To recover old shares in UBA or any company in Nigeria, the first thing to understand is that those shares are still yours, but they may not be linked properly to your current details or account. The process usually involves updating and verifying your records through the company’s registrar. You wiRead more
To recover old shares in UBA or any company in Nigeria, the first thing to understand is that those shares are still yours, but they may not be linked properly to your current details or account.
The process usually involves updating and verifying your records through the company’s registrar.
You will need to contact the registrar that handles UBA shares.
The Registrar of UBA is Africa Prudential Registrars Plc
Tell them you want to trace or recover your old shares. They will ask you to fill some forms and provide documents like your means of identification, any old share certificates if you have them, and your personal details such as name used at the time you bought the shares.
If your details have changed over time, for example your name or bank details, you will need to provide supporting documents so they can match your old records with your current identity.
For example, imagine Mama Ngozi sold her tomato business shares years ago, but she moved to another village and changed how people call her name. If buyers still owe her money, they will need her old name and her new details to confirm it is truly her before paying her.
Recovering old shares is about proving ownership and matching your identity with the company’s records, so the registrar can reconnect you with your investment and update your account properly.
For e dividend or e mandate, one form does not automatically cover all your investments just because the companies use the same registrar. Each company’s shares are tied to its own records, even if the registrar is the same. So when you fill the e mandate form, it is usually linked to a specific shaRead more
For e dividend or e mandate, one form does not automatically cover all your investments just because the companies use the same registrar.
Each company’s shares are tied to its own records, even if the registrar is the same. So when you fill the e mandate form, it is usually linked to a specific shareholder account and the registrar will match your bank details with the accounts of the companies you invested in.
In most cases, if you have already completed your e dividend mandate correctly with your personal details and bank account, it can apply across multiple companies under the same registrar, as long as your details match exactly.
For example, if Mama Ngozi has three different tomato farms but uses the same market agent to sell all her tomatoes, she only needs to give her payment details once to that agent, and the agent will use it to pay her from all the farms. But if her details are not correctly recorded for each farm, she may still need to confirm or update them.
One correctly completed e mandate can work for multiple companies with the same registrar, but your details must be consistent and properly linked to each investment.
To analyse a stock, don’t make it complicated. Just focus on a few important things. First, understand the business. Ask yourself what the company does and if people really need it. If you cannot explain the business in simple words, it is better not to invest. Let me Explain this better with a simpRead more
To analyse a stock, don’t make it complicated. Just focus on a few important things.
First, understand the business.
Ask yourself what the company does and if people really need it. If you cannot explain the business in simple words, it is better not to invest.
Let me Explain this better with a simple Story…
Imagine Mama Ngozi sells tomatoes in the village, and If people in the village always need tomatoes to cook, then her business is useful and will likely continue to grow. But if nobody really needs what she is selling, then the business will struggle. This is how you should think about a company too.
Second, check profit.
A good company should be making profit consistently. Look at whether the money coming in is more than what is going out. If the profit is growing over time, it shows the business is doing well.
For Mama Ngozi, if she sells many baskets of tomatoes every day and still has money left after expenses, it means her business is healthy.
Third, check debt.
Too much debt can be dangerous. A strong company should not depend heavily on borrowing to survive.
If Mama Ngozi borrows too much money to run her tomato business and cannot repay easily, it may become a problem.
Fourth, look at the price.
Do not buy a stock just because people are talking about it. Ask yourself if the price is fair compared to the value of the business. It is like buying Mama Ngozi’s tomatoes. If the price is too high compared to other sellers, you may wait or buy less.
Fifth, consider the management.
Who is running the company and can they be trusted to make good decisions. A good leader can grow a business while a poor one can cause losses.
To get information, you can check company annual reports on their website, stockbroker apps, financial news websites, and the Nigerian Exchange website.
A good stock comes from a good business, steady profit, manageable debt, and a fair price. If you do not understand it, do not invest in it.
