First… Forgetting your shares does NOT erase them. Shares in Nigeria are not stored in your head… they are stored in systems. These systems include: • Stockbrokers • Registrars • CSCS (Central Securities Clearing System) So even if you forget everything… there is still a record somewhere. Let Me ExpRead more
First…
Forgetting your shares does NOT erase them.
Shares in Nigeria are not stored in your head…
they are stored in systems.
The shares are stored with the Central Securities Clearing System (CSCS). Get the CSCS number from the stock broker used in trading. Log into the CSCS platform using your Clearing House Number (CHN). All the shares will be visible. Regarding how to claim dividends. Identify the stocks bought, afterRead more
The shares are stored with the Central Securities Clearing System (CSCS). Get the CSCS number from the stock broker used in trading. Log into the CSCS platform using your Clearing House Number (CHN). All the shares will be visible.
Regarding how to claim dividends.
Identify the stocks bought, after that, search for the name of the Registrar in charge of the stocks. Fill the e-dividend mandate form, all unclaimed dividends will be visible, you can fill in your bank details to receive payment.
Note: Dividend payment can only be made if the company had declared dividend payment, and also if the stocks were bought before or on the ex dividend date (qualification date).
In buying stocks, bid is the price at which buyers are willing to buy, while offer is the price at which sellers are willing to sell. These can be found in the stock order book. Also, the best time to buy stocks is during recession, e.g economy breakdown. Stocks are best bought when it is dropping.Read more
In buying stocks, bid is the price at which buyers are willing to buy, while offer is the price at which sellers are willing to sell. These can be found in the stock order book.
Also, the best time to buy stocks is during recession, e.g economy breakdown. Stocks are best bought when it is dropping.
It is imperative to study the support and resistance level of stocks. The support level is the price a stock will drop to then buyers will begin to dominate the market, that is the best time to buy, while the resistance level is the price the stock will rise to before sellers dominate the market by selling off shares, except when there is a breakthrough.
The support and resistance level can guide you in knowing when to buy and sell, it is advisable to combine it with other technical analysis tools.
Mutual funds are generally better for beginners because they offer instant diversification and professional management. Instead of picking one company and risking everything on its success, a mutual fund pools your money with others to buy a basket of different stocks, which lowers your overall riskRead more
Mutual funds are generally better for beginners because they offer instant diversification and professional management. Instead of picking one company and risking everything on its success, a mutual fund pools your money with others to buy a basket of different stocks, which lowers your overall risk.
First, what does "buying a stock" even mean? When you buy Fidelity Bank stock, you're buying a tiny piece of ownership in that bank. If the bank grows and makes more money, your piece becomes worth more. If it struggles, your piece loses value. Simple. What does N100,000 actually buy you? Fidelity BRead more
First, what does “buying a stock” even mean?
When you buy Fidelity Bank stock, you’re buying a tiny piece of ownership in that bank. If the bank grows and makes more money, your piece becomes worth more. If it struggles, your piece loses value. Simple.
What does N100,000 actually buy you?
Fidelity Bank shares are currently trading around ₦19–21 per share on the Nigerian Stock Exchange. So with N100,000 you’d own roughly 4,700 to 5,200 shares. Not bad for a start.
Is the stock performing well? 📊
Honestly — yes, the business itself is growing fast. In 2024 alone:
Revenue grew by over 124%
Profits grew by 179%
Those are strong numbers. Analysts believe the share price could rise to around ₦23–₦28 within the year. If you bought at ₦19 and it hits ₦28, that’s roughly 47% profit on your N100,000 — meaning you’d walk away with around N147,000.
On top of that, Fidelity Bank paid a 12% dividend in 2024 — meaning they share part of their profits with shareholders every year just for holding the stock.
Consolidation period simply means a time when a stock is moving sideways, not going up or down strongly. During this period, the price stays within a small range because buyers and sellers are balanced. What is happening behind the scenes is demand and supply trying to find a new direction. Buyers aRead more
Consolidation period simply means a time when a stock is moving sideways, not going up or down strongly. During this period, the price stays within a small range because buyers and sellers are balanced.
What is happening behind the scenes is demand and supply trying to find a new direction. Buyers are not strong enough to push the price higher, and sellers are not strong enough to push it lower, so the price keeps moving within a narrow range.
Let me borrow Mama Ngozi from Mr. Iking Ferry to explain this better.
Imagine Mama Ngozi is selling tomatoes in the village.
