admin

Why You Should Have an Alternative to Naira Investment

Do you live and work in Nigeria? Or you do not live in Nigeria but have family members to whom you regularly send money. Are you planning to live outside Nigeria one day? How about sending your children to University, in the future, overseas?

Here is the key question if you fall into any of the categories above: What is your naira worth 10 years from today?

I pondered over this question for a while. I do not know the answer! However, I have an idea – if we look at the past, we can project the future. While it may not be exact, it gives us a good view of what is to come.

Look at the graph below:

Click the image or here to go to the actual website

That is a whopping 174% devaluation of the naira against the dollar in 10 years! In investment in the naira terms, if you have invested 1Million naira 10 years ago, even if the investment had doubled today, you still lose value.

This alarming graph has more than meets the eyes, here are a few

This is an exchange rate of USD against naira at the official CBN rate. This is not the parallel market rate.
In most cases, whenever the exchange rate increases, it never returns lower. That means we can project that in the future, it will always get worse
Any investment in the dollar is almost guaranteed to come top against the naira in the long run.

The conclusion I can draw therefore is that you should have some of your portfolios in dollar investment.

And that makes the discussion sour! Where do I invest in the dollar such that the return is safe and gives an above-inflation return? The answer is not Nigeria Eurobond! While Eurobond is a step change because it meets the first requirement to invest in the dollar-denominated Asset and it meets the second in that it is relatively safe, I have three concerns with Eurobond:

If a government is not confident in her currency, should you trust the bond it issues? The Nigerian government, by issuing Eurobond is effectively saying: “We know our Naira is lousy and cannot be trusted, so we will issue you bond in another currency”. What does that tell you of the future of the currency naira – not very good. If naira is not good long-term, that affects the economy of Nigeria and puts pressure on the safety of Nigeria Eurobond.
Nigeria is over 70% dependent on oil, in the next 10 years, oil is no longer a jewel asset. Where will Nigeria generate foreign currency to pay the Eurobond?
Eurobond’s return is lousy – it does not come out positive when you factor inflation-adjusted return and naira devaluation in its return.

So, what are we left with? I have good news for you. You can be part of a new Hedge Fund run by a Nigerian company if you are a High NetWorth investor who can invest 50K USD. They are able to return an average of 36% a year and they have been doing that for about 3 years now.

Before I show you the website, please note that this is not for all investors, the government regulation is that only High Networth Investors are allowed. It is not because it is high Risk, it is just the classification Nigeria gives the type of Asset class they manage – it is called Alternative investment.

So if you qualify, you can simply Export Your naira by investing through them. Yes, instead of exporting oil, you can start to export the naira

Let us first answer the question we started with: What is 1 naira today worth 10 years from today. My Analysis says it will be fair to divide it by 3. That is one naira today is worth 33 kobo in 10 years from now.

If we extrapolate, 20 million naira today will be worth 6.67Million naira in 10 years’ time. The company I am about to introduce to you says that if you invest 20 Million naira today, they will convert it to the dollar for you, invest it for you and teach you financial literacy for free, that will be about 40K USD today and in 10 years it will be worth 1 Million dollars. They are so confident of what they do that they are willing to offer a guaranteed return of capital to skeptic investors.

I know what you are thinking: 419 don’ come! There are great Nigerian companies doing great things in the world today. Why are they able to make this kind of return? I challenge you to start digging, they put their address on their website. Watch out for my next article on this but you will only get it if you register at the site.

This article is written to mark the first year’s Anniversary of opening their Fund to the Public. Count yourself as one of the fortunate readers.

Click here to go to their website.

Till next time I am Boyi Adegoju

Guest Writer for 5Mastery.com

===============================

Do you like to receive Articles like this? Are you a High Net Worth Individual? If both answers are yes, please register at the website introduced to you in the article above. Feel free to forward to someone you know that is a High Networth Investor/Individual.

What will YOU do with an extra 320 USD a day, every day?

I woke up to check my account balance for the day with my morning coffee in hand.

I looked at the report and it was 320 USD. Hmm, this is not a good profit day I first thought – yes I could think this way because today’s return is below the average.