Bullish and bearish are simple words used to describe how people feel about the market and where prices are going. When the market is bullish, it means prices are going up and people are happy and confident to buy. When people believe prices will continue to rise, they buy more, and this pushes theRead more
Bullish and bearish are simple words used to describe how people feel about the market and where prices are going.
When the market is bullish, it means prices are going up and people are happy and confident to buy.
When people believe prices will continue to rise, they buy more, and this pushes the price higher.
For Example:
Imagine Mama Ngozi sells tomatoes in the village. If many people are coming to buy her tomatoes every day and more people still want to buy, the demand will increase and the price of tomatoes may go up.
That situation is like a bullish market because everything is rising and people are excited.
When the market is bearish, it means prices are falling and people are not confident. Many people are selling, and fewer people are buying, so prices keep dropping.
For Example: imagine people stop buying Mama Ngozi tomatoes or even rush to sell because they fear the tomatoes may spoil.
Mama Ngozi will reduce her price so she can sell fast. That situation is like a bearish market because prices are going down and people are not confident.
Infact: bullish means rising prices and confidence, while bearish means falling prices and fear.
The stock market is simply a place where people buy and sell parts of companies. Let me explain it with a simple story using a simple story just like Iking Ferry. Imagine your Mama Ngozi sells tomatoes in the market. She has been doing the business well, but she needs more money to expand her busineRead more
The stock market is simply a place where people buy and sell parts of companies.
Let me explain it with a simple story using a simple story just like Iking Ferry.
Imagine your Mama Ngozi sells tomatoes in the market. She has been doing the business well, but she needs more money to expand her business so she can buy more tomatoes and make more profit.
Instead of borrowing from the bank, she decides to divide her business into small parts and sell those parts to other people in the village. Anyone who buys a part now owns a small share of her tomato business.
If the business makes profit, those people will also benefit.
Now imagine many people in the village are buying and selling those small parts of her business. Some people are buying because they believe the business will grow, while others are selling because they need money or they have made profit already.
That place where people are buying and selling those parts is what we call the stock market.
So in simple English:
The stock market is where people buy and sell ownership in businesses.
And when you buy a stock, you are not just buying paper, you are becoming a part owner of a real business, just like owning a small share of Mama Ngozi tomato business.
Knowing when to buy a stock is not about guessing or following crowd. It is about understanding value and timing based on simple things. 1. you should look at the business itself: Ask if the company is strong, making profit, and has a product or service people will continue to need. If the businessRead more
Knowing when to buy a stock is not about guessing or following crowd. It is about understanding value and timing based on simple things.
1. you should look at the business itself:
Ask if the company is strong, making profit, and has a product or service people will continue to need. If the business is weak or confusing, it is better to avoid it.
2. look at the price.
A good company can still be a bad buy if the price is too high. Try to buy when the price is reasonable or when the stock is not overhyped. This is why many investors wait patiently instead of rushing.
3. Check the trend and stability.
A stock that is very unstable or dropping sharply without clear reason may be risky for a beginner. It is better to focus on steady and well known companies.
For example:
In Nigeria, if a company like a major bank or a large consumer goods company is consistently making profit and the price is not too high, a beginner can consider buying gradually instead of rushing all at once.
Also, avoid buying just because people are talking about it or because you fear missing out. That kind of decision often leads to loss.
The truth is that the best time to buy a stock is when the company is good, the price is fair, and you understand what you are buying.
Getting started with a money market mutual fund in Nigeria is actually a good step for a beginner because it is simple and low risk compared to stocks. and It allows you to save and earn small returns while you are still learning how investing works. To begin, you can use trusted investment apps inRead more
Getting started with a money market mutual fund in Nigeria is actually a good step for a beginner because it is simple and low risk compared to stocks.
and It allows you to save and earn small returns while you are still learning how investing works.
To begin, you can use trusted investment apps in Nigeria that offer money market funds. Some popular ones include InvestNaija, ARM App, and Stanbic IBTC mobile app.
These platforms are easy to use, and you can open an account on your phone, complete your verification, and start investing directly.
The good thing is that you do not need a large amount to start. Many of these platforms allow you to begin with as low as five thousand naira, and you can continue adding money regularly, either daily, weekly, or monthly.