At some point, the price of tomatoes becomes stable because the number of people buying and the number of tomatoes available are balanced.
The price is not increasing or decreasing much. That is like consolidation. But after some time, if more buyers enter the market or supply reduces, the price may start to move up or down again.
In stock market terms, consolidation often happens before a major move. It is like the market is taking a break before deciding its next direction.
in simple terms:
Consolidation is a period of balance where the market is gathering strength. Once demand or supply becomes stronger, the price will eventually break out of that range either upward or downward.
This is a very important question many Nigerians are asking now, especially with everything happening to the naira and global markets. The truth is this, it is not about choosing only US stocks or only Nigerian stocks. It is about understanding what each one offers and using them wisely. Let me explRead more
This is a very important question many Nigerians are asking now, especially with everything happening to the naira and global markets.
The truth is this, it is not about choosing only US stocks or only Nigerian stocks. It is about understanding what each one offers and using them wisely.
Let me explain it in a simple way.
Right now, Nigerian stocks are doing very well. In fact, recent reports show that the Nigerian stock market has delivered very strong returns, even ranking among the best globally in 2026. This is because companies are recovering, profits are improving, and the economy is becoming more stable.
So yes, Nigerian stocks have good opportunities, especially now that the market is growing again.
But there is another side many people ignore, and that is currency.
The naira has lost a lot of value over time compared to the dollar. This means even if your Nigerian stock grows, the value of your money can reduce when compared globally.
Now let me explain with Mama Ngozi.
Imagine Mama Ngozi has two options.
She can invest her money in her village tomato business. The business is doing well, and she is making good profit every year. That is like Nigerian stocks right now.
But there is another option. She can also invest part of her money in a bigger market in the city where traders sell to many countries and collect stronger currency. That is like US stocks.
If she keeps all her money only in the village, she may grow, but she is still exposed to problems in that village.
If she keeps all her money only in the city, she may miss good opportunities happening in her own village.
But if she combines both, she becomes stronger.
This is how wise investors think.
US stocks give you stability, global exposure, and protection against naira risk.
Nigerian stocks give you local growth and opportunities, especially when the economy is improving.
So the question is not which one is better, but how to balance both.
If you are a beginner, you can start with Nigerian stocks because they are easier to understand. Then gradually add US stocks to protect your money from currency risk.
Wise investing is not about choosing one market, it is about spreading your risk and positioning yourself to grow in both local and global opportunities.
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.
How do I check the stocks I bought in Nigeria if I forgot my investment records?
First… Forgetting your shares does NOT erase them. Shares in Nigeria are not stored in your head… they are stored in systems. These systems include: • Stockbrokers • Registrars • CSCS (Central Securities Clearing System) So even if you forget everything… there is still a record somewhere. Let Me ExpRead more
First…
Forgetting your shares does NOT erase them.
Shares in Nigeria are not stored in your head…
they are stored in systems.
These systems include:
• Stockbrokers
• Registrars
• CSCS (Central Securities Clearing System)
So even if you forget everything…
there is still a record somewhere.
Let Me Explain With a Simple Story ( Just like Iking Ferry🤭😁😁)
Imagine you buried money inside your compound years ago.
Now you forgot the exact spot.
Does the money disappear?
No.
It is still inside the ground…
you just need the right method to locate it.
That is exactly what we are about to do.
Oya… Here Is How You Find Your Forgotten Shares
STEP 1: Check Your Bank Account History
This is your first clue.
Look for:
• Old debit alerts to stockbrokers
• Dividend payments (very important)
• Narrations like “dividend”, “CSCS”, or company names
If you ever received dividends,
that bank account is a major lead.
STEP 2: Check Your Email / Phone Messages
Search your email using keywords like:
• “CSCS”
• “dividend”
• “shares”
• company names
Also check SMS messages.
Many registrars send:
• Dividend alerts
• Shareholding updates
STEP 3: Contact Your Stockbroker (If You Remember)
Even if you don’t remember everything, try to recall:
• Someone who introduced you
• Any trading platform you used
Stockbrokers keep records of your transactions.
STEP 4: Do a CSCS Search (VERY POWERFUL STEP)
This is one of the most reliable ways.
CSCS is where most Nigerian shares are stored electronically.
What to do:
• Visit a stockbroker
• Request a CSCS account search
• Provide your full name, date of birth, and ID
If you ever had a CSCS account,
they can trace your holdings.
