SholzCorner

There are two main ways investors make money from shares, and understanding them can help you become a smarter investor.

1. Capital Appreciation (When Your Shares Increase in Value)

This is the most common way people think about investing.

Let's say you bought shares of Company ABC at ₦50 per share.

A year later, the share price rises to ₦70 per share.

If you decide to sell at ₦70, you've made a gain of ₦20 per share.

This increase in the value of your investment is called capital appreciation.

The higher the share price rises, the more your investment is worth.

2. Dividends (Getting Paid for Owning Shares)

Some companies share a portion of their profits with shareholders.

This payment is called a dividend.

For example, if you own 2,000 shares in a company that declares a dividend of ₦3 per share, you'll receive:

2,000 × ₦3 = ₦6,000

The interesting part?

You can receive dividends without selling your shares, as long as you're eligible based on the company's dividend qualification date.

That's one reason many long-term investors love dividend-paying companies - they can earn regular income while still owning their investments.

Which Is Better?

The truth is, you don't have to choose one.

Many successful investors aim for both:

They invest in quality companies whose share prices can grow over time.
They also enjoy dividends when those companies distribute part of their profits.

That's how your money can work for you in more than one way.

5 days ago | [YT] | 12

SholzCorner

If you want to buy shares of companies like GTCO, Zenith Bank, Airtel Africa, Dangote Cement, or BUA Foods, you cannot buy them directly from the Nigerian Exchange (NGX).

You need a licensed stockbroker.

So, who is a stockbroker?'

A stockbroker is a licensed professional or firm that buys and sells shares on your behalf through the Nigerian Exchange.

Think of a stockbroker as the bridge between you and the stock market.
When you tell your stockbroker, "I want to buy 1,000 shares of Company A," they execute that transaction for you.
When you decide to sell those shares later, they also handle the sale.

What else does a stockbroker do?
A good stockbroker can also:
Help you open an investment account.
Provide market updates and investment insights.
Help you buy and sell shares.
Guide you on the investment process.
Ensure your transactions are carried out securely and in line with market regulations.

Do stockbrokers charge fees?
Yes.
Just like a lawyer or an estate agent charges for their services, stockbrokers earn fees for helping investors buy and sell shares. These charges are usually a small percentage of the value of your transaction.

Why does this matter?
Choosing the right stockbroker is one of the first and most important steps in your investment journey. A licensed and reputable stockbroker gives you access to the market and helps ensure your investments are handled professionally.

Have you ever invested through a stockbroker before, or is this your first time learning about one? Let me know in the comments!

6 days ago | [YT] | 17

SholzCorner

A few years from now, you'll either be grateful that you started today or wish that you had.

The truth is, big achievements rarely happen overnight. They are built through small decisions made consistently over time.

The investment account you want to grow.
The business you want to start.
The career you want to build.
The healthy habits you want to develop.

They all begin with one step.

This Monday, don't focus on how far you have to go. Focus on taking the next right step.

Start where you are.
Use what you have.
Do what you can.

Your future self is counting on the choices you make today.
Have a productive week ahead! 💙


Please Subscribe!

1 week ago | [YT] | 18

SholzCorner

Thinking about using a savings or investment app?

I reviewed some of the most popular savings and investment apps in Nigeria, comparing what each one offers to help you make a more informed choice.

Watch the full video and let me know in the comments which app you're using—or thinking of trying.

Please don't forget to SUBSCRIBE!

https://youtu.be/oHGx75qpx64?si=Vsf4q...

1 week ago | [YT] | 4

SholzCorner

Before you buy your first share, there are a few things you need to have in place. 😊

Here's a simple checklist:

✅ A valid means of identification (National ID, Driver's Licence, International Passport, or Voter's Card)

✅ Your BVN for identity verification

✅ An active bank account linked to your name

✅ A functional phone number and email address for account updates and transaction notifications

✅ A recent passport photograph (you can take a picture of yourself using your phone)

✅ A stockbroking account with a licensed stockbroker, through which you'll buy and sell shares

💡 Good news: Most stockbrokers will also help you create your CSCS account during the registration process. Your CSCS account is where your shares are securely held after you buy them.

