Let the Experts Do the Trading: Smart, Stress-Free Investing for Busy and Non-Technical Investors Using Equity Funds and ETFs

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.