#  @Labzy_kid Steve_Addy Steve_Addy posts on X about money, nigeria, in the, investment the most. They currently have [---] followers and [---] posts still getting attention that total [-------] engagements in the last [--] hours. ### Engagements: [-------] [#](/creator/twitter::1689301391326474245/interactions)  - [--] Week [------] +351% - [--] Month [------] -40% - [--] Months [-------] +23,253% - [--] Year [-------] +46,807% ### Mentions: [--] [#](/creator/twitter::1689301391326474245/posts_active)  - [--] Month [--] -77% - [--] Months [---] +1,891% - [--] Year [---] +11,350% ### Followers: [---] [#](/creator/twitter::1689301391326474245/followers)  - [--] Week [---] +5.90% - [--] Month [---] +9.90% - [--] Months [---] +160% - [--] Year [---] +184% ### CreatorRank: [---------] [#](/creator/twitter::1689301391326474245/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) [countries](/list/countries) [technology brands](/list/technology-brands) [stocks](/list/stocks) [currencies](/list/currencies) [automotive brands](/list/automotive-brands) [cryptocurrencies](/list/cryptocurrencies) [travel destinations](/list/travel-destinations) [exchanges](/list/exchanges) [social networks](/list/social-networks) **Social topic influence** [money](/topic/money), [nigeria](/topic/nigeria) #2556, [in the](/topic/in-the), [investment](/topic/investment), [inflation](/topic/inflation), [stocks](/topic/stocks), [china](/topic/china), [if you](/topic/if-you), [ai](/topic/ai), [the world](/topic/the-world) **Top accounts mentioned or mentioned by** [@joebrendan](/creator/undefined) [@enife001](/creator/undefined) [@vuyo80447140](/creator/undefined) [@abaluuthman](/creator/undefined) [@ngxinvestor](/creator/undefined) [@mrbendel01](/creator/undefined) [@tosinolugbenga](/creator/undefined) [@docneto](/creator/undefined) [@ovoshedy](/creator/undefined) [@compoundinnaira](/creator/undefined) [@jonddoe](/creator/undefined) [@asemota](/creator/undefined) [@ycombinator](/creator/undefined) [@investbamboo](/creator/undefined) [@tosinolaseinde](/creator/undefined) [@naijaflyingdr](/creator/undefined) [@profitableman1](/creator/undefined) [@oyinkanbadejo](/creator/undefined) [@bingdong17](/creator/undefined) [@echekaf](/creator/undefined) **Top assets mentioned** [Tesla, Inc. (TSLA)](/topic/$tsla) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Bitcoin (BTC)](/topic/bitcoin) [SPDR GOLD ETF (GLD)](/topic/$gld) [iShares BTC Trust (IBIT)](/topic/$ibit) [NVIDIA Corp. (NVDA)](/topic/$nvda) [Doge Jones Industrial Average (DJI)](/topic/$dji) [Apple, Inc. (AAPL)](/topic/$aapl) ### Top Social Posts Top posts by engagements in the last [--] hours "4. Analyze During Schooltrade Live during Holidays: This is so because trading requires alertness. This is very hard during secondary school. I learnt it the hard way. We were writing chemistry test that day and I placed FTM. Apart from the emotional imbalance I still hit SL 😂" [X Link](https://x.com/Labzy_kid/status/1693979857149927560) 2023-08-22T13:34Z [---] followers, [---] engagements "Many people claim to trade news and promptly screenshot once it gives that sniper. However after a few minutes it quickly reverses hitting their Loss. So what went wrong A thread 🧵" [X Link](https://x.com/Labzy_kid/status/1703051545296658486) 2023-09-16T14:21Z [---] followers, [---] engagements "Let's begin with the psychology of news. Why does market react to news anyway The market moves with demand and supply. News is a strong indicator concerning the strength of an economy. This is what makes institutions buy a currency over the other - trust in the country's economy" [X Link](https://x.com/Labzy_kid/status/1703051549205795092) 2023-09-16T14:21Z [---] followers, [---] engagements "The world's major economy is that of the U.S. Hence all currencies have the USD as the base pair. Therefore any news that concerns it concerns all other countries. The Federal Reserve(Fed) is the US central bank responsible for these decisions. Note: The DXY measures $ strength" [X Link](https://x.com/Labzy_kid/status/1703051551827218858) 2023-09-16T14:21Z [---] followers, [--] engagements "The principle we'll be using is any news that's good for the U.S. economy is good for USDxxx pairs and the dollar index (DXY) while the inverse is good for xxxUSD pairs. Baring this in mind let's continue Note: Forexfactory and tradingview can be used to check for news" [X Link](https://x.com/Labzy_kid/status/1703051554427699530) 2023-09-16T14:21Z [---] followers, [--] engagements "1. NFP: This is the highest impact news. It is the measure of the number of workers in the US. The higher this number the stronger the US economy as investors would decide to buy USDxxx & sell xxxUSD pairs. More jobs means a stronger economy while a lower report is bad for USD" [X Link](https://x.com/Labzy_kid/status/1703051561604182134) 2023-09-16T14:21Z [---] followers, [--] engagements "The NFP news is also called Non-Farm Employment change. We also have unemployment rate which is the direct opposite of it" [X Link](https://x.com/Labzy_kid/status/1703051563915207059) 2023-09-16T14:21Z [---] followers, [--] engagements "2. FOMC: this is regarding interest rate change. To explain when someone takes loans he or she pays interest on it. When interest rates are hiked people borrow less cause they'll have to pay more interest. This scarcity of USD leads to a demand for it and the inverse for xxxUSD" [X Link](https://x.com/Labzy_kid/status/1703051566087823428) 2023-09-16T14:21Z [---] followers, [---] engagements "3. Gross Domestic Product (GDP): This is a quarterly report that reports the total value of all goods produced in a country. It is a general report that obviously measures the strength of the U.S. The higher this is the higher the DXY" [X Link](https://x.com/Labzy_kid/status/1703051568294023610) 2023-09-16T14:21Z [---] followers, [---] engagements "4. Consumer Price Index (CPI) PPI and PCE: these three measure inflation. A rise in inflation is bad for the U.S. economy leading to a sell of USDxxx pairs and a buy of xxxUSD pairs. Our country Nigeria is a typical example of this" [X Link](https://x.com/Labzy_kid/status/1703051570558943419) 2023-09-16T14:21Z [---] followers, [--] engagements "5. Retail Sales Data: This measures the amount of consumer goods and services sold. This important cause an increase in spending indicates a robust economy leading to an increase in DXY and USDxxx pairs and for the inverse vice versa" [X Link](https://x.com/Labzy_kid/status/1703051572849082385) 2023-09-16T14:21Z [---] followers, [--] engagements "6. Speech of FOMC member especially Chair Jerome Powell: This is also important as during these meetings information is usually given as to whether there'll be a hike in interest rates or not. He also talks on the state of the U.S. economy" [X Link](https://x.com/Labzy_kid/status/1703051575101419937) 2023-09-16T14:21Z [---] followers, [--] engagements "7. U.S. Trade Balance Report: it is the difference between the U.S. exports and imports. If the U.S. exports more than it imports it has a trade surplus which is considered positive for the USD and vice versa" [X Link](https://x.com/Labzy_kid/status/1703051578301984902) 2023-09-16T14:21Z [---] followers, [--] engagements "In conclusion tradingview offers a way to monitor the above comparisons and in this screenshot you can clearly see the actual vs the expected. Using the following you should be able to do a better job at news trading" [X Link](https://x.com/Labzy_kid/status/1703051580608508134) 2023-09-16T14:21Z [---] followers, [--] engagements "Last week I promised I'll be releasing part [--] of this thread. Will be releasing it today by 8p.m. and we'll be practicing with this week's fundamentals. I'll also be sharing my mistakes Turn on notifications 🔔 Pair: AUD/USD" [X Link](https://x.com/Labzy_kid/status/1705533438889951353) 2023-09-23T10:43Z [---] followers, [--] engagements "They often say: "Experience Is the Best Teacher" But this is not always true for there are some experiences in trading that you can never recover from. I don't want you to make these mistakes. Open this thread 🧵👇👇" [X Link](https://x.com/Labzy_kid/status/1707847412792926354) 2023-09-29T19:58Z [---] followers, [----] engagements "It's 1:25pm you have a pending trade but you remember there's NFP in the next [--] mins. You close the trade but few minutes later you check and your trade could have triggered. But why did you close it Let's get this right 💪 Open this thread 👇👇👇" [X Link](https://x.com/Labzy_kid/status/1711019835776242138) 2023-10-08T14:04Z [---] followers, [----] engagements "In part [--] we treated the theoretical aspect of news trading but now we'll delve into the charts. We'll examine Aussie price action and the impact of [--] major news in the past two weeks. Check out Pt. [--] if you haven't 👇" [X Link](https://x.com/Labzy_kid/status/1711019839412744369) 2023-10-08T14:04Z [---] followers, [---] engagements "CASE STUDY 1: AU - [--] September [----] From this you'll notice that on news days during kill zones (6 - 8p.m.(KZs) especially market always uses the previous highs or lows as liquidity. Therefore we could have this as our liquidity" [X Link](https://x.com/Labzy_kid/status/1711019872526713267) 2023-10-08T14:05Z [---] followers, [---] engagements "Price took out that liquidity as PCE news drops. The PPI numbers came out lower than expected which is good for the USD and bad for all xxxUSD pairs. Remember this 🌚" [X Link](https://x.com/Labzy_kid/status/1711019890264416625) 2023-10-08T14:05Z [---] followers, [---] engagements "Little indecision candle on LTF and market sold aggressively printing over [---] pips respecting TA and news. Market has already taken out a high during London so there's no need to take out that extreme. Evidence dey 🥲" [X Link](https://x.com/Labzy_kid/status/1711019914201313462) 2023-10-08T14:05Z [---] followers, [---] engagements "It triggered on the fifth but market movement was slow no momentum. It formed trendline Liquidity needing to be taken out. However I had a wide SL so I didn't fret" [X Link](https://x.com/Labzy_kid/status/1711019945033617491) 2023-10-08T14:05Z [---] followers, [--] engagements "At 1:30p.m. numbers for NFP comes in higher than expected leading to sell which took out trendline and double bottom liquidity (2 Liquidities) However unemployment rate comes in higher good for xxxUSD" [X Link](https://x.com/Labzy_kid/status/1711019962733654496) 2023-10-08T14:05Z [---] followers, [---] engagements "We reacted to the demand zone at the extreme of the leg taking out all the liquidity Asian and London session did. It has printed over [--] pips evidence 🥲👇👇" [X Link](https://x.com/Labzy_kid/status/1711019981675044961) 2023-10-08T14:05Z [---] followers, [---] engagements "Therefore what have you learnt from this [--]. Overall market structure is respected [--]. Price does react to news. [--]. All liquidities are taken out cause market heads for extreme. [--]. It eventually aligns with overall structure as the charts themselves is the representation of news" [X Link](https://x.com/Labzy_kid/status/1711019987509318033) 2023-10-08T14:05Z [---] followers, [--] engagements "These steps are easier for certain less volatile pairs such as AU NU USD/CHF etc. It's a bit harder for major pairs like EU GU and gold. But it works 🙂. Backtest it yourself. Tip: during news trading less volatile pairs might be a nice option if the volatility scares you" [X Link](https://x.com/Labzy_kid/status/1711019993045905508) 2023-10-08T14:05Z [---] followers, [--] engagements "@Kelvin_Graph The EUR/CHF had inducement this one doesn't" [X Link](https://x.com/Labzy_kid/status/1711088107829748038) 2023-10-08T18:36Z [---] followers, [--] engagements "Market is opening in a few hours. Here are some fundamentals: Bank holiday tomorrow CPI news on Thursday. So what are you up to 🤔 #forextrading #forextrader #XAUUSD #audusd" [X Link](https://x.com/Labzy_kid/status/1711094847640109455) 2023-10-08T19:02Z [---] followers, [---] engagements "@Vee_forex Futures trading is what most of us are. Predicting the price of fx pairs. Forex trading involves trading these currencies themselves" [X Link](https://x.com/Labzy_kid/status/1714263976983335298) 2023-10-17T12:55Z [---] followers, [----] engagements "Hope you're making money today Structure + liquidity + candlestick reversal pattern Learn from the chart GM to my [---] active followers. Say it back 👍😃 @midrizzy1 #Bitcoin #forex" [X Link](https://x.com/Labzy_kid/status/1716729500375851197) 2023-10-24T08:13Z [---] followers, [---] engagements "@Chartswithmax @GlowNodefx EUR/JPY" [X Link](https://x.com/Labzy_kid/status/1745289320188059930) 2024-01-11T03:39Z [---] followers, [--] engagements "@honour_can_code Because Nigeria is yet to have an excellent Fintech system" [X Link](https://x.com/Labzy_kid/status/1791555654471008450) 2024-05-17T19:45Z [---] followers, [---] engagements "@only1DD_FX @Vix_Mayor @Kelvintalent_ @midrizzy1 Dope shiii" [X Link](https://x.com/Labzy_kid/status/1871153373300592977) 2024-12-23T11:18Z [---] followers, [---] engagements "@TNIPodcaster @grok is this true" [X Link](https://x.com/Labzy_kid/status/1934283011027034278) 2025-06-15T16:13Z [---] followers, [---] engagements "Good evening X. Historians say the first financial crash was the Tulip Bubble of [----] [---] years ago. With the global stock market at record highs cryptocurrency is in a frenzy; it feels like the worst is finally behind us" [X Link](https://x.com/koladeafolabi20/status/1944794371867422866) 2025-07-14T16:21Z [---] followers, [---] engagements "The Nigerian markets are open. And GTCO takes the lead becoming the first Nigerian bank to hit the #100 per share mark as the [--] trillion naira bank targets 15% dividend yield. Cheers to all shareholders 😍✅ #ngx" [X Link](https://x.com/koladeafolabi20/status/1945421792681558162) 2025-07-16T09:54Z [---] followers, [---] engagements "@AvaxDevelopers Is this real 🤭 Avalanche - the no. [--] Layer [--] Ethereum solution noticed me. Thank you Today is day [--] and it's going excellently well. If there's a slot in there for an internship I would appreciate it. And oh I write on blockchain web3 & stocks https://medium.com/coinmonks/why-ethereum-is-one-of-the-greatest-disruptions-in-technology-in-my-opinion-9c25e31ab4bf https://medium.com/coinmonks/why-ethereum-is-one-of-the-greatest-disruptions-in-technology-in-my-opinion-9c25e31ab4bf" [X Link](https://x.com/koladeafolabi20/status/1947747102689271924) 2025-07-22T19:54Z [---] followers, [--] engagements "It's common knowledge that the prices of assets in the financial market are determined by demand and supply. When demand is more than supply prices tend to rise & when the inverse happens prices fall. But how exactly does that happen They wouldn't teach you this in school🧵" [X Link](https://x.com/koladeafolabi20/status/1948057961789813104) 2025-07-23T16:29Z [---] followers, [--] engagements "Let's begin with an example. Imagine you're in an open market wherein tomatoes are grouped for purchase. Some sellers are shouting #500 per plate some #450 others #400. From the corner of your ears you can hear buyers calling out #350 & #380 as prices they're willing to pay" [X Link](https://x.com/koladeafolabi20/status/1948057969524166793) 2025-07-23T16:29Z [---] followers, [--] engagements "US GDP rises by 3% in advanced GDP q/q reports beating analysts estimates of 2.5%. Weak reaction by equities . perhaps they await the actual GDP or tonight's interest rates decision by the Fed #equities #sp500" [X Link](https://x.com/koladeafolabi20/status/1950589168888746058) 2025-07-30T16:07Z [---] followers, [--] engagements "US jobs data is out Equities tumbled 🩸 gold is flying following weaker numbers. NFP missed analysts' estimates of 106k coming in at 76k instead. Is it just a pullback or a potential correction I bet on the former see you next week NB: Not financial advice #NFP" [X Link](https://x.com/koladeafolabi20/status/1951297501333422526) 2025-08-01T15:02Z [---] followers, [--] engagements "The real economy lies in the manufacturing of goods & services. As the Nigerian capital markets extend their rally it's important to pay attention to that aspect. This is an excerpt of my full article "Would the stock market always Go Up" Check the pinned post on my profile 💯" [X Link](https://x.com/koladeafolabi20/status/1953766209133941105) 2025-08-08T10:32Z [---] followers, [--] engagements "Though I wasn't first We won a decent cash prize I had the opportunity to connect with industry professionals. It opened the avenue for a future partnership. I sincerely appreciate everyone that voted and reposted across various social media platforms" [X Link](https://x.com/koladeafolabi20/status/1957080616568009157) 2025-08-17T14:02Z [---] followers, [--] engagements "Your votes went a long way into helping us secure this. I am grateful to @ecobank and @heaveventures for this amazing opportunity they've availed to encourage young techies. We aren't done with StrippleCare. We would proceed with the prototype and pilot phases" [X Link](https://x.com/koladeafolabi20/status/1957080620628148247) 2025-08-17T14:02Z [---] followers, [--] engagements ""Diversification is the only free lunch in investing." said Harry Markowitz You don't need to be a financial wizard to begin your investment journey. In this thread I shall discuss three money machines that could set newbies up for life. Walk with me NB: Not financial advice" [X Link](https://x.com/koladeafolabi20/status/1957932958452473885) 2025-08-19T22:29Z [---] followers, [--] engagements "When I began my investment journey the process of picking stocks of individual companies was mind-boggling and time-consuming. High reward if it moons but risky if it tanks. Exchange Traded Funds (ETFs) Think of them as a smart basket of stocks (or assets) bundled together" [X Link](https://x.com/koladeafolabi20/status/1957932963091608026) 2025-08-19T22:29Z [---] followers, [--] engagements "Not just stocksETFs cover commodities too. Gold ETFs like State Street's $GLD let you invest in gold without storing bars. Bitcoin ETFs also exist ($IBIT) which offer traditional investors exposure to the crypto market. No need for crypto wallets; trade like stocks" [X Link](https://x.com/koladeafolabi20/status/1957932981097463890) 2025-08-19T22:29Z [---] followers, [--] engagements "Fun fact: Most ETFs are managed by asset management firms like BlackRock ($IBIT) Vanguard ($VOO) StateStreet($SPDR) and Investico ($QQQ). Professionals who handle trillions ensuring liquidity reliability & low fees The big [--] are the biggest shareholders in 88% of the S&P500" [X Link](https://x.com/koladeafolabi20/status/1957932985195565163) 2025-08-19T22:29Z [---] followers, [--] engagements "Following the dip I've been seeing "Buy the dip" over the timeline. But just wanted to remind you to buy dips of fundamentally strong companies. Fundamentally weak companies could send you to the village. Good morning Happy investing #StockMarket #ngx" [X Link](https://x.com/koladeafolabi20/status/1958094233707172297) 2025-08-20T09:10Z [---] followers, [--] engagements "JUST IN: US equities erase this week's losses as Fed Chair Jerome Powell hints rate cuts by September in Jackson Hole speech #StockMarket #FED" [X Link](https://x.com/koladeafolabi20/status/1958939716864139691) 2025-08-22T17:09Z [---] followers, [--] engagements "MARKET WRAP🔔: Investors gained about $222.3 billion in the major US stock markets today led by $NVDA and $TSLA. $SPY - 🔼645.14 (+0.41%) $QQQ - 🔼572.63 (+0.40%) $DJI - 🔼45418.06 (+0.30%) Source: Tradingview" [X Link](https://x.com/koladeafolabi20/status/1960441241612771805) 2025-08-26T20:36Z [---] followers, [---] engagements ""Learn a tech skill" But lately I've figured out that not everyone would learn tech. This thread is particularly tailored to undergraduates looking to build an investment portfolio. The truth remains: Earning is the foundation of investing. Young man and woman walk with me" [X Link](https://x.com/koladeafolabi20/status/1961504204364943846) 2025-08-29T19:00Z [---] followers, [--] engagements "While US equities slept on labour day gold quietly broke through the $3500 mark to record a new all time high of $3508. The yellow metal has now gained over 34% this year alone it's highest yearly gain since [----] and tripled the returns of the S&P500 in [----] $GLD #GOLD" [X Link](https://x.com/koladeafolabi20/status/1962768426675364022) 2025-09-02T06:43Z [---] followers, [--] engagements "Tencent Holdings is the most valued publicly listed Chinese company worth about $689 billion. The multinational conglomerate owns WeChat and operates a vast network of value added services that span online advertising fintech and business services. Source: companiesmarketcap" [X Link](https://x.com/koladeafolabi20/status/1963661933325742122) 2025-09-04T17:54Z [---] followers, [--] engagements "$445 billion 💰 was added to major US stock market today i.e. the S&P500 amidst strong buying pressure in $MSFT $BRK others. The index is set to record a fresh yearly high as investors traders eye tomorrow's jobs data NB: figures sourced from slickcharts tradingview" [X Link](https://x.com/koladeafolabi20/status/1963703671545364532) 2025-09-04T20:40Z [---] followers, [---] engagements "Apple stock is relatively flat in post-market trading hours as the 3rd largest company in the world released its flagship product - the iPhone [--] series alongside Apple Watch Series [--] & Ultra [--] and AirPods Pro [--]. $AAPL #AppleEvent" [X Link](https://x.com/koladeafolabi20/status/1965531174526476726) 2025-09-09T21:42Z [---] followers, [---] engagements "Hey @bamboo. I'm Kolade a 200L software engineering student passionate about fintech. I began investing this year with your app and I was impressed. I'm a front end developer with [--] years experience. An internship or role is all I ask; I'm confident I would make an impact Don't be shy just tag the company you wish to work for. Don't be shy just tag the company you wish to work for" [X Link](https://x.com/koladeafolabi20/status/1966976754582692165) 2025-09-13T21:26Z [---] followers, [---] engagements "Hey @investbamboo I'm Kolade a 200L software engineering student passionate about fintech. I began investing this year with your app & I was impressed. I'm a front end engineer with 3+ years experience. An internship or role is all I ask; I'm confident I would make an impact Don't be shy just tag the company you wish to work for. Don't be shy just tag the company you wish to work for" [X Link](https://x.com/koladeafolabi20/status/1967478910637253089) 2025-09-15T06:41Z [---] followers, [----] engagements "The short answer: About [--] years ago after World War [--] a group of [--] countries decided to sit down and back the United States Dollar to gold establishing it as a global standard for America had a robust reserve (60%). World War [--] had shattered Britain and much of Europe How and why is the $ the official trade currency of the world even though it is weaker than the What is the hope of and how can it be improved Explain to me like a 10-year-old How and why is the $ the official trade currency of the world even though it is weaker than the What is the hope of and how can it be improved Explain" [X Link](https://x.com/koladeafolabi20/status/1967541029730648485) 2025-09-15T10:48Z [---] followers, [---] engagements "And concerning the pound it's more valued mainly because it's scarcer and the UK has a smaller economy. However this doesn't automatically mean it's "better" for trade. Ease of use is a huge factor in determining a trade currency. is also more valued thanks to her OG status" [X Link](https://x.com/koladeafolabi20/status/1967541033144922223) 2025-09-15T10:48Z [---] followers, [--] engagements "Hope For Naira. A key to the naira's improvement lies in economic diversification. Right now a huge bulk of revenue stems from oil tying the naira's value to the rise and fall of oil prices which have stalled recently. Corruption and poor economic policy have also eroded trust" [X Link](https://x.com/koladeafolabi20/status/1967541037049786676) 2025-09-15T10:48Z [---] followers, [--] engagements "@ronaldnzimora You cannot invest in Chinese stocks the traditional way because the market is closed and highly regulated. The easiest way is via ADRs Chinese companies that have been listed on the NYSE. Alibaba and a few others make this list" [X Link](https://x.com/koladeafolabi20/status/1968608053592269036) 2025-09-18T09:28Z [---] followers, [----] engagements "China's BYD is the world's largest EV manufacturer by sales volume and revenue surpassing Tesla others. The Chinese company is currently worth about $136 billion far less than Tesla's $1.2 trillion" [X Link](https://x.com/koladeafolabi20/status/1970124301920559245) 2025-09-22T13:53Z [---] followers, [--] engagements "The code and the result. First time using chakraui component library to build a production-ready React web application. Tailwind and those long classnames are exhausting sometimes. So did I cook 🙂" [X Link](https://x.com/koladeafolabi20/status/1970500078596169854) 2025-09-23T14:46Z [---] followers, [--] engagements "@WhakeeSui @web3confenugu @DerekSilva @Reef_Chain @nextbridge_afr @defiboyszn Congratulations. You look good 💯" [X Link](https://x.com/koladeafolabi20/status/1972561122084753435) 2025-09-29T07:16Z [---] followers, [--] engagements "Let's begin by acknowledging the truth - Companies fold up - Financial crisis could erode investments - Inflation is also a huge monster. Hence the goal isn't chasing returns it's resilience -a portfolio that survives shocks and grows over decades. These rules can guide you 👇" [X Link](https://x.com/koladeafolabi20/status/1972744306789384531) 2025-09-29T19:24Z [---] followers, [--] engagements "Rule 1: Diversification: most people that cry about investing today put all their eggs in one basket a fallacy. A diversified portfolio not only diversifies in stocks but across financial assets. Remember stocks are just one we have bonds commodities real estate etc" [X Link](https://x.com/koladeafolabi20/status/1972744309968671040) 2025-09-29T19:24Z [---] followers, [--] engagements "Diversification also means betting on emerging markets For now the US financial market is the de facto standard for global investment but have you considered others Though it's unlikely what could happen to your investment if the bubble bursts there are lessons from Tokyo" [X Link](https://x.com/koladeafolabi20/status/1972744313886089241) 2025-09-29T19:24Z [---] followers, [--] engagements "Given these rules there are [--] prospective financial instruments that fit. Note that this isn't financial advice but preference based on the principles listed above. It's advisable that majority investments should lean toward USD a ratio of 70:30 isn't bad. USD 👇👇👇:" [X Link](https://x.com/koladeafolabi20/status/1972744322715156621) 2025-09-29T19:24Z [---] followers, [--] engagements "1. S&P500: America's benchmark index that measures the performace of the top [---] companies in the US has existed for [--] years and has returned an average of 9.8% PA. ETFs like $SPX & $VOO established by acclaimed asset management firms are considered one of the safest for starter" [X Link](https://x.com/koladeafolabi20/status/1972744327450488971) 2025-09-29T19:24Z [---] followers, [--] engagements "2. $MCHI: The Chinese market is gaining increased traction of recent years as the superpower keeps gaining grounds in innovation and technology. Huge Chinese firms like Tencent Alibaba Xiaomi and BYD can be accessed by Hong Kong listings and ADRs accessible via the US market" [X Link](https://x.com/koladeafolabi20/status/1972744332466864525) 2025-09-29T19:24Z [---] followers, [--] engagements "3. Gold ETF: The yellow metal is the de facto standard of value in the world and has experienced a parabolic run in recent years. As US dollar weakens and countries of the world push for more balanced reserve gold is primed for increased growth. Also it's relatively scarce" [X Link](https://x.com/koladeafolabi20/status/1972744339563380837) 2025-09-29T19:24Z [---] followers, [--] engagements "Nigerian Investment Thanks to their stellar performance certain coys of the NGX have delivered growth for decades as well as steady income through dividends. The likes of GTCO UBA MTN etc are solid coys that have withstood unstable market conditions & beat inflation" [X Link](https://x.com/koladeafolabi20/status/1972744348090642456) 2025-09-29T19:24Z [---] followers, [--] engagements "Fixed NGN Investment: Treasury bills FGN bonds and other fixed investments offered by fintechs are generally safe instruments that give predictable returns and is worth looking into. A final fator: it's also good to consider the broker one uses when making long term investments" [X Link](https://x.com/koladeafolabi20/status/1972744352171716909) 2025-09-29T19:24Z [---] followers, [--] engagements "Recommend $AMD to a family friend few months ago. It has been lazy ever since & boom I saw this. Also analyzed $NVDA & $BABA. This is NOT financial advice but I must applaud my predictions & analysis in the last [--] months 🦅 Also thank you @investbamboo for this sleek update" [X Link](https://x.com/koladeafolabi20/status/1975201059653251277) 2025-10-06T14:06Z [---] followers, [----] engagements "Bloomberg has reported that Cristiano Ronaldo is the world's first billionaire footballer estimating his net worth at $1.4 billion. That's crazy" [X Link](https://x.com/koladeafolabi20/status/1975941412395868660) 2025-10-08T15:08Z [---] followers, [--] engagements "Popular indices make ETFs shine. Think of an index as a special formula that determines the stocks within an ETF. Now this formula has been performed by market experts who know just the right combinations of quality stocks - mental work you'd have done" [X Link](https://x.com/koladeafolabi20/status/1957932971828342989) 2025-08-19T22:29Z [---] followers, [--] engagements "Undoubtedly the S&P [---] is the most stable and diversified. It also has a solid track record averaging 10% PA. For the NASDAQ it's highly volatile and consists of tech and growth stocks: META MSFT AAPL TSLA NVDA etc. $VOO $QQQ and $DJI are the golden trio" [X Link](https://x.com/koladeafolabi20/status/1957932977033285639) 2025-08-19T22:29Z [---] followers, [--] engagements "In the NGX majorly Meristem and Vetiva operate: $VETBANK that tracks the NGX Banking index $VETIND tracks the NGX Industrial index $VSPBON for bonds Meristem Value ($MERVAL) tracks NGX Meristem Value Index which includes value stocks Greenwich Alpha Meristem Growth" [X Link](https://x.com/koladeafolabi20/status/1957932989641335271) 2025-08-19T22:29Z [---] followers, [--] engagements "In conclusion ETFs are best for newbies for diversification and low fees: $VOO to build wealth steadily $QQQ if you have a high risk appetite and $DJI if you're conservative. $IBIT for Bitcoin $GLD for gold $MERGROWTH isn't bad for the NGX. Or you can just combine everything" [X Link](https://x.com/koladeafolabi20/status/1957932993374482472) 2025-08-19T22:29Z [---] followers, [---] engagements "Dr Adaora Umeoji is one of the wealthiest female CEOs in Nigeria. The CEO of Zenith Bank has share holdings worth about 11billion at current prices and goes home with an annual salary of about 874million(2024). These exclude other assets that the banking magnate could possess" [X Link](https://x.com/koladeafolabi20/status/1960430507977793664) 2025-08-26T19:53Z [---] followers, [--] engagements "Tesla has recorded highest quarterly revenue ever with figures standing at $28.1bn and EPS at $0.50 beating Wall Street estimate of $25bn. $TSLA dropped slightly by 1.1% in after trading hours following the report" [X Link](https://x.com/koladeafolabi20/status/1981096432062140627) 2025-10-22T20:32Z [---] followers, [---] engagements "@UnkleAyo Amazing. Nairobi seems to be heating up as Africa's tech hub 🚀" [X Link](https://x.com/koladeafolabi20/status/1981393596285878748) 2025-10-23T16:13Z [---] followers, [---] engagements "@retiredRochaite Exactly. Stock investments in general have higher success rates that crypto. I know a lot of people that got rich from crypto futures but I realized it wasn't for me. However I would revisit crypto spots investment when BTC dips. Till then stocks all the way" [X Link](https://x.com/koladeafolabi20/status/1983456513676173319) 2025-10-29T08:50Z [---] followers, [---] engagements "After all the past could predict the future. But to my utmost surprise there wasn't an effective tool to measure that. Then I thought of Compoundium - a smart financial modeling platform that helps you visualize how your money compounds over time in various financial assets" [X Link](https://x.com/koladeafolabi20/status/1984365364193685664) 2025-10-31T21:02Z [---] followers, [--] engagements "We aim to be the most intuitive global stock ETF & crypto growth simulator. But till then I have a huge surprise for y'all. A demo is available to practice Input your initial investment stock/etf ticker exchange monthly contribution duration; & see how it'd have grown" [X Link](https://x.com/koladeafolabi20/status/1984365367830200590) 2025-10-31T21:02Z [---] followers, [--] engagements "I would love everyone's feedback in the comments. Tell me what was your result Mine was: In [--] years consistent $100 monthly contributions on your $1000 investment in the S&P500 could have compounded to $9986 now compared to $6000 in your bank account" [X Link](https://x.com/koladeafolabi20/status/1984365375619022927) 2025-10-31T21:02Z [---] followers, [--] engagements "NB: $ is for US stocks; for Nigerian stocks like GTCO kindly ignore Yeah you heard me the NGX is live For future iterations: Watch out for dividends reinvestments etc and for premium we factor in inflation multiple portfolios AI-powered prediction & stock comparisons" [X Link](https://x.com/koladeafolabi20/status/1984365379884630027) 2025-10-31T21:02Z [---] followers, [--] engagements "True. But they've been doing good in previous years. Last year it recorded over 300% increase so a correction seemed imminent. 1million spread across the last [--] years would be 3.6million+ now 1m in Conoil in January is worth [------]. today 1m in Conoil in January is worth [------]. today" [X Link](https://x.com/koladeafolabi20/status/1985336171938165166) 2025-11-03T13:20Z [---] followers, [---] engagements "Guys are you looking for a reliable way to calculate the compound growth on that stock/ETF if you DCA monthly Try out the Compoundium demo sheet. Make a copy input your data & watch the magic Ah I would need to invest $4950 monthly in the S&P500 to retire by 35😭" [X Link](https://x.com/koladeafolabi20/status/1986746115169894680) 2025-11-07T10:42Z [---] followers, [--] engagements "Disney has announced that Percy Jackson [--] will premiere on December 10th [----] exclusively on its streaming platform Disney+ Investors are watching closely to see if the $200 billion media giant can deliver & whether the series could boost Disney+ profitability in Q4 [----] $DIS" [X Link](https://x.com/koladeafolabi20/status/1986889664091783489) 2025-11-07T20:13Z [---] followers, [--] engagements "$1trillion is a lot of money but considering the metrics before he gets paid that's scary. Tesla is already overvalued with a p/e of 287x & revenue is just $28bn. I'm particularly interested in $TSLA significantly increasing earnings which would naturally increase valuation. Elon Musk $1 trillion dollars salary https://t.co/doqqeCRTwR Elon Musk $1 trillion dollars salary https://t.co/doqqeCRTwR" [X Link](https://x.com/koladeafolabi20/status/1987412492641849715) 2025-11-09T06:50Z [---] followers, [--] engagements "Techie only you have [--] MacBooks [--] iPhones & one earpod. You've invested so much into Apple products But have you ever thought of investing in them Yeah you heard me right Abi you like as them just dey cash out on your big time Oya let's talk on how you can get your cut" [X Link](https://x.com/koladeafolabi20/status/1988008935744483410) 2025-11-10T22:20Z [---] followers, [---] engagements "When AWS was down half of the internet went down with it. When Meta sneezes social media catches a cold. And the AI that everyone is "AI-ing" it's all secretly run by Nvidia chips. Every single day our lives revolve around a handful of tech giants" [X Link](https://x.com/koladeafolabi20/status/1988008939632337055) 2025-11-10T22:20Z [---] followers, [--] engagements "What has Kolade been up to today Well I've been working on a side project. I wanted to hire a UI/UX designer (cause I'm a developer) but I was low on cash. Plus I just felt no one could do stuff better than me How does it look" [X Link](https://x.com/koladeafolabi20/status/1989060417679773941) 2025-11-13T19:58Z [---] followers, [--] engagements "This looks great. I've been working on a similar calculator using live ETF/stock data with the S&P500 average of 11.8% for the last [--] years Apparently the longer the time to compound the smaller the amount needed. I modelled mine for retirement- $3M https://docs.google.com/spreadsheets/d/1Uh1kU-ysCUnMMHH3KENEDIrBrwt2-3dN8Y99NjqQHdk/editusp=sharing How to make your children millionaires in dollars by the age of [--] without starting a business. 