“Have A Portfolio In Investment” — Didi-Omah

How many people don't have a portfolio? Yes, and, if I ask do you have a portfolio? I will try to tell you one of the things. If you don't have any portfolio, I don't think you have any financial future. Yes, if you don't have any portfolio, I don't think you have any structure because you cannot stand out doing one business.

Yes, you cannot stand out doing one business. Let me tell you something. You need to have multiple streams of income, multiple streams of income. I started blogging at 16 years but became professional blogger at 18 years old. At my 19 years old, I secured MTN shares, I saw their advert, I thought it was fake — because I have been seeking for a way to start investing. Before then, I use Wealth.ng, Risevest, with one other platform. I know of Bamboo, but did not use it.

I was moving round the building called investment without entering into it fully. Back to the present; I visited Linda Ikeji's Blog, because she is my blogging boss and model. To see what's new in her blog, despite I was making money from my blog but her story gets me into blogging, and her money making strategies fatch me money from blogging, mainly from direct advertising.

That was in December 2021, I was 19 years old, I saw the MTN Nigeria public offer on her blog. I said within myself, this is my third time seeing this offer to buy shares. Since I have seen it on Linda Ikeji's Blog, and I used MTN more, let me give it a trial. Executive, offer that will expire in four days ahead, I bought some units with NGN5,000 — everything was successful. MTN Nigeria allocated me to Chapel Hill Denham, I was registered under this broker and given access to trade on the Nigeria Stock Exchange.

The exciting thing is that, one morning in 2022, I wake up, seeing alert on my phone from MTN Nigeria as retail dividends. I checked it again to confirm the payment. In the process of time, investment of NGN5,000 started earning me, NGN20,000 just me doing nothing. I pushed forward to secure some units in Dangote Cement, UBA group, Access Bank, BUA Cement, GT Bank, etc. Dangote, MTN and Access Bank pays me more than others. 

To save my business, I did what Aliko Dangote did to stay alive in business. I sold some shares off, and earn more profits than what I first purchased. Aliko Dangote sold the Dangote Noodles to Indomie Noodles Company, so he can keep his business and big dream alive. And that's business game. Executive, I sold off the shares of UBA group, MTN Nigeria, GT Bank with some which I didn't mention. And add up to save and upgrade my blogging business to the content aggregator business — that we are globally known for.

No billionaire today that does not hold investments. Aliko Dangote, Bill Gates, Warren Buffet, Elon Musk, Mark Zuckerberg, Larry Page, Jeff Bezos, Donald John Trump, Bishop David Oyedepo, J.D Rockefeller, Henry Ford, Jack Ma, — just be naming them. I have their investments portfolios in my options — because I dig deep enough to know the kind of thing they do with money that will be making them be wealthy. Because I first suspected that what they are popularly known for, can't fetch them billions just doing the work well.

Executive, I do know that spiritual world might be involved but let's focus on the financial world that counts you stand tall in life. 

Right now I have only few well paying shares in companies; Dangote Cement, Access Bank and BUA Cement are doing well in terms of profits and fat dividends earning. I said if you go about say, well, I want to be a businessman, I want to own a shop, I want to start this, I want to work for the government, I want to work in a company that will be paying me money, and what else? And what else? So you need to understand that money has a structure. Yes, money has a structure. And once the money comes in, it must be invested.

You don't save all money in the bank, even bank does not save money as seen. The money put in the bank, the bank calculates it and they start giving out for loan or for permanent investment. Yes, that's it. Most banks trade with your money in the hard currencies foreign exchange global market: earn the revenue and relax, then sell conversation of currency to customers that want to. 

Executive, business only gives you income, money — but never multiply money. So what I am trying to say that your business gives you money, your business does not multiply money. Business you're doing, it brings in money. Your job, it brings in money. But what multiply money is investment. Investment multiply money. And the primary thing for you to, you need to first invest in knowledge.

However, people are poor for lack of knowledge. You have to invest in knowledge so that your capacity will increase. Now, most of you, do you have a portfolio? No, most of you does not have a portfolio. And in this era where we are, if you don't have a portfolio, you don't have an investment portfolio, I do know you are in financial struggle. Because for you to stop struggling, it is quickly stop doing that thing that's making you to struggle. Simple.

