Ah, my dear, thank you for bringing up this important question about redeeming profits from your equity fund without touching your capital. Let's break it down step by step in the simplest way possible so that everyone, including Mama Ngozi, can understand:Simple Explanation:When you invest in an eqRead more
Ah, my dear, thank you for bringing up this important question about redeeming profits from your equity fund without touching your capital. Let’s break it down step by step in the simplest way possible so that everyone, including Mama Ngozi, can understand:
Simple Explanation:
When you invest in an equity fund like the InvestNaija Paramount Fund, you are buying shares of different companies. As these companies grow and make profits, the value of your shares also grows. Redeeming your profits means selling some of your shares to take out the money you’ve earned.
How it Works:
To redeem your profits without touching your capital, you need to sell only the additional shares you’ve gained from the increase in value. This way, you’re essentially cashing out the growth while keeping your initial investment intact.
Benefits:
– You get to enjoy the returns on your investment without reducing your original capital.
– By reinvesting your profits or using them for other purposes, you can further grow your wealth.
Risks:
– The value of your shares can go down, leading to lower profits or even losses if you sell at the wrong time.
– Market conditions and economic factors can impact the value of your investment.
Real-life Nigerian Example:
Imagine you bought bags of tomatoes to sell in the market. As the tomatoes ripen and become more valuable, you decide to sell some at a higher price while keeping a portion to continue growing and selling more tomatoes.
Common Mistakes:
One common mistake is redeeming all your shares, including the initial investment, which reduces your capital. It’s important to be strategic in selling only the profits.
Practical Steps to Get Started:
1. Check the current value of your equity fund investment.
2. Calculate the profits you’ve earned by subtracting your initial investment from the current value. 3. Work with your fund manager or brokerage to sell only the additional shares representing your profits.
Short Summary:
To redeem your equity fund profits without touching your capital, sell only the additional shares gained from the increase in value while keeping your initial investment untouched.
Now, my dear, what other ways can you think of to protect your capital while enjoying the profits from your investments?
Short answer: don’t wait for it to drop — start now and invest consistently. Let me break it down properly so you don’t make a common mistake. 1. What’s happening with Paramount Equity Fund now? The Paramount Equity Fund is indeed performing strongly: ~35–38% YTD return in 2026 Strong 2025 performanRead more
Short answer: don’t wait for it to drop — start now and invest consistently.
Let me break it down properly so you don’t make a common mistake.
1. What’s happening with Paramount Equity Fund now?
The Paramount Equity Fund is indeed performing strongly:
~35–38% YTD return in 2026
Strong 2025 performance (~60%+)
Driven by a bullish Nigerian stock market (banks, oil, consumer stocks)
👉 That’s why it looks “hot” right now.
2. The mistake you’re about to make
You’re thinking:
“Should I wait for it to drop?”
Here’s the reality:
❌ You cannot time equity funds reliably
Nobody consistently predicts when it will drop
If you wait:
It might keep rising → you miss gains
Or drop later → you still hesitate
👉 This is how beginners stay out of the market too long
3. The correct strategy for your plan (₦50k monthly, 3 years)
Your plan is actually perfect — but only if you use the right approach:
✔ Use “Dollar Cost Averaging” (DCA)
That means:
Invest ₦50k every month
Whether market is:
High ✅
Low ✅
Falling ✅
Why this works:
When price is high → you buy fewer units
When price drops → you buy more units
👉 Over time, your average cost becomes balanced
4. Should you enter now?
✔ Yes — but not all your money at once
Since market is currently strong:
Start your monthly plan immediately
Don’t do “lump sum” right now unless:
You’re okay with short-term fluctuation
5. What risk you must understand (very important)
Unlike money market funds:
Equity fund = HIGH volatility
It can:
Go +30% this year
Go -15% next year
👉 The fund itself even states:
Designed for long-term (>5 years) investors
6. What will likely happen (realistic expectation)
Because the market is currently bullish:
Short term:
Possible pullback (normal correction)
Medium term (3+ years):
Likely growth if Nigeria market continues improving
7. Smart structure for you (this is key)
Since you’re disciplined (₦50k/month):
Suggested split:
₦30k → Equity fund (Paramount or similar)
₦20k → Money Market Fund (stability)
👉 This protects you from:
Panic selling
Market crashes
8. Final answer (clear and direct)
Don’t wait for a drop ❌
Start investing now ✅
Use monthly investing strategy ✅
Think long-term (3–5 years minimum) ✅
If you want to level up
I can help you:
Compare Paramount vs ARM Aggressive vs other top funds
Or build a ₦50k/month portfolio plan step-by-step
That’s how you actually start building wealth, not guessing entry points.
