Money Talks with CFA Society Nigeria

Епизоде

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  The Role of Insurance in Protecting Families and Growing the Economy 09.09.2026 29мин

  People often think about insurance only after a loss has already happened. But its real value lies in preparing for the financial risks you cannot always predict, from illness and accidents to the loss of income, property damage, and other events that can put a household under serious financial pressure.How do you decide what is worth insuring when money is already tight? How much cover is enough? And beyond protecting individuals and families, how does the money paid into insurance support investment, infrastructure and economic growth?Oyelami Adekola, Director of Policy and Public Affairs at EnterpriseNGR, joins Money Talks to unpack the role insurance can play in protecting the wealth we work so hard to build and strengthening financial resilience across Nigeria.If you have ever wondered whether insurance is really necessary, this is a conversation worth having.
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  Can You Start Investing When You Are Barely Making Enough? 04.09.2026 26мин

  You want to invest, but your salary is already spoken for before it even arrives.Rent. Food. Transport. Bills. Family. Debt. By the time everything is covered, there may be very little left to put away, so investing keeps getting pushed to the next salary increase.But what if waiting to earn more is keeping you from starting altogether?Starting with a small income does not mean ignoring your immediate needs or putting your last naira into an investment. It means knowing what to prioritise, where to start, and how to build the financial room to invest over time.How much should you save before investing? Can ₦5,000 or ₦10,000 a month really grow into something meaningful? And when money is tight, how do you avoid falling for investments promising unrealistic returns?Dr. Seyi Abiodun, wealth advisor and founder of Fundora HQ, joins us for a practical conversation about starting your investment journey when your income is not quite where you want it to be.If “I will start investing when I earn more” has been your excuse, this one is for you.
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  Your Money Keeps Changing: Inflation, Interest Rates and the Naira 27.08.2026 27мин

  You earn the same naira, but somehow it buys less. Your savings earn interest, but prices are still moving faster. Then the exchange rate changes and suddenly the cost of everyday things feels different again.These things may seem like separate economic stories, but they are closely connected, and all affect what happens to your money.In this episode, we break down inflation, interest rates and the exchange rate in simple terms and connect them to the decisions Nigerians make every day. What happens to your savings when inflation rises? When does a high interest rate work in your favour, and when does it make borrowing more expensive? And why should you care about the naira-dollar exchange rate even if you earn and spend only in naira?We also look at how these forces interact and what they mean when you are deciding whether to save, borrow, spend or invest.
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  The Money Mistakes That Kill Small Businesses 20.08.2026 26мин

  A business can have customers, make sales, and still be running out of money.Sometimes, the problem is not one big financial decision. It is the small things that happen repeatedly: using business money for personal expenses, paying yourself whenever you need cash, losing track of what is coming in and going out, or spending on growth before the business can support it.For a small business, these decisions add up quickly. Knowing your numbers, managing cash flow, separating personal and business finances, and deciding what deserves your money first can be the difference between growing and struggling.In this episode, Evelyn Castle, CEO and Co-Founder of EHA Impact Ventures, brings her experience as a founder and impact investor to a conversation about the financial habits that can quietly put a small business at risk.If you run a business, are building one, or plan to start one, this is a conversation worth having before a small money mistake becomes a big business problem.
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  Where Should You Invest Your Money? 06.08.2026 28мин

  Everyone wants to make their money grow, but knowing where to invest is often the hardest part.Should you buy stocks? Are mutual funds a better place to start? Is real estate always worth the money? And how do you know an investment is right for you, not just popular with everyone else?Choosing an investment is about more than chasing returns. It starts with understanding your financial goals, your income, how much risk you can comfortably take, and when you will need your money.In this episode, we unpack the investment options available to Nigerians and the questions every investor should ask before committing their money. Whether you are investing for the first time, building wealth over the long term, or simply trying to avoid costly mistakes, knowing how to choose the right investment can make all the difference.
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  What Is Changing in Nigeria’s Capital Market and What It Means for Your Money 30.07.2026 31мин

