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Directors of AIICO Insurance Plc, on Thursday gave shareholders enough reasons to be anticipate a juicy returns on investment at yearend, after reporting robust growth in half-year profit, helped by growth in such line items as profit from net realized gains, other operating income and the significant drop in impairment loss on financial assets. Gross premium written rose 30.16% to N19.296bn from the previous N14.825bn; while gross premium income notched 34.41% from N12.691bn to N17.058bn; and reinsurance expenses increased to N2.658bn, up by 33.2% from N1.995bn. Net premium income improved by 34.63% from N10.696bn in 2017Q2, to N14.4bn; Insurance contract rose by 55.99% from N359.79m to N561.238m; pension and other contracts appreciated to N977.95m from N849.483m; net underwriting income stood at N15.939bn from N11.905bn; just as net claims expenses rose 28.85% from N8.872bn to N11.431bn; and underwriting expense from N1.556bn to N1.912bn. Total underwriting expenses increase...

Sentiment moves in stages in this phase. From neutral to bullish and to downright euphoric.During this stage, the late majority jump in, having realized the party has begun. Volume increases substantially and price also goes up as logic and reason take a back seat to greed. As the late majority are entering so also the smart money are unloading. After this time, price begins to slow down, those who has been sitting on the sidelines see this as buying opportunity and they jump in en masse.As this is ongoing, prices make a last parabolic move known as sell climax in technical analysis; this is where the largest gains often occur in the shortest period.  Investdata Academy

NSEASI buy 31% sell 69% MFI 15.63 Access buy 0% MFI 49.91 Afrprud buy 0% MFI 84.70 Aiico buy 💯 volume index 1.60 MFI 67.81 Continsure buy 💯 volume index 4.38 MFI 87.74 Cutix buy 💯 volume index 12.63 MFI 100.00 Dangote flour buy 0% volume index 1.27 MFI 11.25 Diamond buy 71% sell 29% volume index 0.73 MFI 34.62 Eterna buy 💯 volume index 0.97 MFI 65.56 Fbnh buy 💯 MFI 69.33 Fcmb buy 94% sell 6% volume index 3.70 MFI 31.39 Fidelity buy 0% volume index 1.44 MFI 49.96 Fmn buy 0% MFI 43.92 GT buy 75% sell 25% MFI 66.41 Hony flour buy 💯 MFI 29.10 Jaiz buy 0% volume index 1.11 MFI 27.56 Japaul buy 0% volume index 1.20 MFI 25.33 Lvstk buy 💯 volume index 3.75 MFI 36.56 M&B buy 💯 volume index 0.99 MFI 30.74 Mobil buy 💯 volume index 10.68 MFI 3.69 Nem buy 💯 MFI 43.05 Nestle buy 33% volume index 0.94 MFI 80.30 Oando buy 0% MFI 33.06 Regalins buy 💯 volume index 0.85 MFI 55.29 Sterling buy 💯 MFI 93.08 Transcorp buy 💯 MFI 45.66 Uba buy 💯 volume index 0.7...

By Idialu Odegua Judith, judyodegua@yahoo.com The Central Bank of Nigeria (CBN), on Tuesday concluded its Monetary Policy Committee (MPC) meeting in Abuja and for the 12th consecutive time in two years, all the benchmark Monetary Policy Rate was retained. While there are noticeable improvements in economic indices, the continued maintenance of the status quo in rates leaves much to be desired than achieved in the period. Specifically, MPR was left at 14%; Cash Reserves Ratio (CRR), 22.5%; Liquidity Ratio, 30%, while the Asymmetric Corridor around the MPR stands at +200/-500 basis points. The major challenge within the period were how to counter risks of inflation, attract foreign investments and maintain exchange rate stability. Bond Meanwhile, trades at the nation’s Bond market closed on a flat note as investors awaited results of the day’s Bond auction, as it was expected to influence movement in yields in the OTC market. However, the Results from the bond auction show...

