This is a good question. Because today,many people want to learn some kind of skills,but feels that,they will be needing a laptop,inorder to learn those skills, especially,a digital skill,like digital marketing. And to your questions,yes,you can truly start with your smartphone. Learn the basics ofRead more
This is a good question. Because today,many people want to learn some kind of skills,but feels that,they will be needing a laptop,inorder to learn those skills, especially,a digital skill,like digital marketing. And to your questions,yes,you can truly start with your smartphone. Learn the basics of digital marketing,, practice, upgrade your knowledge,in digital marketing,and practice again,then you become an expert,witu just your smartphone. The most important thing,is for you to start, and be intentional or serious on your growth with your phone,or your new skill,as a digital marketer, because of it demand today, especially in Africa countries.
On Cowrywise,equity funds and equity portfolios,both invest in stocks,but they differ in structure,and risk level. Let make it more easy to understand,and remember, whenever you are investing,shall we? 1) Equity Funds: What they are? Equity funds,are pooled investments,often managed by,professionalRead more
On Cowrywise,equity funds and equity portfolios,both invest in stocks,but they differ in structure,and risk level. Let make it more easy to understand,and remember, whenever you are investing,shall we?
1) Equity Funds:
What they are?
Equity funds,are pooled investments,often managed by,professional fund managers, (e.g mutual funds).
How they work?
Here,your money is combined with others,and invested,in a diversified basket of stocks.
Risk level!
Moderate to high(but reduced by,diversification).
Profit potential!
Good,but usually more stable,and less extreme.
2) Equity Portfolios:
What they are?
Curated stock baskets,or strategies(often more direct exposure,to equities).
How they work?
Less pooling structure,but,with more,focused or thematic, investing.
Risk level!
High(less diversification,with more market swings).
Profit potential!
Higher upside,but also with,higher chance of losses.
Bottom Line,
More profitable(potentially): Equity portfolios
More risky: Equity portfolios
Safer choice: Equity funds
So,if you prefer steady growth,go for funds. But,if you can tolerate volatility,for higher returns,portfolios then,may suit you.
In addition to that,think of Mama Ngozi selling tomatoes,in the streets today; ° Fixed Deposit (FD): For example,she locks her ₦100,000,in a bank,for 6 months, at a fixed rate. But,she cannot touch it,and,she knows exactly,what she’ll earn. This is safe,predictable,but rigid. While money Market FundRead more
In addition to that,think of Mama Ngozi selling tomatoes,in the streets today;
° Fixed Deposit (FD):
For example,she locks her ₦100,000,in a bank,for 6 months, at a fixed rate. But,she cannot touch it,and,she knows exactly,what she’ll earn. This is safe,predictable,but rigid.
While money Market Fund (MMF):
She puts the same ₦100,000,but this time,into a fund. Here,she can withdraw anytime, and it earns,daily interest. Returns may vary slightly,but it’s flexible,and often keeps up better,with inflation.
Real difference;
Fixed deposit,equals to,fixed return,& zero flexibility.
But MMF,equals,flexible access,slightly variable returns,and considering this economy,MMF,is more preferable,but,leveraging both,is also good.
Today’s economy(high inflation reality);
Fixed deposit,often loses value,in real terms(returns,not greater than inflation). But,MMF,adjusts faster,and usually performs better,against inflation.
What makes more sense?
If Mama Ngozi,needs access,plus better real value,it best,going for MMF. But,if she wants discipline,& certainty,then fixed deposit,is okay.
Bottom line,in today’s conditions,MMF is generally more practical,& preferable,unless you specifically,need the forced saving structure,of a fixed deposit.
Start simple,& small,not actually small,but with what you can loose,or let go easily,if your investment, doesn't yield better return,hope you understand? And,focus on consistency,and avoid,any “get rich quick” traps, available today,mostly,online. And,you can do it by; A) Learning the basics firRead more
Start simple,& small,not actually small,but with what you can loose,or let go easily,if your investment, doesn’t yield better return,hope you understand? And,focus on consistency,and avoid,any “get rich quick” traps, available today,mostly,online. And,you can do it by;
A) Learning the basics first:
Understand risk,returns,and compounding(because,compound Interest, is your biggest advantage,as a beginner,for over 5 years).
