Tag: investor education

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Blog Editor's pick Investor Education The Wealth Bulletin

The 10-Minute Portfolio Check That Every Serious Investor Should Do Before Year-End

There’s something about December that makes people either overreact or do nothing and if you ask me, I’ll say both are risky for investors.

Year-end isn’t about scrambling for the best yield. It’s about clarity: knowing where your money currently sits and whether it’s still aligned with what you want for next year.

You don’t need an hour-long strategy session with a spreadsheet, you just need ten minutes.

Here’s the routine every serious investor should run before the year closes.

Step 1: Check what paid off this year

Look at your matured investments.

What patterns do you see?

Short tenors? Medium tenors? Debt notes that quietly delivered while you focused on life?

Your successful positions tell you where your strengths are.

Step 2: Review what’s maturing in Q1 2026

Your January–March maturities determine how much liquidity you’ll have at the start of the year.

If your Q1 maturities are strong, you’re already ahead of most investors who start the year playing catch-up.

Step 3: Identify idle funds

This one is easy to miss.

Investors often forget money that’s sitting still in their wallet or bank account.

Idle money loses value.

Don’t let it sit unassigned going into the new year.

Step 4: Rebalance based on your actual goals, not vibes

Are you prioritizing stability or aggressive short-term returns?

December is the perfect time to remove the noise and focus on what you actually want your portfolio to do.

Step 5: Decide your January position now

You don’t wait till January to figure out your January move.

Investors who plan early always capture the best opportunities.

This simple check gives you a clearer view of your investments and helps you walk into 2026 with intention instead of uncertainty.

Ten minutes.

That’s all it takes.

#GetEquity

#InvestorPlaybook

#InvestmentRoutine

#FixedIncome

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Blog Credit Investor Education Salary Chronicles

There’s a Smart Way To Use Credit… And Nobody Told Us!

Nobody ever sat me down to explain credit properly. Not in school, not at home, not even in those “financial literacy” talks we pretend to listen to. For most people, credit means one thing: “Things are tight, I need money, let me borrow.”

But that mindset is the exact reason people get stuck in a cycle of taking loans that don’t actually move their life forward. It took me a long time to realize that credit isn’t the problem. The problem is the timing.

Let me tell you a little story.

A friend of mine once requested a loan immediately after her salary landed. She didn’t need the loan. She just wanted “breathing space.” But by the time the next month rolled around, her actual needs didn’t disappear. Now she was juggling bills and a repayment.

She wasn’t broke before the loan. The loan made her broke.

That’s when it clicked for me. There’s a smart way to use credit, and most of us were never taught it.

Smart credit usage isn’t emotional. It’s strategic.

It’s understanding that if your investments are still earning, you don’t need to break them. You can stay liquid, handle whatever is in front of you, and let your money complete its tenor.

That’s how seasoned investors stay ahead: they don’t interrupt their returns for short-term pressure. But here’s where it gets interesting.

When you use credit strategically, you’re not borrowing because you’re stuck. You’re borrowing because you want your investments to continue doing the heavy lifting.

The difference is night and day.

One keeps you chasing your balance. The other keeps your balance growing while you handle life. Now that’s the mindset shift I want more investors to understand.

Credit can be a trap, yes! but it can also be leverage. It depends on how you use it.

On GetEquity, we’re building tools that help serious investors keep their money working while staying financially flexible.

That’s the whole point of smart credit access.

Not everything in life needs to stop because your money is sitting in a 91-day note. Sometimes the smartest move is letting the investment finish its job… while you use credit to handle the now.

So the next time you think about taking a loan, ask yourself the real question: “Am I borrowing to escape pressure, or am I borrowing to protect my future returns?”

That one question can change everything.

Explore Credit now!!

#GetEquity

#SalaryChronicles

#CreditSmart

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Blog Editor's pick Investor Education The Wealth Bulletin

Inside GetEquity Deals: What You’re Really Investing In

Every investor wants good returns. But smart investors also want clarity, they want to know where their money is going and how it’s working for them.

That’s exactly how GetEquity was built: a platform that bridges investors to real, regulated investment opportunities.

 Real Businesses, Real Returns

When you invest on GetEquity, you’re funding real Nigerian companies with real track records. These aren’t abstract “ROI” promises. They’re structured investment notes and commercial papers issued by credible businesses, reviewed through regulated channels.

Each deal you see on the app; whether a 180-day commercial paper or a 9-month fixed-interest note, represents a short-term lending opportunity backed by real operations, assets, and repayment structures.

So your returns aren’t speculative, they’re earned.

Built on Regulation and Trust

Every GetEquity investment runs through SEC-regulated frameworks. That means:

  • Proper registration and documentation.
  • Due diligence before a deal goes live.
  • Transparent tenor and interest rate disclosure.
  • Controlled capital flow and redemption processes.

It’s what separates GetEquity from platforms that offer unrealistic yields without clear oversight.

Your investments are handled with structure.

Short-Term Stability Meets Compounding Potential

Fixed-income investing isn’t about quick hype; it’s about reliable growth.

Most GetEquity deals run between 90–365 days, giving you predictable returns within a manageable time frame.

And when those investments mature, you can reinvest directly, compounding your returns across multiple cycles.

That’s how investors quietly grow serious wealth without chasing volatility.

Why Now Is the Best Time to Start

Market rates are strong, the naira is stabilizing, and credible fixed-income opportunities are in demand. But the best deals don’t stay open long.

By joining active investors on GetEquity this November, you’re not just buying into a product; you’re joining a network of disciplined wealth builders who understand timing, structure, and trust.

Invest where it counts.

Download GetEquity today and explore verified, SEC-regulated deals designed for real investors.

#GetEquity

#WealthBulletin

#FixedIncome

#SmartInvesting

#CommercialPapers

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Blog Credit Editor's pick Investor Education

6 Things You Probably Didn’t Know About GetEquity Credit

When we first introduced Credit by GetEquity, the response was immediate:

“Wait, I can borrow against my investments?”

Yes, but there’s more to it than that. The Credit feature isn’t just about getting cash. It’s about making your portfolio work twice as hard without losing control of your investments.

Here are Six things many investors don’t realize about how it works:

1. You still earn while you borrow.

Your investment doesn’t pause. The interest keeps accruing even after you take out a credit line, meaning your investments continue to perform while you access liquidity.

2. You’re in full control of repayment.

There are no hidden penalties or forced liquidation clauses. If you repay early, your loan closes seamlessly and your investment stays intact.

3. You can use Credit to seize opportunities.

Let’s say a new Commercial paper or investment opens and your capital is tied up in another deal. With Credit, you can use your portfolio as collateral to reinvest immediately. That’s a power move most investors overlook.

4. Your portfolio stays safe.

Only verified investors with vetted assets can access Credit. That means the feature isn’t random lending, it’s built on the same diligence and structure that governs our fixed-income ecosystem.

5. It’s built for efficiency.

No paperwork, no waiting. Just navigate to the Credit tab, select your eligible portfolio, choose your amount, and get approved in minutes.

6. The funds go directly into your bank account.

No waiting or manual transfers. As soon as your loan is approved, the amount is credited straight into the bank account you provided during the request. It’s instant, seamless, and transparent.

The Credit feature was designed to make liquidity smarter, not riskier.

So before you withdraw, pause and ask yourself “can this investment fund my next one?”

Chances are, with Credit, it can.

Explore Credit on GetEquity Today!!

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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 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