1.) Invest a deposit of $2000 2.) Invest $300 monthly in an ETF that averages 12% in the long run 3.) Automate the amount monthly 4.) Stop contributing" [X Link](https://x.com/koladeafolabi20/status/1989819046603432399) 2025-11-15T22:13Z [---] followers, [---] engagements "Hey everyone I am proud to announce that my technology startup Strippple Technologies Ltd has been registered with CAC making us licensed to develop & sell tech solutions Work has commenced to develop [--] products the first to help individuals model compound growth & retirement" [X Link](https://x.com/koladeafolabi20/status/1989820212829643237) 2025-11-15T22:18Z [---] followers, [---] engagements "The product name is "Compoundium". The second StripppleCare is aimed at fraud & dispute resolution in HMOs today through blockchain technology However here I would be focusing on the first building in public from next week. From the UI design to developing the functionality" [X Link](https://x.com/koladeafolabi20/status/1989820217313333278) 2025-11-15T22:18Z [---] followers, [--] engagements "@GodsOwn____ That's true however I used a [--] year time period & a $3M target To deposit less you would have to increase the time length decrease your target or increase initial investment. However the tool is capped at [--] years but I am actively working to increasing that" [X Link](https://x.com/koladeafolabi20/status/1990010386045866215) 2025-11-16T10:53Z [---] followers, [--] engagements "@compoundinnaira Financial education is very important" [X Link](https://x.com/koladeafolabi20/status/1990681507111845994) 2025-11-18T07:20Z [---] followers, [---] engagements "If this is true this young man needs to sit down and think about himself and his life. He should get financial education Your dad did a good job of saving money but investing in a higher-yielding asset would've fared much better. In fact the money has lost value severely Don't borrow him😡 Rita https://t.co/vlizdt46Vx Don't borrow him😡 Rita https://t.co/vlizdt46Vx" [X Link](https://x.com/koladeafolabi20/status/1990765553217401058) 2025-11-18T12:54Z [---] followers, [---] engagements "Considering an estimated 300% inflation in [--] years with an est. average of 15% YoY 5.6million is equivalent to about 1.4million. And now you're about to do something much worse. Break up and block her and her father. Your girlfriend shouldn't be told such" [X Link](https://x.com/koladeafolabi20/status/1990765557017379312) 2025-11-18T12:54Z [---] followers, [--] engagements "Next lock the money in a high-yield interest account like @getladda or @fairmoney_ng. With 20% or 25% upfront that is passive 1.12million or 1.4m annually. Use this money to learn a skill be it tech or business If you're an undergraduate check this out https://x.com/koladeafolabi20/status/1961504204364943846s=20 "Learn a tech skill" But lately I've figured out that not everyone would learn tech. This thread is particularly tailored to undergraduates looking to build an investment portfolio. The truth remains: Earning is the foundation of investing. Young man and woman walk with me" [X Link](https://x.com/koladeafolabi20/status/1990765560305733980) 2025-11-18T12:54Z [---] followers, [--] engagements "With cash flow from the business you could decide to withdraw the 5.6million. Along with cash you could invest in the broader financial market like land stocks commodities crypto etc. Check out @abalu_uthman @tosinolaseinde @compoundinnaira @SirJarus for more information" [X Link](https://x.com/koladeafolabi20/status/1990765564181295239) 2025-11-18T12:54Z [---] followers, [--] engagements "And if you're still interested in a girlfriend As @jon_d_doe would say "Your serious girlfriend should INVEST in you while you INVEST in the future of both of you." Nothing here is financial advice. I wish you the best and perhaps others can learn a thing or two" [X Link](https://x.com/koladeafolabi20/status/1990765567603777998) 2025-11-18T12:54Z [---] followers, [--] engagements "I came across this post and it iterated why as techies are chopping money let's also gain financial education through investments If the father decided to invest in the S&P500 instead of keeping it in Nigerian naira account this young man would be worth over #190 million today Don't borrow him😡 Rita https://t.co/vlizdt46Vx Don't borrow him😡 Rita https://t.co/vlizdt46Vx" [X Link](https://x.com/koladeafolabi20/status/1990901088237592940) 2025-11-18T21:53Z [---] followers, [---] engagements "@abalu_uthman For those unsure the magnificent [--] are: Nvidia Google Amazon Meta Microsoft Apple and Tesla. Big Tech: Google Amazon Meta Microsoft Apple. These are the most influential companies in the US and the world ✅" [X Link](https://x.com/koladeafolabi20/status/1991766366005928111) 2025-11-21T07:11Z [---] followers, [---] engagements "I feel a major turning point is the way wealth is being accounted for today closely tied to growth of stock prices & assets. And when one lives in a country like the US there doesn't seem to be an upper limit. Wealth inequality seems to be a direct consequence. If you saved $10000 every single day since the Pyramids were built in Egypt. You still wouldn't have as much money as Elon Musk creates in one good week. The human brain literally cannot comprehend the scale of modern wealth inequality. We are playing a game where the rules If you saved $10000 every single day since the Pyramids were" [X Link](https://x.com/koladeafolabi20/status/1992178924424495542) 2025-11-22T10:30Z [---] followers, [--] engagements "@abalu_uthman At this point would Google still dip below $250 I'm waiting 😔" [X Link](https://x.com/koladeafolabi20/status/1992931517967044995) 2025-11-24T12:21Z [---] followers, [--] engagements "Compoundium would let anyone in the world simulate portfolio growth & plan retirement for various assets be it stocks or crypto; past & future estimates at your fingertips Eventually we would allow pro users to factor in inflation tax & financial education. Would you use it" [X Link](https://x.com/koladeafolabi20/status/1993083324886356346) 2025-11-24T22:24Z [---] followers, [--] engagements "In JS3 I started learning crypto/forex trading with the goal of hitting my first million before I became an adult. My pocket money was #350 for the week so I would save aggressively to get capital. But I didn't have an account and I didn't want my parents to know. What's the lore behind how you made your first 1M What's the lore behind how you made your first 1M" [X Link](https://x.com/koladeafolabi20/status/1993633580757418456) 2025-11-26T10:51Z [---] followers, [--] engagements "So I opened an opay account on the web with my system given by my uncle. I would deposit small amounts even #400 and the PoS lady was ever kind not to deduct charges. Eventually I saved enough to begin crypto trading but lost it all" [X Link](https://x.com/koladeafolabi20/status/1993633583953502320) 2025-11-26T10:51Z [---] followers, [--] engagements "In SS1 Mrs. Owoeye told me that "Kids Can trade". I had began dabbling into crypto the past year but never believed. How exactly could a minor trade She taught PE but talked regularly about upskilling & financial education (for some of my mates had begun betting) Which teacher changed your life forever and how Which teacher changed your life forever and how" [X Link](https://x.com/koladeafolabi20/status/1993636868781482135) 2025-11-26T11:04Z [---] followers, [--] engagements "That experience spiralled me into the rabbits hole of the financial markets. It's true a kid can't trade & I lost a substantial amount of money from it. But the knowledge was invaluable & when I clocked [--] I resolved to invest in the financial markets monthly. God bless her" [X Link](https://x.com/koladeafolabi20/status/1993636871566397613) 2025-11-26T11:04Z [---] followers, [--] engagements "Google cofounders - Larry Page and Sergey Brin are now worth a combined $510 billion following $GOOGL valuation leap. If you bought Google this time last year you should have about x2 your money. Alphabet is also inching closer to a $4trillion valuation just $100 billion away" [X Link](https://x.com/koladeafolabi20/status/1993642652479160570) 2025-11-26T11:27Z [---] followers, [--] engagements "The US stock market is closed today in observance of Thanksgiving Day. Trading activities would resume tomorrow 28th November 2025" [X Link](https://x.com/koladeafolabi20/status/1994067084662145084) 2025-11-27T15:33Z [---] followers, [--] engagements "Founders should key in. Up to 100million total in grants to Nigerian startups and entrepreneurs based in Nigeria https://niya.gov.ng/niyastartup https://niya.gov.ng/niyastartup" [X Link](https://x.com/koladeafolabi20/status/1994179739729158467) 2025-11-27T23:01Z [---] followers, [--] engagements "The US dollar 💵 has now lost 97% of it's value since 1913" [X Link](https://x.com/koladeafolabi20/status/1995447238038782011) 2025-12-01T10:57Z [---] followers, [--] engagements "@jon_d_doe This is very true lack of financial literacy is a key player here. Young men need to be intentional on saving and investing their money in assets that hedge inflation such as US dollars HYSA stocks and land. But many think they need large amounts to start" [X Link](https://x.com/koladeafolabi20/status/1995476292087550183) 2025-12-01T12:53Z [---] followers, [---] engagements "Interesting calculations. I'm working on developing an application that would aid anyone in performing something like this using real-time data from various financial instruments As not everyone would be disposed to doing the math. The cost of waiting [--] years: Scenario [--] Start at [--] Monthly: [------] Years: [--] Rate: 12%/year (compounded monthly) FV = [------] (1 + 0.12/12)(1235) [--] / (0.12/12) FV [----------] Scenario [--] Start at [--] Monthly: [------] Years: [--] FV The cost of waiting [--] years: Scenario [--] Start at [--] Monthly: [------] Years: [--] Rate: 12%/year (compounded monthly) FV = [------] (1 +" [X Link](https://x.com/koladeafolabi20/status/1996159661414781031) 2025-12-03T10:08Z [---] followers, [---] engagements "Another concern is in a country where inflation has averaged 15%; is one really gaining or losing by investing purely in naira-denominated fixed income Plus there's tax. So if one isn't careful real returns could be a net negative. Unfortunately many Nigerians overlook these" [X Link](https://x.com/koladeafolabi20/status/1996159664652689699) 2025-12-03T10:08Z [---] followers, [--] engagements "@asemota True. Unfortunately many founders lack such guidance then resort to a test by trial approach" [X Link](https://x.com/koladeafolabi20/status/1996465097687117889) 2025-12-04T06:22Z [---] followers, [--] engagements "@compoundinnaira Me living comfortably in my parents house; investing & saving 70% of income grinning knowing it wouldn't always be like that 🥲" [X Link](https://x.com/koladeafolabi20/status/1997413376998158467) 2025-12-06T21:10Z [---] followers, [--] engagements "@keanxley Interesting. I prefer dedicating US stocks to growth while NGX to dividend. However this is my personal strategy. A blend of both seems at just the right spot" [X Link](https://x.com/koladeafolabi20/status/1997419995576295624) 2025-12-06T21:36Z [---] followers, [---] engagements "Netflix as a streaming giant is valued at over $420billion. However it doesn't have the cash to finance an $86billion deal (which hasn't been executed). Hence the acquisition of Warner bros would be a blend of equity debt and cash" [X Link](https://x.com/koladeafolabi20/status/1997429979655680243) 2025-12-06T22:16Z [---] followers, [--] engagements "Hey @RaenestHQ. It's been weeks since I requested for my crypto account but it's still under review. Can you look into this for me" [X Link](https://x.com/koladeafolabi20/status/1998455176710042063) 2025-12-09T18:10Z [---] followers, [--] engagements "It is sad to be honest. But at the same time one can't blame YCombinator. We tend to forget the fact that YC is an American accelerator program and that many YC startups eventually spring to be top US companies. Furthermore from an investment and economic perspective . @ycombinator care to explain why no african or Asian product was chosen like bro im pretty sure there were better startups from africa and asia than some of the openai wrappers i saw there https://t.co/HHDFWsY5mU @ycombinator care to explain why no african or Asian product was chosen like bro im pretty sure there were better" [X Link](https://x.com/koladeafolabi20/status/1999473109959922052) 2025-12-12T13:35Z [---] followers, [---] engagements "And that's why when I see those that have the mind to take on that risk huge respect to them I can't wait for @TosinOlugbenga to begin his next year. I know @NaijaFlyingDr also runs one of the largest private equity firms in Africa. Sam Esemuede of Zrosk is also African focused" [X Link](https://x.com/koladeafolabi20/status/1999473145611452599) 2025-12-12T13:35Z [---] followers, [--] engagements "I also don't believe investment has slowed it's just not through YC. VC funding has reached [----] levels the funding just seems more focus on healthcare and Fintech. And most of it is entering established players not pre seed founders Only Africans can solve Africa's problems" [X Link](https://x.com/koladeafolabi20/status/1999473149579338005) 2025-12-12T13:35Z [---] followers, [--] engagements "Lately I have been digging into the psychology of African investors and our market. Mr Sam Esemuede of Zrosk Investment limited is highly versed in this. This should give African founders clues and for investors why Africa is the frontier 📌 https://youtu.be/IYVzpBp-FHssi=gWOcODjeIJrFz9MF https://youtu.be/IYVzpBp-FHssi=gWOcODjeIJrFz9MF" [X Link](https://x.com/koladeafolabi20/status/1999473154742522277) 2025-12-12T13:35Z [---] followers, [--] engagements "@honour_can_code @ycombinator No gree for anybody 😂" [X Link](https://x.com/koladeafolabi20/status/1999474383954542730) 2025-12-12T13:40Z [---] followers, [---] engagements "@ngxinvestor That's it. Told myself would only do little BTC spot when it dips 50% of it's high and leave at 2x or 3x. One seems better off with long term traditional investments to be honest" [X Link](https://x.com/koladeafolabi20/status/1999540328760512759) 2025-12-12T18:02Z [---] followers, [--] engagements "2. 500k GI + 800k rent Rent relief = 20% of 800k rent = 160k. Old law: #74667 (14.93% of income) New law: [-----] (14% of income). a. With Monthly MMF tax savings: #841200 - [-------] = [------] in the year (12.8% of income) b. 20% income MMF: [------] - [------] = [------] (12%" [X Link](https://x.com/koladeafolabi20/status/2000224705026850879) 2025-12-14T15:21Z [---] followers, [--] engagements "3. 1M GI Old law: [------] monthly (17.5%) New law: [------] (16.25%) Tax reduction: a. With Monthly MMF tax savings: #1.95M - #189150 (profit on investment) = [-------] tax in the year (14.67%) b. 20% income MMF: #1.95M - [------] = 1.71M in the year (14.31%)" [X Link](https://x.com/koladeafolabi20/status/2000224709862994114) 2025-12-14T15:21Z [---] followers, [--] engagements "4. 1M GI with 1M annual rent Rent relief = 20% of 1M rent = 200k relief Old law: [------] monthly (17.07%) New law: [------] (16.01%) Tax Reduction a With Monthly MMF tax savings: #1.92M - #186251 = [-------] tax for the year (14.4%) b. 20% MMF: #1.92M - [------] = 1.71M(14.3%)" [X Link](https://x.com/koladeafolabi20/status/2000224714627727476) 2025-12-14T15:21Z [---] followers, [--] engagements "@abalu_uthman I also observed this. Reason why I strive not to invest less than $100. But how many people can afford that When I started I used 50k for Nvidia and Berkshire Hathaway. That's 2% fees I just vex though Nvidia made up greatly for it. Dollar MF seems best for USD beginners" [X Link](https://x.com/koladeafolabi20/status/2000267402815455502) 2025-12-14T18:11Z [---] followers, [---] engagements "Congratulations to me I have hit a milestone in my investment journey. I have invested over 1million naira across the US and Nigerian markets at just [--]. I have been highly reluctant to share this. But each time I see gamblers share their wins I'm more convinced I should. [----] is coming to an end. What's your favorite achievement so far [----] is coming to an end. What's your favorite achievement so far" [X Link](https://x.com/koladeafolabi20/status/2002525691926163796) 2025-12-20T23:45Z [---] followers, 12.5K engagements "It's still hilarious when I recall this time a year ago I was highly disappointed that my tap tap tap gave me just $10. [--] months ago renewed interest was sparked in the capital market when @tosinolaseinde analyzed what #100k invested across financial assets yielded" [X Link](https://x.com/koladeafolabi20/status/2002525704404238342) 2025-12-20T23:45Z [---] followers, 29.4K engagements "I've also built my emergency saving fund to 200k with @cowrywise conservative mutual fund. I aim to keep this on into [----] and it can only get better from here. Huge thank you to ALL the financial gurus on this app" [X Link](https://x.com/koladeafolabi20/status/2002525713627501032) 2025-12-20T23:45Z [---] followers, [----] engagements "The thing is I've seen firsthand how gambling and financial recklessness have destroyed many youths. The impact of the investors: @abalu_uthman @compoundinnaira @ProfitableMan1 @ngxinvestor @MudiTheInvestor @oyinkanbadejo The analysts: @Rufyb for NGX financial statements" [X Link](https://x.com/koladeafolabi20/status/2002525717779919056) 2025-12-20T23:45Z [---] followers, [----] engagements "@olumidecapital for market news. Additionally I feast on @Nairametrics drinks & mics as well as Alux for financial education and macroeconomics in general Through YouTube and X I've learned a great deal in recent times. If I can do it you also can Discipline + consistency" [X Link](https://x.com/koladeafolabi20/status/2002525720602685746) 2025-12-20T23:45Z [---] followers, [----] engagements "B2C founders in health need to strip off the technicalities of their solutions & communicate it's value in basic terms if they're interested in covering the vast informal sector I'm particularly guilty towards this though my solution is largely B2B Every founder is a salesperson" [X Link](https://x.com/koladeafolabi20/status/2002562549066445119) 2025-12-21T02:11Z [---] followers, [--] engagements "4. The Paradox of VC Healthtech funding: this was my most interesting part I wholeheartedly believe the purely VC funding model is no longer a viable model for African startups especially healthtech. Healthtechs can't deliver the insane growth demands offered by VCs" [X Link](https://x.com/koladeafolabi20/status/2002562553172595034) 2025-12-21T02:11Z [---] followers, [--] engagements "@ngxinvestor Everyone should have a significant amount of funds in fixed income and MMF. This is especially important as many are investing in the bull market. The bear market shall come" [X Link](https://x.com/koladeafolabi20/status/2002711784848031882) 2025-12-21T12:04Z [---] followers, [--] engagements "@lanreadelowo US and Nigerian Gold ETFs track the real time price of gold. Bamboo trove can be used to purchase $SPDR and $GLD gold etfs" [X Link](https://x.com/koladeafolabi20/status/2003535431904985245) 2025-12-23T18:37Z [---] followers, [---] engagements ". what if I told you the trend shows it has greatly improved as shown below. This is thanks to local & international efforts vaccination & improved healthcare generally The fact that a handful of people lived to [--] doesn't mean most did. High infant & maternal mortality " [X Link](https://x.com/koladeafolabi20/status/2003577025874043093) 2025-12-23T21:22Z [---] followers, [--] engagements "rates eroded such. The standard deviation which accounts for extremes potentially reveals such. Globally humans are living their longest lives [--]. "Inflation is dropping so shouldn't the prices of things start dropping" No inflation is dropping simply means that " [X Link](https://x.com/koladeafolabi20/status/2003577030349324788) 2025-12-23T21:22Z [---] followers, [--] engagements ". the rate at which prices of goods increase is dropping. For example if the price of a crate of eggs in October [----] was #4500 and in October [----] it is #5500 YoY inflation would be [----] - 4500/4500 * [---] = 22.22% yearly inflation. However if in Nov [----] " [X Link](https://x.com/koladeafolabi20/status/2003577034229055909) 2025-12-23T21:22Z [---] followers, [--] engagements ". the price rose to [----] and in Nov [----] it is [----] YoY inflation = 8.78% Did the price of eggs increase YES. But did the rate at which it increased rise NO. It clearly fell. That's how it works. [--]. The stock market is doing great; hence the economy is doing great" [X Link](https://x.com/koladeafolabi20/status/2003577040977707411) 2025-12-23T21:22Z [---] followers, [--] engagements "The financial market is NOT the real economy. Sometimes it is ahead or behind the real economy but saying it's the same is a fallacy. While macroeconomic factors largely influence the equity market the common man is usually concerned with the micro" [X Link](https://x.com/koladeafolabi20/status/2003577045729857762) 2025-12-23T21:22Z [---] followers, [--] engagements "@GPhilcz @CSPensions Can a self-employed individual create an RSA with