This is a very common misunderstanding when investing in equity funds. Nothing is wrong — it's just how YTD works vs. your personal return. Let’s break it down very simply. First — What You Expected You invested in December 2025 in Paramount Equity Fund and expected: "When January starts, my returnRead more
This is a very common misunderstanding when investing in equity funds. Nothing is wrong — it’s just how YTD works vs. your personal return.
Let’s break it down very simply.
First — What You Expected
You invested in December 2025 in Paramount Equity Fund and expected:
“When January starts, my return should grow exactly like the YTD.”
But that’s not how YTD works.
Simple Explanation (Mama Ngozi Version 🍅)
Imagine:
On January 1, tomatoes price = ₦100
Today, tomatoes price = ₦150
So market YTD gain = 50%
But Mama Ngozi bought tomatoes in December at ₦140
Now:
₦140 → ₦150 = only 7% gain
Even though YTD = 50%, Mama Ngozi only got 7%
That’s exactly what happened to your investment.
What YTD Actually Means
YTD (Year-To-Date) means:
Performance from January 1 of the current year until today
So YTD is calculated from:
January 1 price
Not when you invested
Why Your Return Is Different
There are 3 main reasons:
1. You Invested Before January (Different Entry Price)
If:
December price = higher
January price = lower
Then YTD may look big — but your return may be smaller.
Because:
You bought at December price
YTD started from January price
2. Equity Funds Move Daily
Paramount Equity Fund is an equity fund, meaning:
Price goes up and down daily
Timing matters a lot
So:
Someone who invested January may have better return
Someone who invested December may have lower return
3. YTD Is Market Performance — Not Personal Performance
Important difference:
YTD
Your Return
Market performance
Your entry performance
Starts January 1
Starts when you invested
Same for everyone
Different for each investor
Example (Simple Numbers)
Date
Fund Price
Dec 2025
₦10
Jan 2026
₦8
Today
₦11
YTD:
₦8 → ₦11 = 37.5%
Your return:
₦10 → ₦11 = 10%
See the difference?
Good News
This is not bad — in fact:
You invested early
You are thinking long-term
Equity funds perform better over time
You’re doing the right thing.
My Advice (Very Important for Equity Funds)
With equity funds:
Ignore short-term percentage differences
Focus on 1–3 years performance
Continue adding gradually
Here is the clear difference between Money Market Fund (MMF) and Paramount Fund (Equity) on the InvestNaija platform. I'll explain major differences first, then minor differences, then which one is best for you. 🥇 Major Difference (Most Important) Feature Money Market Fund (MMF) Paramount Fund (EquiRead more
Here is the clear difference between Money Market Fund (MMF) and Paramount Fund (Equity) on the InvestNaija platform.
I’ll explain major differences first, then minor differences, then which one is best for you.