B) Start with low risk,accessible options:
Things like;
° High yield savings,or fixed deposits, especially,with dollar saving accounts.
° Government bonds,or treasury bills,etc.
C) Add growth investments(for higher returns): Investments like;
This is a powerful question,to ask,and think of. And,the hard truth,is that,many people today,have investment knowledge,but no income streams,or just have little income to invest with,and they overlook,the advantage,this already,gives them. Let make this more simplified,shall we? You’re ahead alreRead more
This is a powerful question,to ask,and think of. And,the hard truth,is that,many people today,have investment knowledge,but no income streams,or just have little income to invest with,and they overlook,the advantage,this already,gives them.
Let make this more simplified,shall we? You’re ahead already, because;
° You’ll deploy money fast,into investment opportunities,and wisely, whenever,it comes, because,the knowledge of,how that particular market works,is already there, especially with, general knowledge of investment.
° You think in assets,because,you alreasy know,how to spot value, others miss.
° You avoid early losses,because,the knowledge you already have,reduces, costly mistakes.
Opportunities today (income streams anyone can start)
° Digital services: Like freelancing(writing,design,social media,SEO,etc.).
° Content monetization: Short videos, niche blogs,& newsletters.
° Affiliate marketing: Earn by promoting trusted products,you love.
° Skill based micro business: Tutoring,coaching,consulting,& digital products.
° Local,plus online hybrid: Sell services,& products,within your community,or network ,using digital reach.
How to use this properly?
° Start with marketing:
Validate one skill or offer,& get paid quickly.
° Use intent focused content:
Solve real problems, people are already searching for.
° Apply EEAT:
Show real experience, results, and proof.
° Structure visibility:
Use basic schema,mobile first pages,and clear answers (AEO).
° Leverage conversational,plus video SEO:
Answer questions simply,& use,short videos to build trust.
° Build topical clusters:
Go deep on one niche,inorder, to become the go to source,& expert there.
Clear distinction!
Marketing,equals to income streams, especially,good ones.
While investing,equals multiplying income.
Bottom line,
No income yet? Then,focus more, on creating cash flow now,through marketing,while your investment knowledge,becomes a force multiplier, the moment money starts coming in.
Your friend is the one,that is greedy. To my perspective,the 50 million,has settled the 20k,which this person, borrowed his friend,which is you. And inside,this 50 million,there are,more than 150,20k already,so,the borrowed money,is with him already,and no need for getting the initial money back froRead more
Your friend is the one,that is greedy. To my perspective,the 50 million,has settled the 20k,which this person, borrowed his friend,which is you. And inside,this 50 million,there are,more than 150,20k already,so,the borrowed money,is with him already,and no need for getting the initial money back from you. Though,it’s just my opinion.
What you saw(“No market”) on Bamboo,doesn’t mean that,the companies are unavailable,permanently,instead,what it,usually just means,is that,the market is closed at that moment,or time,you checked it,so you can’t buy or sell, anything,during those hours. ere’s how it works,in a more professional,and sRead more
What you saw(“No market”) on Bamboo,doesn’t mean that,the companies are unavailable,permanently,instead,what it,usually just means,is that,the market is closed at that moment,or time,you checked it,so you can’t buy or sell, anything,during those hours.
ere’s how it works,in a more professional,and simplier way,for anyone, including you,to understand;
A) Stock markets have fixed trading hours:
So,if you’re trying to invest in Nigerian stocks,for example,on the,Nigerian Exchange Group;
° It open @ 9:30 AM
° And,close @ 2:30 PM
And,the days of operations are,from Monday to Friday(excluding public holidays) But,outside these hours,and days,apps may show you,things like;
° “No market”
° “Market closed”
° No price movement,or order option,and many more.
