Are you ready to turn your "Buy" and "Sell" buttons into a profit machine?
Are you ready to turn your "Buy" and "Sell" buttons into a profit machine?
Dr. Salihu Lukman is a professor, author, columnist, administrator, inventor, YouTuber and lifestyle enhancement advocate. He was the first professor of civil engineering employed immediately after completing his PhD in civil engineering by the King Fahd University of Petroleum and Minerals (KFUPM, the best university in the Arab world), Saudi Arabia, to establish a new civil engineering program from scratch in one of its campuses in Hafr Al Batin, now called University of Hafr Al Batin, Saudi Arabia.
He was also charged with the responsibility of overseeing the establishment of a chemical engineering program from scratch and head both the civil and chemical engineering departments – a super head of department (HOD) for that matter. For more information about him, visit: https://www.theabusites.com/dr-salihu-lukman-abusite/
Knowledge is the difference between "gambling" and "investing." 💡
Understanding the Order Book
isn't just about clicking buttons; it's about mastering the "rules of the
game". Many of our 30-Day Masterclass attendees reached out saying they
needed more clarity on the Day 11 lesson which was presented on Sunday.
To ensure no one is left behind in our 30-Day
Masterclass, I hosted an unscheduled deep-dive Zoom session to break it all
down and demystify the technical side of the NGX Trading Interface.
Missed it? No worries. I’ve recorded both sessions for
you to catch up!
We took a deep dive into:
✅ Market
vs. Limit Orders: Knowing when to be fast and when to be patient.
✅ The
10% Rule & Tick Sizes: Understanding price movements.
✅ Order
Book Mechanics: Identifying "Full Bids" and "Full
Offers." and benefiting from price-time priority.
If you want to navigate the market like a pro, these
two recorded sessions are a must-watch.
👇 Watch the recordings here and master your trading
interface:
1. Link to session 1: https://youtu.be/GO9B3noVgcQ
2. Link to session 2: https://youtu.be/Tl2cvxs2QZY
Dr. Salihu Lukman is a professor, author, columnist, administrator, inventor, YouTuber and lifestyle enhancement advocate. He was the first professor of civil engineering employed immediately after completing his PhD in civil engineering by the King Fahd University of Petroleum and Minerals (KFUPM, the best university in the Arab world), Saudi Arabia, to establish a new civil engineering program from scratch in one of its campuses in Hafr Al Batin, now called University of Hafr Al Batin, Saudi Arabia.
He was also charged with the responsibility of overseeing the establishment of a chemical engineering program from scratch and head both the civil and chemical engineering departments – a super head of department (HOD) for that matter. For more information about him, visit: https://www.theabusites.com/dr-salihu-lukman-abusite/
It is with a heart full of humility and overwhelming gratitude that I express my profound thanks to the Nigerian Society of Engineers (NSE), Eastern Province (EP) Branch, Saudi Arabia, for honoring me as the recipient of the maiden INSTITUTIONAL IMPACT AWARD.
To be the first individual recognized under this category by the only NSE body in the Kingdom of Saudi Arabia is a distinction that deeply moves me.
My journey to this moment began on a Thursday, with a six-hour drive from Hafr Al Batin to Dammam—the vibrant heart of the Kingdom's oil capital city. The atmosphere at the 2nd Annual General Meeting (AGM) was electric, graced by esteemed dignitaries, including the acting Nigerian Ambassador to Saudi Arabia.
As I sat conversing with my dear friend and colleague, Bakano, Engr. Prof. Salisu Dan’azumi, we had just witnessed the well-deserved recognition and award of the pioneer branch chairman, Engr. Prof. Abdullahi Mas’ud, for his distinguished service. It was in that moment of celebration for others that I heard my own name called by the anchor, Engr. Dr. Mohammed Mu’azu Abdullahi.
Hearing my citation read aloud was a surreal experience. For over a decade, I have endeavored to contribute in small ways—facilitating recruitment, mentoring young engineers, and sharing my insights based on my experience in health, psychology, and now stock investments. I never imagined that these "little things" were being quietly observed and meticulously counted by others. As the anchor spoke of my impact on recruitment facilitation and mentorship, I found myself silently asking, “Is he truly describing the same Dr. Lukman I know?”