Union Bank of Nigeria, on Wednesday presented its half year financials, showing a 15.64% growth in gross earnings, helped by the modest rise in interest income, while the highlight of the figures was the net trading income, which grew by 108.81%. Gross earnings for the period rose from N72.062bn to N83.333bn; after interest income stood at N62.202bn, up from N56.631bn; the lion’s share of which was the N46.664bn income from loans and advances to customers, up from N41.332bn; followed by investment securities of N14.206bn, which was slightly better than N13.462bn in 2017. Interest expense rose marginally to N27.856bn from N26.533bn, driven by the N23.448bn paid on customer deposits, up from N21.054bn; as net interest income climbed 14.11% up from N30.098bn to N34.346bn. Net impairment charge for credit losses increased by 23.1% to N4.625bn from N3.757bn; just as net interest income after impairment charges for credit losses was N29.721bn from N26.341bn. Net fee and commission...

Building materials’ giant- Lafarge Africa, on Tuesday presented its half-year unaudited financials, showing flat revenue growth, while cost of sales grew rose double digits, just like selling and marketing and administrative expenses. The situation made worse by the three-digit growth in finance costs for the half-year period. After all of these, the company reported a loss before and after tax, after a three-digit decline over the period. Sales revenue for the period rose 4.81% to N162.291bn from N154.839bn. A breakdown of the sales revenue for the half-year period showed that sale of cement yielded N132.216bn, up from N124.313bn; while aggregate and concrete dropped slightly to N27.744bn, up from N28.019bn; while admixtures and other products dropped to N2.331bn from N2.506bn. Cost of sales climbed to N123.329bn from N110.39bn, representing a 11.72% climb; the bulk of this was the N76.219bn variable cost, up from N70.398bn (mainly the N29.024bn distribution variable costs, ...

This is the phase that follows the accumulation phase. One of the ways to know this phase is becoming evident is to see a stock or sector that has "broken out " of its neutral range. Right from here an obvious increase in volume should be seen. At this point, most institutional investors and individual investors who are aware of this early trend jump on board bringing along a significant buying power. Another way of knowing this trend is here, is to start seeing stock setting a higher lows and a higher highs, gaining volume and frequently testing key levels of resistance as it essentially marking the end of the battle between the bulls and the bears, with the bulls prevailing. At this point, the previously dull stock becomes attractive to all investors looking to profit from the upward momentum. Towards the end of the mark-up phase, a full market participation will be seen whereby everyone will likely to have made an investment. This paves the way for the next wave 🌊....

NSEASI buy 5% sell 95% volume index 1.07 MFI 15.75 Access buy 0% volume index 2.03 MFI 50.44 Caverton buy 💯 volume index 9.48 MFI 85.95 Dangote flour buy 0% volume index 1.84 MFI 12.69 Dangote sugar buy 14% sell 86% volume index 0.76 MFI 49.77 Diamond buy 0% volume index 2.93 MFI 35.33 Eterna buy 50% sell 50% volume index 0.74 MFI 67.98 Fbnh buy 💯 volume index 4.76 MFI 67.46 Fcmb buy 33% sell 67% volume index 1.48 MFI 6.70 Fidelity buy 💯 volume index 1.23 MFI 44.77 FO buy 0% volume index 0.75 MFI 62.04 Jaiz buy 0% volume index 4.97 MFI 29.50 Lvstk buy 0% volume index 4.19 MFI 28.05 Nem buy 0% MFI 53.33 Oando buy 0% MFI 33.91 Skye buy 💯 volume index 1.30 MFI 32.38 Sterling buy 💯 MFI 94.24 Transcorp buy 0% volume index 0.95 MFI 43.02 Uacn buy 0% volume index 0.95 MFI 37.58 Uba buy 💯 volume index 1.78 MFI 49.51 Ubn buy 33% sell 67% volume index 0.97 MFI 29.50 Ucap buy 💯 MFI 53.32 Unilever buy 💯 MFI 95.13 Wapco buy 74% sell 26% volume index 2.47 MFI 31.2...

These days, it is no longer enough to argue that enterprise companies are too big to bother with social media. Remember this Sales 101 basic: be where your market is. Right now, they are online. The numbers are daunting. Of the 7.3 billion global population as of July 2015, more than 3 billion use the internet. Of these, more than two thirds are on social media. Facebook has more than 1.7 billion users; LinkedIn has 450 million. Plus, more than 90 percent of brands are on at least two social media platforms. It’s not just the wide use of social media that drives companies to explore social selling possibilities. According to a May 2017 Forrester Consulting survey (done for Hootsuite), there is a general discontent with how typical salespeople conduct selling. A majority of the respondents believe that salespeople come to the table with an agenda, regardless of its fit as the solution to the customer’s problems. The internet – and to a good degree, social media – empowers buye...