For example:
Someone in Nigeria can decide to save ten thousand naira every month through a money market fund on an app like ARM or Stanbic IBTC. Over time, the money grows while still remaining accessible when needed.
Please..
When choosing a platform, make sure it is a registered with SEC and trusted company, and always understand the terms before investing.
Accumulating capital to start investing is not about luck or waiting for a big salary. It is about discipline, consistency, and good habits with money. First, you need to control your spending. Many people earn money but spend everything without planning. If you reduce unnecessary expenses like impuRead more
Accumulating capital to start investing is not about luck or waiting for a big salary. It is about discipline, consistency, and good habits with money.
First, you need to control your spending. Many people earn money but spend everything without planning. If you reduce unnecessary expenses like impulse buying, frequent eating out, or buying things you don’t really need, you will start seeing money left in your hands.
Second, learn to save before you spend. Once you receive money, set aside a portion first, even if it is small, before you touch the rest. Saving should be a habit, not something you do only when money remains.
Third, try to increase your income. You can do this by adding a side hustle, learning a skill, or doing small business alongside what you already do. More income gives you more room to save and invest.
For example, in Nigeria, someone earning salary can decide to save a fixed amount every month and also do a small side job like selling items online or offering a skill service. Over time, the savings will grow into enough capital to start investing.
A simple truth is that capital is built by small consistent actions, not by sudden big money.
If you are patient and disciplined, your small savings today will become the investment capital you need tomorrow.
There is no fixed highest amount you can invest in an investment app. You can invest as much as you are able to afford. The only limit is your money and your comfort level. For the lowest amount, it depends on the app you are using. Some investment apps in Nigeria allow you to start with as low as oRead more
There is no fixed highest amount you can invest in an investment app. You can invest as much as you are able to afford. The only limit is your money and your comfort level.
For the lowest amount, it depends on the app you are using. Some investment apps in Nigeria allow you to start with as low as one thousand naira or even less, while some may require a few thousand naira before you can begin.
For example, if you have ten thousand naira, you can decide to start investing small by putting part of it into stocks or savings on an app, just like someone in Nigeria can use small money to start a small business in the market and grow it over time.
The most important thing is not how much you start with, but understanding what you are investing in and being consistent.
A simple truth is that it is better to start small and grow steadily than to wait for a big amount that may never come.
Yes, this information is correct and real. Dangote Cement has proposed a dividend of ₦45 per share for 2026 (for 2025 results), but it is still subject to approval at the AGM Key Dates You Must Understand Qualification date: June 17, 2026 Payment date: July 2, 2026 What This Means... To receive theRead more
Yes, this information is correct and real.
Dangote Cement has proposed a dividend of ₦45 per share for 2026 (for 2025 results), but it is still subject to approval at the AGM
Key Dates You Must Understand
Qualification date: June 17, 2026
Payment date: July 2, 2026
What This Means…
To receive the ₦45 dividend:
You must buy and hold the shares before June 17, 2026.
If your name is on the company register on that date, you will be paid.
For Example:
If you have:
1,000 shares = you get ₦45,000
2,000 shares = you get ₦90,000
(Simple multiplication: shares × ₦45)
But dont Forget that the Government will collect 10% Withholding Tax on your Dividend.
Here are the Important Things Many Beginners Miss
After qualification date, the stock price may drop slightly (because dividend is removed from price)
Dividend is not “free money”- it is part of your return
You must have e-dividend setup to receive payment in your bank
What It Means for You as an Investor
This is income from owning a good company
It rewards long-term investors, not quick traders
It shows the company is making strong profit
Please:
Don’t chase dividend alone, own good businesses, and let the dividend follow.
How do I recover my old shares in UBA?
To recover old shares in UBA or any company in Nigeria, the first thing to understand is that those shares are still yours, but they may not be linked properly to your current details or account. The process usually involves updating and verifying your records through the company’s registrar. You wiRead more
To recover old shares in UBA or any company in Nigeria, the first thing to understand is that those shares are still yours, but they may not be linked properly to your current details or account.