B) But Bamboo,mainly focuses on U.S. stocks:
So,since bamboo,is best known,for trading U.S. stocks,making your case,a different time schedule and days,which is;
° U.S. market(NYSE/Nasdaq): Always opens,around 3:30 PM,Nigerian time. And,closes around 10:00 PM,Nigerian time,also,though(may shift slightly,with daylight saving time)
So if you checked earlier,in the day,you’ll likely see,things like,“No market”, for those stocks.
C) What “No market” can also mean: Besides market hours,it might,also show,if;
° The stock,you choose,is temporarily halted.
° There’s no active,trading volume for the stock,you choose.
The feature(e.g., Nigerian stocks),is not enabled or supported,on your app version,then.
D) How to know when a company is “open”?
You can check;
° The market hours(most reliable)
° Whether the app,shows live price movement.
° If the Buy,& Sell buttons,are active.
° Financial news,for trading halts,or holidays.
Bottom line,
You don’t need to wait for a specific company,to “open”,before you can invest,instead,you just need the market itself,to be open. Try checking again,during the correct trading hours,depending on,whether you’re viewing,Nigerian stocks,or U.S stocks
Thanks for this info. Truly,as entreprenuer and founder of diverse business ventures,or a startup business,getting a platform,where all your transactions, payments,can be done,is very difficult, especially if new,into the entreprenuership sector. But,have one more simple question,opay,as an option,iRead more
Thanks for this info. Truly,as entreprenuer and founder of diverse business ventures,or a startup business,getting a platform,where all your transactions, payments,can be done,is very difficult, especially if new,into the entreprenuership sector. But,have one more simple question,opay,as an option,is it,the one for business, specifically,or the normal opay platform,we are used to?
Mentorship will be the most suitable option for me,and these are my reasons; A) Self development and the billionaires secrets: With this, everything this person knows,even though not everything,but most things,will be transferred to me,once the request,was accepted by this billionaire. His knRead more
Mentorship will be the most suitable option for me,and these are my reasons;
A) Self development and the billionaires secrets:
With this, everything this person knows,even though not everything,but most things,will be transferred to me,once the request,was accepted by this billionaire. His knowledge on money, success, positive habit that attract success, progress and growth,and many other things,that can’t be remembered now,will be taught by this billionaire to me,once I choose mentorship. And other steps or advice,he would suggest,if he was to restart from scratch.
Why will I be choosing,1 year personal mentorship from this billionaire,than taking the cash offer, business partnership,access to their network? Well,for many,they would prefer to take the cash offer,and use it to build their life,or start from somewhere,but this is the problem,if you take this offRead more
Why will I be choosing,1 year personal mentorship from this billionaire,than taking the cash offer, business partnership,access to their network? Well,for many,they would prefer to take the cash offer,and use it to build their life,or start from somewhere,but this is the problem,if you take this offer, without any financial education,self development,or any knowledge on the reality of business,money,life,and success,this money offer,will just be a waste of opportunity to you. And if you say,let you choose access to network,you will also need to develop your capacity,and abilities,to the level,that you can give solutions to these sets of new network, problems. Because,even billionaires,have their own problem,just like the masses,today. But,if you choose business partnership offers,you also loose opportunity to personal mentorship from this billionaire,but with 1 year personal mentorship from this billionaire,you also have open opportunities to his or her network, business partnership,money in some cases,and many other things,not mentioned here in the options,if you go for this personal mentorship from this billionaire. I rest my case. But remember,the choice is yours.
Can I Start Digital Marketing in Nigeria Using Only My Phone?
This is a good question. Because today,many people want to learn some kind of skills,but feels that,they will be needing a laptop,inorder to learn those skills, especially,a digital skill,like digital marketing. And to your questions,yes,you can truly start with your smartphone. Learn the basics ofRead more
This is a good question. Because today,many people want to learn some kind of skills,but feels that,they will be needing a laptop,inorder to learn those skills, especially,a digital skill,like digital marketing. And to your questions,yes,you can truly start with your smartphone. Learn the basics of digital marketing,, practice, upgrade your knowledge,in digital marketing,and practice again,then you become an expert,witu just your smartphone. The most important thing,is for you to start, and be intentional or serious on your growth with your phone,or your new skill,as a digital marketer, because of it demand today, especially in Africa countries.