We are living in exciting and innovative times with futuristic technology literally at our fingertips. But for the longest time, small to medium sized businesses were not serviced by the latest tech trends enterprises have been able to benefit from. That is, until now. In this article, we’ll explore these technology trends and how they will impact business in 2018 and beyond. So, what kind of things can this ‘smart’ tech do? Just 4 months ago, an AI machine managed to complete a University level math exam 12 times faster than it normally takes the average human.  How? Through the art of machine learning; where computers learn and adapt through experience without explicitly being programmed. Furthermore, Facebook made headlines earlier this year when their chatbots created their own language. Some Fake News stories say that the engineer’s pulled the plug in a panic after they were getting too smart. However, the truth is that for Facebook’s purposes the chatbots needed to sti...

Investdata Consulting Ltd will hold another edition of its mid-year comprehensive stock trading and investing seminar on Saturday, July 28, 2018 in at the Ostra Hall & Hotels, opposite the NNPC Gas Plant, Alausa, Ikeja, Lagos. At the seminar with the theme: Comprehensive Stock Trading & Investing Toolkit for Rest of 2018, our team of experts: Baba Ibrahim, CEO, Mainstreet Securities Ltd; Abdul-Rasheed Oshoma Momoh, Head, Capital Market/Trading, TRW Stockbrokers Ltd; Tunde Jeaniogbe CEO, Tradeline Dotbiz and Ambrose Omordion CRO Investdata Consulting Ltd, will review dynamics of the Nigerian economy, the stock market’s performance so far and the factors influencing the behavioral pattern. Participants will also learn strategies that will help minimized losses, protect capital and trade profitably, considering the low valuation that is system-induced and will fade away with time. The event will also review the geopolitical environment, which is far more important for a...

The Central Bank of Nigeria (CBN), on Tuesday concluded the two-day meeting of its Monetary Policy Committee (MPC) and besides the majority of members voting to once again retain the benchmark rates, two critical sectors- manufacturing and agriculture were singled out for friendlier credit terms. A major highpoint of the meeting was the argument seeking to promote increased bank lending to the real sector of the economy as a way of enhancing job-led economic growth as a way of consolidating economic recovery. While acknowledging the difficulty in encouraging job creation in an environment with deficit infrastructure, the committee members agreed on the need for companies operating within both sectors tagged “employment elastic sectors of the Nigerian economy,” to get bank credits at 9%, minimum tenor of seven years, with a two-year moratorium. Noting the need for the CBN to continue encouraging deposit money banks (DMBs) to increase the flow of credit to the real economy, th...

We don't receive wisdom, we discover it for ourselves after a journey that no one can take for us or spare us. Marcus Proust Who is really an expert? According to Wikipedia, An expert is someone who has a prolonged or intense experience through practice and education in a particular field. Informally, an expert is someone widely recognized as a reliable source of technique or skill. How often do you leverage on expert in the stock market. In addition to the above definition by Wikipedia Expert have gone through a lot of experiment and research that has consumed their time and money. So, are you willing to go through the same hurdle. However, 3 Reasons why you have to leverage on Stock Expert. *Reason #1: Constant Research*- for you to be an means you are researching on a daily basis to remain relevant and also have authority through results that have been produced overtime. *Reason #2: Conversion of Time*- expert will convert time because they have dedicated their ...

Market activities on stock market oscillate in four or five distinct phases namely the accumulation phase, the mark-up phase, the greed/late majority phase, the distribution phase and the mark-down/declining phase. Today, we shall be discussing the accumulation phase which is the first among all. Accumulation phase is a phase when the experienced traders and investors begin to buy having seen the market has bottomed or the worst is over. Meanwhile, the general market sentiment is still bearish and those who were long in their position feel disgusted or impatient holding the stocks by selling them. Prices flatten in this phase and for every seller throwing in the towel, someone is there to pick it up at a discount. Accumulation phase often falls into the end of a downtrend where ordinary investors believe that more bearishness is likely and their overall outlook is pessimistic. Eventually market sentiment begins to switch from negative to neutral thereby locking the pessimist...