I want to stop smoking. I have to stop doing that thing that makes me to smoke, right? I want to stop womanising, I have to stop going to that place that triggers the urge or stop thinking of that which makes me to womanize. If you want to stop struggling, stop doing that thing that is making you to struggle.

Stop it. That thing that's making you to struggle, stop it. Now, money follows structure. Those who are struggling, they don't have structure. Wow. Remember when Jesus was saying, Jesus said unto the disciples and to the crowd.

He said, For which of you, intending to build a tower, sit not down first, and count the cost, whether he have sufficient to finish it — if he can start and finish it? That is how money is. You need to be intentional and plan it and say, okay, look at my structure, how my money will move.

Yes. In real sense you don't, I repeat you don't climb to be billionaire by working. Now your business may make you a millionaire. No doubt. Because there are many businesses out there that will make you a millionaire. There's no doubt!

But there is no business you do that will make you a billionaire apart from investment. So, investment is the multiplication of money. Investment is what multiplies money. Investment. Invest in real estate, invest in stock, invest in bond, invest in startups, invest in other businesses. Let your money flow.

Let your money move. American Billionaire Investor, Warren Buffet once said that: if you cannot be making money while you're sleeping, you're a poor man. Executive, I kept thinking of that quote, and discovered answers to verify the quote from the principles of life and from the Bible, what Warren Buffet said was right. 

I said, wow, what kind of words is that? That means you are sleeping and not making money. You're a poor man. And I was asking myself, what could that be? What does that mean? So, I now went ahead and I went about to study and I came to understand that he was saying the truth. He was talking about investments. So, it is where your money, investment is the art. You send your money to work for you.

Now, you put your money in a real estate company and the real estate company use that money to purchase an estate, right? Now, let us say they purchase an estate and they say we're going to be building, we're going to building 24 units, two bedroom flats in this estate and we're going to be renting out or we're going to be selling out a unit of two bedroom flats for, for 24 million. I just put it at that example. Um, they name it ABC estate.

Now, let us count the bill, like 24 unit of two bedroom flats. At that 24 units, they say you're going to take, you're going to be earning — you're to be earning 20% or you're going to be earning 10, let's put it 10%, you're going to be earning 10%. Now, let us check 10% over 24.

I believe that you will be counting in millions, right? Let's do the mathematics: for a unit of two bedrooms flat, you are earning 10% off NGN24 millions. One you earn NGN2,400,000. Now the real estate company built 24 units of two bedrooms flat each — you are having total revenue of NGN57,600,000. For possible just NGN10,000,000 investment you made. Wow! You see the effort, you see the effort put into it.

Executive, not necessarily you must invest millions. From five to ten thousands of naira can get you a portfolio. Once your money passes NGN5 million — please don't keep it under your name, create a registered company that will be managing the investment, to avoid family issues and divorce settlement. Anything can happen in the world today. From NGN5 million down to NGN5,000 — it can be in your name and personal management.

So, you can now understand that for you to multiply money, you need investments and you need the right investments for you to rule over the world's accumulation. So, compound interest. I remember back then when we were in secondary school, it was just about economics, right? It was about compound interest, it was about shares, it was about stocks, in text book within the classroom.

We heard all those things, but it is better that we know it, we implement it and we do it. You can go back to your, your economics textbook. If you don't have anyone, you can buy one, Essential Economics — get it.

Buy anyone for senior secondary schools. Study through them. That is where you're going to learn the basic.

It is more better you know the basic very well than for you to know small of the basic and you move to the advance unless you want to crash. So, it's not about I want to do a business, I have a business, it's about what to multiply, what to increase your financial status, now NGN10,000 come in, what is going to multiply the 10,000. Sent your money to make more money for you, simple!

Like I usually say, for you to end struggling, you must have a structure. Structure is what ends struggles in man's life. Executive.

© Didi-Omah Augustine Chinazaekpere 

Founder/President, doac, Invest.