While I have received accolades in the past, this award holds a special place in my heart. It serves as a powerful reminder that our efforts, however quiet, do not go unnoticed.
Heartfelt Appreciation:
• To the Nominees & Observers: Thank you for following my trail all these years and deeming my contributions worthy of such a high honor.
• To the Leadership: My sincere thanks to the newly inaugurated Chairman, Engr. Dr. Ayuba Adeshina, and his dedicated team—especially Engr. Dr. Muhammad Alhaji Muhammad and Engr. Dr. Adeshina Adewumi—for orchestrating such a successful and memorable AGM.
• To the Media: A special thank you to Dr. Ahmed Haruna, CEO of Abbacomms, for his exceptional coverage of the event and this milestone in my professional journey.
Though I may feel small in the face of such a grand recognition, I am inspired to continue serving our professional community with even greater passion.
Watch the full citation and highlights here:
Photoshoots.
Dr. Salihu Lukman is a professor, author, columnist, administrator, inventor, YouTuber and lifestyle enhancement advocate. He was the first professor of civil engineering employed immediately after completing his PhD in civil engineering by the King Fahd University of Petroleum and Minerals (KFUPM, the best university in the Arab world), Saudi Arabia, to establish a new civil engineering program from scratch in one of its campuses in Hafr Al Batin, now called University of Hafr Al Batin, Saudi Arabia.
He was also charged with the responsibility of overseeing the establishment of a chemical engineering program from scratch and head both the civil and chemical engineering departments – a super head of department (HOD) for that matter. For more information about him, visit: https://www.theabusites.com/dr-salihu-lukman-abusite/
For those who have followed my journey here on social media since 2019, you already know where my heart has always been — education, empowerment, and practical transformation.
I started by writing extensively on reversing type 2 diabetes,
sharing real-life success stories and teaching how to effectively
manage blood glucose using lifestyle enhancements alone — diet,
physical exercise, emotional well-being, and stress control. Many people
learned that healing is not only about drugs, but about understanding
the body and living intentionally.
That same concern for emotional well-being naturally led me
into mental health. Over the years, I wrote several articles
on:
·
Understanding one’s
personality
·
Personality psychology and
clinical psychology
·
Personality disorders
(narcissism, borderline, histrionic, OCPD, etc.)
·
Common mental illnesses
like depression, anxiety, phobias, bipolar disorder, and related conditions
The underlying message was always the same:
👉
When you understand yourself, you make better health, emotional, and life
decisions.
For the past two years, however, I went relatively quiet on
one major front — not because I stopped learning, but because I entered another
phase of growth: financial literacy and stock market education.
I realized something profound:
Many people fix their health, stabilize their emotions, yet remain under
constant financial stress — which quietly destroys both health
and mental well-being. So once again, I went back to first principles, studied
patiently, invested practically, made mistakes, learned, and grew.
Today, by Allah’s grace, that journey has birthed a new chapter.
I am currently running a 30-Day FREE Masterclass on Stock Investment
Basics, teaching people how the stock market works from
scratch — no hype, no shortcuts, just solid understanding and
financial literacy.
📊 Over 3,000+ participants
are already attending (1,000+ on WhatsApp, 2,200+ on Telegram)
🕘
Holds daily at 9:00 pm (Nigerian time)
📚
Designed for absolute beginners and curious minds alike
✈️Telegram joining link: https://t.me/learnstockinvestmentbasics.
Join before all empty seats are taken.
This is not a departure from my original mission — it is an extension
of it.
👉 From lifestyle enhancement advocate
👉
To mental health & self-understanding advocate
👉
Now to financial literacy advocate
Because true well-being is holistic:
Health. Mind. Emotions. Finances.
For those interested, I’ll be sharing the Day 1 to Day 4 masterclass
posters. You’re warmly invited
to join this learning journey — just as we’ve always done: freely, sincerely,
and purposefully 🌱📈.