See lessWhat Is the Difference Between Equity Funds and Equity Portfolios on Cowrywise in Nigeria?
On Cowrywise,equity funds and equity portfolios,both invest in stocks,but they differ in structure,and risk level. Let make it more easy to understand,and remember, whenever you are investing,shall we? 1) Equity Funds: What they are? Equity funds,are pooled investments,often managed by,professionalRead more
On Cowrywise,equity funds and equity portfolios,both invest in stocks,but they differ in structure,and risk level. Let make it more easy to understand,and remember, whenever you are investing,shall we?
1) Equity Funds:
What they are?
Equity funds,are pooled investments,often managed by,professional fund managers, (e.g mutual funds).
How they work?
Here,your money is combined with others,and invested,in a diversified basket of stocks.
Risk level!
Moderate to high(but reduced by,diversification).
Profit potential!
Good,but usually more stable,and less extreme.
2) Equity Portfolios:
What they are?
Curated stock baskets,or strategies(often more direct exposure,to equities).
How they work?
Less pooling structure,but,with more,focused or thematic, investing.
Risk level!
High(less diversification,with more market swings).
Profit potential!
Higher upside,but also with,higher chance of losses.
Bottom Line,
More profitable(potentially): Equity portfolios
More risky: Equity portfolios
Safer choice: Equity funds
So,if you prefer steady growth,go for funds. But,if you can tolerate volatility,for higher returns,portfolios then,may suit you.
See lessWhat Is the Difference Between Fixed Deposit and Money Market Funds in Nigeria?
In addition to that,think of Mama Ngozi selling tomatoes,in the streets today; ° Fixed Deposit (FD): For example,she locks her ₦100,000,in a bank,for 6 months, at a fixed rate. But,she cannot touch it,and,she knows exactly,what she’ll earn. This is safe,predictable,but rigid. While money Market FundRead more
In addition to that,think of Mama Ngozi selling tomatoes,in the streets today;
° Fixed Deposit (FD):
For example,she locks her ₦100,000,in a bank,for 6 months, at a fixed rate. But,she cannot touch it,and,she knows exactly,what she’ll earn. This is safe,predictable,but rigid.
While money Market Fund (MMF):
She puts the same ₦100,000,but this time,into a fund. Here,she can withdraw anytime, and it earns,daily interest. Returns may vary slightly,but it’s flexible,and often keeps up better,with inflation.
Real difference;
Fixed deposit,equals to,fixed return,& zero flexibility.
But MMF,equals,flexible access,slightly variable returns,and considering this economy,MMF,is more preferable,but,leveraging both,is also good.
Today’s economy(high inflation reality);
Fixed deposit,often loses value,in real terms(returns,not greater than inflation). But,MMF,adjusts faster,and usually performs better,against inflation.
What makes more sense?
If Mama Ngozi,needs access,plus better real value,it best,going for MMF. But,if she wants discipline,& certainty,then fixed deposit,is okay.
Bottom line,in today’s conditions,MMF is generally more practical,& preferable,unless you specifically,need the forced saving structure,of a fixed deposit.
See lessHow Can a Student Start Investing in Nigeria With Little Money?
Start simple,& small,not actually small,but with what you can loose,or let go easily,if your investment, doesn't yield better return,hope you understand? And,focus on consistency,and avoid,any “get rich quick” traps, available today,mostly,online. And,you can do it by; A) Learning the basics firRead more
Start simple,& small,not actually small,but with what you can loose,or let go easily,if your investment, doesn’t yield better return,hope you understand? And,focus on consistency,and avoid,any “get rich quick” traps, available today,mostly,online. And,you can do it by;
A) Learning the basics first:
Understand risk,returns,and compounding(because,compound Interest, is your biggest advantage,as a beginner,for over 5 years).
B) Start with low risk,accessible options:
Things like;
° High yield savings,or fixed deposits, especially,with dollar saving accounts.
