The Make, Multiply, Manage System

What you'll be able to do

• Open and activate a CSCS account and a brokerage account to legally buy and sell Nigerian stocks
• Build a diversified Nigerian stock portfolio by independently researching and selecting stocks using a clear screening checklist
• Confidently evaluate and apply for an IPO (using the Dangote Refinery IPO as a live case study) without missing deadlines or overpaying
• Invest in Treasury Bills on Bamboo and Mutual Funds on Cowrywise step-by-step, matching each product to a specific financial goal
• Create a personal Make-Multiply-Manage financial plan that allocates income across new earning streams, investments, and money management systems
• Track, protect, and review your portfolio monthly using a repeatable system instead of reacting emotionally to market news

What's inside

8 modules, in order, from the first step to the finished result.

• 01

  The Make, Multiply, Manage Framework: Your Financial Foundation

  An orientation to Femi's 3-pillar system and a diagnostic exercise to find out which pillar is currently holding back your financial progress.

  The difference between making, multiplying, and managing moneyWhy most people fail by skipping straight to investingIdentifying your current financial stageSetting a 12-month Make-Multiply-Manage goal
• 02

  MAKE: Building and Increasing Your Income Streams

  Covers practical ways to increase your active income so you have capital to invest, laying the groundwork before moving into the Multiply pillar.

  Auditing your current income sourcesNegotiating pay and rate increasesIdentifying skills you can monetize immediatelySetting a monthly 'investable surplus' target
• 03

  Getting Investment-Ready: CSCS Accounts and Brokerage Setup

  A step-by-step walkthrough of opening a CSCS account and choosing a broker so you're legally and technically ready to invest in the Nigerian stock market.

  What a CSCS account is and why you need oneChoosing between stockbrokers and investment appsRequired documents and common application errorsLinking your CSCS account to a trading platform
• 04

  MULTIPLY: Investing in Nigerian Stocks

  How to research, screen and select Nigerian stocks to buy, and build a watchlist you review every month.

  Reading basic financial statements before buying a stockSector analysis for the Nigerian marketDividend vs growth stock selectionPosition sizing and diversification
• 05

  MULTIPLY: Evaluating and Applying for IPOs (Dangote Refinery Case Study)

  A full walkthrough of how to evaluate whether an IPO is worth investing in and how to apply, using the Dangote Refinery IPO as a real, recent example.

  How an IPO works and how shares are pricedEvaluating a company's prospectus before committing moneyStep-by-step application via Cowrywise and BambooCommon mistakes that cause failed IPO applications
• 06

  MULTIPLY: Treasury Bills on Bamboo

  How to invest in Treasury Bills using the Bamboo app for low-risk, predictable returns as part of a balanced portfolio.

  What Treasury Bills are and how returns are calculatedSetting up and funding a Bamboo accountChoosing tenure based on your financial goalsComparing T-bill yields over time
• 07

  MULTIPLY: Mutual Funds on Cowrywise

  A step-by-step guide to investing in mutual funds through Cowrywise, including how to pick the right fund type for your risk tolerance and goals.

  Money market vs fixed income vs equity mutual fundsSetting up automated recurring investmentsMatching fund choice to short vs long-term goalsUnderstanding fund fact sheets and fees
• 08

  MANAGE: Protecting, Tracking, and Reviewing Your Wealth

  Closes the loop with a simple system for tracking net worth, protecting your investments and running a monthly financial review.

  Building and sizing an emergency fundTracking net worth across stocks, T-bills, and mutual fundsProtecting yourself from scams and fake investment platformsRebalancing your portfolio across the three pillars