Godwin N

22/11/2025

Shout out to my newest followers! Excited to have you onboard! Pascah Daeli, Firman Chole, Vincent Phiri, Edwin Villaceran Bandol, Gladys Rose Mathebula, Phakathwayo Mguni Phakathwayo, Romel Gastador, Nhlanganiso Nkala, Ogie Gacita, Adahama Kamilu, Mhat Jung Mhat Jung, Hector Javier, Kelly Rodriguez Bantugan, Peter Namanya, Donato Mizal, Leila Pareja, Sintu Nishad, الورود الورود نايزك الوراد, Sekh Kabirul, Zenaida Ocampo, Augustina Gogo Mohale, Samuel Danboyi, Christian J Hall, Ritche Luna, Ajal Akot Bol, Tichaona Vhanyu, Tinah Tinah, Nasar Boss, মো খোকা মিয়া, Umal G Jhovan, Christopher Enteria, Kd Muzvondiwa, Rey Michael Del Prado, Mamunur Rahman Khan, Sarah Tiriri, Magret Nhliziyo, Robson Nzavha, Abdul Mj, Skinny Bou Jake, Winnet Madzitire, Brothers Obediah, Dancan Masubo, Ansarul Islam

20/11/2025

My sister, let me teach you something with love…

Riches is not only the money in your bank account.
Riches is also the wisdom you carry, the mistakes you survived,
and the eyes to see what others don’t see.

Nobody becomes wealthy by waiting to be a billionaire
before they share the knowledge that can save other people.

If doctors waited to be free from sickness before treating anyone,
the whole world would be sick.

If teachers waited to become professors before teaching ABC,
nobody would know how to read.

And if you wait to learn only from billionaires,
you will miss the people who can teach you the steps
before the billions even show.

My journey is not finished, and I don’t pretend it is.
But I have gone far enough to help people avoid the mistakes I made,
use the strategies that lifted me,
and understand the financial wisdom that most people ignore.

The truth is simple:

You don’t need to be the richest person in the village
to warn people when the river is rising.

If you see the flood first, you shout.
Not because you’re perfect,
but because you care.

That’s why I teach.

And besides…
if you sit with me for just 7 days,
you will understand that what I share
is not “riches of money,”
but riches of understanding
and that one is more powerful than a bank alert.

Respect, my sister.

My name is Iking Ferry, a Financial Literacy Advocate on a mission to build 1million Financially FREE Nigerians with the right knowledge.
Founder, Pulseford Business School

14/11/2025

“Mentor, in Equity Funds, can I still get my capital back? And can I withdraw after 48 hours?”

I saw this question from Undigweundeye Akpo yesterday under my post, and I smiled.
Because this is the exact place many Nigerians get confused, and confusion is what keeps most people poor.

So let me answer it in a way that even Mama Ngozi in the village will understand.

First, understand this truth:

Equity Fund is not contribution money.
It is not ajo.
It is not your local thrift savings.

It is an INVESTMENT, and every investment follows market rules, not emotional rules.

Let me explain…

Imagine Mama Ngozi buys a big bag of rice during dry season when price is ₦52,000.

She keeps it to resell later.

But before she sells it, the price drops to ₦48,000 because new rice came into the market.

Now listen…

If she sells the rice at that moment, will she get her full capital back?

No.
Not because the rice disappeared.
But because she sold it at the wrong time.

That’s exactly how Equity Funds work.

Let me break it down…

To your first question - “Can I get my capital back in Equity Funds?”

YES, BUT…
Your capital is tied to the market value of the shares inside the fund.

Meaning:
If the market is up, you can withdraw with profit.
If the market is down, you might withdraw at a loss.

Your capital is never “lost” inside equity funds unless you rush out when market is down, just like Mama Ngozi selling rice when price fell.

Understand this:
Equity Funds reward patience.
If you panic, you lose. If you stay long enough, you win.

That’s why rich investors use Equity Funds to BUILD wealth, not to do quick withdrawals like POS business.

To your last Question... “Can I withdraw after 48 hours?”

Let me tell you the honest truth:

Equity Funds are NOT 48-hour investment products.
That is Money Market Funds.

Money Market Fund = quick withdrawal (24–72 hours).

Equity Fund = long-term wealth building (months or years).

Equity Fund is like planting mango.
Money Market Fund is like selling pure water.

Two different things.

You cannot plant mango today and start plucking fruits by tomorrow morning.
If you do that, you will end up plucking leaves instead of fruit.

As your Financial Literacy Advocate, let me tell you the hidden Truth Many Nigerians Don’t Know

Banks won’t tell you this.
Fund managers won’t shout it loud.
But I will tell you as your Financial Literacy Advocate:

Equity Funds are designed for at least 6–12 months MINIMUM.
The sweet money usually comes after 1–3 years.

If you want:

fast withdrawals
low risk
stable capital

Then stay with Money Market Funds or Bond Funds.

But if you want:

bigger growth
wealth-building
long-term returns

Then Equity Funds are your BEST friend.

Oya sit down.... Let me give you another clear Example, because I want you to understand everything on Equity Funds desame way the rich people do.

Imagine Two People

1: Mr. Bu-Bu

He enters an Equity Fund today.
Market dips next week.
He withdraws immediately because his heart is shaking.
He loses money.
Then he goes online to shout “Investment is scam!”

2: Mama Ngozi

She invests ₦500k in Equity Fund during a market dip.
She leaves it for 1 year.
Market recovers.
She has ₦820k.
She smiles and says:
“Ahh, this thing works o!”

SAME fund.
Different mindset.
Different outcome.

Here's The Real Answer You Need

Can you get your capital?
Yes - but the amount you withdraw depends on the market at that moment.

Can you withdraw in 48 hours?
You CAN request withdrawal…
But Equity Funds normally take a few working days, and it is NOT meant for 48-hour emergency withdrawal.

Will you make money?
If you stay long enough - YES.
If you panic early - NO.

Here's Advice from Your Mentor

If you want your heart to rest,
use Money Market Funds.

If you want your money to grow big,
use Equity Funds.

But whichever one you choose,
make sure your money is not sleeping in bank savings account earning peanuts.

Your money should be working harder than you.

My name is Iking Ferry

A Financial Literacy Advocate on a mission to build
1 Million Financially FREE Nigerians with the right knowledge.
Founder, Pulseford Business School

03/11/2025