Category: Blog

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Blog Editor's pick Investor Education

 How to Reinvest Smarter: The Hidden Power of Compounding in Fixed-Income Investing

The secret to wealth isn’t just earning — it’s reinvesting.

Every time you roll your matured investment into a new deal, you’re quietly building momentum. Compounding isn’t reserved for stock portfolios; it’s the quiet engine that drives predictable growth, even in fixed-income investing.

Let’s start with a simple truth: money that sleeps loses power.

When your debt note or commercial paper matures, you face two choices; withdraw your returns or put them right back to work. The first gives you comfort; the second builds your wealth.

Here’s why reinvesting is a smarter move:

1. You shorten the time between returns.

Each reinvestment keeps your capital compounding continuously. You’re not starting from zero each time, your returns layer over time, even across short tenors.

2. You maintain momentum.

Idle money is dead weight. But when you keep it in rotation, your wealth compounds faster than you think. You go from one 12% deal to another 13% note without losing traction.

3. You reduce emotional investing.

Reinvestment turns discipline into strategy. Instead of reacting to every new deal emotionally, you move methodically, confident in your long-term plan.

4. You build predictable growth.

Fixed-income investing on GetEquity is already designed for stability. But when you reinvest consistently, your average yield strengthens. It’s like earning interest on top of interest, quietly and strategically.

Case Example:

Say you invest NGN1,000,000 in a 6-month commercial paper at 13%. You earn NGN65,000 after tax. If you immediately reinvest both principal and returns into another 6-month deal at a similar rate, your next payout increases slightly, not by luck, but by compounding.

It’s a small shift with a long-term payoff. That’s the real edge: consistency.

This November, take a second look at your matured investments on GetEquity. The compounding effect isn’t magic, it’s habit. Reinvesting is how you turn small wins into quiet wealth.

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Blog Credit Editor's pick Investor Education New Feature

Understanding Credit — And How GetEquity Is Redefining It

When most people think of credit, they think of borrowing money. But at its core, credit is built on “trust” the trust that you can access funds now and repay them later, usually with interest.

Credit drives modern economies. It helps businesses expand and gives individuals flexibility when they need it most. But it also comes with trade-offs, especially for investors who might need liquidity without losing their positions.

That’s where GetEquity Credit steps in.

Instead of selling your investment during an emergency, you can now use it as collateral. This way, your investment continues to earn for you, while you access the funds you need.

Interest is calculated daily, and repayment is flexible; you can pay back anytime before the tenor ends.

It’s a smarter way to manage liquidity without breaking your investment strategy.

Credit, redefined.

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Blog Editor's pick New Feature Press Releases

 Introducing Credit on GetEquity: Unlock Credit with Your Investments

What if your investments could do more than just grow over time?

At GetEquity, we’ve partnered with Carrot Credit to make that possible. Now, you can request credit directly from your GetEquity app – using your existing investments as collateral. No need to sell your investment. No need for long paperwork. Just smart, fast, and secure access to credit when you need it.

Here’s everything you need to know about how the feature works and how to get started.

What Is the GetEquity Credit Feature?

The new Credit feature allows you to access credit by using your investments (Fixed income investments e.g. commercial papers, treasury bills, etc. on GetEquity as collateral. It’s designed for investors who want liquidity without liquidating assets; whether you’re covering a personal emergency, bridging cash flow gaps, or funding new opportunities.

With this feature, your investments remain intact while they serve as a guarantee for the loan. Once approved, funds are disbursed within 24 hours.

This feature is in partnership with Carrot Credit, a digital lending partner that provides flexible loan options backed by real assets.

How It Works: A Step-by-Step Guide

Here’s how to request credit on the GetEquity app:

1. Open Your GetEquity App

Ensure you’re using the latest version.

2. Navigate to the “More” Section

From your dashboard, tap “More” to access extended features.

3. Select “Credit”

Tap on the Credit option to start your loan request.