Dr. Salihu Lukman is a professor, author, columnist, administrator, inventor, YouTuber and lifestyle enhancement advocate. He was the first professor of civil engineering employed immediately after completing his PhD in civil engineering by the King Fahd University of Petroleum and Minerals (KFUPM, the best university in the Arab world), Saudi Arabia, to establish a new civil engineering program from scratch in one of its campuses in Hafr Al Batin, now called University of Hafr Al Batin, Saudi Arabia.
He was also charged with the responsibility of overseeing the establishment of a chemical engineering program from scratch and head both the civil and chemical engineering departments – a super head of department (HOD) for that matter. For more information about him, visit: https://www.theabusites.com/dr-salihu-lukman-abusite/
Over time, I have written numerous articles and posts on stock investment across my Facebook page and blog, sharing insights, lessons, and practical experiences from my own journey in the Nigerian stock market. While many readers have found these articles helpful, I understand that for beginners, the information can sometimes feel overwhelming when taken all at once.
This 30-day masterclass, which begins tonight at 9 pm (Nigerian time, 11 pm Saudi time), daily, is designed to break down all those articles into simple, well-structured, and easy-to-understand topics that anyone can follow—step by step. The goal is to move from zero knowledge to a point where you can confidently start investing in Nigerian stocks with clarity, discipline, and realistic expectations.
Throughout these 30 days, we will focus on basics, practical understanding, and real-life examples, not complex theories or technical jargon. Each day builds on the previous one, so by the end of the program, you should be able to understand how the stock market works, how to start investing, how to manage risk, and how to build a diversified portfolio that suits your goals.
This is not about quick riches or speculation. It is about learning the right foundations, developing the right mindset, and positioning yourself to benefit from the stock market over time.
Welcome aboard. Let’s learn, grow, and invest wisely—together.
Expected Learning Outcomes
By the end of this masterclass, participants should be able to:
✔ Understand how the Nigerian stock market works
✔ Open and use brokerage platforms confidently
✔ Analyze stocks at a basic level
✔ Build a diversified portfolio
✔ Invest calmly and profitably
✔ Avoid common beginner mistakes
Venue: LEARN STOCK INVESTMENT BASICS WhatsApp & Telegram Groups
Telegram group joining link: t.me/learnstockinvestmentbasics
Dr. Salihu Lukman is a professor, author, columnist, administrator, inventor, YouTuber and lifestyle enhancement advocate. He was the first professor of civil engineering employed immediately after completing his PhD in civil engineering by the King Fahd University of Petroleum and Minerals (KFUPM, the best university in the Arab world), Saudi Arabia, to establish a new civil engineering program from scratch in one of its campuses in Hafr Al Batin, now called University of Hafr Al Batin, Saudi Arabia.
He was also charged with the responsibility of overseeing the establishment of a chemical engineering program from scratch and head both the civil and chemical engineering departments – a super head of department (HOD) for that matter. For more information about him, visit: https://www.theabusites.com/dr-salihu-lukman-abusite/
Exciting news for our learning community! To better serve our growing number of members, we are officially expanding our classroom to Telegram.
As many of you have noticed, our WhatsApp group has reached a certain capacity, and we have paused new admissions there to avoid daily reposting of all Q&As. Moving to Telegram allows us to solve two major challenges: it accommodates a much larger membership and, most importantly, it ensures that new members can instantly access all past lessons, Q&As, and shared resources without us needing to repost them daily.
Group Details: LEARN STOCK INVESTMENT BASICS
• Platform: Telegram (Public Group)
• Capacity: Up to 200,000 members—plenty of room for everyone!
• Accessibility: New joiners can scroll up to see every previous discussion from day one.
• Language: Our primary language is English, but we warmly welcome posts in Hausa for those who find it easier to express their questions or ideas that way.
