“If you can afford to lose the money, why are you investing it in the first place?”

That’s a question Mudi gets whenever he talks about the popular investment advice: “Only invest what you can afford to lose.”

But does that mean you should expect to lose your money?

Absolutely not.

In Episode 61 of The Nigerian Investor Podcast, Mudi breaks down what this advice actually means and why it matters when investing in stocks, the NGX, and other financial assets.

Using the NGX’s sharp decline in June as a real-world example, Mudi explains what can happen when you invest money you’ll need in the short term—like school fees—and the market suddenly moves against you.

Because the biggest problem isn’t always the market falling.

Sometimes, it’s needing your money while the market is down and being forced to sell.

In this episode, we explore:

• What “afford to lose” really means
• Why not all the money in your bank account is investment money
• How your investment time horizon affects risk
• The difference between risk tolerance and risk capacity
• How forced selling can turn a temporary market decline into a realized loss
• Why school fees, emergency funds, and other short-term obligations shouldn’t be treated like long-term investment capital
• How to determine how much you can reasonably invest
• Why investing isn’t the same as gambling
• A simple framework for deciding whether money is ready to be invested

The goal isn’t to eliminate investment risk.

It’s to take risks you can survive.

Before you invest your next naira, ask yourself:

What is this money for?
When will I need it?
Can I handle the consequences if the investment falls?
And does the investment actually fit my situation?

Because sometimes the biggest investment mistake isn’t buying the wrong asset.

It’s putting the right money in the wrong place at the wrong time.

🎙️ The Nigerian Investor Podcast — Episode 61

#Investing #NigerianInvestor #NGX #StockMarket #PersonalFinance #InvestmentRisk #FinancialLiteracy #WealthBuilding #Nigeria #NigerianStocks

🎙️ Episode 60: Circuit Breakers Explained – The Emergency Brake of the Nigerian Stock Market

What happens when the Nigerian stock market suddenly stops trading?

Your trading app freezes.
Prices stop updating.
Orders stop executing.

Is something wrong?

Not necessarily.

Just like the circuit breaker in your home automatically cuts power to prevent electrical damage, the Nigerian Exchange (NGX) has its own emergency safety mechanism designed to protect investors during periods of extreme market volatility.

In this episode of The Nigerian Investor Podcast, we break down NGX Rule 15.46—the market-wide circuit breaker that temporarily halts trading when the All-Share Index (ASI) moves 5% or more within the Exchange’s designated monitoring window.

You’ll learn:

• ⚡ What an NGX circuit breaker is and why it exists
• 📈 How the 5% trigger works
• ⏸️ Why trading pauses for 30 minutes
• 📅 The first time the circuit breaker was activated during the 12 November 2020 market rally
• 🤔 Why it did not activate during the 30 May 2023 rally despite the market gaining over 5%
• 🕒 How extended trading hours changed the monitoring window—but not the trigger
• 🧠 Why circuit breakers help reduce panic, improve price discovery, and create a fairer market for all investors

Whether you’re a beginner or an experienced investor, understanding how the market protects itself during extraordinary volatility can help you become a calmer, more disciplined investor.

If you enjoyed this episode:
👍 Like the video
💬 Share your thoughts in the comments
🔔 Subscribe for more beginner-friendly explanations of the Nigerian capital market.

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The $5.2 Billion Fine That Changed the NGX Forever

MTN Nigeria is one of the most powerful market movers and dividend machines on the Nigerian Exchange today—but its journey to the public market wasn't voluntary.

In this episode of The Nigerian Investor, we unpack the dramatic history of how a massive regulatory crisis turned into one of the most profitable investments in Nigerian capital market history.

Join us as we explore:

• How MTN built a monopoly in the early 2000s while remaining privately owned.

• The 2015 NCC crackdown on 5.2 million unregistered SIM cards that led to a historic fine.

• The intense backroom negotiations with the CBN, Attorney General, and federal government that ultimately forced MTN to list on the stock exchange.

• The 2019 listing frenzy that drove a 700% capital gain from ₦99 to ₦790 per share.

Discover the real forces behind corporate Nigeria where strategy, policy, and timing intersect.

If you love breaking down the Nigerian capital market one brick at a time, hit Follow, rate our show, and share this episode with a fellow investor!

Stay consistent, stay curious, and stay invested.

How many stocks should you actually hold — and does your portfolio size change the answer? In this episode of The Nigerian Investor Podcast, Anthony Uzum (@Anthonyuzum) shares his personal framework for portfolio construction on the Nigerian Exchange, including why he caps his holdings at 20 stocks, why investors with under ₦10M should hold no more than 4–5 names, and why he intentionally skips good companies like MTN, NGX Group, and NASCON.

Anthony also explains the role of "protective" holdings like GTCO — stocks he doesn't expect to generate outsized returns, but that provide ballast in a volatile market. Whether you're managing ₦1M or ₦100M, this episode will change how you think about concentration and risk.

Topics covered:

• The ₦50M+ threshold for holding up to 20 stocks
• Why over-diversifying with a small portfolio destroys returns
• Stocks Anthony knows are good — but still doesn't own
• GTCO as a portfolio "anchor" rather than a high-return pick
• How to think about downside risk at different portfolio sizes

Most investors on the NGX are guessing.In this excerpt from episode 58, released last week, our guest, Anthony breaks down a real system used to rank stocks and build a high-conviction portfolio.⸻Anthony, an investor uses a structured, data-driven approach to pick stocks and allocate capital.Instead of relying on hype or Telegram tips, Anthony focuses on: • PEG Ratio (Growth vs Valuation) • Price to Cash Flow (Not just P/E) • Revenue & Earnings Growth • Cash Flow from Investing Activities • Price to Book & Price to SalesHe then ranks stocks monthly and concentrates capital into his highest conviction ideas.This strategy has led to: • Top 6–7 stocks making up ~70% of his portfolio • Strict allocation rules (10–20% caps per stock/industry) • Disciplined, repeatable investingIf you’ve ever wondered: • “How many stocks should I hold?” • “How do I stop random buying?” • “What metrics actually matter?”This excerpt and full episode is for you.