4. Click “Request Credit”

This initiates the credit process.

5. Provide Loan Details

  • Select your loan duration.
  • Choose a loan reason from the options provided.

6. Set Loan Amount

  • Select investments (Fixed income investments e.g. commercial papers, debt notes etc) you want to use as collateral.
  • Choose one or more commercial papers.
  • Enter the number of investment tokens you want
  • You can only use naira investments you own.

7. Select a Loan Provider

Select Carrot credit as the available loan provider listed.

8. Review Your Loan Summary

Carefully go through the summary, including interest rate, duration, and repayment terms.

9. Add Full Name

Enter your full name. Please review the User Agreement and Privacy Policy before proceeding. Kindly provide your full name as registered on your GetEquity profile.

10. Select Account for Withdrawal

 Add a new bank or select from the existing list of beneficiaries. 

11. Submit Your Request 

Once submitted, your application is reviewed. If you meet the criteria, funds are credited within 24 hours.

What You Should Know

  • Collateral Limit: You can use investments you currently own as collateral. These can be from one or multiple companies. You can access up to 80% of the value of these investments in credit.
  • Interest rates: 4% monthly on the outstanding amount.
  • Repayments: your interest is calculated daily at a 4% per month. You can choose to repay at anytime before the end of the tenor and only pay back the accrued interest
  • Penalty for Late Repayment: If you have defaulted on your repayment your assets are automatically liquidated and your credit line is paid off 

Why Use This Feature?

  • Preserve Your Portfolio: Stay invested while gaining access to liquidity.
  • Quick Disbursement: Funds are credited within 24 hours..
  • No Paperwork: Fast, secure, and easy to use.

Frequently Asked Questions (FAQs)

1. Can I use more than one type of investment as collateral?

No, you can only leverage on your naira fixed income investments like commercial papers, treasury bills etc. 

2. How much can I borrow?

With Carrot credit, you can leverage up to 80% of the value of the investment you select as collateral.

3. How long does it take to receive the loan?

Your loan will be credited within 24 hours.

4. What happens if I don’t repay on time?

If you have defaulted on your repayment your assets are automatically liquidated and your credit line is paid off 

5. Is this feature available to all GetEquity users?

Yes, as long as you have Naira Fixed Income investments e.g. commercial papers, treasury bills etc. on the platform.

Ready to Get Started?

Open your GetEquity app, head to the Credit section, and see what your portfolio can unlock.

Smart credit access, powered by Carrot Credit.

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Blog Editor's pick Investor Education

 Building Financial Independence in an Independent Nigeria

When we celebrate October 1st, we’re remembering a journey toward self-determination. At GetEquity, we think about independence every day too, but in financial terms. True independence isn’t just a public holiday; it’s having choices about your money.

This post explores three practical ways Nigerian investors are building financial independence:

  1. Using regulated fixed-income instruments such as commercial papers and debt notes to create predictable cash flow.
  2. Diversifying income streams so one employer or market doesn’t control your future.
  3. Documenting your investing journey to stay disciplined.

The tools are available; the mindset is what turns them into freedom. As Nigeria marks another year of independence, ask yourself what financial freedom would look like for you in 12 months — and start taking the steps now.

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Blog Editor's pick Investor Education

The Power of Saying No: Spotting Deals That Aren’t Worth Your Money

Every investor loves spotting a good deal. But the truth is, not every opportunity deserves your money. In fact, one of the most underrated skills in investing isn’t identifying what to buy, it’s knowing what to skip. The power of “no” is what separates seasoned investors from those who fall for every shiny promise.

In this Wealth Bulletin, let’s unpack how to recognize when walking away is the smartest move you can make.

1. The Rate Is Too Good to Be True

If an investment promises abnormally high returns without a clear explanation of how those returns are generated, that’s a red flag. Remember, risk and return are always linked. If the yield sounds unrealistic compared to other market offerings, it might be masking risks you don’t see upfront.