° Government bonds,or treasury bills,etc.
C) Add growth investments(for higher returns): Investments like;
° Index funds or ETFs(track markets like S&P 500)
° Trusted mutual funds,are recommended,for growth.
D) Invest small, regularly:
Consistency, always beats timing,even though,timing,is also important. But,invest monthly,evenvthough,with small amounts.
E) Use reputable platforms:
Choose regulated apps,or brokers,in your country,and avoid,unverified schemes.
F) Reinvest earnings:
Let profits,always compound for 5 years,and,don’t withdraw early, because,it’s reduces your investment returns, potential.
Bottom line,mix safe assets,market investments,& stay consistent,reinvest,and avoid hype.
See lessWhat Is the Value of Investment Knowledge Without a Stable Income Stream in Nigeria?
This is a powerful question,to ask,and think of. And,the hard truth,is that,many people today,have investment knowledge,but no income streams,or just have little income to invest with,and they overlook,the advantage,this already,gives them. Let make this more simplified,shall we? You’re ahead alreRead more
This is a powerful question,to ask,and think of. And,the hard truth,is that,many people today,have investment knowledge,but no income streams,or just have little income to invest with,and they overlook,the advantage,this already,gives them.
Let make this more simplified,shall we? You’re ahead already, because;
° You’ll deploy money fast,into investment opportunities,and wisely, whenever,it comes, because,the knowledge of,how that particular market works,is already there, especially with, general knowledge of investment.
° You think in assets,because,you alreasy know,how to spot value, others miss.
° You avoid early losses,because,the knowledge you already have,reduces, costly mistakes.
Opportunities today (income streams anyone can start)
° Digital services: Like freelancing(writing,design,social media,SEO,etc.).
° Content monetization: Short videos, niche blogs,& newsletters.
° Affiliate marketing: Earn by promoting trusted products,you love.
° Skill based micro business: Tutoring,coaching,consulting,& digital products.
° Local,plus online hybrid: Sell services,& products,within your community,or network ,using digital reach.
How to use this properly?
° Start with marketing:
Validate one skill or offer,& get paid quickly.
° Use intent focused content:
Solve real problems, people are already searching for.
° Apply EEAT:
Show real experience, results, and proof.
° Structure visibility:
Use basic schema,mobile first pages,and clear answers (AEO).
° Leverage conversational,plus video SEO:
Answer questions simply,& use,short videos to build trust.
° Build topical clusters:
Go deep on one niche,inorder, to become the go to source,& expert there.
Clear distinction!
Marketing,equals to income streams, especially,good ones.
While investing,equals multiplying income.
Bottom line,
No income yet? Then,focus more, on creating cash flow now,through marketing,while your investment knowledge,becomes a force multiplier, the moment money starts coming in.
See lessI Borrowed 20K → Made 250M → Gave 50M Gift… He Still Wants 20K. Who Is Wrong?
Your friend is the one,that is greedy. To my perspective,the 50 million,has settled the 20k,which this person, borrowed his friend,which is you. And inside,this 50 million,there are,more than 150,20k already,so,the borrowed money,is with him already,and no need for getting the initial money back froRead more
Your friend is the one,that is greedy. To my perspective,the 50 million,has settled the 20k,which this person, borrowed his friend,which is you. And inside,this 50 million,there are,more than 150,20k already,so,the borrowed money,is with him already,and no need for getting the initial money back from you. Though,it’s just my opinion.
See lessWhy Does Bamboo Show “No Market” for Nigerian Stocks on the NGX?
