Money Talks with CFA Society Nigeria

You Are Saving, But When Should You Start Investing? Oct 14, 2026 00:29:53 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

Why Climate Risk Matters to Investors and the Financial Sector Oct 8, 2026 00:21:20 You might think of climate change as an environmental issue, but its effects do not stop there. Flooding, extreme weather, changing regulations and the transition to a lower-carbon economy can affect businesses, investments and the wider financial system.That is why this year’s Investment Professionals Walk for Sustainability centres on Navigating Climate Risk, bringing together professionals from

Your Earning Power Is an Asset: How to Find More Opportunities to Earn Sep 25, 2026 00:27:36 You can budget carefully, save consistently, and invest wisely, but your ability to build wealth is still closely tied to your ability to earn.The skills you have, the problems you can solve, and your understanding of where demand exists can all affect how much you are able to earn. Sometimes the next opportunity is not about starting something completely new. It could mean developing a skill that

Dangote Refinery: All You Need To Know About IPOs Sep 24, 2026 00:29:10 An Initial Public Offering lets you buy into a business as it opens its ownership to the public. That opportunity can be exciting, especially when the company is one that millions of Nigerians already know. But a familiar name is not enough to make an investment decision.Before you buy, you need to understand why the company is going public, what you are paying for the shares, how the business mak

The Role of Insurance in Protecting Families and Growing the Economy Sep 9, 2026 00:29:51 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?

Can You Start Investing When You Are Barely Making Enough? Sep 4, 2026 00:26:22 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 immed

Your Money Keeps Changing: Inflation, Interest Rates and the Naira Aug 27, 2026 00:27:42 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 th

The Money Mistakes That Kill Small Businesses Aug 20, 2026 00:26:22 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

Where Should You Invest Your Money? Aug 6, 2026 00:28:12 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, you

What Is Changing in Nigeria’s Capital Market and What It Means for Your Money Jul 30, 2026 00:31:31 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

Waiting for the "Perfect Time" to Invest? Jul 23, 2026 00:28:08 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 rea

Money Does Not Come with Instructions. Neither Does Adulting. Jul 16, 2026 00:28:00 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

The Portfolio Management Challenge That Could Shape Your Career Jul 8, 2026 00:27:38 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, gai

How Fintech Is Changing the Way Nigerians Save, Spend, and Bank Jul 1, 2026 00:28:46 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 fintec

Can AI Make Us Rich? Jun 24, 2026 00:25:05 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

What Every Young Person Should Know About Money Jun 17, 2026 00:27:47 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

Before You Take That Loan, Watch This Jun 10, 2026 00:28:11 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 tr

Why Your Money Never Feels Enough Jun 3, 2026 00:28:35 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 pe

Why Regulation Protects Investors May 27, 2026 00:28:23 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 co

Your First Investment Is You: Build Stability Before You Build a Portfolio May 20, 2026 00:25:48 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 st

The Biggest Financial Mistakes Retail Investors Make May 6, 2026 00:26:45 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 th

Is It Safe to Invest Abroad? What Nigerians Need to Know Apr 25, 2026 00:27:18 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, Temilolu

Markets Falling? Here Is What Smart Investors Do Apr 15, 2026 00:29:22 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 ev

Big Returns or Big Regrets? The Truth About Risk in Investing Mar 26, 2026 00:28:51 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 rea

Are Nigerian Women Better Investors Than Men? Mar 23, 2026 00:28:45 Women are often described as disciplined, long-term investors, yet they tend to hold less wealth than men. In this episode, we speak with Maryam Kurfi, CFA, on this contrast and what it means in the Nigerian context.With over 15 years of experience across investment management, financial regulation, and development finance, Maryam shares insights into the investment behaviours commonly associated

Understanding Mutual Funds: A Beginner’s Guide to Pooled Investments Mar 5, 2026 00:27:09 Mutual funds are often recommended as a starting point for new investors, but many people are unsure how they actually work. In this episode, we speak with Peace, an investment banking professional with experience across asset management, financial advisory, and corporate finance, on the basics of mutual funds and why they are a popular entry point into investing.Drawing on her experience across m

Why Most People Want to Invest But Can’t Mar 4, 2026 00:25:19 Many people say they want to invest, yet very few take the first step. In this episode, we speak with Nonso, Head of Treasury & FX at a leading financial institution, on why the gap between intention and action remains so wide.With deep experience in liquidity management and capital markets, Nonso shares practical insights into the most common barriers preventing people from investing, from fe

Bigger Paycheck, Bigger Problems? Mar 2, 2026 00:28:41 A higher income should mean greater financial comfort, but for many people, it simply brings new pressures. In this episode, we speak with Chukwuka Edoziuno, CFA, on lifestyle inflation and why earning more does not always translate into building wealth.Drawing from his experience in corporate finance and capital markets, Chukwuka explains why spending often rises with income, the role of peer pre