Then I pinched myself and remembered that I was sleeping when the Goal Trading system deposited this in my account having taken trade and executed it. I also remembered that it delivered similar amount yesterday. Then I remembered I had multiple accounts that similar amount was deposited for. So, I went into gratitude mode and thank God for the gift he has given me to build a system that can help people generate passive income.

My gratitude grew bigger when I thought of my many clients who tied their accounts to mine and also made money. Then it grew bigger when I realise some of them were not sleeping (I live in Australia so we sleep while the rest of the world is awake) but going about their day, their work and other endeavours that they do.

My 20 years of hard work, pain, tears, suffering from deceit of fake money makers like iiinvestments.com and now finally success, is now paying of. I am now realising my dream.

Then a final thought came, I have not shared this with enough people. I have to help enough people generate extra income, passive income and become financially free.

I thought of going to Facebook, then I remembered I did so in 2016 in a business partnership with iiinvestments.com that turned out to be unsuccessful because they were rogues. So I have hesitated going to Facebook for the last 11 months since we started this project.

In my reflection today, I have decided to come to Facebook to announce our new income generation system. I was able to come because of reflecting on the Wright Brothers, Graham Bell, Elon Musk’s work on going to space, NASA etc. None of these icons succeeded on their first try. Thomas Edison’s story was particularly insightful and pushed me to come to Facebook. He failed not 2 times (I have had two failures – in 2002 and 2016), he “failed” over 1,000 times. I saw the following quote about him: When a reporter asked, “How did it feel to fail 1,000 times?” Edison replied, “I didn’t fail 1,000 times. The light bulb was an invention with a 1,000 steps.”
Well I am dealing in Finance and money, to fail 1,000 times before success may have killed me! Thankfully, mine was just twice before I was propelled to getting it right. Next time I will tell you my story on how I got it right to generate passive income for myself and others.
I encourage you to improve your financial life by enrolling in any of our services at www.5Mastery.com.
We attempt to do the following and we are good at it:

Return a target of 3% every month for the Capital you invest through us – And don’t be afraid, we don’t hold your money, so we can’t run away with it – as some internet fake busineses do.
We coach you via our webinars so that you become financially free – when money is not your worry.

We are so good at what we do that we even offer the following:

The regular investment Programme – You can register to invest here
A Money back Guaranteed Programme – For those who are so scared to take risk, see it here. There is a catch though, you pay a higher subscription
Then for those who just want to watch the action and see it without getting involved, we offer a Demo/Trial Programme here. Select Demo/Trial when you select the Profile Field
Finally some will still say, this is not for me but I want to learn how to be Financially Free. We offer you a free report here – at no cost. Hmm, I don’t have a page for that but you can see on the home page or the side bar a form you can fill to get our free report. You see I already gained by coming here, I will now do a special page for the Free Report… now that I know it is necessary.

Please note that as in every business, there is risk involved in this and you should be thoroughly familiar with the risk. You will see that loud on our website.
So what will you do: The actions we do not take are the ones we regret.There are 4 actions up there, take one and be part of this project. Even if it is to proof we are wrong with what we say…. go ahead.
Until next time, when I come and tell you the full story, continue to work your way to Financial Freedom – it can be done.
Turn your Facebook into Money Making Venture – stop enriching others via Facebook, find your own income generation – register at www.5Mastery.com
Someone may say “Wey di 320 USD now?” that is in pidgin in English. Well, you can see it live here.
Regards

Boyi Adegoju

How to Check Your Daily/Weekly/Monthly Investment Return

Figure 1: Sample landing Page that shows your investment position

Figure 1 above is what you should be familiar with as an Investor. The url and pin we provided you will take you to a page that looks like Figure 1. The data will be showing your specific investment information.

Please refer to email captioned: How to check your investment position before reading this blog.

You likely have seen this page before based on previous email sent to your when we created your investment account.

If you are not yet an investor, then click on the Histogram showing our result on the home page. It will take you to a similar screen like this and follow along. Here is a shortcut to the link.

This blog will show you how you can get more fine grained information about how your investment is performing. For example, would it not be nice to be able to see how much return is made for you in a particular day, week or month? The good news is that it is possible and we want to show you a little information about this. Our goal is that this information will motivate you to explore more of other analysis you can do on your investment with the powerful tool based on Fxblue.com.