🥇 Major Difference (Most Important)
Feature
Money Market Fund (MMF)
Paramount Fund (Equity)
Risk Level
Low risk
High risk
Return
Moderate
High (but fluctuates)
Investment
Treasury bills, deposits
Nigerian stocks
Capital Safety
Very safe
Can go up or down
Best For
Beginners / short term
Long term growth
Withdrawal
Fast (1-2 days)
Slower sometimes
Volatility
Very stable
Can rise and fall
📊 What Money Market Fund (MMF) Does
The Chapel Hill Denham Money Market Fund:
Invests in Treasury bills, deposits, commercial paper
Focuses on capital preservation and steady income
Allows easy entry and exit
Pays steady returns with low volatility
Typical returns:
Around 20%–24% yearly (market dependent)
Best for:
Beginners
Emergency savings
Short-term investment
📈 What Paramount Fund (Equity) Does
The Chapel Hill Denham Paramount Fund (Equity):
Invests mainly in shares of Nigerian companies
Targets capital growth
Around 95% invested in stocks
High return but capital can fluctuate
Example:
66.33% return in 2025 (Jan-July)
494% return in 5 years
(But returns not guaranteed)
Best for:
Long-term investors
People who want higher growth
Investors who can handle market ups & downs
🧠 Minor Differences
Feature
MMF
Paramount Equity
Minimum investment
₦5,000
₦5,000
Investment horizon
Short term
Long term (3+ years)
Income type
Interest
Capital growth
Market exposure
No stock market
Stock market exposure
Volatility
Very low
High
🏆 Which One Should You Choose?
Since you’re new, I recommend:
Start Like This
60% → Money Market Fund
40% → Paramount Equity
This is safe beginner strategy.
Example: If you invest ₦100,000:
₦60,000 → MMF
₦40,000 → Paramount
This balances:
Safety
Growth
My Honest Advice (Based On You)
Since you’re:
New investor
Still learning
Building capital
Start with:
Money Market Fund first
Add Paramount gradually
This is the smart investor path.
It depends on you, If you are looking for capital preservation MMMF is the best, But if you want you are an aggressive investor (you are ok with high risk ) paramount is ok. Because Paramount is subjected to market trend because it invest majorly in stock while mmmf is always a low risk usually forRead more
It depends on you,
If you are looking for capital preservation MMMF is the best,
But if you want you are an aggressive investor (you are ok with high risk ) paramount is ok.
Because Paramount is subjected to market trend because it invest majorly in stock while mmmf is always a low risk usually for investors looking for a short term investment and capital preservation.
How can I withdraw only my profits from the InvestNaija Paramount Equity Fund without touching my capital?
Ah, my dear, thank you for bringing up this important question about redeeming profits from your equity fund without touching your capital. Let's break it down step by step in the simplest way possible so that everyone, including Mama Ngozi, can understand:Simple Explanation:When you invest in an eqRead more
Ah, my dear, thank you for bringing up this important question about redeeming profits from your equity fund without touching your capital. Let’s break it down step by step in the simplest way possible so that everyone, including Mama Ngozi, can understand:
Simple Explanation:
When you invest in an equity fund like the InvestNaija Paramount Fund, you are buying shares of different companies. As these companies grow and make profits, the value of your shares also grows. Redeeming your profits means selling some of your shares to take out the money you’ve earned.
How it Works:
To redeem your profits without touching your capital, you need to sell only the additional shares you’ve gained from the increase in value. This way, you’re essentially cashing out the growth while keeping your initial investment intact.
Benefits:
– You get to enjoy the returns on your investment without reducing your original capital.
– By reinvesting your profits or using them for other purposes, you can further grow your wealth.
Risks:
– The value of your shares can go down, leading to lower profits or even losses if you sell at the wrong time.
– Market conditions and economic factors can impact the value of your investment.
Real-life Nigerian Example:
Imagine you bought bags of tomatoes to sell in the market. As the tomatoes ripen and become more valuable, you decide to sell some at a higher price while keeping a portion to continue growing and selling more tomatoes.
Common Mistakes:
One common mistake is redeeming all your shares, including the initial investment, which reduces your capital. It’s important to be strategic in selling only the profits.
Practical Steps to Get Started:
1. Check the current value of your equity fund investment.
2. Calculate the profits you’ve earned by subtracting your initial investment from the current value.
3. Work with your fund manager or brokerage to sell only the additional shares representing your profits.
Short Summary:
To redeem your equity fund profits without touching your capital, sell only the additional shares gained from the increase in value while keeping your initial investment untouched.
Now, my dear, what other ways can you think of to protect your capital while enjoying the profits from your investments?
See lessIs This a Good Time to Start Investing in Paramount Equity Fund in Nigeria?