Once these are ready, you're just a few steps away from becoming a shareholder.

1 week ago | [YT] | 17

SholzCorner

The 3 Types of Investors - Which One Are You? 💰

Did you know that two people can invest in the same opportunity and get completely different results?

The difference isn't always the investment - it's often the investor.

Here are the three common types of investors:

1️⃣ Conservative Investor
You prefer to play it safe. Your goal is to protect your money while earning steady returns. Investments like money market funds or treasury bills are usually a good fit.

2️⃣ Moderate Investor
You like balance. You're willing to take some risk for better returns, but you also want to protect your money. A mix of low-risk and higher-risk investments works best for you.

3️⃣ Aggressive Investor
You're focused on long-term growth. You're comfortable with market ups and downs because you know higher potential returns usually come with higher risk. Growth investments like stocks often appeal to you.

💡 Here's the good news: There's no "best" investor type.

The right choice depends on your financial goals, how long you plan to invest, and how much risk you're comfortable taking.

Knowing the kind of investor you are is the first step to making smarter investment decisions.

👇 Tell me in the comments: Are you a Conservative, Moderate, or Aggressive Investor?

Want to know where to start investing, check out my videos here
https://youtu.be/r487q6NAh8k?si=3bWNX...

2 weeks ago | [YT] | 25

SholzCorner

The perfect time to start investing never comes. If you wait until you have 'enough money,' you'll keep waiting. Start with what you have today. Time is one of the greatest investments you can ever make.

Check here for more: https://www.youtube.com/watch?v=r487q...

#MoneyTalksWithSholz

2 weeks ago | [YT] | 13

SholzCorner

*Shares, Bonds, and Mutual Funds: Three Friends, Three Different Journeys*

Imagine you receive ₦1 million today 💰.

Excited, you tell three of your friends 👥.

The first friend, Tunde, says, "I want to own part of a business."

The second friend, Amina, says, "I don't want to own the business. I just want them to borrow my money and pay me interest."

The third friend, Chika, says, "I don't know enough about investing, so I'll let professionals manage my money alongside other investors."

Interestingly, all three are investing—but in completely different ways. 🤔

✅ Tunde buys shares.

✅ Amina buys bonds.

✅ Chika invests in a mutual fund.

⏩ Fast forward five years...

Tunde bought shares. As the company grew , his investment grew too, and he earned dividends. But there were times when prices fell sharply . That's the reality of shares—higher potential returns, higher risk.

Amina bought bonds. She earned interest as agreed and enjoyed more predictable returns 😌. That's the appeal of bonds—more stability, but usually lower returns.

Chika invested in a mutual funds. Professionals managed her money alongside that of other investors, spreading it across different investments. She didn't need to pick investments herself.

🤔 So, what's the difference?

📌 *Shares* = You own part of a company

📌 *Bonds* = You lend money and earn interest

📌 *Mutual Funds* = Professionals invest your money for you

🥳 Takeaway:

Shares help you own businesses.

Bonds help you earn interest.

Mutual funds help you invest without doing all the heavy lifting.

Pls Subscribe 🙏
#MoneyTalksWithSholz.
@SholzCorner


Check here for relevant videos- https://youtu.be/r487q6NAh8k?si=Wy_Eu...

1 month ago | [YT] | 18

SholzCorner

You don't have to be wealthy to start investing. In fact, investing is one of the ways wealth is built.

Start with what you have. Start where you are. Start now.

The amount may be small today, but consistency can turn small beginnings into significant results.

Your future self will thank you for starting.

You can check here:
https://youtu.be/r487q6NAh8k?si=5YYto...

1 month ago | [YT] | 14

SholzCorner

Happy Sunday 😊😊

1 month ago | [YT] | 22