2. The Issuer Isn’t Transparent

Trust comes from clarity. If you can’t get clear details about the issuer’s business model, cash flow, or repayment plan, then you’re betting on hope not information. Seasoned investors know that opacity is often a sign to step back.

3. Liquidity Is a Black Hole

Even a strong yield loses value if you can’t access your money when you need it. If an investment locks up your funds with no clarity on secondary market options or exit routes, consider whether that’s compatible with your goals.

4. Your Gut Says “Wait”

Sometimes it isn’t about the math, it’s about intuition. If something feels off, that hesitation is worth listening to. Rushed decisions and pressured timelines often lead to regret. Walking away is often the most rational move you can make.

Closing Thought:

Great investors don’t just collect deals, they curate portfolios. And sometimes the smartest decision is no decision at all. Your capital deserves discipline, not desperation.

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Blog Editor's pick Investor Education

When Is the Best Time to Invest in a Fixed-Income Deal?

Timing matters but maybe not the way you think.

When it comes to fixed-income investments like commercial papers, treasury bills, or debt notes, the biggest question many investors have is: “Should I wait for a higher rate?” or “What if something better comes along next week?”

Here’s the real answer: the best time to invest is when your money would otherwise be sitting idle.

Let’s unpack that.

Idle Cash Is Losing Value

If your money is just sitting in a regular savings account or worse, in a current account, it’s probably earning next to nothing. Meanwhile, inflation is eroding its value bit by bit. In that case, earning any steady return through a fixed-income investment is already a win.

Stop Chasing the “Perfect” Rate

A lot of people make the mistake of holding out for the highest possible rate. But here’s the catch, while you wait for something better, you’re missing out on consistent returns.

Example:

Let’s say you’re offered 22% per annum today for 180 days. You hesitate, thinking 25% might show up soon. Two weeks go by and nothing shows up. That’s two weeks your money did nothing.

You could’ve locked in a solid deal and already started earning.

Look at Timing, Not Just Rate

Ask yourself:

  • Do I need this money in the next 3–6 months?
  • Is this rate in line with market trends?
  • Is the issuer reputable and verified?

If the answers make sense, don’t overthink it. Most fixed-income products on platforms like GetEquity go fast for a reason, investors understand the value of compounding time with steady interest.

Don’t Miss Out on Compounding Windows

Every time you wait too long to invest, you’re shrinking the number of investment cycles you can complete in a year. Think of your money like a worker. The more shifts it takes, the more it earns. Waiting around means fewer shifts.

Final Thoughts

The best time to invest in fixed income isn’t when the rate is perfect, it’s when your money is ready and the deal is good. In a high-inflation economy, sitting out is often riskier than getting in.

Make your capital work. That’s how real wealth builds.

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Blog Editor's pick Investor Education Press Releases

What Does “Per Annum” Actually Mean When Your Investment Isn’t Up to a Year?

If you’ve been exploring fixed-income investments, you’ve probably seen returns like 25% per annum. But what does that really mean especially when the investment doesn’t last a full year?

Let’s break it down. 

First, What Does Per Annum Mean?

“Per annum” is Latin for “per year.” So, if you see “25% per annum,” it means you would earn 25% interest if you kept your money in that investment for a full 12 months.

But here’s the thing, many commercial papers and debt notes don’t run for 12 months. You might see tenors like 90 days, 182 days, or 272 days. That’s less than a year, so you’re not getting the full 25%. Instead, you’re getting the equivalent portion of it for the time your money is actually invested.

Think of it like this:

If a cake is meant to be eaten over 12 months, but you’re only joining the party for 6 months, you’ll only eat half the cake. Still delicious, just not the whole thing.

So What Do You Actually Earn?

Let’s take that same 25% per annum rate. If the tenor is 6 months (about 182 days), you’re getting half of that 25% so around 12.5%. If it’s for 3 months (about 90 days), you’re earning roughly 6.25%.