STEP 5: Contact Multiple Registrars
Even if you don’t know the companies…
Registrars can help you search.
You will:
• Write a request letter
• Provide your full name
• Attach valid ID
They will check if your name exists in their database.
STEP 6: Use the Unclaimed Dividend Route
This one is like a hidden treasure map.
If you ever bought shares,
there is a chance you have unclaimed dividends.
Registrars can search using:
• Your name
• Your bank details
And once they find dividend records…
they can trace the actual shares behind it.
Let Me Be Honest With You
If you have:
• Changed your name
• Used different spellings
• Used different bank accounts
It may take longer.
Because Nigerian share records are sometimes:
• fragmented
• duplicated
• or slightly inconsistent
But that does NOT mean it is impossible.
Very Important Tip
When searching, always try different variations of your name.
For example:
• “Chukwuemeka Okafor”
• “C. Okafor”
• “Emeka Okafor”
Small differences matter in the system.
Final Truth You Must Understand
This process is like searching for a lost property.
It requires:
• patience
• documentation
• persistence
But people recover their shares every single day in Nigeria.
Let Me Leave You With This
In finance, forgetting does not destroy value.
It only hides it.
So ask yourself:
• Which bank account did I use then?
• Did I ever receive dividend alerts?
• Can I trace any broker or registrar?
Because once you follow the trail…
What was “lost”
becomes “found.”
I am Rose Ejituru
See lessHow to Recover Shares and Unclaimed Dividends of a Deceased Parent?
The shares are stored with the Central Securities Clearing System (CSCS). Get the CSCS number from the stock broker used in trading. Log into the CSCS platform using your Clearing House Number (CHN). All the shares will be visible. Regarding how to claim dividends. Identify the stocks bought, afterRead more
The shares are stored with the Central Securities Clearing System (CSCS). Get the CSCS number from the stock broker used in trading. Log into the CSCS platform using your Clearing House Number (CHN). All the shares will be visible.
Regarding how to claim dividends.
Identify the stocks bought, after that, search for the name of the Registrar in charge of the stocks. Fill the e-dividend mandate form, all unclaimed dividends will be visible, you can fill in your bank details to receive payment.
Note: Dividend payment can only be made if the company had declared dividend payment, and also if the stocks were bought before or on the ex dividend date (qualification date).
See lessIn buy stock what is bid and offer and when is the right time to buy so I don't buy costly?
In buying stocks, bid is the price at which buyers are willing to buy, while offer is the price at which sellers are willing to sell. These can be found in the stock order book. Also, the best time to buy stocks is during recession, e.g economy breakdown. Stocks are best bought when it is dropping.Read more
In buying stocks, bid is the price at which buyers are willing to buy, while offer is the price at which sellers are willing to sell. These can be found in the stock order book.
Also, the best time to buy stocks is during recession, e.g economy breakdown. Stocks are best bought when it is dropping.
It is imperative to study the support and resistance level of stocks. The support level is the price a stock will drop to then buyers will begin to dominate the market, that is the best time to buy, while the resistance level is the price the stock will rise to before sellers dominate the market by selling off shares, except when there is a breakthrough.
The support and resistance level can guide you in knowing when to buy and sell, it is advisable to combine it with other technical analysis tools.
See lessBetween Mutual funds or buying Shares which is better for a beginner?
Mutual funds are generally better for beginners because they offer instant diversification and professional management. Instead of picking one company and risking everything on its success, a mutual fund pools your money with others to buy a basket of different stocks, which lowers your overall riskRead more
Mutual funds are generally better for beginners because they offer instant diversification and professional management. Instead of picking one company and risking everything on its success, a mutual fund pools your money with others to buy a basket of different stocks, which lowers your overall risk.
See lessWhat Are the Best Stocks to Buy Now for Profit Within 6 Months?
What are the steps to follow to buy a share or stock fory one year daughter
What are the steps to follow to buy a share or stock fory one year daughter
See lessIs Fidelity Bank Stock a Good Investment for Short-Term Growth in Nigeria?
First, what does "buying a stock" even mean? When you buy Fidelity Bank stock, you're buying a tiny piece of ownership in that bank. If the bank grows and makes more money, your piece becomes worth more. If it struggles, your piece loses value. Simple. What does N100,000 actually buy you? Fidelity BRead more
First, what does “buying a stock” even mean?