The process usually involves updating and verifying your records through the company’s registrar.
You will need to contact the registrar that handles UBA shares.
The Registrar of UBA is Africa Prudential Registrars Plc
Tell them you want to trace or recover your old shares. They will ask you to fill some forms and provide documents like your means of identification, any old share certificates if you have them, and your personal details such as name used at the time you bought the shares.
If your details have changed over time, for example your name or bank details, you will need to provide supporting documents so they can match your old records with your current identity.
For example, imagine Mama Ngozi sold her tomato business shares years ago, but she moved to another village and changed how people call her name. If buyers still owe her money, they will need her old name and her new details to confirm it is truly her before paying her.
Recovering old shares is about proving ownership and matching your identity with the company’s records, so the registrar can reconnect you with your investment and update your account properly.
See lessCan I Use One E-Dividend Form for Different Companies?
For e dividend or e mandate, one form does not automatically cover all your investments just because the companies use the same registrar. Each company’s shares are tied to its own records, even if the registrar is the same. So when you fill the e mandate form, it is usually linked to a specific shaRead more
For e dividend or e mandate, one form does not automatically cover all your investments just because the companies use the same registrar.
Each company’s shares are tied to its own records, even if the registrar is the same. So when you fill the e mandate form, it is usually linked to a specific shareholder account and the registrar will match your bank details with the accounts of the companies you invested in.
In most cases, if you have already completed your e dividend mandate correctly with your personal details and bank account, it can apply across multiple companies under the same registrar, as long as your details match exactly.
For example, if Mama Ngozi has three different tomato farms but uses the same market agent to sell all her tomatoes, she only needs to give her payment details once to that agent, and the agent will use it to pay her from all the farms. But if her details are not correctly recorded for each farm, she may still need to confirm or update them.
One correctly completed e mandate can work for multiple companies with the same registrar, but your details must be consistent and properly linked to each investment.
See lessWhat are the best parameters for stock analysis?
To analyse a stock, don’t make it complicated. Just focus on a few important things. First, understand the business. Ask yourself what the company does and if people really need it. If you cannot explain the business in simple words, it is better not to invest. Let me Explain this better with a simpRead more
To analyse a stock, don’t make it complicated. Just focus on a few important things.
First, understand the business.
Ask yourself what the company does and if people really need it. If you cannot explain the business in simple words, it is better not to invest.
Let me Explain this better with a simple Story…
Imagine Mama Ngozi sells tomatoes in the village, and If people in the village always need tomatoes to cook, then her business is useful and will likely continue to grow. But if nobody really needs what she is selling, then the business will struggle. This is how you should think about a company too.
Second, check profit.
A good company should be making profit consistently. Look at whether the money coming in is more than what is going out. If the profit is growing over time, it shows the business is doing well.
For Mama Ngozi, if she sells many baskets of tomatoes every day and still has money left after expenses, it means her business is healthy.
Third, check debt.
Too much debt can be dangerous. A strong company should not depend heavily on borrowing to survive.
If Mama Ngozi borrows too much money to run her tomato business and cannot repay easily, it may become a problem.
Fourth, look at the price.
Do not buy a stock just because people are talking about it. Ask yourself if the price is fair compared to the value of the business. It is like buying Mama Ngozi’s tomatoes. If the price is too high compared to other sellers, you may wait or buy less.
Fifth, consider the management.
Who is running the company and can they be trusted to make good decisions. A good leader can grow a business while a poor one can cause losses.
To get information, you can check company annual reports on their website, stockbroker apps, financial news websites, and the Nigerian Exchange website.
A good stock comes from a good business, steady profit, manageable debt, and a fair price. If you do not understand it, do not invest in it.
See lessWhat is bearish and bullish in the stock market?
Bullish and bearish are simple words used to describe how people feel about the market and where prices are going. When the market is bullish, it means prices are going up and people are happy and confident to buy. When people believe prices will continue to rise, they buy more, and this pushes theRead more
Bullish and bearish are simple words used to describe how people feel about the market and where prices are going.