Small Money, Big Growth — How Wealth Builds Over Time Feb 20, 2026 00:29:12 Wealth is often associated with large sums of money, but long-term growth is more about time and consistency than size. In this episode, we speak with Iteoluwakiishi Adesanya, CFA, on how small, regular investments can grow into meaningful wealth over time.With experience in treasury and investment analysis, Iteoluwakiishi explains the power of starting early, the role of consistency, and why rein

Money Conversations in Families| Breaking the Silence Around Finances Feb 12, 2026 00:28:08 Money remains one of the most sensitive topics in many homes. In this episode, we speak with Uchenna Iheanacho, CFA, on why families often avoid financial conversations and how breaking that silence can strengthen financial stability and relationships.Drawing from her experience in financial markets, Uchenna discusses the impact of culture and upbringing on money discussions, the risks of avoiding

Why Habits Matter More Than High Income Feb 10, 2026 00:29:35 Earning more money does not automatically lead to financial stability or wealth. In this episode, we speak with Oreofe Olamoyegun, CFA, on why delayed gratification and strong financial habits matter more than income when it comes to building long-term financial security.Oreofe draws from his experience in investment banking and financial advisory to explain what delayed gratification really means

The Role of Solicitors in the Capital Market Feb 9, 2026 00:28:42 Capital markets rely on more than investors and regulators; they also depend on strong legal frameworks and trusted advisors. In this episode, we speak with Simisola Eyisanmi, Partner at Duale, Ovia & Alex-Adedipe (DOA) and Chairman of the Capital Market Solicitors Association, on the critical role solicitors play in the investment and securities ecosystem.Simisola explains what it means to be

Investing in Yourself Feb 9, 2026 00:28:45 When most people think about investing, they think about financial assets. But some of the most valuable returns come from investing in yourself. In this episode, we speak with Sherifdeen Lamid, CFA, a finance professional at Africa Finance Corporation, on what self-investment really means and why it plays a critical role in long-term financial and personal success.Sherifdeen draws on his experien

How Your Risk Appetite and Age Should Inform Your Investment Choices Feb 9, 2026 00:29:22 Successful investing is about understanding yourself. In this episode, we speak with Oluwatosin Akinnibi, CFA, a deal advisor at a Big Four consulting firm, on how risk appetite and age should shape investment decisions at different stages of life.Oluwatosin explains what risk appetite really means, how both financial capacity and emotional comfort influence investment behaviour, and why these fac

ChatGPT and Your Wallet: Should You Trust AI for Financial Advice? Feb 6, 2026 00:27:40 Artificial intelligence is rapidly changing how people learn about money, investing, and personal finance. But how much trust should you really place in AI tools when it comes to financial decisions? In this episode, we speak with Aisha Haruna Kolo, CFA, on the growing role of AI in finance and what it means for everyday users.Drawing on her experience in project finance, corporate strategy, and r

Diversity, Equity & Inclusion in Finance Feb 2, 2026 00:28:31 Diversity, Equity, and Inclusion are no longer optional conversations in finance; they are essential to building stronger institutions and better investment outcomes. In this episode, we speak with Tosin Ojo, CFA, Partner at Sahel Capital Agribusiness Managers, about what DEI truly means in the finance and investment industry and why it matters, particularly in the Nigerian context.Drawing on over

2026 In Focus Jan 27, 2026 00:30:02 In this episode, we spoke with Razaq Ahmed, CFA, President of CFA Society Nigeria and CEO/Co-founder of Cowrywise.Razaq discusses how governance and advocacy guide the work of CFA Society Nigeria and shares a clear overview of the Society’s plans, including the establishment of an endowment fund, the continued growth of the CFA Institute Research Challenge, preparations for the West Africa Confere

How Economic Policies Affect the Stock Market and Your Investments Jan 26, 2026 00:29:41 Economic policies often feel distant and complex, but their impact on the stock market and everyday investments is very real. In this episode, we speak with Charles Chidubem Okonkwo, CFA, to unpack how government decisions shape market movements and investor outcomes.Charles explains how interest rate changes, government spending, taxation, and foreign exchange policies influence stock prices and

Building Financial Resilience in Uncertain Times Jan 26, 2026 00:26:51 Economic uncertainty can test even the best financial plans. In this episode, we sit down with Elizabeth Ayewoh, Group Financial Controller at Norrenberger Financial Group, to break down what financial resilience really means and why it matters now more than ever.Elizabeth draws from her experience as a CFA Charterholder and chartered accountant to explain how individuals and families can assess t

Financial Management Skills for Growing Your Business Aug 21, 2025 00:28:55 In this episode, Janice Dibia, CFA, breaks down essential financial management skills every entrepreneur needs to scale their business — from budgeting and cash flow to strategic planning and smart decision-making.