these guys I need something stress-free as opposed to traditional options" [X Link](https://x.com/koladeafolabi20/status/2004187174766596224) 2025-12-25T13:47Z [---] followers, [---] engagements "@Kalshi The question is when I'm betting on [----]. What with SpaceX IPO and increased $TSLA valuation" [X Link](https://x.com/koladeafolabi20/status/2004326141482668249) 2025-12-25T22:59Z [---] followers, [---] engagements "@jon_d_doe Exactly. The best time to actually do anything major in life is NOW because like it or not inflation is a key factor. You would often say "Start little but not empty"" [X Link](https://x.com/koladeafolabi20/status/2004497256721088994) 2025-12-26T10:19Z [---] followers, [--] engagements "@docneto I agree Chief. Was looking for a cracked UI/UX prototype designer some weeks ago. Put it out on my status and some groups but didn't find good people. Pushed it out on X and I'm overwhelmed by responses. This app is top for real 💯" [X Link](https://x.com/koladeafolabi20/status/2004503627558465786) 2025-12-26T10:44Z [---] followers, [----] engagements "But this isn't the biggest fear I strongly believe the AI battle is geopolitical and would boil down to US tech vs China tech. This is because of the power crisis. Data centers are projected to consume [---] TWh by 2030more than the entire electricity consumption of Japan" [X Link](https://x.com/koladeafolabi20/status/2004545841185661295) 2025-12-26T13:32Z [---] followers, [--] engagements "but it's not that rosy. Chinese companies are winning the physics war but not the financial war. China is particularly notorious for slashing prices due to fierce competition which could significantly impact company revenue. Combine that with structural chip shortfalls " [X Link](https://x.com/koladeafolabi20/status/2004545855706255402) 2025-12-26T13:32Z [---] followers, [---] engagements ". and deflation risks it makes these companies unattractive. Hence investors are considering emerging markets to diversify risks posed by AI companies. Emerging markets in Asia and particularly Nigeria are being used as hedges against the AI concentration risks of Big Tech" [X Link](https://x.com/koladeafolabi20/status/2004545859053342754) 2025-12-26T13:32Z [---] followers, [--] engagements "@OurFavOnlineDoc Enough government revenue. Dubai is damn rich so what does it need taxes for But with the way American billionaires are flocking there I foresee Dubai imposing taxes in the future. That's my view" [X Link](https://x.com/koladeafolabi20/status/2004676676647878860) 2025-12-26T22:12Z [---] followers, [--] engagements "@ngxinvestor Wow I have heard of this index but this is the first time I am actually searching it up From what I saw it's the weight of small and medium cap US companies. It has done 13.76% YTD For me I prefer the VTI which is the entire US stock market. But heavy weights skew the index" [X Link](https://x.com/koladeafolabi20/status/2005548468526555315) 2025-12-29T07:56Z [---] followers, [--] engagements "@TosinOlugbenga Follow @oyinkanbadejo @olumidecapital @tosinolaseinde @Rufyb @TomolaGroup @ProfitableMan1 @ngxinvestor @asemota @abalu_uthman @Skolex5 @Nairametrics @Forbes @FinPlanKaluAja1 Welcome Chief You would love it here" [X Link](https://x.com/koladeafolabi20/status/2005552940111814963) 2025-12-29T08:14Z [---] followers, [----] engagements "@AskMichaelTaiwo People overlook the network advantage certain products have over others. Google can easily pool it's tons of historically search data to train it's AI as opposed openAI. It also had the second mover advantage. In all I am more optimistic on Google's Gemini than openAI chatGPT" [X Link](https://x.com/koladeafolabi20/status/2005553811990126706) 2025-12-29T08:17Z [---] followers, [---] engagements "@TosinOlugbenga Psychology of Money by Morgan Housel. The Richest Man in Babylon by George Samuel Atomic Habits by James Clear" [X Link](https://x.com/koladeafolabi20/status/2005674349588811876) 2025-12-29T16:16Z [---] followers, [---] engagements "For those unfamiliar with what's actually going on through VC funding let me explain. The VC model is composed of [--] main components: [--]. The Limited Partners (LPs): these are the actual entities bringing in the cash. Pension funds University Endowments Family Offices or Sovereign Wealth Funds. They give money to a VC firm to grow it. These are investors; they need extraordinary returns better than the stock market usually targeting 3x5x their money over 7-10 years. They are limited cause they don't have a say in startups to invest in" [X Link](https://x.com/koladeafolabi20/status/2005731515561377956) 2025-12-29T20:03Z [---] followers, [--] engagements "2. The General Partners (Managers): LPs give these to manage. GPs have the task of judiciously utilizing LP's money to invest in promising high-growth startups to meet the high return targets saddled on them from LPs. These are the Venture Capitalists (VCs). They are the ones you see on the website applications you meet them you pitch to them and they sit on your board. They make the decisions. Think of it like a football club. The owners/sponsors are the LPs while the coach is the VC/GP https://twitter.com/i/web/status/2005731520603185160 https://twitter.com/i/web/status/2005731520603185160" [X Link](https://x.com/koladeafolabi20/status/2005731520603185160) 2025-12-29T20:03Z [---] followers, [--] engagements "3. The Fund: the bucket of cash. [--]. The portfolio companies: the products VCs invest in. These portfolios include 100s of companies VCs try to invest in a lot of companies to spread their risk. They need only a few to be successful to cover up for the unsuccessful ones" [X Link](https://x.com/koladeafolabi20/status/2005731524730298699) 2025-12-29T20:03Z [---] followers, [--] engagements "2. Carried Interest: After making good investments VCs get to carry home about 20% of the profits. For example if a fund is worth $100M and the VC in total makes $300M the VC automatically takes home about $40M at the end of the time period. Hence the greater the eventual valuation of the startup the happier VCs are. This is why they're so obsessed with unicorn potential startups" [X Link](https://x.com/koladeafolabi20/status/2005731533739393388) 2025-12-29T20:03Z [---] followers, [--] engagements "But you might ask how do VCs make their profits. How VCs Make Their Profit (The [--] Liquidity Events) VCs only make real money when they can convert their shares back into cash. This is called a "Liquidity Event." Here are the three ways it happens: [--]. Acquisitions (Exits) This is when a larger company buys the startup completely. The acquiring company pays cash (or its own stock) for the startup's shares. The VC takes their cut and exits. Example: Stripe buying Paystack. The early investors were paid out immediately. https://twitter.com/i/web/status/2005731538659356985" [X Link](https://x.com/koladeafolabi20/status/2005731538659356985) 2025-12-29T20:03Z [---] followers, [--] engagements "2. IPOs (Initial Public Offering) What it is: The startup lists its shares on a public stock exchange (like the NYSE or NGX). How the VC gets paid: Once the company is public the VC can sell their shares to ordinary investors on the open market. Example: Jumia listing on the NYSE. https://twitter.com/i/web/status/2005731542857900306 https://twitter.com/i/web/status/2005731542857900306" [X Link](https://x.com/koladeafolabi20/status/2005731542857900306) 2025-12-29T20:03Z [---] followers, [--] engagements "3. Secondary Sales Here the VC sells their shares to another private investor before the company goes public or gets bought. How the VC gets paid: A late-stage investor (like a Private Equity firm) buys the early VCs stake to get into the deal. The early VC cashes out while the new investor waits for the IPO. Why it matters: This is becoming very common in Africa because IPOs take a long time to happen. https://twitter.com/i/web/status/2005731548478292137 https://twitter.com/i/web/status/2005731548478292137" [X Link](https://x.com/koladeafolabi20/status/2005731548478292137) 2025-12-29T20:04Z [---] followers, [--] engagements "So one thing is common: VCs need startups that have the potential of becoming large unicorns. But given Africa's unique economic climate this isn't really possible. Africa just doesn't have the economy to support a lot of unicorns. Everyone throws around the data that Nigeria has about [---] million people but no one talks about the meager purchasing power of the average Nigerian" [X Link](https://x.com/koladeafolabi20/status/2005731553821794461) 2025-12-29T20:04Z [---] followers, [--] engagements "The addressable market is a lot smaller as much of the average African is grappling with necessities. VCs need a clear growth model to validate their thesis. Recall I said that investors have only [--] main ways to make money through acquisitions IPOs and secondary sales" [X Link](https://x.com/koladeafolabi20/status/2005731558544793613) 2025-12-29T20:04Z [---] followers, [--] engagements "The VC model puts founders under more and more pressure to not only meet VCs revenue targets but ensure they raise multiple rounds to bolster valuations so that previous ones exit. This could work for fintechs but in other aspects such as healthtechs this model has been a fallacy indeed. There is not a single successful healthtech startup that proceeded the purely VC model. Those who tried have failed" [X Link](https://x.com/koladeafolabi20/status/2005731572779979017) 2025-12-29T20:04Z [---] followers, [--] engagements "So which model should founders embrace The blended model. The blended model involves utilizing not only VC but various funding models to keep your startup alive. They include: [--]. Bootstrapping: everyone starts here; it's basically using personal funds to build. [--]. Revenue-Based Financing: You borrow money and pay it back as a percentage of your monthly revenue (e.g. 5% of gross income) until you pay back a fixed cap (e.g. 1.5x what you borrowed). https://twitter.com/i/web/status/2005731577783886003 https://twitter.com/i/web/status/2005731577783886003" [X Link](https://x.com/koladeafolabi20/status/2005731577783886003) 2025-12-29T20:04Z [---] followers, [--] engagements "5. Strategic Partnerships: if you're a B2B you could partner with organizations to deploy your solution for a fee and use the profit to fund the product. [--]. Incubators and Accelerators: they literally guide/mentor founders into the market and the process of running a startup with the aim of magnifying market reach and eventual fundraising. [--]. Debt financing: this involves taking low-interest loans from BoI and development banks with the promise of paying single-digit interest over time which could be much more viable than VCs' targets in specific situations" [X Link](https://x.com/koladeafolabi20/status/2005731586537320858) 2025-12-29T20:04Z [---] followers, [--] engagements "So as opposed to VCs who are investors these entities aren't. All but the last are literally giving you "free" money; hence there's no pressure to make exponential returns. You can actually focus on building a business rather than aggressively chasing valuations and "growth" which isn't usually feasible in the early stages of building startups right now in Africa. https://twitter.com/i/web/status/2005731591822147972 https://twitter.com/i/web/status/2005731591822147972" [X Link](https://x.com/koladeafolabi20/status/2005731591822147972) 2025-12-29T20:04Z [---] followers, [--] engagements "FINAL THOUGHTS Redefining Success: For too long we have outsourced our definition of success to foreign investors. We celebrated valuation announcements as if they were profit declarations. But as the funding winter of 2024/2025 has taught us valuation is vanity; revenue is sanity; and cash is king. The case against the purely VC model isn't a rejection of venture capital itselfVC is still a powerful tool for the right stage. It is a rejection of VC as the only tool" [X Link](https://x.com/koladeafolabi20/status/2005731596587131135) 2025-12-29T20:04Z [---] followers, [--] engagements "The most successful African companies of the next decade won't be the ones that raised the most money. They will be the ones who figured out how to solve hard problems while respecting the brutal economic laws of the continent. They will use a blend of grants to innovate debt to scale assets and equity to expandbut ultimately they will rely on their customers not their investors to keep the lights on. The Unicorn is a myth. The Camel is real. It's time to build accordingly. And realize that only Africans can solve Africa's hardest problems. See ya later ❤" [X Link](https://x.com/koladeafolabi20/status/2005733592501215743) 2025-12-29T20:12Z [---] followers, [--] engagements "This is an amazing read. I love how it touched every aspect of global economy. These are my key takeaways from each section: [--]. It is understandable why many companies are just staying private rather than going public. I was particularly monitoring @figma IPO. Indeed the public markets heavily discounted the paper valuations of the private market. The price discovery offered by the public markets can't be compared to the private markets. In all I'm expecting an increase in secondaries in [----] which provide a middle-ground between the scrutiny of the public markets and a measure of price" [X Link](https://x.com/koladeafolabi20/status/2005770878404252014) 2025-12-29T22:40Z [---] followers, [----] engagements "2. Structural inflation was interesting and I largely agree on this too. US inflation averaged 3% still up from the Fed's target of 2%. But it doesn't really seem like that prices are increasing unemployment rate reaching all time highs and no one seems concerned about the debt. The odds of structural inflation increasing under the hood while core inflation remains edged is scary and somewhat looks divergent. In all curious for what [----] would be. https://twitter.com/i/web/status/2005770882237501559 https://twitter.com/i/web/status/2005770882237501559" [X Link](https://x.com/koladeafolabi20/status/2005770882237501559) 2025-12-29T22:40Z [---] followers, [--] engagements "3. Yeah we're to expect further rate cuts in [----]. I mean though the last GDP numbers were stellar we aren't getting those magnificent job additions MoM. The economy has to be stimulated. But I also love your caution emphasizing "Return OF capital" rather than the tradition "Return ON capital" due to the increased risk of underlying assets thanks to geopolotical instability and what nots. It's really a caution investors must take to heart as we enter the new year; due to increased risk appetite triggered by the rate cuts. VC and PE investors should still chase quality and if possible dividend" [X Link](https://x.com/koladeafolabi20/status/2005770885169336633) 2025-12-29T22:40Z [---] followers, [--] engagements "3. "The Bubble Toil and Trouble" Also exciting one can't ignore the bubble posed by AI's meteoric rise. The magnificent [--] have ballooned in capitalization while mid and small scap have suffered due to such heavy concentration. Fortunately they have enough capital to inject despite actual AI revenue FAR below Capex - a fallacy. Big Tech seems to be heavily betting that AI would pay off in the long run. It's just a question of "How long" I honestly don't think this is healthy but it's just the psychology of the average investor. It was no surprise that AI startups received most of the funding." [X Link](https://x.com/koladeafolabi20/status/2005770887996301539) 2025-12-29T22:40Z [---] followers, [--] engagements "In all this was a brief summary of my key takeaways. Articles like that not only summarize the year but are a vital eyeopener of what to watch out for in [----]. Of recent being immersed in the end of year reviews and podcasts of successful healthtech investors and founders have given me cheat sheets of investment opportunities and hotstpots of what to watch out for as a young healthtech founder" [X Link](https://x.com/koladeafolabi20/status/2005770905335820407) 2025-12-29T22:40Z [---] followers, [--] engagements "Hopefully this has motivated someone out there to read the full thing as we step into the new year. I also write though not as regular on X and Medium. Around mid-year I wrote this particular one following the rebound of equities despite tarrifs shinenigans: Whether one is a founder regular individual or investor global economy concerns every one of us. https://medium.com/@koladeafolabi2020/would-the-stock-markets-always-go-up-770e311f0ada https://medium.com/@koladeafolabi2020/would-the-stock-markets-always-go-up-770e311f0ada" [X Link](https://x.com/koladeafolabi20/status/2005770908221256167) 2025-12-29T22:40Z [---] followers, [--] engagements "@eldivyn "The land of opportunities". Why seeing some Nigerians try to compare London to the US is appaling" [X Link](https://x.com/koladeafolabi20/status/2005959509483684165) 2025-12-30T11:09Z [---] followers, [----] engagements "MY "FANTABULOUS 10" FINANCIAL ASSETS FOR [----] Before [----] Big Tech was ALL that mattered. Coined in the 90s but assuming dominance in [----] Big Tech is a fancy term for the biggest and most dominant US technology companies that quietly power global IT infrastructure. They are Microsoft Apple Amazon Alphabet (formerly Google) and Meta (formerly Facebook). https://twitter.com/i/web/status/2006348954716319781 https://twitter.com/i/web/status/2006348954716319781" [X Link](https://x.com/koladeafolabi20/status/2006348954716319781) 2025-12-31T12:57Z [---] followers, [----] engagements "1. Amazon $AMZN: "Amazon" "But Amazon isn't doing anything in AI". Everyone's seeing a retailer; I see an AI data infrastructure. As AI keeps swallowing increasing loads of data all these would need infrastructure to sit on. And yeah what other giant than AWS cloud services Think of it they have the scale to dominate the industry scaring off new players. And I also feel they would pull something soon in AI" [X Link](https://x.com/koladeafolabi20/status/2006348976992203261) 2025-12-31T12:57Z [---] followers, [---] engagements "2. Tesla $TSLA: Okay from a P/E angle this guy is overvalued. Trading at the highest p/e of the magnificent [--] at a staggering 212x forward pe. But this isn't the first time Tesla has been in this boat in [----] p/e ratio swung to about 1000x" [X Link](https://x.com/koladeafolabi20/status/2006348980532531651) 2025-12-31T12:57Z [---] followers, [---] engagements "AI demand is expected to keep soaring and CapEx across Big Tech is set to cross $500bn. Combine that with the ecosystem Mr. Musk has placed around his products (xAI would definitely rely on Tesla's energy system. And though a bit futuristic data centers in the moon) $TSLA looks like a risky but worthy bet for the next decade" [X Link](https://x.com/koladeafolabi20/status/2006348991882031351) 2025-12-31T12:57Z [---] followers, [---] engagements "3. Gold: it's really what everyone has been saying. Central banks begun a large scale purchase of gold over growing geopolitical tensions and tarrif wars. Central banks would only keep buying gold in [----] as investors are looking at diversifying risk from the US economy. Though it's current prices make it look at a massive premium there's definitely potential for increased upside https://twitter.com/i/web/status/2006348996323725585 https://twitter.com/i/web/status/2006348996323725585" [X Link](https://x.com/koladeafolabi20/status/2006348996323725585) 2025-12-31T12:57Z [---] followers, [---] engagements "4. Bitcoin $BTC: The self acclaimed "digital gold" has largely disappointed Wall Street in [----] closing 6% lower than in the start of [----]. But when you look at things critically it's not as bad as we think. I mean $BTC hit 126k in October and any wise investor knew that was the top. I believe this cycle has topped but would be awaiting a modest 40% retracement before I begin stacking up. From it's track record the only way forward is UP. More institutions would only keep adopting it and that would 2x the current price" [X Link](https://x.com/koladeafolabi20/status/2006348999607898116) 2025-12-31T12:57Z [---] followers, [---] engagements "5. The Real Moonshot of the Decade - SpaceX (Potential IPO): You know things are getting serious when the world's most valued private company is considering going public as soon as [----] at a potential $1.5trillion. If this happens this behemoth would stand beside $TSLA in the $1tn club. https://twitter.com/i/web/status/2006349002980122815 https://twitter.com/i/web/status/2006349002980122815" [X Link](https://x.com/koladeafolabi20/status/2006349002980122815) 2025-12-31T12:57Z [---] followers, [---] engagements "Also Elon has announced that xAI attempts to set up data centers in the moon. And guess what would transport materials there. Yep SpaceX. These combined with it's sheer brutality in execution makes this company a national treasure. By investing in SpaceX you are betting on Western civilization" [X Link](https://x.com/koladeafolabi20/status/2006349013302264236) 2025-12-31T12:57Z [---] followers, [---] engagements "Local Companies [--]. GTCO: Excellent business. Let's look at the Q3 numbers yes profit before tax stood at #900.8billion a 26% drop from last year's #1.2trillion. Less profits on paper but the fundamentals solidified GTCO made nice profits from the naira devaluation in [----] but that has halted; hence those fair value gains have been erased from their books. But at the core interest from loans was up 25.6%. Assets have grown to a staggering #16.66 trillion. https://twitter.com/i/web/status/2006349017643364753 https://twitter.com/i/web/status/2006349017643364753" [X Link](https://x.com/koladeafolabi20/status/2006349017643364753) 2025-12-31T12:57Z [---] followers, [---] engagements "Even if CBN decides to recapitalize GTCO can comfortably meet the requirements without sweating. As opposed to some other tier [--] banks. And though some people cite reducing interest rates to plummet profits I don't think so. It would be a benefit as it would reduce the cost risk associated with non-performing loans which were approximately #145 - #150 billion. Already that's just a decent 4% of revenue. I easily see it trading at 2x its value in subsequent months. And if we can effectively sustain macroeconomic stability and achieve growth in both macros and micros we could see #500 in the" [X Link](https://x.com/koladeafolabi20/status/2006349021187653949) 2025-12-31T12:57Z [---] followers, [---] engagements "7. ZENITHBANK:This one is a silent monster. Popularly known as Nigeria's most profitable bank this tier [--] bank has shown increased resilience and sustained growth that has weathered various macroeconomic climes. As banking sector reforms and recapitalization run over in [----] behemoths like this guy would only flourish better. https://twitter.com/i/web/status/2006349024459174246 https://twitter.com/i/web/status/2006349024459174246" [X Link](https://x.com/koladeafolabi20/status/2006349024459174246) 2025-12-31T12:57Z [---] followers, [---] engagements "8. MTNN:The fx risks that hurt it's business model has been largely minimized thanks to a stable exchange rate. Combine that with it's market dominance (2x more subscribers than Airtel which is second) you see a business that has gained scale that would allow it thrice. What with glo and 9mobile going out of business there's only one clear winner. https://twitter.com/i/web/status/2006349027843957185 https://twitter.com/i/web/status/2006349027843957185" [X Link](https://x.com/anyuser/status/2006349027843957185) 2025-12-31T12:57Z [---] followers, [---] engagements "Concerning this credit of a thing it's definitely coming. The signs are there. However the focus now is to lower inflation. Opening up credit injects money into the economy which isn't really viable considering where we're coming from. I expect more credit schemes to come in late [----] as inflation softens. https://twitter.com/i/web/status/2006389310916887029 https://twitter.com/i/web/status/2006389310916887029" [X Link](https://x.com/koladeafolabi20/status/2006389310916887029) 2025-12-31T15:37Z [---] followers, [----] engagements "It's also interesting cause just a few days ago there was a debate here on X about those in diaspora who come back. I can just imagine the reactions she faced even considering such a move. And this is where a lot of individuals get it wrong. Sometimes it's not just about financial gain. There's a certain kind of fulfillment gained from actually contributing your quota in solving the nation's hard problems either through capital investment or technology" [X Link](https://x.com/koladeafolabi20/status/2006880160776122634) 2026-01-02T00:08Z [---] followers, [--] engagements "That deliberate choice to invest in Africa stood out. In general we need more Africans willing to bet on ourselves. The next section that caught my eye was: "INNOVATION FOR BOREDOM VS SURVIVAL" It was a beautiful watch and it's largely the truth. Ever since the 70s the West has done little innovation into the physical word (I sometimes call this the real economy) and started "innovating for boredom" (social media faster delivery entertainment). This has left a gap currently being filled by developing economies like India China and even Africa" [X Link](https://x.com/koladeafolabi20/status/2006880164563517653) 2026-01-02T00:08Z [---] followers, [--] engagements "She explained that nearly every nation has something they niche down on. Dubai was efficient in oil refining. Singapore was financial services. China is manufacturing. Taiwan is advanced chip making. Hence for Nigeria we could actually pick just one thing in the physical world and niche down on it. https://twitter.com/i/web/status/2006880167952572889 https://twitter.com/i/web/status/2006880167952572889" [X Link](https://x.com/koladeafolabi20/status/2006880167952572889) 2026-01-02T00:08Z [---] followers, [--] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@Labzy_kid Steve_Addy
Steve_Addy posts on X about money, nigeria, in the, investment the most. They currently have [---] followers and [---] posts still getting attention that total [-------] engagements in the last [--] hours.
Engagements: [-------] #
- [--] Week [------] +351%
- [--] Month [------] -40%
- [--] Months [-------] +23,253%
- [--] Year [-------] +46,807%
Mentions: [--] #
- [--] Month [--] -77%
- [--] Months [---] +1,891%
- [--] Year [---] +11,350%
Followers: [---] #
- [--] Week [---] +5.90%
- [--] Month [---] +9.90%
- [--] Months [---] +160%
- [--] Year [---] +184%
CreatorRank: [---------] #
Social Influence
Social category influence finance countries technology brands stocks currencies automotive brands cryptocurrencies travel destinations exchanges social networks
Social topic influence money, nigeria #2556, in the, investment, inflation, stocks, china, if you, ai, the world
Top accounts mentioned or mentioned by @joebrendan @enife001 @vuyo80447140 @abaluuthman @ngxinvestor @mrbendel01 @tosinolugbenga @docneto @ovoshedy @compoundinnaira @jonddoe @asemota @ycombinator @investbamboo @tosinolaseinde @naijaflyingdr @profitableman1 @oyinkanbadejo @bingdong17 @echekaf
Top assets mentioned Tesla, Inc. (TSLA) Alphabet Inc Class A (GOOGL) Bitcoin (BTC) SPDR GOLD ETF (GLD) iShares BTC Trust (IBIT) NVIDIA Corp. (NVDA) Doge Jones Industrial Average (DJI) Apple, Inc. (AAPL)
Top Social Posts
Top posts by engagements in the last [--] hours
"4. Analyze During Schooltrade Live during Holidays: This is so because trading requires alertness. This is very hard during secondary school. I learnt it the hard way. We were writing chemistry test that day and I placed FTM. Apart from the emotional imbalance I still hit SL 😂"
X Link 2023-08-22T13:34Z [---] followers, [---] engagements
"Many people claim to trade news and promptly screenshot once it gives that sniper. However after a few minutes it quickly reverses hitting their Loss. So what went wrong A thread 🧵"
X Link 2023-09-16T14:21Z [---] followers, [---] engagements
"Let's begin with the psychology of news. Why does market react to news anyway The market moves with demand and supply. News is a strong indicator concerning the strength of an economy. This is what makes institutions buy a currency over the other - trust in the country's economy"
X Link 2023-09-16T14:21Z [---] followers, [---] engagements
"The world's major economy is that of the U.S. Hence all currencies have the USD as the base pair. Therefore any news that concerns it concerns all other countries. The Federal Reserve(Fed) is the US central bank responsible for these decisions. Note: The DXY measures $ strength"
X Link 2023-09-16T14:21Z [---] followers, [--] engagements
"The principle we'll be using is any news that's good for the U.S. economy is good for USDxxx pairs and the dollar index (DXY) while the inverse is good for xxxUSD pairs. Baring this in mind let's continue Note: Forexfactory and tradingview can be used to check for news"
X Link 2023-09-16T14:21Z [---] followers, [--] engagements
"1. NFP: This is the highest impact news. It is the measure of the number of workers in the US. The higher this number the stronger the US economy as investors would decide to buy USDxxx & sell xxxUSD pairs. More jobs means a stronger economy while a lower report is bad for USD"
X Link 2023-09-16T14:21Z [---] followers, [--] engagements
"The NFP news is also called Non-Farm Employment change. We also have unemployment rate which is the direct opposite of it"
X Link 2023-09-16T14:21Z [---] followers, [--] engagements
"2. FOMC: this is regarding interest rate change. To explain when someone takes loans he or she pays interest on it. When interest rates are hiked people borrow less cause they'll have to pay more interest. This scarcity of USD leads to a demand for it and the inverse for xxxUSD"
X Link 2023-09-16T14:21Z [---] followers, [---] engagements
"3. Gross Domestic Product (GDP): This is a quarterly report that reports the total value of all goods produced in a country. It is a general report that obviously measures the strength of the U.S. The higher this is the higher the DXY"
X Link 2023-09-16T14:21Z [---] followers, [---] engagements
"4. Consumer Price Index (CPI) PPI and PCE: these three measure inflation. A rise in inflation is bad for the U.S. economy leading to a sell of USDxxx pairs and a buy of xxxUSD pairs. Our country Nigeria is a typical example of this"
X Link 2023-09-16T14:21Z [---] followers, [--] engagements
"5. Retail Sales Data: This measures the amount of consumer goods and services sold. This important cause an increase in spending indicates a robust economy leading to an increase in DXY and USDxxx pairs and for the inverse vice versa"
X Link 2023-09-16T14:21Z [---] followers, [--] engagements
"6. Speech of FOMC member especially Chair Jerome Powell: This is also important as during these meetings information is usually given as to whether there'll be a hike in interest rates or not. He also talks on the state of the U.S. economy"
X Link 2023-09-16T14:21Z [---] followers, [--] engagements
"7. U.S. Trade Balance Report: it is the difference between the U.S. exports and imports. If the U.S. exports more than it imports it has a trade surplus which is considered positive for the USD and vice versa"
X Link 2023-09-16T14:21Z [---] followers, [--] engagements
"In conclusion tradingview offers a way to monitor the above comparisons and in this screenshot you can clearly see the actual vs the expected. Using the following you should be able to do a better job at news trading"
X Link 2023-09-16T14:21Z [---] followers, [--] engagements
"Last week I promised I'll be releasing part [--] of this thread. Will be releasing it today by 8p.m. and we'll be practicing with this week's fundamentals. I'll also be sharing my mistakes Turn on notifications 🔔 Pair: AUD/USD"
X Link 2023-09-23T10:43Z [---] followers, [--] engagements
"They often say: "Experience Is the Best Teacher" But this is not always true for there are some experiences in trading that you can never recover from. I don't want you to make these mistakes. Open this thread 🧵👇👇"
X Link 2023-09-29T19:58Z [---] followers, [----] engagements
"It's 1:25pm you have a pending trade but you remember there's NFP in the next [--] mins. You close the trade but few minutes later you check and your trade could have triggered. But why did you close it Let's get this right 💪 Open this thread 👇👇👇"
X Link 2023-10-08T14:04Z [---] followers, [----] engagements
"In part [--] we treated the theoretical aspect of news trading but now we'll delve into the charts. We'll examine Aussie price action and the impact of [--] major news in the past two weeks. Check out Pt. [--] if you haven't 👇"
X Link 2023-10-08T14:04Z [---] followers, [---] engagements
"CASE STUDY 1: AU - [--] September [----] From this you'll notice that on news days during kill zones (6 - 8p.m.(KZs) especially market always uses the previous highs or lows as liquidity. Therefore we could have this as our liquidity"
X Link 2023-10-08T14:05Z [---] followers, [---] engagements
"Price took out that liquidity as PCE news drops. The PPI numbers came out lower than expected which is good for the USD and bad for all xxxUSD pairs. Remember this 🌚"
X Link 2023-10-08T14:05Z [---] followers, [---] engagements
"Little indecision candle on LTF and market sold aggressively printing over [---] pips respecting TA and news. Market has already taken out a high during London so there's no need to take out that extreme. Evidence dey 🥲"
X Link 2023-10-08T14:05Z [---] followers, [---] engagements
"It triggered on the fifth but market movement was slow no momentum. It formed trendline Liquidity needing to be taken out. However I had a wide SL so I didn't fret"
X Link 2023-10-08T14:05Z [---] followers, [--] engagements
"At 1:30p.m. numbers for NFP comes in higher than expected leading to sell which took out trendline and double bottom liquidity (2 Liquidities) However unemployment rate comes in higher good for xxxUSD"
X Link 2023-10-08T14:05Z [---] followers, [---] engagements
"We reacted to the demand zone at the extreme of the leg taking out all the liquidity Asian and London session did. It has printed over [--] pips evidence 🥲👇👇"
X Link 2023-10-08T14:05Z [---] followers, [---] engagements
"Therefore what have you learnt from this [--]. Overall market structure is respected [--]. Price does react to news. [--]. All liquidities are taken out cause market heads for extreme. [--]. It eventually aligns with overall structure as the charts themselves is the representation of news"
X Link 2023-10-08T14:05Z [---] followers, [--] engagements
"These steps are easier for certain less volatile pairs such as AU NU USD/CHF etc. It's a bit harder for major pairs like EU GU and gold. But it works 🙂. Backtest it yourself. Tip: during news trading less volatile pairs might be a nice option if the volatility scares you"
X Link 2023-10-08T14:05Z [---] followers, [--] engagements
"@Kelvin_Graph The EUR/CHF had inducement this one doesn't"
X Link 2023-10-08T18:36Z [---] followers, [--] engagements
"Market is opening in a few hours. Here are some fundamentals: Bank holiday tomorrow CPI news on Thursday. So what are you up to 🤔 #forextrading #forextrader #XAUUSD #audusd"
X Link 2023-10-08T19:02Z [---] followers, [---] engagements
"@Vee_forex Futures trading is what most of us are. Predicting the price of fx pairs. Forex trading involves trading these currencies themselves"
X Link 2023-10-17T12:55Z [---] followers, [----] engagements
"Hope you're making money today Structure + liquidity + candlestick reversal pattern Learn from the chart GM to my [---] active followers. Say it back 👍😃 @midrizzy1 #Bitcoin #forex"
X Link 2023-10-24T08:13Z [---] followers, [---] engagements
"@Chartswithmax @GlowNodefx EUR/JPY"
X Link 2024-01-11T03:39Z [---] followers, [--] engagements
"@honour_can_code Because Nigeria is yet to have an excellent Fintech system"
X Link 2024-05-17T19:45Z [---] followers, [---] engagements
"@only1DD_FX @Vix_Mayor @Kelvintalent_ @midrizzy1 Dope shiii"
X Link 2024-12-23T11:18Z [---] followers, [---] engagements
"@TNIPodcaster @grok is this true"
X Link 2025-06-15T16:13Z [---] followers, [---] engagements
"Good evening X. Historians say the first financial crash was the Tulip Bubble of [----] [---] years ago. With the global stock market at record highs cryptocurrency is in a frenzy; it feels like the worst is finally behind us"
X Link 2025-07-14T16:21Z [---] followers, [---] engagements
"The Nigerian markets are open. And GTCO takes the lead becoming the first Nigerian bank to hit the #100 per share mark as the [--] trillion naira bank targets 15% dividend yield. Cheers to all shareholders 😍✅ #ngx"
X Link 2025-07-16T09:54Z [---] followers, [---] engagements
"@AvaxDevelopers Is this real 🤭 Avalanche - the no. [--] Layer [--] Ethereum solution noticed me. Thank you Today is day [--] and it's going excellently well. If there's a slot in there for an internship I would appreciate it. And oh I write on blockchain web3 & stocks https://medium.com/coinmonks/why-ethereum-is-one-of-the-greatest-disruptions-in-technology-in-my-opinion-9c25e31ab4bf https://medium.com/coinmonks/why-ethereum-is-one-of-the-greatest-disruptions-in-technology-in-my-opinion-9c25e31ab4bf"
X Link 2025-07-22T19:54Z [---] followers, [--] engagements
"It's common knowledge that the prices of assets in the financial market are determined by demand and supply. When demand is more than supply prices tend to rise & when the inverse happens prices fall. But how exactly does that happen They wouldn't teach you this in school🧵"
X Link 2025-07-23T16:29Z [---] followers, [--] engagements
"Let's begin with an example. Imagine you're in an open market wherein tomatoes are grouped for purchase. Some sellers are shouting #500 per plate some #450 others #400. From the corner of your ears you can hear buyers calling out #350 & #380 as prices they're willing to pay"
X Link 2025-07-23T16:29Z [---] followers, [--] engagements
"US GDP rises by 3% in advanced GDP q/q reports beating analysts estimates of 2.5%. Weak reaction by equities . perhaps they await the actual GDP or tonight's interest rates decision by the Fed #equities #sp500"
X Link 2025-07-30T16:07Z [---] followers, [--] engagements
"US jobs data is out Equities tumbled 🩸 gold is flying following weaker numbers. NFP missed analysts' estimates of 106k coming in at 76k instead. Is it just a pullback or a potential correction I bet on the former see you next week NB: Not financial advice #NFP"
X Link 2025-08-01T15:02Z [---] followers, [--] engagements
"The real economy lies in the manufacturing of goods & services. As the Nigerian capital markets extend their rally it's important to pay attention to that aspect. This is an excerpt of my full article "Would the stock market always Go Up" Check the pinned post on my profile 💯"
X Link 2025-08-08T10:32Z [---] followers, [--] engagements