What you saw(“No market”) on Bamboo,doesn’t mean that,the companies are unavailable,permanently,instead,what it,usually just means,is that,the market is closed at that moment,or time,you checked it,so you can’t buy or sell, anything,during those hours. ere’s how it works,in a more professional,and sRead more
What you saw(“No market”) on Bamboo,doesn’t mean that,the companies are unavailable,permanently,instead,what it,usually just means,is that,the market is closed at that moment,or time,you checked it,so you can’t buy or sell, anything,during those hours.
ere’s how it works,in a more professional,and simplier way,for anyone, including you,to understand;
A) Stock markets have fixed trading hours:
So,if you’re trying to invest in Nigerian stocks,for example,on the,Nigerian Exchange Group;
° It open @ 9:30 AM
° And,close @ 2:30 PM
And,the days of operations are,from Monday to Friday(excluding public holidays) But,outside these hours,and days,apps may show you,things like;
° “No market”
° “Market closed”
° No price movement,or order option,and many more.
B) But Bamboo,mainly focuses on U.S. stocks:
So,since bamboo,is best known,for trading U.S. stocks,making your case,a different time schedule and days,which is;
So if you checked earlier,in the day,you’ll likely see,things like,“No market”, for those stocks.
C) What “No market” can also mean: Besides market hours,it might,also show,if;
° The stock,you choose,is temporarily halted.
° There’s no active,trading volume for the stock,you choose.
The feature(e.g., Nigerian stocks),is not enabled or supported,on your app version,then.
D) How to know when a company is “open”?
You can check;
° The market hours(most reliable)
° Whether the app,shows live price movement.
° If the Buy,& Sell buttons,are active.
° Financial news,for trading halts,or holidays.
Bottom line,
You don’t need to wait for a specific company,to “open”,before you can invest,instead,you just need the market itself,to be open. Try checking again,during the correct trading hours,depending on,whether you’re viewing,Nigerian stocks,or U.S stocks
See lessWhich Bank Is Best for Startup Businesses in Nigeria to Receive Both Local and International Payments?
Thanks for this info. Truly,as entreprenuer and founder of diverse business ventures,or a startup business,getting a platform,where all your transactions, payments,can be done,is very difficult, especially if new,into the entreprenuership sector. But,have one more simple question,opay,as an option,iRead more
Thanks for this info. Truly,as entreprenuer and founder of diverse business ventures,or a startup business,getting a platform,where all your transactions, payments,can be done,is very difficult, especially if new,into the entreprenuership sector. But,have one more simple question,opay,as an option,is it,the one for business, specifically,or the normal opay platform,we are used to?
See lessIf you met a billionaire today, what would you ask for to change your life?
Mentorship will be the most suitable option for me,and these are my reasons; A) Self development and the billionaires secrets: With this, everything this person knows,even though not everything,but most things,will be transferred to me,once the request,was accepted by this billionaire. His knRead more
Mentorship will be the most suitable option for me,and these are my reasons;
A) Self development and the billionaires secrets:
With this, everything this person knows,even though not everything,but most things,will be transferred to me,once the request,was accepted by this billionaire. His knowledge on money, success, positive habit that attract success, progress and growth,and many other things,that can’t be remembered now,will be taught by this billionaire to me,once I choose mentorship. And other steps or advice,he would suggest,if he was to restart from scratch.
See lessWhich opportunity would you choose if a billionaire offered you one?
Why will I be choosing,1 year personal mentorship from this billionaire,than taking the cash offer, business partnership,access to their network? Well,for many,they would prefer to take the cash offer,and use it to build their life,or start from somewhere,but this is the problem,if you take this offRead more
Why will I be choosing,1 year personal mentorship from this billionaire,than taking the cash offer, business partnership,access to their network? Well,for many,they would prefer to take the cash offer,and use it to build their life,or start from somewhere,but this is the problem,if you take this offer, without any financial education,self development,or any knowledge on the reality of business,money,life,and success,this money offer,will just be a waste of opportunity to you. And if you say,let you choose access to network,you will also need to develop your capacity,and abilities,to the level,that you can give solutions to these sets of new network, problems. Because,even billionaires,have their own problem,just like the masses,today. But,if you choose business partnership offers,you also loose opportunity to personal mentorship from this billionaire,but with 1 year personal mentorship from this billionaire,you also have open opportunities to his or her network, business partnership,money in some cases,and many other things,not mentioned here in the options,if you go for this personal mentorship from this billionaire. I rest my case. But remember,the choice is yours.
See less