How to Join
There are three easy ways to get started:
1. Direct Link: Click the joining link provided below. t.me/learnstockinvestmentbasics
2. QR Code: Simply scan the QR code below.
3. Search: Open your Telegram app, tap the search icon, and type "LEARN STOCK INVESTMENT BASICS" to find and join us instantly.
Note: Our WhatsApp group will remain active for current members, but all new "articles" and detailed analyses will be synchronized across both platforms, with Telegram serving as our permanent archive.
Dr. Salihu Lukman is a professor, author, columnist, administrator, inventor, YouTuber and lifestyle enhancement advocate. He was the first professor of civil engineering employed immediately after completing his PhD in civil engineering by the King Fahd University of Petroleum and Minerals (KFUPM, the best university in the Arab world), Saudi Arabia, to establish a new civil engineering program from scratch in one of its campuses in Hafr Al Batin, now called University of Hafr Al Batin, Saudi Arabia.
He was also charged with the responsibility of overseeing the establishment of a chemical engineering program from scratch and head both the civil and chemical engineering departments – a super head of department (HOD) for that matter. For more information about him, visit: https://www.theabusites.com/dr-salihu-lukman-abusite/
Over the past months, I’ve written extensively on my Facebook page and blog, encouraging people to embrace stock investment as a practical path toward financial growth and independence. Many people have shown interest, asked questions, and requested guidance on how to start.
To make things easier and more organized, I’m happy to announce the creation of a WhatsApp group titled:
✅ LEARN STOCK INVESTMENT BASICS
🎯 Purpose of the Group
This group is created mainly to:
📌 Answer beginners’ questions on how to start investing in stocks
📌 Share daily stock market performance updates
📌 Share reliable investment information, tips, and opportunities
📌 Help members understand key stock market terms and strategies in a
simple way
📌 Build a community where we learn and grow together
🌍 Language
The main language of communication will be English,
but members can also communicate in Hausa if they are more comfortable
with it.
And the beautiful part is:
✅ WhatsApp now allows you to translate messages easily from one
language to another, and you can also set your preferred language so
posts are automatically translated into the language of your choice.
🆓 Cost
This group is 100% FREE.
No charges. No hidden fees. Just learning, guidance, and value.
If you are serious about understanding how the
stock market works, especially as a beginner, this group will help you greatly.
✅ How to Join
To join the group, simply use the WhatsApp
joining link or scan the QR code that I will provide below/along
with this post.
Let’s learn. Let’s grow. Let’s build wealth
wisely. ✅📈
Joining link: https://chat.whatsapp.com/HUVpi3b48kP6CnVHt32wjY
QR Code:
Dr. Salihu Lukman is a professor, author, columnist, administrator, inventor, YouTuber and lifestyle enhancement advocate. He was the first professor of civil engineering employed immediately after completing his PhD in civil engineering by the King Fahd University of Petroleum and Minerals (KFUPM, the best university in the Arab world), Saudi Arabia, to establish a new civil engineering program from scratch in one of its campuses in Hafr Al Batin, now called University of Hafr Al Batin, Saudi Arabia.
He was also charged with the responsibility of overseeing the establishment of a chemical engineering program from scratch and head both the civil and chemical engineering departments – a super head of department (HOD) for that matter. For more information about him, visit: https://www.theabusites.com/dr-salihu-lukman-abusite/
Tambaya:
Jazakhallahu Prof.
But sir idan kanason samu dividend a ina zakayi register? a apps irinsu Bamboo koko a Meristem, APT etc?
Amsata:
Wa iyyakum. A duk wanda ka yi register da shi, primary broker ne kaman su Meristem, APT, dss, ko kuwa 3rd-Party Apps ne kaman Cowrywise, Bamboo, Yochaa, dss, za ka sami Dividend matuqar kamfanin da ka siya Share din su na bayar da Dividend.
Shin ta yaya za ka sani ko kamfani na biyan dividend?
(1) Cowrywise: Mafi sauqin hanyan da na ke dubawa in ga ko kamfani tana biyan Dividend shine ta Cowrywise. Da zaran ka bude shafin kamfanin, za ka ga DIVIDEND YIELD. Idan an rubuta sifili, to ba sa biyan Dividend kenen. Idan kuwa suna biya, to za ka ga adadin da suke biyan din a cikin dari, wato percentage.