How to Check Your Daily Return

Suppose you want to know how much return was made for you in a particular day/date, you can do that by following the steps below:

Assumption: You are already on the landing page showing in Figure 1. If you are not there, use the url and pin we provided to you to get there.

Step 1: Click on Stats Button – You can find this on the landing page beside the statements button. When you click on it, it should show you something like you find in figure 2 below.

Step 2: On the Stats page, click on Daily Button. This is found on the row of buttons below the Stats page. The row starts with Overview button. It will show you all the days that trades were closed for you similar to what you see in Figure 3 below. The most important statistic is the Net Profit. This is the money that is bankable. Note that it may start the list by showing the oldest day/date. You can change the list to start from the most recent day/date by clicking on the Day heading. This is what we have done to produce Figure 3.

Figure 3: Daily Return Sorted by the newest date

How to Check Your Weekly/Monthly Return

Follow the same procedure as you did for the Daily Return but this time click on Week or Month button. Change the order of Week/Month that is displayed first as explained for Day above. You should see something similar to Figures 4 and 5.

Figure 4: Weekly Return Statement sorted by the newest week

Figure 5: Monthly Investment Return Statement

We hope you found this information useful and that it motivates you to explore more that you can do with the investment analysis tool at your disposal.

Exercise: Why not try to find out how to see your return in the most recent day of the week. Clue – Day of the week is represented by DOW button.

What we do at 5Mastery.com: We help people Achieve Financial Freedom with a Balanced Life Style. We manage their investment to grow their wealth. You can learn more about us by visiting www.5Mastery.com

Understand Risk Profiles

20% of our job at 5Mastery.com Goal Fund Management is managing risks. The remaining 80% is automated – the computer does that for us and it does a very good job of it. The percentage distribution is not in proportion of importance but in proportion of amount of work involved. 80% is pushed to the computer and that is the part that is difficult for us to do even if we try to. How will we be able to able to monitor the market 24×5 without automation? So we worked hard to develop in-house our Expert Robot to monitor the market and take trades for us. It will also tell us if anything strange is going on in the market or account. That way, we can relax knowing that the computer never sleeps and it will behave as programmed. As we learn new things, we adjust the codes to do that.

I have enough information, I want to invest

In fact, the Robot does some of the risk management by alerting us. E.g. we set a draw down level for each customer account and the system will tell us when such threshold is hit. if we have asked it to take an action e.g. to stop taking new trades, it will also do that.

There are still some things we have not been able to make the computer understand and react to – e.g. Brexit. It does not know how the UK Law Makers will react or the buzz coming out of Brussels. So we intervene at those periods and may override the system signals. Fortunately there are not too many of such but it is worth paying attention to because their effect could be huge to our bottom line.

One thing humans do not do well is decision making. May be that is why the issue of Brexit exists in the first place. We are terrible at decisions and we hardly admit we make a mess of it. Just look at the number of debates going on everyday in different parliaments around the world. We make laws upon laws, we need to make a new one because the old one is either outdated or some smart lawyers have found some loopholes in it that are being explored. News things may have come that we did not know about e.g. Cyber theft etc.

I have enough information, I want to invest

Our laws continue to grow and so does the law code. Then we have the lawyers and judges who have a job of knowing it enforcing it.

We can’t afford this in investment, we can’t throw things to the open and subject it to many interpretations. In his book, Principles, Ray Dalio challenged us to automate decision making as much as possible. He even asked us to do that even for human governance and decisions around it.

So we got to work to streamline our risk management to simple things we can relate to and apply. We started with 3 Risk profiles, then expanded it to 5 and now finally it is further refined, distilled and reduced to 3. Below you will find the characteristics of each and how we use them in Managing our Fund.

Our 3 types of risk profiles are Normal, Medium and Low. They are all expected to feature in your journey to financial freedom and the one you apply will depend on many factors. We are going to group the explanation into those factors to attempt to show how we use them.