Again, no need to crunch numbers. Just remember: your actual return is simply a slice of the yearly rate, based on how long your money stays in.

Why Do Investment Platforms Use “Per Annum” Then?

Great question. Using a yearly rate makes it easy to compare offers side by side. It sets a common benchmark. Whether you’re investing for 90 days or 9 months, the “per annum” figure helps you quickly spot what pays more over time, if all things were equal.

But here’s the key: always check the tenor. A 25% per annum rate over 272 days gives you more than a 20% per annum over 180 days. It’s not just the rate, it’s also how long your money works for you.

TL;DR (But You Should Still Read It )
  • Per annum = what you’d earn in a full year.
  • For shorter-term investments, you only earn a proportional amount.
  • Always look at both the rate and the tenor before deciding.
  • You’re not getting cheated, it’s just how time and interest work together.

So next time someone says “it’s 25% per annum,” don’t assume you’re pocketing the full 25% unless you’re investing for the whole year. Think of it like time-based rent: your money gets paid for how long it stays on the job.

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Blog Editor's pick Investor Education

 Why Some Investors Don’t See Returns — and How to Fix It

You’ve invested but your money isn’t growing. Here’s why that might be happening and what you can do about it:

  1. Poor asset alignment
     Some investments simply don’t match your goals or risk appetite. Low-risk accounts won’t deliver meaningful growth; high-risk options may expose you to volatility.
  2. Not reinvesting earned interest
     Interest is powerful but its impact diminishes if not reinvested. Reinvesting earned returns compounds your earnings over time.
  3. Chasing trends over strategy
     Jumping into the latest “hot” asset without research leaves your portfolio vulnerable. A solid plan beats hype every time.

Solutions to reset growth

  • Evaluate your investment goals and time frame
  • Reinvest interest and roll over matured investments
  • Stick to a strategy with periodic reviews

Action Steps

  1. Review current holdings, are they aligned with your goals?
  2. Reinvest or rollover interest when possible
  3. Set a schedule for reviewing your portfolio; monthly or quarterly

GetEquity gives you the tools and insights to build a growth‑oriented, purpose‑driven portfolio.

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Blog Editor's pick Investor Education

Get Rich Quick? Here’s Why That’s a Trap

We’ve all seen it, someone promising crazy returns overnight or saying, “Invest 50,000 naira today and get 500,000 naira next week!” Sounds tempting, right? But here’s the truth: real wealth isn’t built overnight.

Fast Money vs. Smart Money

 Fast Money: High risk, zero guarantees, and often, huge losses.

Smart Money: Strategic, steady, and actually builds long-term wealth.

If making money was that easy, we’d all be billionaires by now. Even the richest investors play the long game.

So, How Do You Actually Build Wealth?

  1. Start with what you can afford – No need to go all in. Even 100,000 naira invested wisely grows over time.
  2. Think long-term – Wealth isn’t about flipping money in days, it’s about steady returns over months and years.
  3.  Diversify – Don’t put all your money in one place. Fixed-income investments, commercial papers, and debt instruments help you grow steadily.
  4. Avoid emotional investing – If it sounds too good to be true, it probably is.

Bottom Line?

Wealth is built with strategy, patience, and consistency. No shortcuts, no magic tricks—just smart investing.

Want to start investing the right way? Check out GetEquity today.

#WealthBuilding

#InvestSmart

#NoFastMoneyScams

#GetEquity

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Blog Editor's pick Investor Spotlight

Investor Spotlight –  Meet Afolabi Sokeye, The Goal-Getter Who’s Investing with Intention

“Keep it Simple, Stay Consistent” – Afolabi Sokeye on Building a Future Through Investing

At GetEquity, we believe every investor has a unique story, strategy, and spark that drives them. This month, we’re excited to shine the spotlight on Afolabi Sokeye, a passionate investor with a structured approach to wealth-building.