(2) Meristem: Wannan broker din na da takarda wanda ta ke turawa duk sati domin bada shawara a kan stocks. A cikin wannan takardan, tana lissafta dukkanin kamfanoni masu biyan Dividend tare da Dividend Yield, da kuma lokacin da ta biya a baya ko kuma za ta biya a nan gaba, tare da Qualification Date, kai har ma da Bonus, wato qarin Shares kyauta da wasu kamfanoni suke bayar wa. Ga Screenshot nan, sannan kuma ga Link din takardan gabadayanta.
Kafin ka cancanci a biya ka Dividend, dole sai kana da Shares din kamfanin kafin ko kuma har zuwa ranar Qualification Date. Idan ka cancanta, sannan kuma ka ji shiru, to sai ka nemi Registrar din kamfanin, ka tuntube su ta Email domin ka kai koken ka.
Menene Company Registrar?
Registrar, kamfani ne da ke kula da sunan masu hannun jari (Shareholders) na wani kamfani.
Ayyukansa sun haɗa da:
• Riƙe jerin sunayen masu shares
• Tabbatar da adadin Shares da kowa ke da su
• Tura Dividend ga masu Shares
• Gyarawa da sabunta bayanan masu Shares (suna, lambar waya, banki, da sauransu)
• Taimakawa a Rights Issue ko Public Offer
A takaice:
Registrar shi ne “ofishin rikodin” da ke kula da bayanan masu hannun jari na kamfani. Kuma kowace kamfani tana da Registrar din ta. Ga misalan su: Meristem Registrars, First Registrars, Coronation Registrars, CardinalStone Registrars, da dai sauransu.
Ta yaya zan gane Registrar din kamfanin da ni ke da Shares a ciki?
(1) Ta hanyar Internet Search za ka iya neman sunan Registrar din kowacce kamfani tare da Email din su.
(2) Cowrywise: A shafin kowanne kamfani ka bude a Cowrywise, to za ka ga sunan Registrar din kamfanin a can qasa. Idan ka ga sunan, to sai ka nemi Email din su ta Internet Search.
Idan ka tuntube su, za su duba su tabbatar da bayanan ka, sannan daga baya, ka ji Alert.
Wai shin menene Dividend?
Dividend kuɗin riba (Profit) ne da kamfani ke raba wa masu hannun jarinsa (Shareholders) daga ribar da ya samu a zango (Interim Dividend) ko kuma a shekara (Final Dividend).
Misali: Idan kana da hannun jari na kamfani, kuma kamfanin ya samu riba, zai iya ba ka wani kaso na wannan riba a matsayin Dividend. Manya da qananan kamfanoni suna iya biyan Dividend, matuqar sun ci riba.
A da MTN na biyan Dividend, amma kuma da ta fadi a 2024, sai bata biya ba har sai da ta ci riba a 2025 sannan ta dawo da biyan Dividend.
Menene Dividend Yield kuma?
Dividend Yield yana nuna maka nawa kake samu daga Dividend idan aka kwatanta da farashin Share din.
Ana lissafa shi a cikin kashi dari (%).
Misali:
Idan ka sayi share a ₦100, kuma kamfanin ya biya dividend ₦10 a shekara ga kowacce Share,
to dividend yield ɗinka = 10%. Ka ga, idan kana da 1,000 Shares (₦100,000), za ka sami ₦10,000 kenan, idan kuma kana da 10,000 Shares (₦1 Million), za ka sami ₦100,000 kenan.
A takaice:
• Dividend = kuɗin riba da kamfani ke ba masu shares
• Dividend Yield = yawan ribar da ka samu idan aka kwatanta da farashin da ka biya ga kowacce Share.
Idan kana so, zan iya ba ka jerin kamfanonin Najeriya da ke biyan dividend mai kyau.
