Rahmon Ojukotola is the Founder and Director of StartCredits. StartCredits is an organization with a mission to increase financial inclusion in Africa through innovative technologies. In addition to his duties at StartCredits, he sits on the advisory board to the Florida schools group and is the lead creator at RooJ. He previously worked at the Bank of England and UBS. He holds a master's degree in Finance from the London School of Economics and Political Science and a bachelor's degree in Accounting & Finance from the University of Southampton. He is a Chartered Accountant and a member of the Chartered Institute for Securities & Investment, the Institute of Chartered Accountants in England and Wales and the Royal Economic Society.

Below is a summary of the program Optimizing My Investments with Rahmon Ojukotola

Rahmon runs Star Credit, an investment company and he debunks the notion that investments are a way to get rich quickly, it takes patience and consistency. He says the internet is now the easiest way to find information on investments and how they work. He advises that when not investing, spend right. Investing is simply a way to double or triple the money you already have, a way to prepare for a much better life and future.

The important elements you should look into when creating a dynamic portfolio is first investing in yourself, ask a lot of questions and put your effort into developing yourself. Figure out what your risk tolerance is, how much you’re willing to invest, how much loss you can take when the stock market is not in your favor.

He advises that any money you are investing should not be money that you need to run your current business or to do something crucial. Have a deep a good understanding of your expenditures and understand that the investment money cannot be what you’re using to sustain your daily lifestyle. You can start with as little as ten thousand naira, just go to your bank and make enquires on stock and investments. Rahmon stresses that it is very important for the investor to have people to talk to before investing because they would be able to advise you on what route to take. They’ll serve as guides on how to navigate the market.

He highlights that the investment market in Nigeria has some communication issues as a lot of the terminologies cannot be understood by those who are not in the field. To really succeed here you need someone that can translate the information from the stock market and easily teach you how to interpret it yourself. One of the major struggles of new investors is deciding what the right thing to do is, they struggle with decision making and the only remedy to this is taking your time to learn and put effort into perfecting the skill. They also need to consider how long they want to invest for, the time frame and continuity.

He says a major mistake he advises his clients not to take is to base decisions they make on numbers in the Nigerian commission which is detrimental because these numbers change depending on the situation in the country. Rahmon took out some time to answer questions from various callers and he said for people that find it hard to set money aside for an investment or to simply save for the future should get some mobile apps that will help them autosave and monitor their funds.