

Learn how to talk.

Not just how to speak, but how to communicate. Know when to be honest, when to listen and when your words need more patience than emotion.

The right words can solve problems, build trust, and strengthen relationships.

Learn how to communicate. It can change your entire life.

[Hadiza Bello @HadizaB85863870]

Keep an eye on these halal stocks in the FTSE Russell Nigerian index

Dangote Cement, Aradel, MTN, Presco, Okomu, NAHCO, Fidson Healthcare & Vitafoam Nigeria.

Frontier-index flows could be moving fast. If you’re holding, stay alert and watch the flows.

[Wealthese @Wealth_ese1]

Dollar growth without stock picking gambles

VOO vs VTI: the two cornerstone US ETFs

Broad market US ETFs let you own dollar denominated growth without betting on individual stocks. The two
heavyweights salary earners worldwide use: VOO and VTI.

VOO vs VTI quick compare

Market coverage
VOO: top ~500 large cap US firms (S&P 500)
VTI: ~3,500+ stocks large, mid & small cap

Expense ratio
VOO: 0.03%
VTI: 0.03%
Both ultra low cost

Core holdings
VOO: Apple, Microsoft, Nvidia (large cap giants)
VTI: the entire US business economy

Primary objective
VOO: own the large cap winners
VTI: own the complete US market

Historical return
Both: ~10% avg annualized long term (since 1957).
Recent 10 year returns have run higher for both
check current data before assuming this rate holds.

Why every salary earner needs broad US index exposure

1. You can't beat the index long term
SPIVA data shows roughly 80-90% of professional active fund managers underperform the S&P 500 over a 10year period, depending on the year measured. Don't waste time picking individual tech stocks when you can own the entire index.

2. Protecting purchasing power
Holding broad US ETFs gives you dollar denominated asset growth, shielding your wealth against local
currency devaluation.

3. The low expense advantage
At a 0.03% expense ratio, you keep 99.97% of your growth. On $10,000 invested, that's about $3/year in
fees.

How to buy
Open a SEC compliant US stockbroking app

Set up an automated monthly Dollar Cost Averaging (DCA) buy order on payday

Hold for 5-10+ years

Action step
If you had to pick one for your dollar portfolio top 500 companies (VOO) or the entire total US market (VTI)?

Not financial advice. Do your own research.

[Toby @TomolaGroup]

₦10m in Vitafoam entering 2025 would have been worth ₦40m by year-end.

The same ₦10m in MTN Nigeria would have been worth ₦25.55m.

A mattress maker and a telecom company. You don’t have to look far to find businesses worth researching.

Based on share prices, excluding dividends and costs. Past returns aren’t promises.

You can start investing in the Nigerian stock market with @ZedcrestWealth

[Pubity @pubity]

Housing prices in China have fallen to their lowest point in 21 years.

The government purposely chipped away at real estate gains to make people be able to afford a house to live.

[Wealthese @Wealth_ese1]

Emeka is a "Big Boy."
Or at least, he likes to look like one.

Every day, he's waiting for one massive contract.
"My guy in the Ministry is about to sign it."

Meanwhile, he's on Twitter. Begging for "Urgent 2k" for subscription.

Then there's Chioma.
No big grammar. She took her last ₦15,000 and bought 3 crates of eggs.
Started supplying one provisions store on her street.

Emeka laughed. "Chioma, with all your degree, you're hawking eggs?"
She didn't answer.

Week 1 profit: ₦2,000. She bought half a crate more.
Month 3: supplying 5 kiosks.
Month 12: bought a deep freezer. Started selling frozen poultry.
Year 3: owns a distribution van. Supplies major supermarkets in Ikeja.

Emeka is still waiting.
The guy in the Ministry got transferred last month.

The bitter truth:
A small business compounding daily will always beat a massive dream standing still.

Are you waiting for a giant miracle?
Or multiplying the small thing in your hand today?

[Wealthese @Wealth_ese1]

Is a ₦10 stock cheaper than a ₦1,000 stock? Not necessarily.

Market Cap = Share Price × Shares Outstanding.

Large Cap: NGX giants. Airtel Africa (~₦23trn), Dangote Cement (~₦17trn), MTN Nigeria (~₦17trn), BUA Foods (~₦14-15trn). Steady earnings, heavy institutional interest, lower volatility.

Mid Cap: Roughly ₦1trn to ₦5trn. Room to grow, more stability than small caps. Often the sweet spot.

Small Cap: The lesser known names. Higher risk, thin volume, wider spreads. Some become multi baggers. Many go nowhere or get delisted.

Bottom line: a handful of megacaps dominate NGX total value, and that concentration keeps growing. Unlike deeper markets, mid and small caps here carry less weight than you'd think.

Which Cap makes up most of your portfolio?

[Polymarket @Polymarket]

JUST IN: Turkish vibecoder hooks a fruit fly’s brain up to the Turkish Central Bank & lets it make interest rate decisions.

