Money Talks is an initiative by CFA Society Nigeria, dedicated to enhancing financial literacy among individuals less acquainted with personal finance. Our mission involves imparting fundamental financial education to citizens, fostering a comprehensive understanding of the financial industry and effective money management.
You check your investment portfolio and notice that the value has dropped. Suddenly, you wonder whether to sell before you lose more money. Then, when the market starts rising, the fear of missing out makes you consider buying more. How do you know when to act and when to leave your investments alone?
Markets rise and fall for different reasons, and reacting to every movement can make it harder to stay focused on your financial goals. Selling when prices drop or buying when everyone seems optimistic can have consequences, especially when you do not fully understand what is driving the market or how your investments fit into your long-term plans.
So, what should you do when the market turns against you? How can you tell whether an investment is worth holding or whether it is time to sell? And is waiting for the market to become stable really the safest way to invest?
Eno Atoyebi, CFA, Managing Director of ValuAlliance Asset Management, brings over 20 years of investment management experience to Money Talks to help you think more clearly about market movements and the decisions that follow.
If market volatility has ever made you question your investment decisions, this episode will help you approach those moments with a clearer head.
19 Oct 2026
What Really Happens to Your Money After You Invest It?
You transfer money into an investment account, get confirmation, and wait for your returns. But have you ever wondered what actually happens to your money after you invest it?
Who decides where it goes? What does an asset manager do with it? And where do the returns you eventually receive come from? Understanding what happens behind the scenes can help you make better investment decisions, ask the right questions, and know what to expect from the people managing your money.
Whether your money is invested in a money market fund, fixed-income securities, or equities, it is important to understand how the investment works, the risks involved, the fees you pay, and the information your asset manager should provide. After all, an attractive return means little if you do not understand what you are investing in or what could put your capital at risk.
Mrs Nkoli Edoka, Vice President at Cowry Asset Management, brings over 15 years of experience in the capital markets and investment industry to this conversation about what happens to your money once it leaves your account and goes to work.
If you invest through an asset management company, or are considering it for the first time, understanding what happens to your money is a good place to start.
14 Oct 2026
You Are Saving, But When Should You Start Investing?
You have been saving consistently, watching your money grow little by little, and doing what you were told was the right thing with your finances. But at what point should saving become investing?
Keeping money aside is important, but money sitting in savings and money invested for a specific goal serve different purposes. Knowing when to make that transition, how much you can afford to invest, and where to put your money can feel overwhelming, especially when you are investing for the first time.
Should you start with a money market fund or government securities? When does it make sense to consider stocks? How should the goal you are saving for and the amount of time you have affect your decision? And can you build a diversified portfolio even if you are starting with a small amount?
Doyinsola Toye, Chartered Accountant, personal finance educator, and founder of Wealthtiv, joins Money Talks to help you think through the move from simply saving money to investing it intentionally.
If you have been saving but keep telling yourself, “I will start investing later,” this might be the conversation you need.
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