🎯 Key Takeaways:

• Why price alone means nothing in investing

• How to rank stocks using multiple valuation metrics

• The power of concentration vs diversification

• Why cash flow matters more than earnings

• How to build a structured NGX portfolio

📌 Watch till the end if you want to move from guessing stocks to building a real portfolio.

🎙️ The Nigerian Investor Podcast

We break down the Nigerian capital markets one brick at a time.

⚠️ Disclaimer: This content is for educational purposes only and not financial advice.

In Episode 58, we sit down with @Anthonyuzum to discuss how to build a serious investment portfolio on the NGX.

We cover stock analysis, portfolio construction, capital allocation, valuation, PEG ratio, defensive positions, concentration vs diversification, currency risk, global investing, and the habits needed to build long-term wealth.

Anthony also shares the three Nigerian stocks he would hold for the next 10 years and explains why he still believes the NGX remains undervalued.

A practical episode for anyone serious about becoming a better investor.

In Episode 57 of The Nigerian Investor Podcast, we speak with Emmanuel Osu (@osuet1), founder of Stockyvest, a new tool built to help Nigerian investors research stocks more easily.

We discuss:

• his NGX journey

• mistakes investors make

• why analytical tools matter

• how Stockyvest works

• liquidity, dividends, and financial health

• the future of stock research in Nigeria

Would you use a platform like Stockyvest before buying a stock?

Like, subscribe, and share.

#TheNigerianInvestor #NGX #Stockyvest #NigerianStocks

Investing in the stock market is not just about finding the next hot stock. It is about discipline, patience, and emotional control.

In this episode of The Nigerian Investor Podcast, hosts Mudi and Aye sit down with Wolf of NGX, a well-known voice in the Nigerian investing community, to discuss one of the most overlooked aspects of investing on the Nigerian Exchange Group: mastering your emotions.

Many investors enter the market chasing hype, momentum, and social media trends. But as the Wolf explains, emotional decisions often lead to costly mistakes like panic selling, buying at the top, or becoming exit liquidity for smarter investors.

In this conversation, we break down:

• Why emotional control is critical to surviving NGX volatility

• The danger of chasing “hot stocks” without fundamentals

• How to build an investment system that removes emotions from decision making

• The importance of savings in building an investment portfolio

• Diversification vs concentration in stock investing

• Why beginners should focus on consistent companies instead of exciting ones

Wolf of NGX also shares five simple rules every investor should follow to survive long-term in the stock market.

If you are new to investing in Nigerian stocks or trying to improve your discipline as an investor, this episode will help you think more clearly and invest more strategically.

Follow The Nigerian Investor Podcast for more conversations that break down the Nigerian capital market one brick at a time.

Until next time: Stay consistent, stay curious, stay invested.

Is Assessworth building the Bloomberg Terminal for Nigerian retail investors?

In this episode of The Nigerian Investor Podcast, we sit down with Elijah Rona, CEO of Assessworth, a fast-growing investment research platform designed to help Nigerian investors make smarter decisions.

Assessworth aims to solve one of the biggest problems in the Nigerian stock market:

Lack of accessible investment information.

We discuss:

• Why Nigerian investors struggle with information

• How Assessworth works

• Stock recommendations and risk analysis

• Portfolio tracking tools

• AI-powered stock analysis

• SEC licensing and credibility

• Future plans including broker integration

• How Assessworth compares to Nairametrics and broker apps

• Common investing mistakes Nigerians make

If you invest in Nigerian stocks or want to start investing, this episode is for you.

Spotify:https://open.spotify.com/show/6eE7GYMKpzCwaoy9zzcg42?si=9E-dnARwTIqdtu-zHTC2Mw

Apple Podcasts: The Nigerian Investor

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Audible: https://www.audible.com/pd/B0DH9NR963?source_code=ASSORAP0511160006&share_location=podcast_show_detail

https://Assessworth.com

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Instagram: @tnipodcast

🎧 Listen to The Nigerian Investor Podcast:📊 Visit Assessworth📢 Follow The Nigerian Investor

Many investors celebrate revenue growth.

But smart investors ask a better question:

How much of that revenue did the company actually keep?

In this episode of The Nigerian Investor Podcast, Mudi and Aye break down one of the most misunderstood areas of financial statements — margins.

We explain:

• What gross margin really means

• How operating margin shows business efficiency

• Why net margin is the true bottom line

• The difference between profit (₦) and margin (%)

• Why you must compare companies within the same industry

• How to analyze NGX company results properly

Using a simple smoothie business example, we walk you step-by-step through how companies convert revenue into real profit.

Next time you see results from companies like Guaranty Trust Holding Company Plc, MTN Nigeria Communications Plc, or Presco Plc, you’ll know exactly what to look for.

🎧 This episode is perfect for:

• Beginner investors

• NGX retail investors

• Anyone learning to read financial statements

Homework:

Download financial statements of two companies in the same sector — for example:

• Fidson Healthcare Plc

• May & Baker Nigeria Plc

Compare their margins and see which is more efficient.

Until next time…

Stay consistent. Stay curious. Stay invested.