[gus @igus_ai]

🚨ACABA DE PASAR ALGO EXTREMADAMENTE MALO

Japón ha vendido $71.000 MILLONES en bonos del Tesoro de EE.UU. para defender el yen.

China ha vendido otros $62.000 MILLONES después del desplome de su mercado bursátil.

Eso son $133.000 MILLONES en bonos vendidos.

Ambos países han pulsado el botón del pánico.

Pero esa ni siquiera es la parte más preocupante.

Lo que viene después podría ser MUCHO peor.

Japón lleva tiempo vendiendo bonos del Tesoro de EE.UU. para apoyar al yen y tratar de evitar una crisis mucho mayor.

China, mientras tanto, está internacionalizando el yuan mediante ORO, nuevas infraestructuras de pago y alternativas al dólar estadounidense.

Y exactamente al mismo tiempo, ambos países están aumentando sus reservas de oro.

Eso no parece una coincidencia.

Japón está vendiendo activos denominados en dólares mientras mantiene todo su oro.

China lleva MÁS DE 20 MESES CONSECUTIVOS comprando oro.

La razón es sencilla.

Japón necesita defender el yen.

Para hacerlo, está utilizando sus enormes reservas internacionales para intervenir en el mercado.

Y los bonos del Tesoro estadounidense son uno de los principales activos que puede vender.

China tiene otro objetivo:

Conseguir una mayor independencia del dólar estadounidense.

En julio de 2026, el sistema de compensación de oro respaldado por el Gobierno de Hong Kong comenzó sus operaciones de prueba.

El sistema está conectado directamente con la Bolsa de Oro de Shanghái.

China está desarrollando una red global de bóvedas de oro diseñada para reforzar el papel del yuan dentro del sistema financiero mundial.

Y esto es solo una parte de la estrategia.

China también está desarrollando infraestructura de pagos basada en blockchain junto a países BRICS.

El objetivo está claro:

REDUCIR LA DEPENDENCIA DEL DÓLAR ESTADOUNIDENSE.

Y el ORO está en el centro de todo.

Ahora estamos viendo a dos de las mayores economías del mundo moverse en la misma dirección:

→ Japón vende bonos del Tesoro de EE.UU.
→ Japón aumenta sus reservas de oro

→ China vende bonos del Tesoro de EE.UU.
→ China aumenta sus reservas de oro

→ Más países reducen su exposición a bonos estadounidenses
→ Aumenta la exposición al oro
→ Las estrategias de reservas globales están cambiando

Esto ya no son ventas aisladas de bonos del Tesoro.

Es un cambio mucho mayor en la forma en la que las principales economías gestionan sus reservas.

Los países no están simplemente comprando y vendiendo.

Están MOVIENDO sus reservas.

Están cambiando DÓNDE las almacenan.

Están cambiando CÓMO liquidan sus transacciones.

Y están construyendo alternativas al actual sistema financiero basado en el dólar.

La reacción en cadena es cada vez más difícil de ignorar:

Más ventas de bonos → más presión sobre el mercado de deuda → más intervenciones monetarias → más acumulación de oro → menos dependencia del dólar → más sistemas de pago alternativos → una nueva estructura financiera

China no está simplemente comprando oro.

ESTÁ CONSTRUYENDO TODO UN SISTEMA FINANCIERO A SU ALREDEDOR.

Japón no está intentando provocar un crash.

Está intentando sostener el yen y evitar una crisis financiera mucho mayor.

Pero las medidas que está tomando tendrán consecuencias en los mercados globales.

La presión sobre el dólar estadounidense y el mercado de bonos podría seguir aumentando.

Así es como empiezan a cambiar los grandes sistemas financieros.

No ocurre de la noche a la mañana.

Primero sucede poco a poco.

Y después, de repente.

El sistema global de reservas está cambiando delante de nuestros ojos.

Llevo más de 10 años siguiendo Bitcoin y los mercados.

Y os estoy avisando ahora.

Si quieres estar preparado para lo que pueda venir durante el ciclo 2026-2027, sígueme y activa las notificaciones.

Puede que dentro de unos meses muchos deseen haber empezado a prestar atención antes.

[ProfitableMan @ProfitableMan1]

HALAL STOCKS ON THE NGX, THE ACTUAL SCREENED LIST

These are the constituents of the NGX Lotus Islamic Index, screened by Lotus Capital's Shari'ah Advisory Board:

1. Dangote Cement
2. BUA Cement
3. BUA Foods
4. MTN Nigeria
5. Jaiz Bank
6. Lafarge Africa
7. Nigerian Aviation Handling Company (NAHCO)
8. Nascon Allied Industries
9. Okomu Oil Palm
10. Presco
11. Aradel Holdings
12. CAP Plc

All of these are available to trade on @hisanigeria.

Not financial advice. Do your own research.