When the market is bullish, it means prices are going up and people are happy and confident to buy.
When people believe prices will continue to rise, they buy more, and this pushes the price higher.
For Example:
Imagine Mama Ngozi sells tomatoes in the village. If many people are coming to buy her tomatoes every day and more people still want to buy, the demand will increase and the price of tomatoes may go up.
That situation is like a bullish market because everything is rising and people are excited.
When the market is bearish, it means prices are falling and people are not confident. Many people are selling, and fewer people are buying, so prices keep dropping.
For Example: imagine people stop buying Mama Ngozi tomatoes or even rush to sell because they fear the tomatoes may spoil.
Mama Ngozi will reduce her price so she can sell fast. That situation is like a bearish market because prices are going down and people are not confident.
See lessInfact: bullish means rising prices and confidence, while bearish means falling prices and fear.
What Is the Stock Market in Simple Terms for Beginners in Nigeria?
The stock market is simply a place where people buy and sell parts of companies. Let me explain it with a simple story using a simple story just like Iking Ferry. Imagine your Mama Ngozi sells tomatoes in the market. She has been doing the business well, but she needs more money to expand her busineRead more
The stock market is simply a place where people buy and sell parts of companies.
Let me explain it with a simple story using a simple story just like Iking Ferry.
Imagine your Mama Ngozi sells tomatoes in the market. She has been doing the business well, but she needs more money to expand her business so she can buy more tomatoes and make more profit.
Instead of borrowing from the bank, she decides to divide her business into small parts and sell those parts to other people in the village. Anyone who buys a part now owns a small share of her tomato business.
If the business makes profit, those people will also benefit.
Now imagine many people in the village are buying and selling those small parts of her business. Some people are buying because they believe the business will grow, while others are selling because they need money or they have made profit already.
That place where people are buying and selling those parts is what we call the stock market.
So in simple English:
The stock market is where people buy and sell ownership in businesses.
And when you buy a stock, you are not just buying paper, you are becoming a part owner of a real business, just like owning a small share of Mama Ngozi tomato business.
See lessHow do I know the right time to buy or avoid buying stocks in Nigeria’s stock market?
Knowing when to buy a stock is not about guessing or following crowd. It is about understanding value and timing based on simple things. 1. you should look at the business itself: Ask if the company is strong, making profit, and has a product or service people will continue to need. If the businessRead more
Knowing when to buy a stock is not about guessing or following crowd. It is about understanding value and timing based on simple things.
1. you should look at the business itself:
Ask if the company is strong, making profit, and has a product or service people will continue to need. If the business is weak or confusing, it is better to avoid it.
2. look at the price.
A good company can still be a bad buy if the price is too high. Try to buy when the price is reasonable or when the stock is not overhyped. This is why many investors wait patiently instead of rushing.
3. Check the trend and stability.
A stock that is very unstable or dropping sharply without clear reason may be risky for a beginner. It is better to focus on steady and well known companies.
For example:
In Nigeria, if a company like a major bank or a large consumer goods company is consistently making profit and the price is not too high, a beginner can consider buying gradually instead of rushing all at once.
Also, avoid buying just because people are talking about it or because you fear missing out. That kind of decision often leads to loss.
The truth is that the best time to buy a stock is when the company is good, the price is fair, and you understand what you are buying.
See lessHow do I get started with the Money Market Mutual fund?
Getting started with a money market mutual fund in Nigeria is actually a good step for a beginner because it is simple and low risk compared to stocks. and It allows you to save and earn small returns while you are still learning how investing works. To begin, you can use trusted investment apps inRead more
Getting started with a money market mutual fund in Nigeria is actually a good step for a beginner because it is simple and low risk compared to stocks.
and It allows you to save and earn small returns while you are still learning how investing works.
To begin, you can use trusted investment apps in Nigeria that offer money market funds. Some popular ones include InvestNaija, ARM App, and Stanbic IBTC mobile app.
These platforms are easy to use, and you can open an account on your phone, complete your verification, and start investing directly.
