Having 2 different CSCS and one CHN across bamboo and cowrywise does not affect your investments in any way, that’s how it’s meant to be.

CSCS is likened to your bank account number

While CHN is likened to your BVN

Your shares are not sitting in your stockbroker but in your CSCS

For example if you are using stockbroker A and Stockbroker B, then you are having issues with stockbroker A, you can transfer your shares from A to B, since it’s one CHN that runs across the two brokers. What you have to do is to email the current broker you want to use currently, that you have shares in Broker A and you provide you CSCS number, if will be verified and find out that it is connected to your CHN which carries your details and information, then Stockbroker B will now discuss with your other Stockbroker A to initiate the transfer of your investments and it will be done within some days.

Now, your second question

Bamboo do not offer Mutual Funds (MMMF)

But cowrywise offer mutual funds, the only thing is that beginners Will not be able to identify mutual funds on cowrywise, when you open cowrywise

You click on invest on the top middle

It will open you to

NG Stocks, Naira mutual funds and dollars mutual funds

You then click on Naira mutual funds

You will see different mutual funds

You can choose conservative portfolio, where your capital is been protected while you earn steady low returns.

But I advise you to choose the one you wish based on your research about it, the fees of each brokers, how you can easily understand and adapt to their User Interface.