Short answer: don’t wait for it to drop — start now and invest consistently. Let me break it down properly so you don’t make a common mistake. 1. What’s happening with Paramount Equity Fund now? The Paramount Equity Fund is indeed performing strongly: ~35–38% YTD return in 2026 Strong 2025 performanRead more
Short answer: don’t wait for it to drop — start now and invest consistently.
See lessLet me break it down properly so you don’t make a common mistake.
1. What’s happening with Paramount Equity Fund now?
The Paramount Equity Fund is indeed performing strongly:
~35–38% YTD return in 2026
Strong 2025 performance (~60%+)
Driven by a bullish Nigerian stock market (banks, oil, consumer stocks)
👉 That’s why it looks “hot” right now.
2. The mistake you’re about to make
You’re thinking:
“Should I wait for it to drop?”
Here’s the reality:
❌ You cannot time equity funds reliably
Nobody consistently predicts when it will drop
If you wait:
It might keep rising → you miss gains
Or drop later → you still hesitate
👉 This is how beginners stay out of the market too long
3. The correct strategy for your plan (₦50k monthly, 3 years)
Your plan is actually perfect — but only if you use the right approach:
✔ Use “Dollar Cost Averaging” (DCA)
That means:
Invest ₦50k every month
Whether market is:
High ✅
Low ✅
Falling ✅
Why this works:
When price is high → you buy fewer units
When price drops → you buy more units
👉 Over time, your average cost becomes balanced
4. Should you enter now?
✔ Yes — but not all your money at once
Since market is currently strong:
Start your monthly plan immediately
Don’t do “lump sum” right now unless:
You’re okay with short-term fluctuation
5. What risk you must understand (very important)
Unlike money market funds:
Equity fund = HIGH volatility
It can:
Go +30% this year
Go -15% next year
👉 The fund itself even states:
Designed for long-term (>5 years) investors
6. What will likely happen (realistic expectation)
Because the market is currently bullish:
Short term:
Possible pullback (normal correction)
Medium term (3+ years):
Likely growth if Nigeria market continues improving
7. Smart structure for you (this is key)
Since you’re disciplined (₦50k/month):
Suggested split:
₦30k → Equity fund (Paramount or similar)
₦20k → Money Market Fund (stability)
👉 This protects you from:
Panic selling
Market crashes
8. Final answer (clear and direct)
Don’t wait for a drop ❌
Start investing now ✅
Use monthly investing strategy ✅
Think long-term (3–5 years minimum) ✅
If you want to level up
I can help you:
Compare Paramount vs ARM Aggressive vs other top funds
Or build a ₦50k/month portfolio plan step-by-step
That’s how you actually start building wealth, not guessing entry points.
Why Is My Paramount Equity Fund Return Different from the YTD Performance After Investing in December?
This is a very common misunderstanding when investing in equity funds. Nothing is wrong — it's just how YTD works vs. your personal return. Let’s break it down very simply. First — What You Expected You invested in December 2025 in Paramount Equity Fund and expected: "When January starts, my returnRead more
This is a very common misunderstanding when investing in equity funds. Nothing is wrong — it’s just how YTD works vs. your personal return.
See lessLet’s break it down very simply.
First — What You Expected
You invested in December 2025 in Paramount Equity Fund and expected:
“When January starts, my return should grow exactly like the YTD.”
But that’s not how YTD works.
Simple Explanation (Mama Ngozi Version 🍅)
Imagine:
On January 1, tomatoes price = ₦100
Today, tomatoes price = ₦150
So market YTD gain = 50%
But Mama Ngozi bought tomatoes in December at ₦140
Now:
₦140 → ₦150 = only 7% gain
Even though YTD = 50%, Mama Ngozi only got 7%
That’s exactly what happened to your investment.
What YTD Actually Means
YTD (Year-To-Date) means:
Performance from January 1 of the current year until today
So YTD is calculated from:
January 1 price
Not when you invested
Why Your Return Is Different
There are 3 main reasons:
1. You Invested Before January (Different Entry Price)
If:
December price = higher
January price = lower
Then YTD may look big — but your return may be smaller.