We use risk profiles to control the amount we put at risk for every trade we take. It also controls at what point we start to take our loss if the trade does not go the way we anticipated. It does not affect where we take profit but it has effect on overall profitability. Please note that Normal risk may return less than Medium risk depending on market conditions. For example, we set a threshold of draw down at which point we start taking new trades. It is the same percentage for each risk profile. However, Normal profile is likely to hit the threshold before Medium (for example), that will mean no new trades are taken on such a Normal Risk profile account. If many new trade signals are generated during the “hibernation” stage of a Normal profile, Medium and Low Risk accounts may be getting those signals which may potentially mean they will make profits in the future that Normal account may not participate. In this scenario, Normal Profile may make less profit than Medium and Low Risk. There are other scenarios where Normal profile may make more profit if the % draw down threshold is not hit. What investors should bear in mind is that the concept of ” the more the risk more the profit” is not true in our risk management. What we are focusing on is not profit, it is risk management, it is capital preservation with a view to taking advantage of the Financial capacity of the investor.

I have enough information, I want to invest

Why are we not focused on profit? Because our system will handle that automatically. It will make profit, it has been making it for years and will continue to make it. So that is done and dusted. The main focus is therefore to ensure we still have our Capital with us today, tomorrow, next week, next year, next decade and leave something behind for the generation coming behind.

In the following headings, we give more insight into factors you should consider in selecting you risk profile as an investor.

Starting Capital & Monthly Contribution

Risk Profile	Starting Capital
Normal	If you are starting with less than 100K and you are willing to add about 1K to your account every month.
Medium	If you are starting between 200K and 500K If you start with less than the above but about to add less than 500 dollars every month
Low	if you are starting 500K or more if you start less than the above but unable to add anything to your account every month.

At the initial stage of your investment with us, we encourage you to start it well.This is what we call the Launch pad (initial capital) and take off (monthly contributions) phase of the rocket. The launch pad has to be solid to sustain the force of take off. So put in as much as you can but not enough to put your overall financial life at risk. This is not a get rich quick scheme. It is not an alternative to your retirement fund. So do this with self control. You will need the monthly contribution to continue to fuel the rocket to propel it to orbit. Our strategy involves taking some equity draw downs (Not draw down based on Balance, our balance is usually going up steadily but we will have negative Profit & Loss position), it means we may have negative positions in our portfolio for some time. Your monthly contribution will smooth the curve and ensure you are always within the proprietary draw down thresh hold we use. That allows you to be in the game to take on all trades that are possible for future profit that leads to growth of your overall fund.

Apart from the above, most individuals rely on monthly income from their job rather than a big capital to start. Adding to your investment monthly using the Normal Profile ensures that your money is put into better use for trade and risk management. So use the table above as a guide in deciding which profile to select. For most monthly salary earners starting off for example, the Normal profile has proven to be very suitable.

Your Age

Profile	Age
Normal	< 50
Medium	Between 50 and 60
Low	Over 60

This does not need much elaboration. The older you are, the lower should be your risk appetite. Hopefully you have also started investing/saving early and hence you have enough capital to start. Younger people tend to have less capital but able to make monthly contributions. Older people tend to have more starting capital but may not be able to make monthly contributions since they are either nearing retirement of have other commitments.

Your Risk Appetite

At the end, it may depend on your risk appetite. Fortunately we have ensured that no matter which risk profile you select, we are able to manage the risk to preserve capital.

Your Phase in Financial Freedom Journey

Which phase are you: Launch Pad? Take Off or Orbit? Or you have not started at all. That may depend on the risk profile you select.

If you have started with us and taking our coaching and lessons, then this is easy decision. We normally follow the path of Normal, then Medium and finally Low as you move in the 3 phases of our investment philosophy – Lunch Pad, Take off and Orbit. So if you are on the lunch pad, it will be Normal profile. That means you are just starting out. When your money hits 200K+ we recommend Medium and when you hit 500K we recommend Low.

Your basic needs, (emphasis on needs) do not increase with age. It is food, clothing and shelter. Therefore, as your fund grows, you should be decreasing your risk since your investment will be producing similar return in dollar value that will surpass your basic needs. The difference between the profiles will then be % return, this is not an issue for you because you would have balanced your life to be able live within the projected 3% return and still have more left over.

We hope this article will help you in your understanding of our Risk Profiles

What we do at 5Mastery.com
In case you are wondering what we do here: We coach people to attain a balanced and prosperous lifestyle by focusing on the following 5 Areas of life – Self Control, Life Purpose, Finance, Health and Relationship. We help people to attain Financial freedom through our Goal Fund where we target to return 3% profit every month. Yes, that is 36% a year. We are doing that very well as you can see on our track record here.

You can even try it free here.