From building a robust portfolio to setting quarterly financial targets, Afolabi’s investing journey is a masterclass in planning, discipline, and execution. Let’s take a look at what drives his decisions, the lessons he’s learned, and how GetEquity fits into his bigger financial vision.

Why Afolabi Started Investing

Afolabi describes himself as “obsessed with the finance space” and we love that energy! His decision to start investing came from a desire to diversify his assets and gain access to a wider range of investment opportunities.

“I’m obsessed with the finance space and I was looking for more ways to diversify my investments and found GetEquity to be valuable for that use case. The experience has been great so far, there are a lot of options for me to invest in, from commercial papers to debt notes and more.”

His Investment Strategy

With a structured approach to his portfolio, Afolabi doesn’t invest on a whim. He’s clear on what he wants to achieve and makes sure every investment aligns with those goals.

“I have a robust financial portfolio and the targets I set to meet for myself every quarter. So my investments usually have to mirror those targets. I invest across low, medium, and high-risk assets and I’m always looking for a platform where I can invest seamlessly and track my progress over time.”

That’s the kind of intentional investing we love to see.

A Decision He’s Proud Of

In a market like Nigeria, doing your due diligence is key, and Afolabi knows it. One of his proudest moves has been aligning with a trustworthy platform like GetEquity.

“It’s hard to find a consistent investment partner because in Nigeria, you always have to do due diligence to make sure they can’t run away with your money. In GetEquity’s case, it was a good match because they’ve been providing value in the investment space for some time now. As they say in Nigeria, Return of Capital is better than nothing.”

Preach!

His Advice to New Investors

Afolabi keeps it simple and practical when it comes to advice:

“Keep your investment strategy simple and time-bound. Have a particular amount or percentage out of your income that you plan to invest every month. The most important thing when starting is consistency, and then over time, let your investments compound.”

We couldn’t agree more. Compounding is quiet, but it’s powerful.

How GetEquity Fits into His Future

For Afolabi, investing isn’t just a financial decision, it’s a long-term lifestyle choice.

“It has made me more confident in my financial future. Investment gives you freedom in ensuring your future is safe and secure for you and the people you care about. Now when I plan my long-term goals, I also put in mind how my investments align with them.”

We love to see investors building legacies, not just returns.

Final Thoughts

Afolabi’s journey reminds us that successful investing is less about chasing quick wins and more about discipline, structure, and trust. Whether it’s aligning your investments with quarterly goals or choosing platforms that prioritize security and transparency, consistency is key.

At GetEquity, we’re proud to be a part of Afolabi’s financial journey, and we’re inspired by how he’s turning smart money moves into long-term freedom, not just for himself, but for the people he cares about.

So, if you’ve been thinking about investing but didn’t know where to start, take a page from Afolabi’s book: keep it simple, stay consistent, and let your money work for you.

Feeling inspired? Start your investment journey today with GetEquity and unlock access to curated investment opportunities that suit your financial goals.

 Start Investing Now

#InvestorSpotlight

#InvestWithGetEquity

#WealthBuilding

#FinancialFreedom

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Blog Editor's pick Inside The Markets

Investing in Nigeria: Where Do We Stand?

If you live in Nigeria, chances are you’ve heard someone say, “Investing is for rich people.” But is that really true? Let’s break it down.

Do Nigerians Invest?

Not really… at least not as much as we should. According to the Securities and Exchange Commission, less than 5% of adult Nigerians invest in the capital market. Compare that to the 61% of U.S. adults who own stocks, and you see the gap.

So, where’s everyone putting their money?

Shifting to Fixed-Income Investments

With inflation hitting 34.60%, many Nigerians are choosing fixed-income investments like commercial papers, corporate bonds, and treasury bills over traditional stock investments. Why? Because these investments offer predictable returns and protect against inflation.

