Investment guides
No jargon, no hype, no tips. Just how this actually works, written for someone opening their first account.
Start here
What you actually own when you buy a share
Not a loan. Not a savings account. A slice of a company, with everything good and bad that comes with it.
Read 5 min readHow an IPO actually works, step by step
From offer document to the day the shares start trading — in the order it really happens.
Read 4 min readHow offer scams work, and how to not lose your money
Every big listing brings out people selling access to something they do not have.
Read 6 min readStock market basics: who does what, and where your money goes
Exchange, broker, custodian, registrar — the plumbing behind a single share purchase.
Read 6 min readProperty or shares: an honest comparison
Both build wealth. They behave nothing alike, and the differences are the point.
ReadNext step
Opening your first investment account in Nigeria
The CSCS account, the licensed broker, and the portal — what each one is for.
Read 5 min readHow much to put in, and what you do when it drops
The decision people get wrong is not which share. It is how much, and what they do next.
Read 5 min readIndex funds and ETFs: owning everything instead of picking
The lazy option that beats most people who try harder.
Read 4 min readDividends: getting paid for holding
Where the cash actually comes from, and why a huge yield is often a warning.
Read 5 min readBlack-owned banks and where community capital actually sits
Deposits, credit unions and listed community lenders — how money circulating locally works.
Read 5 min readOpening your first brokerage account in Canada or the US
Account types, fees and the tax-sheltered wrappers worth using first.
Read 5 min readHow to read a share price without being fooled by it
Why a ₦20 share can be expensive and a ₦2,000 share can be cheap.
Read 5 min readREITs: owning property without buying a building
Property exposure at share-sized amounts, with none of the tenants and none of the title risk.
Read 6 min readMortgage basics: what the lender is really deciding
Deposit, income, rates and the difference between what you can borrow and what you should.
ReadGo deeper
How to read an offer document without a finance degree
Six things to find in a 200-page prospectus, and what to do if you cannot find them.
Read 6 min readInvesting back home from the diaspora
Cross-border accounts, currency, tax and the paperwork nobody warns you about.
Read 4 min readCurrency risk, explained without the jargon
Why a share can rise 20 percent and still leave you poorer.
Read 7 min readThe math on your first rental property
Rent minus everything. Do this on paper before you fall in love with a building.
Read 6 min readBuying property back home from abroad
How to do it without being the story everyone tells as a warning.
ReadEducation, not advice
Swagga MONEY is journalism and education. SwaggaLIVE is not a broker, a dealer or a financial adviser, does not sell shares, does not take orders and does not receive commission on anything covered here. Confirm every figure and every channel against the official offer document, the exchange and your national regulator before you move money. Investing carries the risk of losing what you put in.