How to Build Wealth in Nigeria Aug 21, 2025 00:28:09 In this episode, Olabusayo Onikosi, CFA, shares actionable strategies for young professionals looking to build lasting wealth in Nigeria — from smart investing to career-driven financial planning.

Financial Red Flags and How to Spot Them Aug 7, 2025 00:29:37 In this episode, our guest Faithful T. Bob-Manuel, CFA explores key financial red flags from misleading offers to unsustainable debt, and shares practical tips on how to spot and avoid them.

How Central Banks Shape Your Investment Returns Aug 7, 2025 00:28:23 In this episode, our guest, Kaliba Bilala, CFA, explores how central banks influence interest rates, inflation, and investor confidence, and what that means for the value of your investments.

Using Credit as a Pillar for Building Wealth Jul 28, 2025 00:27:39 In this episode, our guest, Gbemisola Babafemi-Ojo, CFA, explores how credit, when leveraged wisely, can become a powerful tool for financial growth. From understanding credit scores to accessing strategic funding, discover how to turn borrowing into an asset on the path to wealth creation.

University Investment Club Jul 18, 2025 00:28:45 In this episode, Damilare Ojo, CFA, unpacks everything you need to know about the CFA Society Nigeria University Investment Club program. He covers its core benefits, key purposes, and highlights the progress achieved, offering a comprehensive look for aspiring finance professionals.

Presidential Unveiling & Policy Direction with Razaq Ahmed, CFA Apr 30, 2025 00:28:51 In this special episode of Money Talks, our newly sworn-in President, Razaq Ahmed, CFA, joins us. He shares insights on the current board's vision and mission, key policy directions, and what CFA Society Nigeria's members and stakeholders can expect in the months ahead. It’s a candid conversation about leadership, strategy, and the future.

Tapping into High-Growth Investments as an Everyday Investor Apr 16, 2025 00:26:13 High-growth investments aren’t just for the wealthy or well-connected. In this episode of Money Talks, Tokunbo Ishmael, CFA, shares how everyday investors can access and benefit from fast-growing sectors and emerging markets

How Payments Work in the Capital Market Mar 26, 2025 00:27:26 In this episode of Money Talks, Babangida Yahaya breaks down the payment processes, key players, and what investors need to know about transactions in the market. Whether you're a beginner or an experienced investor, this conversation will give you clarity on how funds flow in the financial system.

Protecting Financial Investments Mar 7, 2025 00:31:11 Investing is one thing—protecting your investments is another. In this episode of Money Talks, Ayokunle Olubunmi, CFA, shares key strategies for managing risk, avoiding losses, and securing long-term financial growth. Learn how to safeguard your money in any market condition.

Smart Borrowing: How to Make Bank Loans Work for You Mar 4, 2025 00:29:03 Loans can be a game-changer—or a financial trap. In this episode of Money Talk, Olufunmilayo Adepoju, CFA, shares how to borrow wisely, avoid common pitfalls, and make debt work for your financial goals. Whether it’s a personal loan, business financing, or a mortgage, learn how to use loans without regrets.

Encouraging Participation of Retail Investors in the Securities Markets Feb 18, 2025 00:28:58 In this episode, our guest, Sir Sam Onukwue, explores the critical role education and sensitisation plays in encouragement of participation of retail investors in securities market.

Estate Planning for Couples Feb 12, 2025 00:29:41 In this episode ofMoney Talks, we sit down withFakrogha, Charles Oyinmiebi, to break down estate planning in simple terms—why it matters, where to start, and how to ensure your assets are protected for the long haul.

Empowering Women to Build Wealth Feb 4, 2025 00:28:20 Financial independence isn’t just about making money—it’s about building lasting wealth and breaking barriers. In this episode of Money Talks, we sit down with Oler Oladele, CFA, to discuss women's unique financial challenges and strategies to overcome them.

Personal Financial Budgeting Jan 28, 2025 00:28:59 In this episode, we’re diving into the art of personal financial budgeting with David Enilolobo, CFA. Together, we explore how to take control of your finances, create a budget that works for your goals, and avoid common pitfalls along the way.

Governance and Advocacy Jan 24, 2025 00:29:08 In this episode, the President of CFA Society Nigeria, Ibukun Oyedeji, CFA discusses governance and advocacy.

Funding Strategies for Growing businesses & Corporates Jan 20, 2025 00:29:06 In this episode, our guest Oluebube Anele, discusses funding Strategies for growing businesses and corporate organisations.

Dispute Resolution in the Capital Markets Dec 10, 2024 00:29:09 In this episode, we explore how disputes in capital markets are identified and resolved with our guest, Fakrogha Charles Oyinmiebi.

Recovering Lost Shares II Dec 4, 2024 00:28:06 In Recovering Lost Shares 2, Ambrose Onyebuchi Udeaba shared invaluable insights on reclaiming forgotten investments.

