Stephen
@ScFidelis
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Following
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Business | Money | Stocks |Wealth-building through markets| Breaking down money moves|
Lagos, Nigeria
Joined November 2010
If you just followed me recently, welcome! I tweet about business, money, stocks, NGX insights, personal finance, and career growth. My goal is simple: help you make smarter financial decisions. And yes… once in a while, I speak up about the bigger picture - because a
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Stood up for myself Own more than 20 books Achieved over 50% of my new year resolution Wrote jamb after blacklisting it for years Got 293 (first time getting past my goal) Got admitted into a federal University on merit Got funds to pay for everything in full It can only be God
Quote this with your biggest win of 2025 so far. Small or big, let’s celebrate it.
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The coming years will split companies into two groups: those that become AI-native and those left catching up. The innovators who harness AI now will define the winners of tomorrow. Follow me for strategic insights on leading through the AI revolution.
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Don't keep your savings in bank accounts, keep it in MMF.
Banks in Nigeria collect a lot of money from people who keep their savings in bank accounts. But instead of using this money to give loans to businesses that want to grow, many banks prefer to use the money to buy government bonds. Government bonds are like IOUs that the
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This year for example, the stock market in Nigeria has done amazing things. As at July, some equity traders has made their entire return target for the year. That's timing. Even the worse person printed so much money.
@ScFidelis Timing in what sense sir
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You can’t control timing, but you can control readiness.
No matter what people try to say, a lot of wealth comes from timing. ~ Tai Lopez
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Learn why people who are blind and have low vision are calling Waymo’s fully autonomous driving technology a ‘game changer.’
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No matter what people try to say, a lot of wealth comes from timing. ~ Tai Lopez
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When revenue plateaus, innovation slows, and management starts defending old glory instead of building new value, the decline stage has begun. As investors, spot the signs early. Exit early.
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If you keep saying “I’ll start when I earn more,” you’ll never start. Wealth begins with what you have now.
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Your Mutual Fund Types: 1, Equity Funds → mostly stocks 2, Fixed Income Funds → mostly bonds 3, Balanced Funds → mix of stocks & bonds 4, Money Market Funds (MMF) → short-term debt (T-bills, CPs, FDs) Keep idle funds in MMF not in bank accounts.
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Countless pixels had to perfectly align in space-time for this Bloky to come ALIVE Huge thanks to @OriginalBlokyz for creating a physical Alphakek you can hold and collect Follow them for more details!
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@ScFidelis According to John Maynard Keynes, as outlined in his work. The General Theory of Employment, Interest and Money, people hold money for three main motives: 1. Transactionary Motive 2. Precautionary Motive 3. Speculative Motive
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This
Everyone wants to do revenue-share partnership, but nobody wants to commit any minimum amount.
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@paypaxe @ScFidelis Financial literacy cannot be overemphasised, it shapes a lot about individual lifestyle and financial freedom.
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Few HL's from this weeks tournament. @CoachTreal2 @michaelsobrien @coachSPham
@PaulBiancardi @On3sports @ILLHoopsScoops
@PrepHoopsIL @Tim_OBrien10 @Sports4Illinois
@RL_Hoops @247recruiting @SWiltfong_ @Evan_Flood
@jcshurburtt @JoeTipton @joehoopsreport
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Money has only three uses: spend it, save it, or invest it. Your results in life depend on the ratio you choose.
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One day, Nigerians will realise that financial literacy is more important than hustle culture.
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The Debt Management Office (DMO) has released the December edition of the FGN Savings Bond (FGNSB): 📍 2-Year Savings Bond (Dec 2027): 13.538% p.a 📍 3-Year Savings Bond (Dec 2028): 14.538% p.a Available to interested retail investors.
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NGX is open for business already. About 20 trading days left in the year. If you’re still buying or selling in 2025, this is the time to make it count.
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What game are you playing with your money? Figure it out, then play that game, and only that game. And remember: it’s okay to switch games as your life evolves.
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Clarity Live. I hosted 3 business strategy events for creative entrepreneurs and was supported by CafeOne, British Council and Ourpixo The testimonial are really remarkable.
Quote this with your biggest win of 2025 so far. Small or big, let’s celebrate it.
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Quote this with your biggest win of 2025 so far. Small or big, let’s celebrate it.
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CBN says 16 banks have met the new minimum capital requirement. Time is ticking. Just 4 months to the March 2026 recapitalisation deadline.
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Have you integrated APOL1 genetic testing into your practice? Discover the No-Cost APOL1 Genotyping Program for eligible patients sponsored by Vertex Pharmaceuticals—helping you deliver precision care without added cost. Learn more today!
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