NSEASI buy 3% sell 97% volume index 1.20 MFI 27.49 Access buy 0%  volume index 1.09 MFI 49.94 Aiico buy 33% sell 67% MFI 66.36 Ccnn buy 💯 MFI 86.33 Dangote Cement buy 💯 volume index 1.88 MFI 57.16 Dangote flour buy 💯 volume index 0.94 MFI 18.37 Dangote sugar buy 0% MFI 53.88 Diamond buy 0% volume index 1.44 MFI 48.32 Eterna buy 0% MFI 79.65 ETI buy 0% volume index 3.97 MFI 31.80 Fbnh buy 67% sell 33% volume index 2.26 MFI 48.48 Fcmb buy 0% volume index 1.47 MFI 7.28 Fidelity buy 0% volume index 0.72 MFI 35.81 Fmn buy 47% sell 53% volume index 1.11 MFI 39.78 GT buy 💯 volume index 0.82 MFI 73.39 Hmarkins buy 0% volume index 2.41 MFI 71.72 Hony flour buy 0% MFI 31.91 Nascon buy 0% volume index 3.69 MFI 24.89 Oando buy 0% volume index 1.24 MFI 33.62 Skye buy 50% sell 50% volume index 0.81 MFI 39.10 Stanbic buy 💯 volume index 1.54 MFI 37.47 Sterling buy 💯 MFI 94.16 Transcorp buy 0% volume index 2.92 MFI 43.36 Uacn buy 💯 MFI 28.78 Uba buy 17% sell 83%...

Caption: From left: Vice Chairman, Senate Committee on Capital Market, Sen. Foster Ogola; Vice Chairman Senate Committee on Lands and Transport, Sen Philip Aduda; Acting Director-General, Securities and Exchange Commission (SEC), Ms Mary Uduk; Deputy Chief Whip, House of Representatives, Rep Pally Iriase; and Chairman, House of Representatives committee on Capital Market and other institutions, Tajudeen Yusuf, during National Assembly 2nd Capital Market Stakeholders Forum, in Abuja on Monday Vice President Yemi Osinbajo, on Monday in Abuja, urged investors to take advantage of the Federal Government’s various incentives and improved business environment, with medium to long term capital in the form of bonds, equity and loans. Addressing participants at the 2nd Capital Market Stakeholders Forum organised by the National Assembly with the theme: Capital Market as a Catalyst for Growth and Development,” spoke of the need for stable long-term funds for the actualisation of the visi...

The National Bureau of Statistics (NBS), on Monday morning, released its Consumer Price Index (CPI) for the month of June, showing that inflation rate in Nigeria sustained its declining growth at 11.23% year-on-year, 0.37% points drop from 11.61% in the corresponding period of May, 2018. This, the report noted, represents the 17th consecutive month of disinflation since January 2017. Month-on-month, the headline index increased by 1.24% in June 2018, up by 0.15% points from the rate 1.09% recorded in May 2018. According to the NBS, “the percentage change in the average composite CPI for the twelve months period ending June 2018 over the average of the CPI for the previous twelve months period was 14.37%, showing 0.42% point lower from 14.79% recorded in May 2018.” Food inflation fell to 12.98% YoY, from13.45% in May; while MoM, it jumped to 1.57%, when compared to the 1.33% record in May, with the highest rates of increase seen in food items such as potatoes, yam and other tu...

The Only Security you will Ever Have... “The only real security you’ll ever have is your personal ability to produce.” Note what does NOT offer real security: Not your bank account. Not your job or job title. Not your title or position Real security depends on your ability to produce. So you need to guard that ability with all the feverous intensity you can muster. If you can’t, or won’t, put a fortress around the two things upon which productivity depends – your mind and your time – pretty much nothing else is going to matter. Sadly, for 99% of humanity real productivity is an ongoing exercise in futility or self-delusion. But it doesn’t have to be that way for YOU. Because you can have immediate access to the strategies, tools, and systems I’ve developed and used for over one and a half decades in stock business…. my personal “Comprehensive Toolbox Summit for the rest of 2018” for Stock Forecasting, Zero Risk, High Margins, financial autonomy, and wealth attrac...

Accrued expenses are expenses that are incurred, but for which payment has not been made, during a given accounting period. Accrued expenses are indicated on the balance sheet as a current (short term) liability, and are usually recorded in a journal entry, as well as offsetting liability. Without a journal entry, the expenses would not appear in the entity's financial statements in the period incurred which will result in high profit yield for the period. Expenses which are commonly accrued are interest on loans, wages,salaries,utility costs, services received and taxes all for which payments have not yet been made or their invoice have not yet been received. For example: A company borrowed 2 million naira on November 1st, the agreement requires that an interest of 3% be paid on this 2 million naira at the end of 3 months which will elapse by January 31, for a company whose financial year end is December 31. Going by this development it will be very impossible for this comp...

