How to Know If a Dividend Is Sustainable

Many beginners get excited when they see a company paying a high dividend. But not every dividend is reliable. Some are paid once and disappear. Others are paid consistently for many years.

Knowing the difference helps you avoid disappointment. What a Dividend Really Is

A dividend is a portion of a company’s profit shared with shareholders. It is not guaranteed.

A company pays dividends only when it earns enough and decides to share part of that profit.

How to Own Dangote, MTN, and GTBank with Just N5,000

You want to build wealth in the stock market, but you are paralyzed by fear.

You worry about picking the wrong stock. You worry that the bank you choose might crash. You worry that you do not have millions to buy every top company.

Relax. You do not need to be a guru to win. You just need a basket.

Here is how smart investors buy the entire Nigerian economy with one click using the ETF strategy. The Fruit Basket Analogy

Buying a single stock like Dangote Cement is like going to the market to buy just oranges. If the oranges are bad that day, you go home hungry.

Buying an ETF is like buying a prepackaged fruit basket. Inside that basket, there are an orange, an apple, a pineapple, a mango, and a banana.

Buying an ETF is like buying a prepackaged fruit basket. Inside that basket, there are an orange, an apple, a pineapple, a mango, and a banana.

The Zero-Cost Guide to Getting Your TIN

If you want to open a corporate bank account, apply for a government loan, or simply stay compliant, you need a Tax Identification Number (TIN).

Many agents will ask you to pay between ₦5,000 and ₦15,000 for this service. Do not pay. It is officially free.

Here is the step-by-step guide to doing it yourself from your phone or laptop. Before you try to register, you must know this: you might already have a TIN.

The Joint Tax Board (JTB) has a system that automatically generates TINs for Nigerians who have a Bank Verification Number (BVN) or a National Identity Number (NIN).

You should verify this before starting a fresh application.

If you have N100,000 and want to invest without constantly checking your phone in panic, you need a boring strategy.

You need the market giants.

Here is exactly how to deploy your first N100,000 into a conservative portfolio that pays you back. When you are building your foundation, the goal isn't to find the next "lucky" stock. The goal is to avoid losing your money.

To do this, we stick to companies that have stood the test of time. We look for the heavyweights of the Nigerian economy.

They say the Nigerian economy is rigged against you. They say you need millions to start investing. They are lying.

I used to believe it too, until I found a way out.

Here is the truth about building wealth in Nigeria (that the banks won't tell you) First, who am I? I am Peter Oke—The Profitable Man, author of "The Naija Investor."

But before the book, I was just like you—watching inflation eat my salary. I realized the game isn't "rigged"; it's just coded in a language they don't teach in school.

I learned the language. Now, I’m teaching it.

How to Read a Company’s Financial Report Without Stress Beginners avoid financial reports because they look confusing at first glance. The truth is that you do not need to understand every figure.

There are only a few key areas that show whether a company is healthy or struggling. Once you know what to look for, the entire report becomes easier to understand.

These four areas are revenue, profit, debt, and cash flow.

How to Build a Beginner Stock Portfolio in Nigeria A stock portfolio is simply a group of companies you choose to invest in. Many beginners think they must buy many stocks to get started, but that is not true. The real goal is to own a few strong and reliable companies instead of chasing everything in the market.

How to Buy U.S. Stocks from Nigeria (and Why You Should)

No visa. No green card. Yet you can own part of Apple, Tesla, or Google right from Lagos.

Here’s how The U.S. stock market is the world’s largest wealth machine. Every time someone buys an iPhone, Apple shareholders profit. For each Tesla delivered and each Netflix subscription renewed, investors earn. That investor can be you.

How to Buy Your First Stock in Nigeria Many people hear about the stock market but do not know how to begin. Buying your first share in Nigeria is not difficult. You only need a phone, a valid ID, and a little patience.

How To Know If a Company Is Worth Investing In Many beginners rush to buy shares because they hear a company is rising or because others are buying. But investing without understanding the business is risky. This thread explains how to know if a company is worth investing in, using simple fundamentals you can check as a beginner.

With Just ₦15.20, You Can Own 10 Nigerian Banks at Once

Here’s something most people don’t know: with just ₦15.20, you can own a piece of 10 major Nigerian banks at the same time.

Let’s break it down. 1. The Concept You Need to Understand: ETF

An ETF, short for Exchange-Traded Fund, is a simple way to invest in a group of companies through a single purchase.

