This "old age mathematics" conversation that Madam Chioma highlighted in the screenshot below is one that we should always have within ourselves every now and then. You might want to read through the post in the screenshot above to understand what I am talking about. It is a reality that will catch up with us sooner than we might even expect. And trust me, "God dey" or "Tomorrow will take care of itself" isn't a strategy for this kind of realities. You either have a plan or you don't. From her maths, one would need atleast 72 million naira to keep up for the 20yrs time interval between age 60 to 80. While this amount might seem out of reach to an average Nigerian, there's an easier way out. Realistically, the probability of an average civil servant or salary earner saving up to 72 million naira before age 60 is very much close to zero. I know there might be few outliers but I am speaking on a general term. However, there's an easier way out and that's where "early investing" comes into play. And the good thing about investing is that there are many safe investment options one can explore and maximize to achieve long-term income sustainability. Let's use a case study of Money-Market Mutual Funds (MMMF) On the average, most MMMF have been consistently yielding 20% to 25% annual returns over the past few years. If you think 20% to 25% annual returns is too little, it might interest you to know that in 2023, Dangote's group of companies generated less than 20% in gross profit. Yeah, Africa's richest man, Dangote. And that was even his gross profit and not net profit. By the time the maths is done, his net profit might fall within the threshold of 15% or less. This shows that any "legit" passive income stream that can give you 20% annual ROI is very much on the profitable side. Let's say you are still 40yrs and below, and you have a spare one million naira... Do you know that with just that one million naira you can create a retirement plan for yourself ? Here's how..... One million naira invested into a MMMF of 20% annual ROI compounded for 20 years will give you over 38 million naira. I am working with the calculation that you are already 40 and will be 60 in the next 20 yrs. Now, imagine you are still in your 20's or 30's and start compounding the money from today. At 60, you already have over 38 million naira retirement fund and you can still plough back same money into MMMF or another safe investment vehicle of atleast 20% annual ROI. This means, you'd be getting 7.2 million naira every single year from your ploughed back 38 million naira. If you divide it by 12 months, that's 600K monthly upkeep money for you from age 60. Not so bad if you ask me. I just used one million naira as a benchmark to show you the power of investing early and compound interest. Now, imagine starting off with five million naira. Bottomline is: If you don't want suffer head in your old age, start investing today. The MMMF is just one out of the many reliable long-term investment opportunities. There are other low-risk investment options like bonds, ETFs, dividend stocks, T-bills you can also explore. Just start early.

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One conservative approach of investing in the stock market is to pick 4 to 5 equity funds and split your capital across them.

In the last 40yrs, the S&P 500 index fund have only had 9 negative years. This tells a lot about the US stock market.

Google, YouTube, Meta, and Amazon Ads generated a combined revenue of $450B last year.

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@judahpopoola Send me a DM for more information.

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One month performance of some Nigerian stocks. The market is priming again for some decent capital gains. Don't just be an observer; grab your own share of the slice too.

Any coin that is primarily driven by hypes and consistent shilling isn't one that you should hold for the long-term. Take your profit and exit the market while the hype is still on.

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@wicklordy @Chidiebere93881 Absolutely! You got the point.

President of Central African Republic just launched a memecoin. From celebs memecoins, to Trump's meme and now, this. The memecoin culture is finally here to stay. Do with this information as you please.

Crypto adoption is 43% faster than mobile phones & 20% faster than the internet.

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