Hello, good day sir. I’m one of your followers on Facebook and fokona. Though I started following you around February and ever since I started following you my thinking about money totally changed for good. Please sir, there is something bothering me and giving me sleepless night. I have 320k in my palmpay fixed savings and the interest will be 57k but my mind always tell to me to withdraw my money from and use it to buy stocks although I bought some stocks like jaiz,fcmb, mecure, fidelity, and vfdgroup. But I bought those stocks when I haven’t really understood how the stock market works. For awhile now I have been monitoring some stocks like accesscorp, greenwetf, wapco, and aradel holdings. Sir, what do you suggest that I should do?
Note: I’m a very risktaker. But I really need your your opinion as a financial advocate. Thanks so much sir. I will be waiting for your response 🙏🙏🙏
You're thinking like a serious investor now — this is a very good sign. You're moving from random buying to strategic allocation. 📈 Let me break this down carefully as your financial advocate. 1. Your Current Situation (Strong Position) You have: ₦320,000 in PalmPay Fixed Savings Expected Interest:Read more
You’re thinking like a serious investor now — this is a very good sign. You’re moving from random buying to strategic allocation. 📈
See lessLet me break this down carefully as your financial advocate.
1. Your Current Situation (Strong Position)
You have:
₦320,000 in PalmPay Fixed Savings
Expected Interest: ₦57,000
Total at maturity: ₦377,000
This is ~17.8% return — which is actually very good and risk-free.
So the first key point:
👉 You’re currently holding a guaranteed return
👉 Stocks are not guaranteed
Even as a risk-taker, smart investors don’t abandon guaranteed returns casually.
2. Stocks You’ve Already Bought (Good Picks Overall)
You mentioned:
Jaiz Bank Plc
FCMB Group Plc
Mecure Industries Plc
Fidelity Bank Plc
VFD Group Plc
These are actually not bad choices — especially:
FCMB (growth potential)
Fidelity (consistent performer)
VFD Group (high-risk, high-reward)
You didn’t do badly at all, even before understanding.
3. Stocks You’re Monitoring (Very Smart List)
You mentioned:
Access Holdings Plc
Greenwich Exchange Traded Fund (GreenW ETF)
Lafarge Africa Plc
Aradel Holdings Plc
This is actually a more mature investor list:
AccessCorp → strong dividend + growth
GreenW ETF → diversification
WAPCO → infrastructure boom play
Aradel → oil & gas growth
You’re improving significantly. 📊
4. My Honest Financial Advocate Advice
Since you’re a risk taker, here’s the smart aggressive strategy:
Option A (Best Balanced Strategy)
Do NOT withdraw everything.
Instead:
Keep ₦200k in PalmPay (secure return)
Withdraw ₦120k to invest gradually
Why?
You get:
Guaranteed interest on ₦200k
Exposure to stock upside with ₦120k
This is called Risk-Balanced Aggression.
Professional investors do this.
5. Even Better Strategy (My Favorite for You)
Because you are:
Risk taker
Learning investor
Monitoring market
I suggest:
Wait until PalmPay maturity, then:
Split ₦377k like this:
₦150k → Stocks (gradual buying)
₦150k → Fixed income / savings
₦77k → Opportunistic buys (market dips)
This gives you:
Aggressive growth
Safety
Flexibility
Very powerful strategy.
6. My Top Picks From Your Watchlist (Ranked)
My personal ranking for you:
Aradel Holdings (long-term growth)
AccessCorp (steady + dividend)
WAPCO (medium-term upside)
GreenW ETF (safe diversification)
7. One More Important Advice
Don’t invest all at once.
Instead:
Buy in phases:
First buy → 30%
Second buy → 30%
Third buy → 40%
This reduces risk.
This is called Dollar Cost Averaging.
My Final Recommendation
Do NOT withdraw your PalmPay now.
Wait for maturity → then deploy strategically.
You:
Keep guaranteed profit
Enter market smarter
Reduce regret risk
Thanks so much. I'm very grateful 🙏
Thanks so much. I’m very grateful 🙏
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