NSEASI buy 99% sell 1% volume index 0.73 MFI 27.40 Access buy 50% sell 50% MFI 44.71 Afrprud buy 💯 MFI 76.00 Aiico buy 0% MFI 63.89 CIleasing buy 88% sell 12% MFI 55.55 Custodian buy 💯 volume index 0.92 MFI 19.98 Dangote Cement buy 💯 volume index 2.25 MFI 76.42 Diamond buy 0% volume index 0.96 MFI 43.21 ETI buy 💯 MFI 45.41 Fbnh buy 💯 MFI 42.69 Fcmb buy 💯 volume index 1.20 MFI 32.33 Fidelity buy 0% MFI 44.07 FO buy 33% sell 67% volume index 1.16 MFI 59.44 GT buy 💯 MFI 75.26 Japaul buy 50% sell 50% MFI 45.68 Lasaco buy 💯 volume index 0.94 MFI 38.68 Nem buy 0% volume index 0.71 MFI 62.34 Oando buy 19% sell 81% volume index 0.89 MFI 49.50 Stanbic buy 67% sell 33% volume index 0.87 MFI 27.90 Sterling buy 💯 MFI 92.23 Transcorp buy 75% sell 25% volume index 1.13 MFI 52.59 Uacn buy 0% MFI 15.60 Uba buy 0% MFI 83.88 Ucap buy 💯 MFI 55.29 Wema buy 60% sell 40% MFI 46.57 Zenith buy 50% sell 50% MFI 21.41

Hello Investors, The, buy & sell signal for this week have been posted on the membership site for you. Pls click on the long link for this week download. Furthermore, you need to login on the membership site before you can have access to it. Kindly click on the below link now to login with your username and password  http://investdataonline.com/buy-sell-signal/ To Your Success Investdata Consulting. P.S. You need to act fast. You know time wait for now

NSEASI buy 24% sell 76% volume index 0.72 MFI 42.69 Access buy 💯 MFI 39.28  Afrprud buy 75% sell 25% volume index 0.85 MFI 87.67 Aiico buy 67% sell 33% MFI 42.43 Cadbury buy 0% MFI 7.93 Caverton buy 0% MFI 29.73 CCNN buy 💯 MFI 25.51 CIleasing buy 85% sell 15% MFI 66.75 Continsure buy 12% sell 88% volume index 1.60 MFI 31.46 Custodian buy 74% sell 26% volume index 1.59 MFI 31.56 Dangote Cement buy 💯 MFI 41.02 Dangote flour buy 0% MFI 24.87 Dangote sugar buy 10% volume index 0.80 MFI 57.11 Diamond buy 69% sell 31% MFI 42.97 Eterna buy 38% sell 62% volume index 2.10 MFI 74.33 ETI buy 87% sell 13% MFI 67.90 Fbnh buy 22% sell 78% MFI 41.51 Fcmb buy 0% MFI 91.80 Fidelity buy 24% sell 76% MFI 45.48 Fmn buy 70% sell 30% MFI 27.73 FO buy 💯 volume index 2.07 MFI 53.57 Glaxo buy 0% MFI 63.35 GT buy 45% sell 55% volume index 1.04 MFI 38.48 Hony flour buy 0% MFI 47.76 Jaiz buy 40% sell 60% MFI 46.06 Japaul buy 0% MFI 43.60 JBerger buy 0% volume index 1.87 MFI 6...

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Market Update for Week Ended July 20 and Outlook for July 23-27 The continued selloff on the Nigerian Stock Exchange continued for the third successive week in this second half of 2018, reflecting the continued cautious trading even at the peak of the Q2 earnings season which is being fueled substantially by uncertainties surrounding the 2019 general elections. The Q2 numbers released so far has been mixed with the figures released by the likes of Transnational Corporation of Nigeria, Ecobank Transnational Incorporated, Wema Bank and Unilever beating expectations. Others came below market estimates, as they were poor, even as they revealed the negative impact of the economic slowdown in the first half of 2018. We believe investors had significantly priced the various earnings expectation into trading decisions made in the period, leading up to the earnings season. This may have accounted for the somewhat muted impact on market performance as capital outflows and reversed the h...