Because:
You bought at December price
YTD started from January price
2. Equity Funds Move Daily
Paramount Equity Fund is an equity fund, meaning:
Price goes up and down daily
Timing matters a lot
So:
Someone who invested January may have better return
Someone who invested December may have lower return
3. YTD Is Market Performance — Not Personal Performance
Important difference:
YTD
Your Return
Market performance
Your entry performance
Starts January 1
Starts when you invested
Same for everyone
Different for each investor
Example (Simple Numbers)
Date
Fund Price
Dec 2025
₦10
Jan 2026
₦8
Today
₦11
YTD:
₦8 → ₦11 = 37.5%
Your return:
₦10 → ₦11 = 10%
See the difference?
Good News
This is not bad — in fact:
You invested early
You are thinking long-term
Equity funds perform better over time
You’re doing the right thing.
My Advice (Very Important for Equity Funds)
With equity funds:
Ignore short-term percentage differences
Focus on 1–3 years performance
Continue adding gradually
What Is the Difference Between Money Market Funds and Paramount Equity Fund on InvestNaija?
Here is the clear difference between Money Market Fund (MMF) and Paramount Fund (Equity) on the InvestNaija platform. I'll explain major differences first, then minor differences, then which one is best for you. 🥇 Major Difference (Most Important) Feature Money Market Fund (MMF) Paramount Fund (EquiRead more
Here is the clear difference between Money Market Fund (MMF) and Paramount Fund (Equity) on the InvestNaija platform.
See lessI’ll explain major differences first, then minor differences, then which one is best for you.
🥇 Major Difference (Most Important)
Feature
Money Market Fund (MMF)
Paramount Fund (Equity)
Risk Level
Low risk
High risk
Return
Moderate
High (but fluctuates)
Investment
Treasury bills, deposits
Nigerian stocks
Capital Safety
Very safe
Can go up or down
Best For
Beginners / short term
Long term growth
Withdrawal
Fast (1-2 days)
Slower sometimes
Volatility
Very stable
Can rise and fall
📊 What Money Market Fund (MMF) Does
The Chapel Hill Denham Money Market Fund:
Invests in Treasury bills, deposits, commercial paper
Focuses on capital preservation and steady income
Allows easy entry and exit
Pays steady returns with low volatility
Typical returns:
Around 20%–24% yearly (market dependent)
Best for:
Beginners
Emergency savings
Short-term investment
📈 What Paramount Fund (Equity) Does
The Chapel Hill Denham Paramount Fund (Equity):
Invests mainly in shares of Nigerian companies
Targets capital growth
Around 95% invested in stocks
High return but capital can fluctuate
Example:
66.33% return in 2025 (Jan-July)
494% return in 5 years
(But returns not guaranteed)
Best for:
Long-term investors
People who want higher growth
Investors who can handle market ups & downs
🧠 Minor Differences
Feature
MMF
Paramount Equity
Minimum investment
₦5,000
₦5,000
Investment horizon
Short term
Long term (3+ years)
Income type
Interest
Capital growth
Market exposure
No stock market
Stock market exposure
Volatility
Very low
High
🏆 Which One Should You Choose?
Since you’re new, I recommend:
Start Like This
60% → Money Market Fund
40% → Paramount Equity
This is safe beginner strategy.
Example: If you invest ₦100,000:
₦60,000 → MMF
₦40,000 → Paramount
This balances:
Safety
Growth
My Honest Advice (Based On You)
Since you’re:
New investor
Still learning
Building capital
Start with:
Money Market Fund first
Add Paramount gradually
This is the smart investor path.
Between MMMF and Paramount Equity Fund – Which one is the Best?
It depends on you, If you are looking for capital preservation MMMF is the best, But if you want you are an aggressive investor (you are ok with high risk ) paramount is ok. Because Paramount is subjected to market trend because it invest majorly in stock while mmmf is always a low risk usually forRead more
It depends on you,
If you are looking for capital preservation MMMF is the best,
But if you want you are an aggressive investor (you are ok with high risk ) paramount is ok.
See less