Instead of buying GTCO, Zenith, UBA, or Access individually, an ETF allows you to buy all of them at once, in one basket.

That means you don’t need to worry about which bank to choose; you automatically own small parts of each.

How to Build a ₦1 Million Beginner Investment Portfolio in Nigeria If you have ₦1 million today, how can you invest it wisely?

The goal is not just to chase profits but to build a balanced portfolio, one that grows steadily, protects capital, and matches your risk level.

Here’s how to structure it step-by-step.

If You Don’t Know the Difference Between Stocks, Mutual Funds, and ETFs, Read This Before You Invest.

Let’s break it down in the simplest possible way. What Are Stocks?

When you buy a stock, you’re buying a small piece (a share) of a company like Apple, Google, or Coca-Cola.

If the company performs well, your share value rises.
If it performs poorly, your value falls.

You can earn in two ways:

Capital gains: when stock prices go up.
Dividends: when companies share part of their profits.

Owning stocks means you’re a part-owner of the business.

The Best Financial Tips to Learn Early in Life (Ages 15–30) Learn to Save Before You Spend

Start saving as early as possible, even if it’s a small amount. This teaches discipline, helps you handle emergencies, and creates the habit of managing money wisely.

Over time, small savings grow into significant wealth.

The Beginner’s Guide to Asset Classes and Investment Vehicles You Must Know

If you want to grow your money in Nigeria or anywhere in the world, you must first understand where to put it.

Too many people are saving blindly or “investing” without direction. This thread will break it down in simple language so you can start making informed, confident decisions. What Are Asset Classes?

An asset class is a group of investments that share similar characteristics and respond in similar ways to market conditions.

Think of it like food groups. Fruits, proteins, and carbohydrates all serve different purposes for your body. In the same way, each asset class has its own strengths, weaknesses, and role in your financial growth.

How to Master & Buy Nigerian Stocks (With as Little as ₦1K)

Many young people think investing in Nigerian stocks is hard or expensive.

This thread breaks it all down simply. @Morris_Monye

https://twitter.com/Morris_Monye/status/1952633260481061171

Why Nigerian Stocks?

The Nigerian Exchange (NGX) is full of opportunity.

Many people have quietly built wealth from companies you see every day: banks, telecoms, FMCG, etc.

You don’t need millions to begin. You need the right information.

How to Buy U.S. Stocks From Your Room in Nigeria (With as Little as ₦5K)

A simple guide for beginners and 3 trusted apps to get started, requested by @Morris_Monye Let’s start with this truth: You don’t have to be rich or travel abroad to invest in the U.S. stock market.

From your small room in Lagos, Jos, or Enugu and Kaduna, you can own a piece of global companies like Apple, Google, or Tesla, legally and securely.

All you need is a smartphone, internet, and as little as ₦5,000.

6 Crypto ETFs You Can Buy With Just $10, ₦10K or €10 1. iShares Bitcoin Trust (IBIT)

This is a spot Bitcoin ETF. That means it holds actual Bitcoin.

If you want simple, direct exposure to Bitcoin’s price without owning Bitcoin yourself, IBIT is a great start.

It's also known for its low expense ratio, meaning fewer fees.

Most Nigerians Only Know 1… But There Are 9 Types of Mutual Funds You Should Understand Mutual funds are one of the easiest ways to invest in Nigeria.

But most people think it’s just one type. In reality, there are nine different types, and each serves a different financial goal.

Let’s break them down.

A Simple Guide to Starting Crypto in Nigeria. Even If You Only Have ₦5000

Many Nigerians want to invest in cryptocurrency but think it’s only for the rich or tech experts. Cryptocurrency is a form of digital money. It exists only online and is not controlled by any government, central bank, or physical system.

It is built on a technology called blockchain, a public record system that keeps track of every transaction.

Popular examples are Bitcoin, Ethereum, and Tether (USDT).

Unlike the currency, no one can print or inflate it. That is why many people see it as a more stable store of value.

5 Powerful Lessons from Unfair Advantage: The Power of Financial Education by Robert Kiyosaki 1. Delayed Gratification Is a Competitive Advantage

In a culture driven by consumerism and urgency, those who can delay gratification position themselves for long-term success.

Rather than chasing quick wins, the financially educated understand the value of compounding, whether in investing, learning, or decision-making.
Success belongs to those who prepare, not those who rush.