Tag: investments

Categories
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.

Categories
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.

Categories
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.

Categories
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.

Categories
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.

Categories
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.

Categories
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.

Categories
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.

Categories
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

Categories
Editor's pick Investor Education Using GetEquity

If You Invested 100,000 Naira in a Commercial Paper, here’s how it would have gone

Imagine this: You just got a 100,000 naira alert, and instead of spending it on vibes and weekend brunch, you decide to invest it in a commercial paper. Six months later, you check your balance… and guess what? Your money has grown!

Here’s What Would Have Happened

Six months ago, you put 100,000 naira into a 180-day commercial paper with a 27% per annum return. You didn’t have to check charts daily, stress about market dips, or pray for “pump signals.” You just invested and relaxed.

Now, fast forward 180 days… your investment matured. You got back your initial 100,000 naira plus your interest earnings (minus charges and withholding tax, of course).

So instead of seeing a debit alert for something you barely remember buying, you’re seeing more money than you started with. Feels good, right?

Why More People Are Doing This

  1.  It’s stress-free – No need to monitor the market. Just invest and let it grow.
  2. Short-term, high returns – Unlike savings accounts, CPs offer better rates in a shorter time.
  3. You stay ahead of inflation – Because money sitting in your bank account is losing value every day.

The Fine Print (a.k.a What You Should Know)

  1. Withholding Tax Applies – The government takes a small cut (10%) from your earnings before you get paid.
  2. Charges Apply on GetEquity – Like any investment platform, there are small processing fees, but your returns remain solid.

The Real Question: What Will You Do With Your Next 100,000 naira ?

Will you:

a) Spend it on a weekend dettying? (We won’t judge)

b) Save it where it won’t grow? (Inflation is watching you)

c) Invest it in a commercial paper and let your money work for you? (Smart move!)

Start Investing Now !!

Categories
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

Categories
Blog Editor's pick Investor Education Salary Chronicles

5 Habits Keeping You Broke Before Salary Week (And How to Fix Them!)

Meet Tobi.

Every month, it’s the same cycle. Salary drops, enjoyment follows, and two weeks later, she’s staring at her account balance like: “Who spent all this money?!”

Sounds familiar? You’re not alone. But if you’re tired of counting down to payday like it’s your lifeline, it’s time to fix these money-draining habits.

1. Impulse Spending – “It’s Just ₦5K” (Lies We Tell Ourselves)

Tobi swears she doesn’t spend much, but somehow, her money keeps vanishing. Little things like that extra meal, random online shopping, or “just one more” Uber add up fast.

 Fix it: Give yourself a “fun budget.” Set aside a specific amount for small splurges so you don’t wreck your finances on impulse buys.

2. Living for the Weekend – “Soft Life” Can Wait!

TGIF hits, and Tobi is out, buying drinks for the squad like she’s Dangote’s heir. By Sunday, she’s doing financial calculations and looking for free food.

Fix it: Plan your fun. Not every weekend needs a grand outing. Look for budget-friendly ways to enjoy yourself; game nights, picnics, or even chilling at home with friends.

3. “I’ll Save What’s Left” – (Spoiler: There’s Never Anything Left)

Tobi promises to save but only after she’s spent on everything else. The problem? There’s never any money left to save.

Fix it: Pay yourself first. Set up an automated savings plan or invest a percentage of your salary immediately before spending anything else.

4. Ignoring Investments – Your Money Should Be Working Too!

Leaving all your money in a regular account is like letting it nap while inflation eats it away. Tobi keeps postponing investments because she thinks she needs millions to start.

Fix it: Start small but smart. At GetEquity we offer low-risk fixed-income investments. Even ₦100K can start making you passive income!

5. Depending on One Income – One Salary, Plenty of Expenses = Wahala

Tobi’s salary is gone before the month ends, and she’s back to square one. One income, too many responsibilities, it’s stressful!

Fix it: Look into side hustles or investments that can earn you extra income. Passive income = peace of mind.

Break the Cycle This Salary Week!

Tobi has learned her lesson. Instead of repeating the broke cycle, she’s setting up a budget, automating her savings, and making her money work for her on GetEquity. 

If you’re ready to stop struggling before payday, it’s time to take control of your money.

 Start investing today with as little as ₦100K. Your future self will thank you! www.getequity.io

#SmartMoneyMoves #SalaryWeek #InvestWithGetEquity