Kamfanonin da suka fi biyan Dividend
• Banks (UBA, GTB, Zenith, Stanbic IBTC): Interim da Final Dividend
• Dangote Cement da BUA Foods: Final Dividend
• Seplat: Quarterly (sau hudu a shekara)
• Presco, Okomu: Interim da Final Dividend. Sun biya Interim Dividends sau biyu a 2025, ana tsammanin za sub iya Final Dividend bayan sun kammala tattara sakamakon riban 2025.
Ku karanta wannan maqalan, domin qarin bayani.
Dr. Salihu Lukman is a professor, author, columnist, administrator, inventor, YouTuber and lifestyle enhancement advocate. He was the first professor of civil engineering employed immediately after completing his PhD in civil engineering by the King Fahd University of Petroleum and Minerals (KFUPM, the best university in the Arab world), Saudi Arabia, to establish a new civil engineering program from scratch in one of its campuses in Hafr Al Batin, now called University of Hafr Al Batin, Saudi Arabia.
He was also charged with the responsibility of overseeing the establishment of a chemical engineering program from scratch and head both the civil and chemical engineering departments – a super head of department (HOD) for that matter. For more information about him, visit: https://www.theabusites.com/dr-salihu-lukman-abusite/
Question:
Do you have trusted people or know people one can rely on for trading and knowledge? I don't have the brain to be watching market.
My Response
Yes — if you don’t have the time, interest, or “brain” to monitor the market daily, there are trusted, professional options where fund managers trade for you. These fall into two main categories: actively managed equity funds and passively managed exchange-traded funds (ETFs).
🔹 OPTION 1: Actively Managed Equity Funds
Professionals select and trade stocks for you.
These funds aim to outperform the market through research-driven and active trading decisions.
Examples:
• Lotus Halal Equity ETF (LOTUSHAL15) – Shariah-compliant. Tracks the NGX Lotus Islamic Index (NGX-LII) which consists of 11 shariah-compliant stocks.
• Afrinvest Equity Fund
• Stanbic IBTC Nigerian Equity Fund
• ARM Equity Fund
• Meristem Equity Fund
• United Capital Equity Fund
• FSDH Equity Fund
Best for you if:
✔ You want experts to handle stock selection
✔ You prefer long-term growth
✔ You don’t want to watch charts daily
🔹 OPTION 2: Passively Managed ETFs
They track a given set of stocks under an index, say NGX 30 (which tracks the top 30 companies by market capitalization and liquidity), automatically.
ETFs simply mirror an index like the NGX 30 index, Banking Index, Growth Index, Consumer Goods Index, Oil & Gas Index, Premium Index, etc. No active stock picking.
Examples:
• Stanbic IBTC NGX 30 ETF
• NewGold ETF (Gold-backed)
• Vetiva Griffin 30 ETF
Best for you if:
✔ You want low-stress investing
✔ You believe in market growth over time
✔ You don’t want active trading
🔹 OPTION 3: Hybrid Platforms (Easy & Guided)
Apps like Cowrywise, Bamboo, and Trove let you:
• Invest in funds and mutual funds that invest in a diversified asset class such as bonds, T-bills, placements, and other fixed-income.
• Buy ETFs
• Get basic guidance
• Avoid daily monitoring
🧠 Simple Truth
You don’t need to be a market expert to grow wealth.
Just choose the right structure:
If you want… Choose…
Experts to trade Equity Funds
Simple growth ETFs, Mutual Funds
Easy access Cowrywise / Bamboo
Halal investing LOTUSHAL15 ETF, Stanbic IBTC Imaan Fund, Afrinvest Halal Fund, ARM Halal Balanced Fund, FBN Halal Fund, etc.
Final Advice
Let professionals do the heavy lifting while you focus on your life.
Smart investing isn’t about stress — it’s about structure.
Dr. Salihu Lukman is a professor, author, columnist, administrator, inventor, YouTuber and lifestyle enhancement advocate. He was the first professor of civil engineering employed immediately after completing his PhD in civil engineering by the King Fahd University of Petroleum and Minerals (KFUPM, the best university in the Arab world), Saudi Arabia, to establish a new civil engineering program from scratch in one of its campuses in Hafr Al Batin, now called University of Hafr Al Batin, Saudi Arabia.