Even foreign investors are paying attention! Some are earning up to 25% on Nigerian bonds, seeing it as a smart way to grow their money.

How’s the Nigerian Stock Market Doing?

Surprisingly well! In 2024, the Nigerian Exchange (NGX) recorded a 37.65% increase, adding ₦15.41 trillion in capital gains. That means investors who stayed in the game made serious money.

But, there’s a catch; currency devaluation. Companies like MTN reported a 69% drop in earnings because of the naira’s decline. So while stocks are profitable, they also come with risks.

What Does This Mean for You?

If you’ve been sitting on the sidelines, thinking, “I’ll start investing later,” this is your sign to start now. Whether it’s fixed-income investments, bonds, or equity, there’s an option for every investor.

The best way to secure your financial future? Start today.

Sources: SEC Nigeria, NGX, Financial Times, Reuters.

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Blog Editor's pick Investor Spotlight IWD

Investor Spotlight: Meet Olamide Apejoye, A GetEquity Investor Who’s Making Smart Money Moves

At GetEquity, we love celebrating investors who are not just growing their wealth but doing so with strategy and purpose. This month, we’re shining the spotlight on Olamide Apejoye (Lami), an investor who has found her groove in the world of commercial papers and foreign currency investments. Her journey is proof that starting small can lead to big financial wins!

From her first $10 investment to handling larger volumes, Lami shares her experience, strategy, and advice for women looking to take charge of their financial future.

Why Did Lami Start Investing on GetEquity?

For Lami, the biggest draw to GetEquity was the early access to companies with high-growth potential.

“One interesting thing about GetEquity is the early opportunity it gives you to be a part of a company that has the potential to go global in the near future. The opportunity to own ‘stakes’ even from the company’s ‘humble days’ is what attracted me.”

Being part of something big from the ground up? Now, that’s a smart move!

How Does She Choose the Right Investments?

When it comes to investing, Lami keeps it simple: returns and security are her top priorities.

“I look out for the percentage to be garnered at the maturity stage and decide if that is worth it or not. Also, I LOVE investments in foreign currencies (USD), they are safer for me, knowing Nigeria’s market’s obsession with dollar fluctuations.”

With the naira doing its usual dance against the dollar, we totally get why she prefers foreign currency investments.

The Challenges of Being a Woman Investor

Every investor faces challenges, but for Lami, her biggest hurdle is wanting to invest more.

“Having more money to invest. Sometimes I wish I could do more volumes, especially in commercial papers (my fav). It simply inspires me to work harder. It’s almost safe to say I work harder to get more to invest and then enjoy life.”

Honestly, this is the kind of motivation we love to see—work hard, invest smart, and still enjoy life. Balance is key!

Her Advice for Women Looking to Start Investing

Lami’s advice? Start small, be consistent, and find what works for you.

“Start small and be consistent. I remember starting with as little as $10 or so, and now I’m doing larger volumes on both GetEquity and other investment platforms. Also, read and do your research on what works best for the kind of life you live. As for me, I have realised I LOVE commercial papers ”

Investing isn’t a one-size-fits-all journey. Finding what aligns with your lifestyle and goals is the real game-changer.

How Investing Has Transformed Her Financial Mindset

For Lami, investing isn’t just about growing her money, it’s about building confidence and financial power.

“It has given me more financial audacity really. Watching my $10 grow in worth made me inspired to do larger volumes and to embrace other forms of investments locally as well.”

Now, that’s the kind of energy we love! financial audacity!

Final Thoughts

Lami’s journey shows that investing isn’t just for the wealthy, it’s for anyone willing to start, stay consistent, and take calculated risks. Whether it’s commercial papers, foreign currency investments, or equity stakes in promising companies, there’s always a path to financial growth.

Inspired by Lami’s story? It’s never too late to start your investment journey. Explore opportunities on GetEquity today!

Start Investing Now

#InvestorSpotlight

#InvestWithGetEquity

#FinancialGrowth