"Though I wasn't first We won a decent cash prize I had the opportunity to connect with industry professionals. It opened the avenue for a future partnership. I sincerely appreciate everyone that voted and reposted across various social media platforms"
X Link 2025-08-17T14:02Z [---] followers, [--] engagements
"Your votes went a long way into helping us secure this. I am grateful to @ecobank and @heaveventures for this amazing opportunity they've availed to encourage young techies. We aren't done with StrippleCare. We would proceed with the prototype and pilot phases"
X Link 2025-08-17T14:02Z [---] followers, [--] engagements
""Diversification is the only free lunch in investing." said Harry Markowitz You don't need to be a financial wizard to begin your investment journey. In this thread I shall discuss three money machines that could set newbies up for life. Walk with me NB: Not financial advice"
X Link 2025-08-19T22:29Z [---] followers, [--] engagements
"When I began my investment journey the process of picking stocks of individual companies was mind-boggling and time-consuming. High reward if it moons but risky if it tanks. Exchange Traded Funds (ETFs) Think of them as a smart basket of stocks (or assets) bundled together"
X Link 2025-08-19T22:29Z [---] followers, [--] engagements
"Not just stocksETFs cover commodities too. Gold ETFs like State Street's $GLD let you invest in gold without storing bars. Bitcoin ETFs also exist ($IBIT) which offer traditional investors exposure to the crypto market. No need for crypto wallets; trade like stocks"
X Link 2025-08-19T22:29Z [---] followers, [--] engagements
"Fun fact: Most ETFs are managed by asset management firms like BlackRock ($IBIT) Vanguard ($VOO) StateStreet($SPDR) and Investico ($QQQ). Professionals who handle trillions ensuring liquidity reliability & low fees The big [--] are the biggest shareholders in 88% of the S&P500"
X Link 2025-08-19T22:29Z [---] followers, [--] engagements
"Following the dip I've been seeing "Buy the dip" over the timeline. But just wanted to remind you to buy dips of fundamentally strong companies. Fundamentally weak companies could send you to the village. Good morning Happy investing #StockMarket #ngx"
X Link 2025-08-20T09:10Z [---] followers, [--] engagements
"JUST IN: US equities erase this week's losses as Fed Chair Jerome Powell hints rate cuts by September in Jackson Hole speech #StockMarket #FED"
X Link 2025-08-22T17:09Z [---] followers, [--] engagements
"MARKET WRAP🔔: Investors gained about $222.3 billion in the major US stock markets today led by $NVDA and $TSLA. $SPY - 🔼645.14 (+0.41%) $QQQ - 🔼572.63 (+0.40%) $DJI - 🔼45418.06 (+0.30%) Source: Tradingview"
X Link 2025-08-26T20:36Z [---] followers, [---] engagements
""Learn a tech skill" But lately I've figured out that not everyone would learn tech. This thread is particularly tailored to undergraduates looking to build an investment portfolio. The truth remains: Earning is the foundation of investing. Young man and woman walk with me"
X Link 2025-08-29T19:00Z [---] followers, [--] engagements
"While US equities slept on labour day gold quietly broke through the $3500 mark to record a new all time high of $3508. The yellow metal has now gained over 34% this year alone it's highest yearly gain since [----] and tripled the returns of the S&P500 in [----] $GLD #GOLD"
X Link 2025-09-02T06:43Z [---] followers, [--] engagements
"Tencent Holdings is the most valued publicly listed Chinese company worth about $689 billion. The multinational conglomerate owns WeChat and operates a vast network of value added services that span online advertising fintech and business services. Source: companiesmarketcap"
X Link 2025-09-04T17:54Z [---] followers, [--] engagements
"$445 billion 💰 was added to major US stock market today i.e. the S&P500 amidst strong buying pressure in $MSFT $BRK others. The index is set to record a fresh yearly high as investors traders eye tomorrow's jobs data NB: figures sourced from slickcharts tradingview"
X Link 2025-09-04T20:40Z [---] followers, [---] engagements
"Apple stock is relatively flat in post-market trading hours as the 3rd largest company in the world released its flagship product - the iPhone [--] series alongside Apple Watch Series [--] & Ultra [--] and AirPods Pro [--]. $AAPL #AppleEvent"
X Link 2025-09-09T21:42Z [---] followers, [---] engagements
"Hey @bamboo. I'm Kolade a 200L software engineering student passionate about fintech. I began investing this year with your app and I was impressed. I'm a front end developer with [--] years experience. An internship or role is all I ask; I'm confident I would make an impact Don't be shy just tag the company you wish to work for. Don't be shy just tag the company you wish to work for"
X Link 2025-09-13T21:26Z [---] followers, [---] engagements
"Hey @investbamboo I'm Kolade a 200L software engineering student passionate about fintech. I began investing this year with your app & I was impressed. I'm a front end engineer with 3+ years experience. An internship or role is all I ask; I'm confident I would make an impact Don't be shy just tag the company you wish to work for. Don't be shy just tag the company you wish to work for"
X Link 2025-09-15T06:41Z [---] followers, [----] engagements
"The short answer: About [--] years ago after World War [--] a group of [--] countries decided to sit down and back the United States Dollar to gold establishing it as a global standard for America had a robust reserve (60%). World War [--] had shattered Britain and much of Europe How and why is the $ the official trade currency of the world even though it is weaker than the What is the hope of and how can it be improved Explain to me like a 10-year-old How and why is the $ the official trade currency of the world even though it is weaker than the What is the hope of and how can it be improved Explain"
X Link 2025-09-15T10:48Z [---] followers, [---] engagements
"And concerning the pound it's more valued mainly because it's scarcer and the UK has a smaller economy. However this doesn't automatically mean it's "better" for trade. Ease of use is a huge factor in determining a trade currency. is also more valued thanks to her OG status"
X Link 2025-09-15T10:48Z [---] followers, [--] engagements
"Hope For Naira. A key to the naira's improvement lies in economic diversification. Right now a huge bulk of revenue stems from oil tying the naira's value to the rise and fall of oil prices which have stalled recently. Corruption and poor economic policy have also eroded trust"
X Link 2025-09-15T10:48Z [---] followers, [--] engagements
"@ronaldnzimora You cannot invest in Chinese stocks the traditional way because the market is closed and highly regulated. The easiest way is via ADRs Chinese companies that have been listed on the NYSE. Alibaba and a few others make this list"
X Link 2025-09-18T09:28Z [---] followers, [----] engagements
"China's BYD is the world's largest EV manufacturer by sales volume and revenue surpassing Tesla others. The Chinese company is currently worth about $136 billion far less than Tesla's $1.2 trillion"
X Link 2025-09-22T13:53Z [---] followers, [--] engagements
"The code and the result. First time using chakraui component library to build a production-ready React web application. Tailwind and those long classnames are exhausting sometimes. So did I cook 🙂"
X Link 2025-09-23T14:46Z [---] followers, [--] engagements
"@WhakeeSui @web3confenugu @DerekSilva @Reef_Chain @nextbridge_afr @defiboyszn Congratulations. You look good 💯"
X Link 2025-09-29T07:16Z [---] followers, [--] engagements
"Let's begin by acknowledging the truth - Companies fold up - Financial crisis could erode investments - Inflation is also a huge monster. Hence the goal isn't chasing returns it's resilience -a portfolio that survives shocks and grows over decades. These rules can guide you 👇"
X Link 2025-09-29T19:24Z [---] followers, [--] engagements
"Rule 1: Diversification: most people that cry about investing today put all their eggs in one basket a fallacy. A diversified portfolio not only diversifies in stocks but across financial assets. Remember stocks are just one we have bonds commodities real estate etc"
X Link 2025-09-29T19:24Z [---] followers, [--] engagements
"Diversification also means betting on emerging markets For now the US financial market is the de facto standard for global investment but have you considered others Though it's unlikely what could happen to your investment if the bubble bursts there are lessons from Tokyo"
X Link 2025-09-29T19:24Z [---] followers, [--] engagements
"Given these rules there are [--] prospective financial instruments that fit. Note that this isn't financial advice but preference based on the principles listed above. It's advisable that majority investments should lean toward USD a ratio of 70:30 isn't bad. USD 👇👇👇:"
X Link 2025-09-29T19:24Z [---] followers, [--] engagements
"1. S&P500: America's benchmark index that measures the performace of the top [---] companies in the US has existed for [--] years and has returned an average of 9.8% PA. ETFs like $SPX & $VOO established by acclaimed asset management firms are considered one of the safest for starter"
X Link 2025-09-29T19:24Z [---] followers, [--] engagements
"2. $MCHI: The Chinese market is gaining increased traction of recent years as the superpower keeps gaining grounds in innovation and technology. Huge Chinese firms like Tencent Alibaba Xiaomi and BYD can be accessed by Hong Kong listings and ADRs accessible via the US market"
X Link 2025-09-29T19:24Z [---] followers, [--] engagements
"3. Gold ETF: The yellow metal is the de facto standard of value in the world and has experienced a parabolic run in recent years. As US dollar weakens and countries of the world push for more balanced reserve gold is primed for increased growth. Also it's relatively scarce"
X Link 2025-09-29T19:24Z [---] followers, [--] engagements
"Nigerian Investment Thanks to their stellar performance certain coys of the NGX have delivered growth for decades as well as steady income through dividends. The likes of GTCO UBA MTN etc are solid coys that have withstood unstable market conditions & beat inflation"
X Link 2025-09-29T19:24Z [---] followers, [--] engagements
"Fixed NGN Investment: Treasury bills FGN bonds and other fixed investments offered by fintechs are generally safe instruments that give predictable returns and is worth looking into. A final fator: it's also good to consider the broker one uses when making long term investments"
X Link 2025-09-29T19:24Z [---] followers, [--] engagements
"Recommend $AMD to a family friend few months ago. It has been lazy ever since & boom I saw this. Also analyzed $NVDA & $BABA. This is NOT financial advice but I must applaud my predictions & analysis in the last [--] months 🦅 Also thank you @investbamboo for this sleek update"
X Link 2025-10-06T14:06Z [---] followers, [----] engagements
"Bloomberg has reported that Cristiano Ronaldo is the world's first billionaire footballer estimating his net worth at $1.4 billion. That's crazy"
X Link 2025-10-08T15:08Z [---] followers, [--] engagements
"Popular indices make ETFs shine. Think of an index as a special formula that determines the stocks within an ETF. Now this formula has been performed by market experts who know just the right combinations of quality stocks - mental work you'd have done"
X Link 2025-08-19T22:29Z [---] followers, [--] engagements
"Undoubtedly the S&P [---] is the most stable and diversified. It also has a solid track record averaging 10% PA. For the NASDAQ it's highly volatile and consists of tech and growth stocks: META MSFT AAPL TSLA NVDA etc. $VOO $QQQ and $DJI are the golden trio"
X Link 2025-08-19T22:29Z [---] followers, [--] engagements
"In the NGX majorly Meristem and Vetiva operate: $VETBANK that tracks the NGX Banking index $VETIND tracks the NGX Industrial index $VSPBON for bonds Meristem Value ($MERVAL) tracks NGX Meristem Value Index which includes value stocks Greenwich Alpha Meristem Growth"
X Link 2025-08-19T22:29Z [---] followers, [--] engagements
"In conclusion ETFs are best for newbies for diversification and low fees: $VOO to build wealth steadily $QQQ if you have a high risk appetite and $DJI if you're conservative. $IBIT for Bitcoin $GLD for gold $MERGROWTH isn't bad for the NGX. Or you can just combine everything"
X Link 2025-08-19T22:29Z [---] followers, [---] engagements
"Dr Adaora Umeoji is one of the wealthiest female CEOs in Nigeria. The CEO of Zenith Bank has share holdings worth about 11billion at current prices and goes home with an annual salary of about 874million(2024). These exclude other assets that the banking magnate could possess"
X Link 2025-08-26T19:53Z [---] followers, [--] engagements
"Tesla has recorded highest quarterly revenue ever with figures standing at $28.1bn and EPS at $0.50 beating Wall Street estimate of $25bn. $TSLA dropped slightly by 1.1% in after trading hours following the report"
X Link 2025-10-22T20:32Z [---] followers, [---] engagements
"@UnkleAyo Amazing. Nairobi seems to be heating up as Africa's tech hub 🚀"
X Link 2025-10-23T16:13Z [---] followers, [---] engagements
"@retiredRochaite Exactly. Stock investments in general have higher success rates that crypto. I know a lot of people that got rich from crypto futures but I realized it wasn't for me. However I would revisit crypto spots investment when BTC dips. Till then stocks all the way"
X Link 2025-10-29T08:50Z [---] followers, [---] engagements
"After all the past could predict the future. But to my utmost surprise there wasn't an effective tool to measure that. Then I thought of Compoundium - a smart financial modeling platform that helps you visualize how your money compounds over time in various financial assets"
X Link 2025-10-31T21:02Z [---] followers, [--] engagements
"We aim to be the most intuitive global stock ETF & crypto growth simulator. But till then I have a huge surprise for y'all. A demo is available to practice Input your initial investment stock/etf ticker exchange monthly contribution duration; & see how it'd have grown"
X Link 2025-10-31T21:02Z [---] followers, [--] engagements
"I would love everyone's feedback in the comments. Tell me what was your result Mine was: In [--] years consistent $100 monthly contributions on your $1000 investment in the S&P500 could have compounded to $9986 now compared to $6000 in your bank account"
X Link 2025-10-31T21:02Z [---] followers, [--] engagements
"NB: $ is for US stocks; for Nigerian stocks like GTCO kindly ignore Yeah you heard me the NGX is live For future iterations: Watch out for dividends reinvestments etc and for premium we factor in inflation multiple portfolios AI-powered prediction & stock comparisons"
X Link 2025-10-31T21:02Z [---] followers, [--] engagements
"True. But they've been doing good in previous years. Last year it recorded over 300% increase so a correction seemed imminent. 1million spread across the last [--] years would be 3.6million+ now 1m in Conoil in January is worth [------]. today 1m in Conoil in January is worth [------]. today"
X Link 2025-11-03T13:20Z [---] followers, [---] engagements
"Guys are you looking for a reliable way to calculate the compound growth on that stock/ETF if you DCA monthly Try out the Compoundium demo sheet. Make a copy input your data & watch the magic Ah I would need to invest $4950 monthly in the S&P500 to retire by 35😭"
X Link 2025-11-07T10:42Z [---] followers, [--] engagements
"Disney has announced that Percy Jackson [--] will premiere on December 10th [----] exclusively on its streaming platform Disney+ Investors are watching closely to see if the $200 billion media giant can deliver & whether the series could boost Disney+ profitability in Q4 [----] $DIS"
X Link 2025-11-07T20:13Z [---] followers, [--] engagements
"$1trillion is a lot of money but considering the metrics before he gets paid that's scary. Tesla is already overvalued with a p/e of 287x & revenue is just $28bn. I'm particularly interested in $TSLA significantly increasing earnings which would naturally increase valuation. Elon Musk $1 trillion dollars salary https://t.co/doqqeCRTwR Elon Musk $1 trillion dollars salary https://t.co/doqqeCRTwR"
X Link 2025-11-09T06:50Z [---] followers, [--] engagements
"Techie only you have [--] MacBooks [--] iPhones & one earpod. You've invested so much into Apple products But have you ever thought of investing in them Yeah you heard me right Abi you like as them just dey cash out on your big time Oya let's talk on how you can get your cut"
X Link 2025-11-10T22:20Z [---] followers, [---] engagements
"When AWS was down half of the internet went down with it. When Meta sneezes social media catches a cold. And the AI that everyone is "AI-ing" it's all secretly run by Nvidia chips. Every single day our lives revolve around a handful of tech giants"
X Link 2025-11-10T22:20Z [---] followers, [--] engagements
"What has Kolade been up to today Well I've been working on a side project. I wanted to hire a UI/UX designer (cause I'm a developer) but I was low on cash. Plus I just felt no one could do stuff better than me How does it look"
X Link 2025-11-13T19:58Z [---] followers, [--] engagements
"This looks great. I've been working on a similar calculator using live ETF/stock data with the S&P500 average of 11.8% for the last [--] years Apparently the longer the time to compound the smaller the amount needed. I modelled mine for retirement- $3M https://docs.google.com/spreadsheets/d/1Uh1kU-ysCUnMMHH3KENEDIrBrwt2-3dN8Y99NjqQHdk/editusp=sharing How to make your children millionaires in dollars by the age of [--] without starting a business. 1.) Invest a deposit of $2000 2.) Invest $300 monthly in an ETF that averages 12% in the long run 3.) Automate the amount monthly 4.) Stop contributing"
X Link 2025-11-15T22:13Z [---] followers, [---] engagements
"Hey everyone I am proud to announce that my technology startup Strippple Technologies Ltd has been registered with CAC making us licensed to develop & sell tech solutions Work has commenced to develop [--] products the first to help individuals model compound growth & retirement"
X Link 2025-11-15T22:18Z [---] followers, [---] engagements
"The product name is "Compoundium". The second StripppleCare is aimed at fraud & dispute resolution in HMOs today through blockchain technology However here I would be focusing on the first building in public from next week. From the UI design to developing the functionality"
X Link 2025-11-15T22:18Z [---] followers, [--] engagements
"@GodsOwn____ That's true however I used a [--] year time period & a $3M target To deposit less you would have to increase the time length decrease your target or increase initial investment. However the tool is capped at [--] years but I am actively working to increasing that"
X Link 2025-11-16T10:53Z [---] followers, [--] engagements
"@compoundinnaira Financial education is very important"
X Link 2025-11-18T07:20Z [---] followers, [---] engagements
"If this is true this young man needs to sit down and think about himself and his life. He should get financial education Your dad did a good job of saving money but investing in a higher-yielding asset would've fared much better. In fact the money has lost value severely Don't borrow him😡 Rita https://t.co/vlizdt46Vx Don't borrow him😡 Rita https://t.co/vlizdt46Vx"
X Link 2025-11-18T12:54Z [---] followers, [---] engagements
"Considering an estimated 300% inflation in [--] years with an est. average of 15% YoY 5.6million is equivalent to about 1.4million. And now you're about to do something much worse. Break up and block her and her father. Your girlfriend shouldn't be told such"