  The Nigerian capital market is changing, but what do these reforms actually mean if you are an investor?From faster trade settlement to changes designed to improve market efficiency, the reforms underway are reshaping how investors participate in the market. For the everyday investor, these changes can affect how quickly transactions are completed, how easily opportunities can be accessed, and how confidently people can participate in the capital market.This episode takes a closer look at the Nigerian capital market reforms changing the investment landscape. We unpack what market reforms really mean, what the move to a T+1 settlement cycle means for investors, and how these changes could create new opportunities for retail and first-time investors.But the bigger question is what these reforms mean beyond the stock market. How can a stronger capital market support Nigerian businesses, attract investment, and contribute to economic growth?
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  Waiting for the "Perfect Time" to Invest? 23.07.2026 28мин

  The economy feels uncertain. Prices keep rising. Headlines are unpredictable. So, should you wait for "better times" before you start investing?In this episode of Money Talks, investment professional and CFA Charterholder Sodiq Safiriyu challenges one of the biggest myths in personal finance—that successful investing begins when everything feels stable. Through practical insights and real-world examples, he explores why uncertainty is part of every investment journey, how market downturns can create opportunities, and why staying invested often beats trying to predict the perfect moment.
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  Money Does Not Come with Instructions. Neither Does Adulting. 16.07.2026 28мин

  Most people spend years learning how to earn a living, but very little time learning how to manage the money they earn.That is why financial mistakes are so common. Saving feels difficult, wealth seems out of reach, and many people continue to live from one paycheck to the next, regardless of how much they earn.This episode explores the money lessons many people wish they had learned earlier. From building the habit of saving to understanding why financial literacy is a skill developed through practice, the conversation looks at the everyday decisions that shape long-term financial outcomes. It also examines why income alone is rarely enough to build wealth and why every family should think about creating a financial legacy for the next generation.
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  The Portfolio Management Challenge That Could Shape Your Career 08.07.2026 27мин

  Every great investment professional starts somewhere. For many, that journey begins with the opportunity to apply knowledge, make real decisions, and learn by doing.The CFA Society Nigeria Portfolio Management Challenge was created to give aspiring investment professionals exactly that. More than a competition, it is a platform for participants to develop practical portfolio management skills, gain exposure to real-world investment thinking, and prepare for careers in the capital markets.This episode explores why the challenge was introduced, the gap it seeks to fill in Nigeria's investment education landscape, and how it supports CFA Society Nigeria's mission of promoting investment excellence. We also break down how the competition works, who can participate, what to expect throughout the challenge, and the partners helping to bring the initiative to life.
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  How Fintech Is Changing the Way Nigerians Save, Spend, and Bank 01.07.2026 28мин

  Banking has changed dramatically in just a few years. Opening an account, sending money, paying bills, and even saving for future goals can now happen in minutes, all from a mobile phone.As digital banks and fintech platforms become part of everyday life, convenience has never been greater. But so have the questions. How safe are these platforms? What should users look for before trusting a fintech app with their money? And how can they protect themselves from the growing number of digital banking scams?This episode explores how technology is reshaping financial services in Nigeria, the differences between digital banks and traditional banks, and what every consumer should know before making the switch. It also examines how fintech is changing saving habits and expanding access to financial services for millions of Nigerians.
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  Can AI Make Us Rich? 24.06.2026 25мин

  Every few weeks, there seems to be a new story about someone making money with AI. A side hustle takes off. A business scales faster. A new tool promises to automate work and unlock income opportunities.The excitement is real. So is the confusion.Some people see AI as the biggest wealth-creation opportunity of our time. Others see a wave of exaggerated claims, questionable investment schemes, and unrealistic expectations. The challenge is knowing the difference.This episode explores where AI is genuinely creating value, how it is changing the way people work and earn, and whether the technology is making people richer or simply making them more productive. It also looks at how AI can support better decision-making, the risks of blindly following trends, and the warning signs that separate legitimate opportunities from expensive mistakes.
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  What Every Young Person Should Know About Money 17.06.2026 27мин

  Good money habits are not built when you start earning big. They are built long before that.Many young people want financial freedom, but struggle with budgeting, saving, and managing the pressure to keep up with what they see online. The result is a cycle of spending decisions that can delay important financial goals.This episode explores the habits that shape a strong financial foundation. From creating a simple budget and building a savings culture to resisting social pressure and developing financial discipline, the conversation focuses on practical actions that young people can start taking today.
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  Before You Take That Loan, Watch This 10.06.2026 28мин