The good thing is that you do not need a large amount to start. Many of these platforms allow you to begin with as low as five thousand naira, and you can continue adding money regularly, either daily, weekly, or monthly.
For example:
Someone in Nigeria can decide to save ten thousand naira every month through a money market fund on an app like ARM or Stanbic IBTC. Over time, the money grows while still remaining accessible when needed.
Please..
See lessWhen choosing a platform, make sure it is a registered with SEC and trusted company, and always understand the terms before investing.
How can I accumulate capital to start investing in stock market?
Accumulating capital to start investing is not about luck or waiting for a big salary. It is about discipline, consistency, and good habits with money. First, you need to control your spending. Many people earn money but spend everything without planning. If you reduce unnecessary expenses like impuRead more
Accumulating capital to start investing is not about luck or waiting for a big salary. It is about discipline, consistency, and good habits with money.
First, you need to control your spending. Many people earn money but spend everything without planning. If you reduce unnecessary expenses like impulse buying, frequent eating out, or buying things you don’t really need, you will start seeing money left in your hands.
Second, learn to save before you spend. Once you receive money, set aside a portion first, even if it is small, before you touch the rest. Saving should be a habit, not something you do only when money remains.
Third, try to increase your income. You can do this by adding a side hustle, learning a skill, or doing small business alongside what you already do. More income gives you more room to save and invest.
For example, in Nigeria, someone earning salary can decide to save a fixed amount every month and also do a small side job like selling items online or offering a skill service. Over time, the savings will grow into enough capital to start investing.
A simple truth is that capital is built by small consistent actions, not by sudden big money.
If you are patient and disciplined, your small savings today will become the investment capital you need tomorrow.
See lessWhat is the highest and the lowest amount one of invest in investment App?
There is no fixed highest amount you can invest in an investment app. You can invest as much as you are able to afford. The only limit is your money and your comfort level. For the lowest amount, it depends on the app you are using. Some investment apps in Nigeria allow you to start with as low as oRead more
There is no fixed highest amount you can invest in an investment app. You can invest as much as you are able to afford. The only limit is your money and your comfort level.
For the lowest amount, it depends on the app you are using. Some investment apps in Nigeria allow you to start with as low as one thousand naira or even less, while some may require a few thousand naira before you can begin.
For example, if you have ten thousand naira, you can decide to start investing small by putting part of it into stocks or savings on an app, just like someone in Nigeria can use small money to start a small business in the market and grow it over time.
The most important thing is not how much you start with, but understanding what you are investing in and being consistent.
A simple truth is that it is better to start small and grow steadily than to wait for a big amount that may never come.
See lessIs Dangote Cement paying ₦45 dividend in 2026?
Yes, this information is correct and real. Dangote Cement has proposed a dividend of ₦45 per share for 2026 (for 2025 results), but it is still subject to approval at the AGM Key Dates You Must Understand Qualification date: June 17, 2026 Payment date: July 2, 2026 What This Means... To receive theRead more
Yes, this information is correct and real.
Dangote Cement has proposed a dividend of ₦45 per share for 2026 (for 2025 results), but it is still subject to approval at the AGM
Key Dates You Must Understand
Qualification date: June 17, 2026
Payment date: July 2, 2026
What This Means…
To receive the ₦45 dividend:
You must buy and hold the shares before June 17, 2026.
If your name is on the company register on that date, you will be paid.
For Example:
If you have:
1,000 shares = you get ₦45,000
2,000 shares = you get ₦90,000
(Simple multiplication: shares × ₦45)
But dont Forget that the Government will collect 10% Withholding Tax on your Dividend.
Here are the Important Things Many Beginners Miss
After qualification date, the stock price may drop slightly (because dividend is removed from price)
Dividend is not “free money”- it is part of your return
You must have e-dividend setup to receive payment in your bank
What It Means for You as an Investor
This is income from owning a good company
It rewards long-term investors, not quick traders
It shows the company is making strong profit
Please:
Don’t chase dividend alone, own good businesses, and let the dividend follow.
See less