When you buy Fidelity Bank stock, you’re buying a tiny piece of ownership in that bank. If the bank grows and makes more money, your piece becomes worth more. If it struggles, your piece loses value. Simple.
What does N100,000 actually buy you?
Fidelity Bank shares are currently trading around ₦19–21 per share on the Nigerian Stock Exchange. So with N100,000 you’d own roughly 4,700 to 5,200 shares. Not bad for a start.
Is the stock performing well? 📊
Honestly — yes, the business itself is growing fast. In 2024 alone:
Revenue grew by over 124%
Profits grew by 179%
Those are strong numbers. Analysts believe the share price could rise to around ₦23–₦28 within the year. If you bought at ₦19 and it hits ₦28, that’s roughly 47% profit on your N100,000 — meaning you’d walk away with around N147,000.
- On top of that, Fidelity Bank paid a 12% dividend in 2024 — meaning they share part of their profits with shareholders every year just for holding the stock.
See lessWhat are the best stocks to buy for a beginner in 2026?
You don't need recommended stock, you need skill to learn so that you will understand which stock to put for good leverage.
You don’t need recommended stock, you need skill to learn so that you will understand which stock to put for good leverage.
See lessHow do one understand the consolidation period of a stock?
Consolidation period simply means a time when a stock is moving sideways, not going up or down strongly. During this period, the price stays within a small range because buyers and sellers are balanced. What is happening behind the scenes is demand and supply trying to find a new direction. Buyers aRead more
Consolidation period simply means a time when a stock is moving sideways, not going up or down strongly. During this period, the price stays within a small range because buyers and sellers are balanced.
What is happening behind the scenes is demand and supply trying to find a new direction. Buyers are not strong enough to push the price higher, and sellers are not strong enough to push it lower, so the price keeps moving within a narrow range.
Let me borrow Mama Ngozi from Mr. Iking Ferry to explain this better.
Imagine Mama Ngozi is selling tomatoes in the village.
At some point, the price of tomatoes becomes stable because the number of people buying and the number of tomatoes available are balanced.
The price is not increasing or decreasing much. That is like consolidation. But after some time, if more buyers enter the market or supply reduces, the price may start to move up or down again.
In stock market terms, consolidation often happens before a major move. It is like the market is taking a break before deciding its next direction.
in simple terms:
See lessConsolidation is a period of balance where the market is gathering strength. Once demand or supply becomes stronger, the price will eventually break out of that range either upward or downward.
Is it better to invest in US stocks or Nigerian stocks in 2026?
This is a very important question many Nigerians are asking now, especially with everything happening to the naira and global markets. The truth is this, it is not about choosing only US stocks or only Nigerian stocks. It is about understanding what each one offers and using them wisely. Let me explRead more
This is a very important question many Nigerians are asking now, especially with everything happening to the naira and global markets.
The truth is this, it is not about choosing only US stocks or only Nigerian stocks. It is about understanding what each one offers and using them wisely.
Let me explain it in a simple way.
Right now, Nigerian stocks are doing very well. In fact, recent reports show that the Nigerian stock market has delivered very strong returns, even ranking among the best globally in 2026. This is because companies are recovering, profits are improving, and the economy is becoming more stable.
So yes, Nigerian stocks have good opportunities, especially now that the market is growing again.
But there is another side many people ignore, and that is currency.
The naira has lost a lot of value over time compared to the dollar. This means even if your Nigerian stock grows, the value of your money can reduce when compared globally.
Now let me explain with Mama Ngozi.
Imagine Mama Ngozi has two options.
She can invest her money in her village tomato business. The business is doing well, and she is making good profit every year. That is like Nigerian stocks right now.
But there is another option. She can also invest part of her money in a bigger market in the city where traders sell to many countries and collect stronger currency. That is like US stocks.
If she keeps all her money only in the village, she may grow, but she is still exposed to problems in that village.
If she keeps all her money only in the city, she may miss good opportunities happening in her own village.
But if she combines both, she becomes stronger.
This is how wise investors think.
US stocks give you stability, global exposure, and protection against naira risk.
Nigerian stocks give you local growth and opportunities, especially when the economy is improving.
So the question is not which one is better, but how to balance both.
If you are a beginner, you can start with Nigerian stocks because they are easier to understand. Then gradually add US stocks to protect your money from currency risk.
Wise investing is not about choosing one market, it is about spreading your risk and positioning yourself to grow in both local and global opportunities.
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 less