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The i-invest app allows you to pay for utilities like Never run out of airtime or internet data with i-invest. You can buy airtime with ease on the i-invest app, just make sure you have updated your BVN App and you can pay with your wallet.

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Bill Payments

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The i-invest app allows you to pay for utilities like electricity and cable bills without any stress, you can simply fill in your details on the app, link your card and pay for the service without any stress. Stay connected with i-invest.

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Before You Sell Your Stocks

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Warren Buffet, regarded as one of the world’s most influential investor, once said, “If you aren’t thinking about owning a stock for ten years, don’t even think about owning it for ten minutes.” While this might seem like an extreme recommendation, many financial experts have asserted that the goal for stock investments should be to hold them for as long as possible.

The possibility of making money from stocks is hinged on two factors: buying at the right time and selling at the right time. For profit, it is important to execute both decisions correctly. Compared to selling, which is a difficult decision to make, buying of stocks is relatively easy.

The reason for this is because, if investor sell too early and the stock goes higher, they risk making inadequate profit. If they sell too late and the stock plunges, they miss out on opportunities to make more profit.

Why You Shouldn’t Sell Your Stocks.

Market downturns are great buying opportunities. On days when the stock market takes a beating, rather than mope about the loss, investors are encouraged to focus on what they could be buying. A market plunge or creates room for stocks to become cheaper.

The market is resilient. In the words of Tenpao Lee, a professor of economics at Niagara University, “In the short term, the stock market could fluctuate up and down, but in the long term, the stock market will always move up.”

When To Sell

When deciding to sell your stock, it is important to weigh the decision within two lenses: the intrinsic and extrinsic reasons. Intrinsic reasons are reasons that are related to the stock itself and/or the markets while the extrinsic reasons are related to the investor’s finances or lifestyle. Sometimes, however, the decision to sell may be triggered by a combination of the two factors.

Intrinsic Reasons

When a stock reaches your price target. Once a stock reaches a level that an investor had projected as their point to sell, then it is advisable to consider selling part, or all their position.

When a stock trades at a technical inflection point. When a stock trades near, and then breaks below a multiyear low, it often means additional losses in the horizon. In this case, it is encouraged to sell the stock as soon as the technical level is breached.

When a company’s fundamentals deteriorate. It is possible for a stock’s fundamentals to deteriorate for any number of reasons like slow earnings or revenue growth, increased competition, or reduction in valuation. In such cases, because it is difficult for the investor to determine whether the deterioration is temporary or permanent, it is advisable to sell and exit the position first, before re-evaluation.

Extrinsic Reasons to Sell

Financial reasons. One justifiable reason for an investor to sell their stocks is if they need cash to for a competing investment, such as real estate. Additionally, an investor might wish to sell a stock to book a loss for tax purposes. These financial reasons are potent ones to justify selling a stock.

Lifestyle reasons. Lifestyle changes also provide good reasons to sell a stock. For instance, a younger investor might sell part of or all their portfolio to put a down payment on a house, while parent investors may also sell stocks to finance their children’s education.


i-invest offers an array of safe and secure investment options for buying stocks, Equities, Eurobonds, among others. Click here to find out more.

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Between Growth & Value Investing

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In many financial circles, investing is divided into two styles: value and growth. For growth investors, the goal is to invest in companies that offer strong earnings increase. Value investors, on the other hand, invest in stocks that are undervalued in the marketplace. Worthy of note, however, is the fact that, these two investment styles complement each other, and investing in them helps to diversify your portfolio.

Value Investing

Value investors buy stocks that are under-priced, perhaps due to a media management crisis, or product malfunction, either within a specific industry or the broader market, betting on the price to rebound due to a predicted change in the company’s image.

These stocks have low price-to-earnings ratios (a company valuation metric) and high dividend yields (what a company pays in dividends relative to its share price).

Growth Investing

Growth investors invest in companies that have recorded recent better-than-average rise in earnings and are expected to continue delivering high levels of profit increase. Although, this is not guaranteed, which makes it a risky type of investment.

Principles of Value Investing

Invest in Businesses, Not Stocks. Investors must ignore new trends in stock prices and other market speculations. Instead, they should look at the fundamentals of the company that the stock represents.

Only Invest in Companies You Understand. As an investor, it is not advisable to invest in companies you do not have adequate information about.

Love the Business You Buy Into. More than being a source of expected earnings, investors shouldn’t pick a stock based on surface market research. It is important to love the business you are buying into, fully understand its values and directions. These details also help in deciding on stocks to buy.

Do Not Worry About Diversification. Should a value investor be willing to invest more capital, the aim should not be diversity, but finding investment plans that are better than the ones they already own.

Most Times Ignore the Market. Value investors must approach buying stocks like buying businesses, so that they can hold on to them for as long as the companies’ fundamentals are strong.

What To Know Before Investing

Understand the Company’s Earnings. For growth investors in stocks, it is important to understand a company’s net and historical earnings because it can provide insight on the chances of the company generating higher future earnings.

The Price-to-Earnings Ratio. This is important for growth investors who are trying to compare companies that operate in the same industry. The higher the P/E ratio, the greater the risk investors are willing to take on a company because of its expected earnings and growth.

The Price-to-Book Ratio. It is advisable for growth investors to compare a company’s book value to its market value because this comparison can indicate whether a stock is undervalued or overvalued.

High-Risk Growth Investments. Investing in high-risk growth or speculative investment is not advisable for investors with a low risk threshold. It is best suited for investors who are looking for maximum profits within a relatively short time frame and have enough investment capital to sustain them during possible periods of dips.


For more information about safe and secure investment options, click here.

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What is an equity

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What are Equities?

An equity investment is money that is invested in a company by purchasing shares of that company in the stock market. These shares are typically traded on the stock exchange. The equities product on the i-invest app allows you to buy and sell shares in publicly listed companies on the Nigerian stock exchange directly from your phone.

What you should know

  1. Orders placed for shares are filled based on market availability and are matched at the prevailing market price as at the time of the order.
  2. Dividends earned from shareholdings are determined by the company and will be paid into the investor’s registered bank account.
  3. The Nigerian Stock Exchange trading hours are between 10am and 2:30pm.
  4. The i-invest equities service is provided by PSL Capital Limited. PSL Capital is a registered member of the Nigerian Stock Exchange.

Why should you consider Equities?

Equity investors purchase shares of a company with the expectation that they’ll rise in value in the form of capital gains, and/or generate capital dividends. If an equity investment rises in value, the investor would receive the monetary difference if they sold their shares, or if the company’s assets are liquidated and all its obligations are met. Equities can strengthen a portfolio’s asset allocation by adding diversification.

Logos of different companies with paper planes on a flat surface

Potential benefits of Equity Investments

  1. The main benefit from an equity investment is the possibility to increase the value of the principal amount invested. This comes in the form of capital gains and dividends.
  2. Investors may also be able to increase investment through rights shares, should a company wish to raise additional capital in equity markets.

How do I buy a slice of my favourite company?

  1. Download the i-invest app on the App Store or Google Play Store. 
  2. Register with your BVN, phone number and a valid email address.
  3. Provide a passport photograph, recent utility bill and a valid means of identification for KYC upload.
  4. Once KYC is updated, a trading account will be opened for you.
  5. Fund your wallet via debit card or internet banking.
  6. Click on Invest on the app and select ‘Equities’.
  7. Select a stock from the list of stocks displayed.
  8. Enter the volume of stock you would like to purchase.
  9. Click ‘Proceed’, a transaction summary page will be displayed for review. To proceed, click ‘Complete purchase’ to conclude your purchase.
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