X Link 2025-11-18T12:54Z [---] followers, [--] engagements
"Next lock the money in a high-yield interest account like @getladda or @fairmoney_ng. With 20% or 25% upfront that is passive 1.12million or 1.4m annually. Use this money to learn a skill be it tech or business If you're an undergraduate check this out https://x.com/koladeafolabi20/status/1961504204364943846s=20 "Learn a tech skill" But lately I've figured out that not everyone would learn tech. This thread is particularly tailored to undergraduates looking to build an investment portfolio. The truth remains: Earning is the foundation of investing. Young man and woman walk with me"
X Link 2025-11-18T12:54Z [---] followers, [--] engagements
"With cash flow from the business you could decide to withdraw the 5.6million. Along with cash you could invest in the broader financial market like land stocks commodities crypto etc. Check out @abalu_uthman @tosinolaseinde @compoundinnaira @SirJarus for more information"
X Link 2025-11-18T12:54Z [---] followers, [--] engagements
"And if you're still interested in a girlfriend As @jon_d_doe would say "Your serious girlfriend should INVEST in you while you INVEST in the future of both of you." Nothing here is financial advice. I wish you the best and perhaps others can learn a thing or two"
X Link 2025-11-18T12:54Z [---] followers, [--] engagements
"I came across this post and it iterated why as techies are chopping money let's also gain financial education through investments If the father decided to invest in the S&P500 instead of keeping it in Nigerian naira account this young man would be worth over #190 million today Don't borrow him😡 Rita https://t.co/vlizdt46Vx Don't borrow him😡 Rita https://t.co/vlizdt46Vx"
X Link 2025-11-18T21:53Z [---] followers, [---] engagements
"@abalu_uthman For those unsure the magnificent [--] are: Nvidia Google Amazon Meta Microsoft Apple and Tesla. Big Tech: Google Amazon Meta Microsoft Apple. These are the most influential companies in the US and the world ✅"
X Link 2025-11-21T07:11Z [---] followers, [---] engagements
"I feel a major turning point is the way wealth is being accounted for today closely tied to growth of stock prices & assets. And when one lives in a country like the US there doesn't seem to be an upper limit. Wealth inequality seems to be a direct consequence. If you saved $10000 every single day since the Pyramids were built in Egypt. You still wouldn't have as much money as Elon Musk creates in one good week. The human brain literally cannot comprehend the scale of modern wealth inequality. We are playing a game where the rules If you saved $10000 every single day since the Pyramids were"
X Link 2025-11-22T10:30Z [---] followers, [--] engagements
"@abalu_uthman At this point would Google still dip below $250 I'm waiting 😔"
X Link 2025-11-24T12:21Z [---] followers, [--] engagements
"Compoundium would let anyone in the world simulate portfolio growth & plan retirement for various assets be it stocks or crypto; past & future estimates at your fingertips Eventually we would allow pro users to factor in inflation tax & financial education. Would you use it"
X Link 2025-11-24T22:24Z [---] followers, [--] engagements
"In JS3 I started learning crypto/forex trading with the goal of hitting my first million before I became an adult. My pocket money was #350 for the week so I would save aggressively to get capital. But I didn't have an account and I didn't want my parents to know. What's the lore behind how you made your first 1M What's the lore behind how you made your first 1M"
X Link 2025-11-26T10:51Z [---] followers, [--] engagements
"So I opened an opay account on the web with my system given by my uncle. I would deposit small amounts even #400 and the PoS lady was ever kind not to deduct charges. Eventually I saved enough to begin crypto trading but lost it all"
X Link 2025-11-26T10:51Z [---] followers, [--] engagements
"In SS1 Mrs. Owoeye told me that "Kids Can trade". I had began dabbling into crypto the past year but never believed. How exactly could a minor trade She taught PE but talked regularly about upskilling & financial education (for some of my mates had begun betting) Which teacher changed your life forever and how Which teacher changed your life forever and how"
X Link 2025-11-26T11:04Z [---] followers, [--] engagements
"That experience spiralled me into the rabbits hole of the financial markets. It's true a kid can't trade & I lost a substantial amount of money from it. But the knowledge was invaluable & when I clocked [--] I resolved to invest in the financial markets monthly. God bless her"
X Link 2025-11-26T11:04Z [---] followers, [--] engagements
"Google cofounders - Larry Page and Sergey Brin are now worth a combined $510 billion following $GOOGL valuation leap. If you bought Google this time last year you should have about x2 your money. Alphabet is also inching closer to a $4trillion valuation just $100 billion away"
X Link 2025-11-26T11:27Z [---] followers, [--] engagements
"The US stock market is closed today in observance of Thanksgiving Day. Trading activities would resume tomorrow 28th November 2025"
X Link 2025-11-27T15:33Z [---] followers, [--] engagements
"Founders should key in. Up to 100million total in grants to Nigerian startups and entrepreneurs based in Nigeria https://niya.gov.ng/niyastartup https://niya.gov.ng/niyastartup"
X Link 2025-11-27T23:01Z [---] followers, [--] engagements
"The US dollar 💵 has now lost 97% of it's value since 1913"
X Link 2025-12-01T10:57Z [---] followers, [--] engagements
"@jon_d_doe This is very true lack of financial literacy is a key player here. Young men need to be intentional on saving and investing their money in assets that hedge inflation such as US dollars HYSA stocks and land. But many think they need large amounts to start"
X Link 2025-12-01T12:53Z [---] followers, [---] engagements
"Interesting calculations. I'm working on developing an application that would aid anyone in performing something like this using real-time data from various financial instruments As not everyone would be disposed to doing the math. The cost of waiting [--] years: Scenario [--] Start at [--] Monthly: [------] Years: [--] Rate: 12%/year (compounded monthly) FV = [------] (1 + 0.12/12)(1235) [--] / (0.12/12) FV [----------] Scenario [--] Start at [--] Monthly: [------] Years: [--] FV The cost of waiting [--] years: Scenario [--] Start at [--] Monthly: [------] Years: [--] Rate: 12%/year (compounded monthly) FV = [------] (1 +"
X Link 2025-12-03T10:08Z [---] followers, [---] engagements
"Another concern is in a country where inflation has averaged 15%; is one really gaining or losing by investing purely in naira-denominated fixed income Plus there's tax. So if one isn't careful real returns could be a net negative. Unfortunately many Nigerians overlook these"
X Link 2025-12-03T10:08Z [---] followers, [--] engagements
"@asemota True. Unfortunately many founders lack such guidance then resort to a test by trial approach"
X Link 2025-12-04T06:22Z [---] followers, [--] engagements
"@compoundinnaira Me living comfortably in my parents house; investing & saving 70% of income grinning knowing it wouldn't always be like that 🥲"
X Link 2025-12-06T21:10Z [---] followers, [--] engagements
"@keanxley Interesting. I prefer dedicating US stocks to growth while NGX to dividend. However this is my personal strategy. A blend of both seems at just the right spot"
X Link 2025-12-06T21:36Z [---] followers, [---] engagements
"Netflix as a streaming giant is valued at over $420billion. However it doesn't have the cash to finance an $86billion deal (which hasn't been executed). Hence the acquisition of Warner bros would be a blend of equity debt and cash"
X Link 2025-12-06T22:16Z [---] followers, [--] engagements
"Hey @RaenestHQ. It's been weeks since I requested for my crypto account but it's still under review. Can you look into this for me"
X Link 2025-12-09T18:10Z [---] followers, [--] engagements
"It is sad to be honest. But at the same time one can't blame YCombinator. We tend to forget the fact that YC is an American accelerator program and that many YC startups eventually spring to be top US companies. Furthermore from an investment and economic perspective . @ycombinator care to explain why no african or Asian product was chosen like bro im pretty sure there were better startups from africa and asia than some of the openai wrappers i saw there https://t.co/HHDFWsY5mU @ycombinator care to explain why no african or Asian product was chosen like bro im pretty sure there were better"
X Link 2025-12-12T13:35Z [---] followers, [---] engagements
"And that's why when I see those that have the mind to take on that risk huge respect to them I can't wait for @TosinOlugbenga to begin his next year. I know @NaijaFlyingDr also runs one of the largest private equity firms in Africa. Sam Esemuede of Zrosk is also African focused"
X Link 2025-12-12T13:35Z [---] followers, [--] engagements
"I also don't believe investment has slowed it's just not through YC. VC funding has reached [----] levels the funding just seems more focus on healthcare and Fintech. And most of it is entering established players not pre seed founders Only Africans can solve Africa's problems"
X Link 2025-12-12T13:35Z [---] followers, [--] engagements
"Lately I have been digging into the psychology of African investors and our market. Mr Sam Esemuede of Zrosk Investment limited is highly versed in this. This should give African founders clues and for investors why Africa is the frontier 📌 https://youtu.be/IYVzpBp-FHssi=gWOcODjeIJrFz9MF https://youtu.be/IYVzpBp-FHssi=gWOcODjeIJrFz9MF"
X Link 2025-12-12T13:35Z [---] followers, [--] engagements
"@honour_can_code @ycombinator No gree for anybody 😂"
X Link 2025-12-12T13:40Z [---] followers, [---] engagements
"@ngxinvestor That's it. Told myself would only do little BTC spot when it dips 50% of it's high and leave at 2x or 3x. One seems better off with long term traditional investments to be honest"
X Link 2025-12-12T18:02Z [---] followers, [--] engagements
"2. 500k GI + 800k rent Rent relief = 20% of 800k rent = 160k. Old law: #74667 (14.93% of income) New law: [-----] (14% of income). a. With Monthly MMF tax savings: #841200 - [-------] = [------] in the year (12.8% of income) b. 20% income MMF: [------] - [------] = [------] (12%"
X Link 2025-12-14T15:21Z [---] followers, [--] engagements
"3. 1M GI Old law: [------] monthly (17.5%) New law: [------] (16.25%) Tax reduction: a. With Monthly MMF tax savings: #1.95M - #189150 (profit on investment) = [-------] tax in the year (14.67%) b. 20% income MMF: #1.95M - [------] = 1.71M in the year (14.31%)"
X Link 2025-12-14T15:21Z [---] followers, [--] engagements
"4. 1M GI with 1M annual rent Rent relief = 20% of 1M rent = 200k relief Old law: [------] monthly (17.07%) New law: [------] (16.01%) Tax Reduction a With Monthly MMF tax savings: #1.92M - #186251 = [-------] tax for the year (14.4%) b. 20% MMF: #1.92M - [------] = 1.71M(14.3%)"
X Link 2025-12-14T15:21Z [---] followers, [--] engagements
"@abalu_uthman I also observed this. Reason why I strive not to invest less than $100. But how many people can afford that When I started I used 50k for Nvidia and Berkshire Hathaway. That's 2% fees I just vex though Nvidia made up greatly for it. Dollar MF seems best for USD beginners"
X Link 2025-12-14T18:11Z [---] followers, [---] engagements
"Congratulations to me I have hit a milestone in my investment journey. I have invested over 1million naira across the US and Nigerian markets at just [--]. I have been highly reluctant to share this. But each time I see gamblers share their wins I'm more convinced I should. [----] is coming to an end. What's your favorite achievement so far [----] is coming to an end. What's your favorite achievement so far"
X Link 2025-12-20T23:45Z [---] followers, 12.5K engagements
"It's still hilarious when I recall this time a year ago I was highly disappointed that my tap tap tap gave me just $10. [--] months ago renewed interest was sparked in the capital market when @tosinolaseinde analyzed what #100k invested across financial assets yielded"
X Link 2025-12-20T23:45Z [---] followers, 29.4K engagements
"I've also built my emergency saving fund to 200k with @cowrywise conservative mutual fund. I aim to keep this on into [----] and it can only get better from here. Huge thank you to ALL the financial gurus on this app"
X Link 2025-12-20T23:45Z [---] followers, [----] engagements
"The thing is I've seen firsthand how gambling and financial recklessness have destroyed many youths. The impact of the investors: @abalu_uthman @compoundinnaira @ProfitableMan1 @ngxinvestor @MudiTheInvestor @oyinkanbadejo The analysts: @Rufyb for NGX financial statements"
X Link 2025-12-20T23:45Z [---] followers, [----] engagements
"@olumidecapital for market news. Additionally I feast on @Nairametrics drinks & mics as well as Alux for financial education and macroeconomics in general Through YouTube and X I've learned a great deal in recent times. If I can do it you also can Discipline + consistency"
X Link 2025-12-20T23:45Z [---] followers, [----] engagements
"B2C founders in health need to strip off the technicalities of their solutions & communicate it's value in basic terms if they're interested in covering the vast informal sector I'm particularly guilty towards this though my solution is largely B2B Every founder is a salesperson"
X Link 2025-12-21T02:11Z [---] followers, [--] engagements
"4. The Paradox of VC Healthtech funding: this was my most interesting part I wholeheartedly believe the purely VC funding model is no longer a viable model for African startups especially healthtech. Healthtechs can't deliver the insane growth demands offered by VCs"
X Link 2025-12-21T02:11Z [---] followers, [--] engagements
"@ngxinvestor Everyone should have a significant amount of funds in fixed income and MMF. This is especially important as many are investing in the bull market. The bear market shall come"
X Link 2025-12-21T12:04Z [---] followers, [--] engagements
"@lanreadelowo US and Nigerian Gold ETFs track the real time price of gold. Bamboo trove can be used to purchase $SPDR and $GLD gold etfs"
X Link 2025-12-23T18:37Z [---] followers, [---] engagements
". what if I told you the trend shows it has greatly improved as shown below. This is thanks to local & international efforts vaccination & improved healthcare generally The fact that a handful of people lived to [--] doesn't mean most did. High infant & maternal mortality "
X Link 2025-12-23T21:22Z [---] followers, [--] engagements
"rates eroded such. The standard deviation which accounts for extremes potentially reveals such. Globally humans are living their longest lives [--]. "Inflation is dropping so shouldn't the prices of things start dropping" No inflation is dropping simply means that "
X Link 2025-12-23T21:22Z [---] followers, [--] engagements
". the rate at which prices of goods increase is dropping. For example if the price of a crate of eggs in October [----] was #4500 and in October [----] it is #5500 YoY inflation would be [----] - 4500/4500 * [---] = 22.22% yearly inflation. However if in Nov [----] "
X Link 2025-12-23T21:22Z [---] followers, [--] engagements
". the price rose to [----] and in Nov [----] it is [----] YoY inflation = 8.78% Did the price of eggs increase YES. But did the rate at which it increased rise NO. It clearly fell. That's how it works. [--]. The stock market is doing great; hence the economy is doing great"
X Link 2025-12-23T21:22Z [---] followers, [--] engagements
"The financial market is NOT the real economy. Sometimes it is ahead or behind the real economy but saying it's the same is a fallacy. While macroeconomic factors largely influence the equity market the common man is usually concerned with the micro"
X Link 2025-12-23T21:22Z [---] followers, [--] engagements
"@GPhilcz @CSPensions Can a self-employed individual create an RSA with these guys I need something stress-free as opposed to traditional options"
X Link 2025-12-25T13:47Z [---] followers, [---] engagements
"@Kalshi The question is when I'm betting on [----]. What with SpaceX IPO and increased $TSLA valuation"
X Link 2025-12-25T22:59Z [---] followers, [---] engagements
"@jon_d_doe Exactly. The best time to actually do anything major in life is NOW because like it or not inflation is a key factor. You would often say "Start little but not empty""
X Link 2025-12-26T10:19Z [---] followers, [--] engagements
"@docneto I agree Chief. Was looking for a cracked UI/UX prototype designer some weeks ago. Put it out on my status and some groups but didn't find good people. Pushed it out on X and I'm overwhelmed by responses. This app is top for real 💯"
X Link 2025-12-26T10:44Z [---] followers, [----] engagements
"But this isn't the biggest fear I strongly believe the AI battle is geopolitical and would boil down to US tech vs China tech. This is because of the power crisis. Data centers are projected to consume [---] TWh by 2030more than the entire electricity consumption of Japan"
X Link 2025-12-26T13:32Z [---] followers, [--] engagements
"but it's not that rosy. Chinese companies are winning the physics war but not the financial war. China is particularly notorious for slashing prices due to fierce competition which could significantly impact company revenue. Combine that with structural chip shortfalls "
X Link 2025-12-26T13:32Z [---] followers, [---] engagements
". and deflation risks it makes these companies unattractive. Hence investors are considering emerging markets to diversify risks posed by AI companies. Emerging markets in Asia and particularly Nigeria are being used as hedges against the AI concentration risks of Big Tech"
X Link 2025-12-26T13:32Z [---] followers, [--] engagements
"@OurFavOnlineDoc Enough government revenue. Dubai is damn rich so what does it need taxes for But with the way American billionaires are flocking there I foresee Dubai imposing taxes in the future. That's my view"
X Link 2025-12-26T22:12Z [---] followers, [--] engagements
"@ngxinvestor Wow I have heard of this index but this is the first time I am actually searching it up From what I saw it's the weight of small and medium cap US companies. It has done 13.76% YTD For me I prefer the VTI which is the entire US stock market. But heavy weights skew the index"
X Link 2025-12-29T07:56Z [---] followers, [--] engagements
"@TosinOlugbenga Follow @oyinkanbadejo @olumidecapital @tosinolaseinde @Rufyb @TomolaGroup @ProfitableMan1 @ngxinvestor @asemota @abalu_uthman @Skolex5 @Nairametrics @Forbes @FinPlanKaluAja1 Welcome Chief You would love it here"
X Link 2025-12-29T08:14Z [---] followers, [----] engagements
"@AskMichaelTaiwo People overlook the network advantage certain products have over others. Google can easily pool it's tons of historically search data to train it's AI as opposed openAI. It also had the second mover advantage. In all I am more optimistic on Google's Gemini than openAI chatGPT"
X Link 2025-12-29T08:17Z [---] followers, [---] engagements
"@TosinOlugbenga Psychology of Money by Morgan Housel. The Richest Man in Babylon by George Samuel Atomic Habits by James Clear"
X Link 2025-12-29T16:16Z [---] followers, [---] engagements