Financial Literacy for Children Nov 29, 2024 00:28:08 In this episode, Ibeleye Paul-Otu joined us to share fun and practical tips for teaching kids about money. From saving to budgeting, we explored how to equip the next generation with essential financial skills.

Financial Inclusion: Overcoming Barriers Women Face in Investing Nov 20, 2024 00:28:16 In this episode, Adaku Ijara illuminates the unique challenges women face in achieving financial inclusion and entering the world of investing. Together, we explore practical steps to overcome these barriers and build a strong investment portfolio.

CFA Society Nigeria: Making Finance A Force For Good Nov 13, 2024 00:28:49 Our Executive Director, Yemi Ajagun, CFA discusses the initiatives and programs CFA Society Nigeria is undertaking to empower the next generation of financial professionals.

Understanding Transaction Taxes for MSME in Nigeria Nov 8, 2024 00:28:50 In this episode, Olanrewaju Azeez our gest, joins us to break down transaction taxes for MSMEs in Nigeria. From VAT to withholding tax, we cover what these taxes mean, how they impact small businesses, and practical tips to help you stay compliant and reduce tax burdens.

Navigating Financial Storms Oct 29, 2024 00:28:43 Our guest, Sulaimon Ishola, CFA discusses navigating financial storms, and protecting your wallet in tough times.

Recovering Lost Shares Oct 23, 2024 00:28:58 In this episode, our guest Ambrose Onyebuchi Udeaba discusses recovering lost shares.

Managing Quick Loans Wisely & Avoiding Debt Traps Oct 15, 2024 00:29:10 Our guest, Funaya Peters, CFA shares nuggets on managing quick loans and avoiding debt traps.

Financial Advisory Nuggets for the Elderly Oct 8, 2024 00:28:43 In this episode, our guest Olumuyiwa Adeyemi dishes out financial advisory nuggets for the elderly.

The Basics of Investing Oct 3, 2024 00:28:20 In this episode, our guest, Luqman Awari-Yusuf, CFA, ACS explores the basics of investing.

Capital Allocation for Retail Investors Sep 26, 2024 00:28:32 Our guest, Abiola Ahmed, CFA discusses capital allocation for Retail Investors - The right way to think about your money, Investments, and Credit.

The Role of Registrars In The Capital Market Sep 11, 2024 00:26:51 In this episode, our guest, Rotimi Aleshinloye explores the responsibilities, functions, and critical role registrars play in maintaining investor confidence.

Understanding Interest Rates: A Beginner's Guide Sep 11, 2024 00:27:39 In this episode, our guest, Hannah Agbai, CFA breaks down the complex concept of interest rates into simple, understandable terms.

Promoting Financial Inclusion Aug 28, 2024 00:29:28 In this episode, we chat with Kingsley Aigbe, CFA, about the importance of financial inclusion. Kingsley shares insights on bringing more people into the economic system, the challenges faced, and the innovative solutions making a difference.

The Basics of Buying & Selling Securities Aug 20, 2024 00:27:26 In this episode, Seyi Oshibolu, CFA, explains the basics of buying and selling securities, covering essential concepts to help you make informed investment decisions.

CFA Institute Aug 20, 2024 00:27:31 In this episode, Banji Fehintola, CFA—former President of CFA Society Nigeria and current board member of the CFA Institute—delves into the various offerings, initiatives, and enduring value that the CFA Institute brings to the global finance community.

Dispute Resolution & Protection Mechanisms for Bank Customers Aug 20, 2024 00:27:07 Our guest, Musa Bagudu, CFA discusses procedures for dispute resolution.

Dispute Resolution & Protection Mechanisms for Bank Customers Jul 31, 2024 00:28:12 In this episode, our guest, Musa Bagudu, CFA, covers how bank customers can resolve disputes and protect their financial interests through complaint processes and consumer protection measures.

Why Investment Matters to Women Jul 23, 2024 00:28:10 Our guest, Odiri Oginni, CFA discusses the importance of investment to women.

Cooperative Societies as Financial Inclusion Vehicles Jul 17, 2024 00:30:00 In this episode, our guest Dr. Ogunmuyiwa Sulaimon discusses the role of cooperative societies for financial inclusion.

Investing! A Great Way to Grow Wealth Over Time Jul 10, 2024 00:27:46 Our guest, Babajide Fadahunsi, CFA explores growing wealth via investment over time.

Putting Investment Eggs in More than One Basket Jul 8, 2024 00:28:16 Our guest, Ayokunle Ojo, CFA discusses diversifying income and investment.

Personal Asset and Liability Management Jun 25, 2024 00:29:02 Join us with David Enilolobo, CFA, to explore key strategies for managing your assets and liabilities. Gain expert insights on investment, debt reduction, and financial planning in this concise, informative episode!

Episodes

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