Imagine you started investing years ago with one broker…

Now they’ve gone quiet. No updates. No app. No customer care.

You’ve emailed, prayed, and fasted. Still nothing.

Good news: You can transfer your shares to a better broker and it’s 100% legal 🧵 Step one: Reach out to your preferred broker.

Send a simple mail saying, “I’d like to transfer my stock portfolio from my current broker to you.”
No long story.

They’ll reply with their transfer policy, some might need your portfolio to be worth at least ₦1 million. (Class😂)

Let’s be honest, most people don’t want financial freedom.

They just want to stop begging for “urgent ₦2K.” 😭

But money has levels and every level demands a new version of you.

If you skip one, life will humble you back to Stage 1.🧵 Dependent – “Mummy please, send ₦50K.”

This is the default setting for most people.

You survive on someone else’s sweat- parents, partner, friends, or debt.

You’re not broke because village people are chasing you.

You’re broke because you haven’t started owning your story.

“₦5 million in 20 years? Abeg shift.”

That’s what most Nigerians say until life happens.

Truth is, everyone wants to blow, but nobody wants to plant money seeds that take time to grow.

If you ever doubt small beginnings, read this thread & your future self will thank you.🧵 Let’s be honest, ₦5,000 monthly feels useless.

But guess what? That’s just one less shawarma date or data plan.

If you invest ₦5k monthly at 10% return, in 20 years, you’ll have ₦3.4 million.

Add ₦2k more and it jumps to ₦4.7M+.

The math no dey lie.
Compound interest>>>

So government just dropped new tax gist:

Sell your shares → run to bonds → 25% tax on your profit.

Sell your shares → buy another company’s shares → zero tax.

In short: “If you like, keep running to safety. We dey wait.” 🤨🧵 If you collect profit from stocks & carry it to T-Bills or bonds, government go collect 25% first.

But if you just move the money into another stock, dem go leave you.

Your family WhatsApp group doesn’t have to be only aso ebi contributions, gossip & memes.

It can be the launchpad for generational wealth.

If you’re tired of being the only one “doing well,” this is how to build a Family Investment Club that actually works in Nigeria 🧵 In 2015, the Okonkwo family in Enugu tried something different.

Instead of just spraying money at weddings, they started a monthly contribution of ₦15k each. 8 siblings…

Now,
They own rental property in Nsukka
Hold ₦15m in dividend stocks
Paid for 2 nephews’ tuition abroad

There’s over ₦190 BILLION in unclaimed dividends.

Your dad kept that dusty share certificate in his briefcase like it was gold.

Years later, you find it, realise it’s as useful as NEPA bill from 2002 if you don’t dematerialize it.

Here’s how to turn that paper to real money👇 Think of dematerialization like upgrading from Nokia torchlight to iPhone.

That paper certificate in your drawer?

Nobody will collect it at the stock market gate.

You need to move it into CSCS (the bank of shares in Nigeria).

Everybody wan invest like Elon Musk.
But truth be told… most Nigerians no even get “Elon electricity.”

You don’t need 20 stocks to start.

You just need one solid ETF that fits YOUR goals. Let me explain 👇🏾 ETF = Exchange Traded Fund.

Think of it like buying a whole basket of foodstuff in Mile 12 instead of buying tomatoes, pepper, onions one by one.

One click → you own a mini-portfolio. Simple.

Being broke in Naija is not always because “I don’t earn enough.”

Truth is, even if many people earned ×2 their salary, they’d STILL be broke.

Why? Silent leaks draining their pockets daily.

Let’s talk: 10 ways Nigerians waste money without knowing it and how to stop🧵 Bank Charges

Those ₦50/₦100 deductions feel harmless… until you realize you’ve dashed banks over ₦160k a year.

That’s 2 bags of Mango rice gone.

👉🏾 Use fintechs with lower fees.
👉🏾 Withdraw in bulk, not per ₦2k.

Let’s be honest…
The Nigerian stock market sounds scary.

All the grammar: bull market, equities, dividends… meanwhile you just want your money to grow and not vanish.

But here’s the truth: you don’t need millions to invest. You can start with ₦10k. 🧵👇 So here’s my advice:

Start with what you have. ₦10k. ₦20k. ₦50k.

Pick solid companies.

Reinvest your dividends.

Stay consistent.

One day, you’ll look back & thank yourself for not sitting on the sidelines.

How to pick the best Nigerian stocks even as a beginner.

If you’ve ever bought a stock and felt confused, this thread is for you.

Let me show you how people like Uche in Port Harcourt turned a ₦350k portfolio into ₦16m
by following a simple checklist.

A thread👇🧵 1. Start with the business, not the buzz.

Uche didn’t chase Twitter hype.
She asked: “Is this company making real money?”

Look at the revenue and profit. Are they growing? Is the business needed in Nigeria?

That’s your first filter.