"For those unfamiliar with what's actually going on through VC funding let me explain. The VC model is composed of [--] main components: [--]. The Limited Partners (LPs): these are the actual entities bringing in the cash. Pension funds University Endowments Family Offices or Sovereign Wealth Funds. They give money to a VC firm to grow it. These are investors; they need extraordinary returns better than the stock market usually targeting 3x5x their money over 7-10 years. They are limited cause they don't have a say in startups to invest in"
X Link 2025-12-29T20:03Z [---] followers, [--] engagements
"2. The General Partners (Managers): LPs give these to manage. GPs have the task of judiciously utilizing LP's money to invest in promising high-growth startups to meet the high return targets saddled on them from LPs. These are the Venture Capitalists (VCs). They are the ones you see on the website applications you meet them you pitch to them and they sit on your board. They make the decisions. Think of it like a football club. The owners/sponsors are the LPs while the coach is the VC/GP https://twitter.com/i/web/status/2005731520603185160 https://twitter.com/i/web/status/2005731520603185160"
X Link 2025-12-29T20:03Z [---] followers, [--] engagements
"3. The Fund: the bucket of cash. [--]. The portfolio companies: the products VCs invest in. These portfolios include 100s of companies VCs try to invest in a lot of companies to spread their risk. They need only a few to be successful to cover up for the unsuccessful ones"
X Link 2025-12-29T20:03Z [---] followers, [--] engagements
"2. Carried Interest: After making good investments VCs get to carry home about 20% of the profits. For example if a fund is worth $100M and the VC in total makes $300M the VC automatically takes home about $40M at the end of the time period. Hence the greater the eventual valuation of the startup the happier VCs are. This is why they're so obsessed with unicorn potential startups"
X Link 2025-12-29T20:03Z [---] followers, [--] engagements
"But you might ask how do VCs make their profits. How VCs Make Their Profit (The [--] Liquidity Events) VCs only make real money when they can convert their shares back into cash. This is called a "Liquidity Event." Here are the three ways it happens: [--]. Acquisitions (Exits) This is when a larger company buys the startup completely. The acquiring company pays cash (or its own stock) for the startup's shares. The VC takes their cut and exits. Example: Stripe buying Paystack. The early investors were paid out immediately. https://twitter.com/i/web/status/2005731538659356985"
X Link 2025-12-29T20:03Z [---] followers, [--] engagements
"2. IPOs (Initial Public Offering) What it is: The startup lists its shares on a public stock exchange (like the NYSE or NGX). How the VC gets paid: Once the company is public the VC can sell their shares to ordinary investors on the open market. Example: Jumia listing on the NYSE. https://twitter.com/i/web/status/2005731542857900306 https://twitter.com/i/web/status/2005731542857900306"
X Link 2025-12-29T20:03Z [---] followers, [--] engagements
"3. Secondary Sales Here the VC sells their shares to another private investor before the company goes public or gets bought. How the VC gets paid: A late-stage investor (like a Private Equity firm) buys the early VCs stake to get into the deal. The early VC cashes out while the new investor waits for the IPO. Why it matters: This is becoming very common in Africa because IPOs take a long time to happen. https://twitter.com/i/web/status/2005731548478292137 https://twitter.com/i/web/status/2005731548478292137"
X Link 2025-12-29T20:04Z [---] followers, [--] engagements
"So one thing is common: VCs need startups that have the potential of becoming large unicorns. But given Africa's unique economic climate this isn't really possible. Africa just doesn't have the economy to support a lot of unicorns. Everyone throws around the data that Nigeria has about [---] million people but no one talks about the meager purchasing power of the average Nigerian"
X Link 2025-12-29T20:04Z [---] followers, [--] engagements
"The addressable market is a lot smaller as much of the average African is grappling with necessities. VCs need a clear growth model to validate their thesis. Recall I said that investors have only [--] main ways to make money through acquisitions IPOs and secondary sales"
X Link 2025-12-29T20:04Z [---] followers, [--] engagements
"The VC model puts founders under more and more pressure to not only meet VCs revenue targets but ensure they raise multiple rounds to bolster valuations so that previous ones exit. This could work for fintechs but in other aspects such as healthtechs this model has been a fallacy indeed. There is not a single successful healthtech startup that proceeded the purely VC model. Those who tried have failed"
X Link 2025-12-29T20:04Z [---] followers, [--] engagements
"So which model should founders embrace The blended model. The blended model involves utilizing not only VC but various funding models to keep your startup alive. They include: [--]. Bootstrapping: everyone starts here; it's basically using personal funds to build. [--]. Revenue-Based Financing: You borrow money and pay it back as a percentage of your monthly revenue (e.g. 5% of gross income) until you pay back a fixed cap (e.g. 1.5x what you borrowed). https://twitter.com/i/web/status/2005731577783886003 https://twitter.com/i/web/status/2005731577783886003"
X Link 2025-12-29T20:04Z [---] followers, [--] engagements
"5. Strategic Partnerships: if you're a B2B you could partner with organizations to deploy your solution for a fee and use the profit to fund the product. [--]. Incubators and Accelerators: they literally guide/mentor founders into the market and the process of running a startup with the aim of magnifying market reach and eventual fundraising. [--]. Debt financing: this involves taking low-interest loans from BoI and development banks with the promise of paying single-digit interest over time which could be much more viable than VCs' targets in specific situations"
X Link 2025-12-29T20:04Z [---] followers, [--] engagements
"So as opposed to VCs who are investors these entities aren't. All but the last are literally giving you "free" money; hence there's no pressure to make exponential returns. You can actually focus on building a business rather than aggressively chasing valuations and "growth" which isn't usually feasible in the early stages of building startups right now in Africa. https://twitter.com/i/web/status/2005731591822147972 https://twitter.com/i/web/status/2005731591822147972"
X Link 2025-12-29T20:04Z [---] followers, [--] engagements
"FINAL THOUGHTS Redefining Success: For too long we have outsourced our definition of success to foreign investors. We celebrated valuation announcements as if they were profit declarations. But as the funding winter of 2024/2025 has taught us valuation is vanity; revenue is sanity; and cash is king. The case against the purely VC model isn't a rejection of venture capital itselfVC is still a powerful tool for the right stage. It is a rejection of VC as the only tool"
X Link 2025-12-29T20:04Z [---] followers, [--] engagements
"The most successful African companies of the next decade won't be the ones that raised the most money. They will be the ones who figured out how to solve hard problems while respecting the brutal economic laws of the continent. They will use a blend of grants to innovate debt to scale assets and equity to expandbut ultimately they will rely on their customers not their investors to keep the lights on. The Unicorn is a myth. The Camel is real. It's time to build accordingly. And realize that only Africans can solve Africa's hardest problems. See ya later ❤"
X Link 2025-12-29T20:12Z [---] followers, [--] engagements
"This is an amazing read. I love how it touched every aspect of global economy. These are my key takeaways from each section: [--]. It is understandable why many companies are just staying private rather than going public. I was particularly monitoring @figma IPO. Indeed the public markets heavily discounted the paper valuations of the private market. The price discovery offered by the public markets can't be compared to the private markets. In all I'm expecting an increase in secondaries in [----] which provide a middle-ground between the scrutiny of the public markets and a measure of price"
X Link 2025-12-29T22:40Z [---] followers, [----] engagements
"2. Structural inflation was interesting and I largely agree on this too. US inflation averaged 3% still up from the Fed's target of 2%. But it doesn't really seem like that prices are increasing unemployment rate reaching all time highs and no one seems concerned about the debt. The odds of structural inflation increasing under the hood while core inflation remains edged is scary and somewhat looks divergent. In all curious for what [----] would be. https://twitter.com/i/web/status/2005770882237501559 https://twitter.com/i/web/status/2005770882237501559"
X Link 2025-12-29T22:40Z [---] followers, [--] engagements
"3. Yeah we're to expect further rate cuts in [----]. I mean though the last GDP numbers were stellar we aren't getting those magnificent job additions MoM. The economy has to be stimulated. But I also love your caution emphasizing "Return OF capital" rather than the tradition "Return ON capital" due to the increased risk of underlying assets thanks to geopolotical instability and what nots. It's really a caution investors must take to heart as we enter the new year; due to increased risk appetite triggered by the rate cuts. VC and PE investors should still chase quality and if possible dividend"
X Link 2025-12-29T22:40Z [---] followers, [--] engagements
"3. "The Bubble Toil and Trouble" Also exciting one can't ignore the bubble posed by AI's meteoric rise. The magnificent [--] have ballooned in capitalization while mid and small scap have suffered due to such heavy concentration. Fortunately they have enough capital to inject despite actual AI revenue FAR below Capex - a fallacy. Big Tech seems to be heavily betting that AI would pay off in the long run. It's just a question of "How long" I honestly don't think this is healthy but it's just the psychology of the average investor. It was no surprise that AI startups received most of the funding."
X Link 2025-12-29T22:40Z [---] followers, [--] engagements
"In all this was a brief summary of my key takeaways. Articles like that not only summarize the year but are a vital eyeopener of what to watch out for in [----]. Of recent being immersed in the end of year reviews and podcasts of successful healthtech investors and founders have given me cheat sheets of investment opportunities and hotstpots of what to watch out for as a young healthtech founder"
X Link 2025-12-29T22:40Z [---] followers, [--] engagements
"Hopefully this has motivated someone out there to read the full thing as we step into the new year. I also write though not as regular on X and Medium. Around mid-year I wrote this particular one following the rebound of equities despite tarrifs shinenigans: Whether one is a founder regular individual or investor global economy concerns every one of us. https://medium.com/@koladeafolabi2020/would-the-stock-markets-always-go-up-770e311f0ada https://medium.com/@koladeafolabi2020/would-the-stock-markets-always-go-up-770e311f0ada"
X Link 2025-12-29T22:40Z [---] followers, [--] engagements
"@eldivyn "The land of opportunities". Why seeing some Nigerians try to compare London to the US is appaling"
X Link 2025-12-30T11:09Z [---] followers, [----] engagements
"MY "FANTABULOUS 10" FINANCIAL ASSETS FOR [----] Before [----] Big Tech was ALL that mattered. Coined in the 90s but assuming dominance in [----] Big Tech is a fancy term for the biggest and most dominant US technology companies that quietly power global IT infrastructure. They are Microsoft Apple Amazon Alphabet (formerly Google) and Meta (formerly Facebook). https://twitter.com/i/web/status/2006348954716319781 https://twitter.com/i/web/status/2006348954716319781"
X Link 2025-12-31T12:57Z [---] followers, [----] engagements
"1. Amazon $AMZN: "Amazon" "But Amazon isn't doing anything in AI". Everyone's seeing a retailer; I see an AI data infrastructure. As AI keeps swallowing increasing loads of data all these would need infrastructure to sit on. And yeah what other giant than AWS cloud services Think of it they have the scale to dominate the industry scaring off new players. And I also feel they would pull something soon in AI"
X Link 2025-12-31T12:57Z [---] followers, [---] engagements
"2. Tesla $TSLA: Okay from a P/E angle this guy is overvalued. Trading at the highest p/e of the magnificent [--] at a staggering 212x forward pe. But this isn't the first time Tesla has been in this boat in [----] p/e ratio swung to about 1000x"
X Link 2025-12-31T12:57Z [---] followers, [---] engagements
"AI demand is expected to keep soaring and CapEx across Big Tech is set to cross $500bn. Combine that with the ecosystem Mr. Musk has placed around his products (xAI would definitely rely on Tesla's energy system. And though a bit futuristic data centers in the moon) $TSLA looks like a risky but worthy bet for the next decade"
X Link 2025-12-31T12:57Z [---] followers, [---] engagements
"3. Gold: it's really what everyone has been saying. Central banks begun a large scale purchase of gold over growing geopolitical tensions and tarrif wars. Central banks would only keep buying gold in [----] as investors are looking at diversifying risk from the US economy. Though it's current prices make it look at a massive premium there's definitely potential for increased upside https://twitter.com/i/web/status/2006348996323725585 https://twitter.com/i/web/status/2006348996323725585"
X Link 2025-12-31T12:57Z [---] followers, [---] engagements
"4. Bitcoin $BTC: The self acclaimed "digital gold" has largely disappointed Wall Street in [----] closing 6% lower than in the start of [----]. But when you look at things critically it's not as bad as we think. I mean $BTC hit 126k in October and any wise investor knew that was the top. I believe this cycle has topped but would be awaiting a modest 40% retracement before I begin stacking up. From it's track record the only way forward is UP. More institutions would only keep adopting it and that would 2x the current price"
X Link 2025-12-31T12:57Z [---] followers, [---] engagements
"5. The Real Moonshot of the Decade - SpaceX (Potential IPO): You know things are getting serious when the world's most valued private company is considering going public as soon as [----] at a potential $1.5trillion. If this happens this behemoth would stand beside $TSLA in the $1tn club. https://twitter.com/i/web/status/2006349002980122815 https://twitter.com/i/web/status/2006349002980122815"
X Link 2025-12-31T12:57Z [---] followers, [---] engagements
"Also Elon has announced that xAI attempts to set up data centers in the moon. And guess what would transport materials there. Yep SpaceX. These combined with it's sheer brutality in execution makes this company a national treasure. By investing in SpaceX you are betting on Western civilization"
X Link 2025-12-31T12:57Z [---] followers, [---] engagements
"Local Companies [--]. GTCO: Excellent business. Let's look at the Q3 numbers yes profit before tax stood at #900.8billion a 26% drop from last year's #1.2trillion. Less profits on paper but the fundamentals solidified GTCO made nice profits from the naira devaluation in [----] but that has halted; hence those fair value gains have been erased from their books. But at the core interest from loans was up 25.6%. Assets have grown to a staggering #16.66 trillion. https://twitter.com/i/web/status/2006349017643364753 https://twitter.com/i/web/status/2006349017643364753"
X Link 2025-12-31T12:57Z [---] followers, [---] engagements
"Even if CBN decides to recapitalize GTCO can comfortably meet the requirements without sweating. As opposed to some other tier [--] banks. And though some people cite reducing interest rates to plummet profits I don't think so. It would be a benefit as it would reduce the cost risk associated with non-performing loans which were approximately #145 - #150 billion. Already that's just a decent 4% of revenue. I easily see it trading at 2x its value in subsequent months. And if we can effectively sustain macroeconomic stability and achieve growth in both macros and micros we could see #500 in the"
X Link 2025-12-31T12:57Z [---] followers, [---] engagements
"7. ZENITHBANK:This one is a silent monster. Popularly known as Nigeria's most profitable bank this tier [--] bank has shown increased resilience and sustained growth that has weathered various macroeconomic climes. As banking sector reforms and recapitalization run over in [----] behemoths like this guy would only flourish better. https://twitter.com/i/web/status/2006349024459174246 https://twitter.com/i/web/status/2006349024459174246"
X Link 2025-12-31T12:57Z [---] followers, [---] engagements
"8. MTNN:The fx risks that hurt it's business model has been largely minimized thanks to a stable exchange rate. Combine that with it's market dominance (2x more subscribers than Airtel which is second) you see a business that has gained scale that would allow it thrice. What with glo and 9mobile going out of business there's only one clear winner. https://twitter.com/i/web/status/2006349027843957185 https://twitter.com/i/web/status/2006349027843957185"
X Link 2025-12-31T12:57Z [---] followers, [---] engagements
"Concerning this credit of a thing it's definitely coming. The signs are there. However the focus now is to lower inflation. Opening up credit injects money into the economy which isn't really viable considering where we're coming from. I expect more credit schemes to come in late [----] as inflation softens. https://twitter.com/i/web/status/2006389310916887029 https://twitter.com/i/web/status/2006389310916887029"
X Link 2025-12-31T15:37Z [---] followers, [----] engagements
"It's also interesting cause just a few days ago there was a debate here on X about those in diaspora who come back. I can just imagine the reactions she faced even considering such a move. And this is where a lot of individuals get it wrong. Sometimes it's not just about financial gain. There's a certain kind of fulfillment gained from actually contributing your quota in solving the nation's hard problems either through capital investment or technology"
X Link 2026-01-02T00:08Z [---] followers, [--] engagements
"That deliberate choice to invest in Africa stood out. In general we need more Africans willing to bet on ourselves. The next section that caught my eye was: "INNOVATION FOR BOREDOM VS SURVIVAL" It was a beautiful watch and it's largely the truth. Ever since the 70s the West has done little innovation into the physical word (I sometimes call this the real economy) and started "innovating for boredom" (social media faster delivery entertainment). This has left a gap currently being filled by developing economies like India China and even Africa"
X Link 2026-01-02T00:08Z [---] followers, [--] engagements
"She explained that nearly every nation has something they niche down on. Dubai was efficient in oil refining. Singapore was financial services. China is manufacturing. Taiwan is advanced chip making. Hence for Nigeria we could actually pick just one thing in the physical world and niche down on it. https://twitter.com/i/web/status/2006880167952572889 https://twitter.com/i/web/status/2006880167952572889"
X Link 2026-01-02T00:08Z [---] followers, [--] engagements
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