  Taking a loan can solve a short-term problem, but the wrong borrowing decision can create a much bigger one.From personal loans and credit facilities to digital lending apps, borrowing has become easier than ever. So, many consumers focus on how much they can access, not what it will ultimately cost them.This episode explores what every borrower should know before taking on debt. We look at the true cost of borrowing, the fees that often go unnoticed, and the questions consumers should ask before signing any loan agreement. The conversation also examines the rise of digital lending platforms, common borrowing mistakes, and how poor debt decisions can affect future financial opportunities.
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  Why Your Money Never Feels Enough 03.06.2026 28мин

  You are earning more, but it still feels like you are falling behind.That is the reality for many people in today’s economy, where rising prices quietly eat into income and make financial progress harder to see.In this episode, Funmilayo Ige, CFA, broke down why inflation makes people feel financially stuck even when their salaries increase, and the common mistakes that make things worse during periods of economic pressure. We also explore how to tell whether your money is actually growing, or just losing value more slowly than before.More importantly, the conversation focuses on practical steps to rebuild stability, avoid emotional financial decisions, and recognize when a strategy is no longer working in the current economy.
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  Why Regulation Protects Investors 27.05.2026 28мин

  Compliance sits at the centre of modern finance.Every investment operates within rules that guide how firms behave and how investors are protected. Knowing how regulation works helps investors understand accountability, risk oversight, and market discipline.This episode examines the role of compliance inside investment firms, the relationship between institutions and regulators, and why ethical conduct matters for market confidence. It also looks at how cross-border regulation affects firms operating across multiple jurisdictions and what this means for investors today.
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  Your First Investment Is You: Build Stability Before You Build a Portfolio 20.05.2026 25мин

  Before stocks, crypto, or market strategies, there is one investment most early-career professionals overlook. That is themselves.Many young earners rush into investing without financial stability, no emergency fund, inconsistent income, and little protection against unexpected life events. The result is stress, forced withdrawals, and abandoned investment plans.This episode focuses on the real starting point of wealth building: financial stability and earning power.
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  The Biggest Financial Mistakes Retail Investors Make 06.05.2026 26мин

  Many retail investors enter the market with good intentions but little strategy. The result is often avoidable losses, emotional decision-making, and missed opportunities.In this episode, Olaide Olakunle Ogundeyi, CFA, Corporate Finance and Investment Banking expert, breaks down the most common financial mistakes individuals make when seeking investment opportunities and how investors can avoid them.From defining clear financial goals to understanding risk tolerance, conducting proper due diligence, and knowing when to seek professional advice, this conversation offers practical guidance for anyone looking to invest smarter and protect their wealth.Whether you are just starting your investment journey or looking to improve your decision-making as an investor, this episode provides insights to help you move from speculation to strategy.
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  Is It Safe to Invest Abroad? What Nigerians Need to Know 25.04.2026 27мин

  As more Nigerians look beyond local markets for opportunities, global investing has become an important conversation for wealth preservation and long-term growth. In this episode, we speak with Temiloluwa Babatunde, CFA, on how Nigerians can approach international investing safely and strategically.Drawing from his experience in investment banking, financial advisory, and private markets, Temiloluwa explains what global investing really means, why diversification across borders matters, and how everyday investors can access international opportunities. He also discusses key risks to watch for, practical entry points into foreign markets, and how Nigerians can position their portfolios for resilience in today’s economic environment.
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  Markets Falling? Here Is What Smart Investors Do 15.04.2026 29мин

  Market uncertainty can trigger fear, emotional decisions, and costly investment mistakes. In this episode, we speak with Akinkolade, a finance and accounting professional and CFA Charterholder, on how investors can remain calm and strategic when markets become volatile.Drawing from his experience in financial control and operational finance, Akinkolade explains what uncertainty really means for everyday investors, why panic often drives poor decisions, and how disciplined portfolio management helps investors stay focused on long-term goals. He also shares practical strategies for navigating volatility, maintaining diversification, and making thoughtful decisions during unstable market conditions.
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  Big Returns or Big Regrets? The Truth About Risk in Investing 26.03.2026 28мин

  High returns often attract investors, but understanding risk is what truly determines long-term success. In this episode, we speak with Oladimeji Adekola, CFA, on the realities of risk in investing and how individuals can make more informed financial decisions.Drawing from his experience in private market investments, investment advisory, and structured finance, Oladimeji breaks down what risk really means, why it is closely linked to return, and why many investors overlook it when chasing performance. He also explains the different types of investment risks, the role of diversification, and practical ways investors can assess their personal risk tolerance.