He was also charged with the responsibility of overseeing the establishment of a chemical engineering program from scratch and head both the civil and chemical engineering departments – a super head of department (HOD) for that matter. For more information about him, visit: https://www.theabusites.com/dr-salihu-lukman-abusite/
Comment
“Stock market is good only for those who are
patient and those who can absorb pressure in case of sudden depreciation and
losses. If you know you are hypertensive or impatient, you better avoid
investing in stocks and invest in landed properties in good location!”
My Response
While it is true that the stock market requires
patience and emotional discipline, it is not accurate to say that only a
certain “type” of person should invest in it. The real issue is not
hypertension or impatience, but strategy and risk management. A
well-structured, diversified portfolio across strong, fundamentally sound
stocks, sectors, and asset classes can significantly reduce the impact of
sudden market shocks. When one spreads investments wisely, temporary losses in
one stock are often balanced by gains in others.
Moreover, the stock market is naturally cyclical—it rises and falls over time. Short-term dips are normal and do not automatically mean real loss unless one sells at that moment. For people who are emotionally sensitive to price movements, a simple solution is to avoid checking their portfolio value too frequently. Constant monitoring magnifies anxiety, even when nothing fundamentally has changed.
The liquidity and entry barrier in another major issue. The above comment suggests "investing in landed properties" as an alternative. However, real estate in prime locations requires massive upfront capital (often ₦10M – ₦50M+) and is illiquid compared to stocks. If you have a medical or financial emergency, you cannot sell a "bedroom" of your house to get cash. Stocks allow you to start with virtually any amount, say ₦1,000, and provide the liquidity to exit whenever you choose within just T+2 (trading day plus 2 additional working days) settlement period.
Bricks and mortar have become the silent vault for Nigeria’s stolen billions. By utilizing proxies to shroud their tracks, the architects of corruption have transformed the landscape of cities like Lagos and Abuja into a graveyard for public funds. According to former EFCC Chairman Abdulrasheed Bawa, a staggering 97% of looted assets find their final resting place in real estate. The extensive forfeitures linked to former power players - like Petroleum Minister Diezani Alison-Madueke, CBN Governor Godwin Emefiele, and Attorney General & Justice Minister Abubakar Malami - serve as a sobering reminder that while these assets may be fixed in stone, the shadows of their acquisition are increasingly coming to light.
Real estate, like stocks, also carries risks — maintenance costs, legal issues, and market downturns. No investment is completely stress-free. What matters is choosing investments that match one’s financial goals, time horizon, and risk tolerance. You don't have to choose between your health and the 51% returns the Nigerian market is currently offering—you just need a balanced asset allocation. Even Dangote acknowledged that he would have been way richer had he invested in stocks rather than building an oil refinery.
In summary, the stock market is not for the “fearless,” but for the informed, disciplined, and diversified. With the right approach, even conservative investors can benefit from long-term wealth creation without unnecessary emotional pressure.
Real estate is a great asset, but it is not a
replacement for the compounding power of the stock market. Don't let the fear
of 2008 or daily price "noise" rob you of the wealth-building
opportunities of 2026. Invest logically, not emotionally.
Dr. Salihu Lukman is a professor, author, columnist, administrator, inventor, YouTuber and lifestyle enhancement advocate. He was the first professor of civil engineering employed immediately after completing his PhD in civil engineering by the King Fahd University of Petroleum and Minerals (KFUPM, the best university in the Arab world), Saudi Arabia, to establish a new civil engineering program from scratch in one of its campuses in Hafr Al Batin, now called University of Hafr Al Batin, Saudi Arabia.
He was also charged with the responsibility of overseeing the establishment of a chemical engineering program from scratch and head both the civil and chemical engineering departments – a super head of department (HOD) for that matter. For more information about him, visit: https://www.theabusites.com/dr-salihu-lukman-abusite/