SholzCorner

💰 LET’S TALK ABOUT DIVIDENDS! — PART 1

If you own shares in a company, you’ve probably heard the word “dividend” before.
But what exactly does it mean?

Think of it this way: when a company makes a profit, it can decide to share part of that profit with its shareholders. That payment is called a dividend.
But here’s something important: not every company pays dividends.
Some companies may decide to keep their profits and use the money to grow the business, expand, invest in new projects or meet other business needs.

So, buying shares does not automatically mean you will receive dividends.
Now, when a company does pay dividends, you may hear about interim and final dividends.

Let’s start with INTERIM DIVIDEND. 👇

An interim dividend is a dividend paid during the company’s financial year, before the year has ended.
For example, if a company’s financial year ends in December, it may declare an interim dividend after releasing its half-year results.
And here’s something you have to know: some companies pay interim dividends more than once in a year.

So, you could see a company declare an interim dividend at one point in the year and another one later, depending on its performance and dividend policy.
In simple terms:
👉🏽 Interim dividend = dividend paid during the financial year.

But what about FINAL DIVIDEND? 🤔
That’s what we’ll talk about in Part 2.
Keep learning, keep investing, and keep building wealth. 🤍📈

👇🏽 Watch one of my recent videos:
https://www.youtube.com/watch?v=10VhW...

3 days ago | [YT] | 11

SholzCorner

I’m now authorized to deal on the Nigerian Exchange (NGX).
And standing on the floor of the Nigerian Exchange for my induction made the moment feel even more real.

The capital market has been a big part of my professional journey, and today feels like another meaningful step forward.

Looking back, I realize that none of these steps happened overnight.
There were courses to take.
Things to learn.
Long days.
And plenty of moments of simply figuring things out along the way.
But somehow, one step kept leading to another.

So today, I’m taking a moment to appreciate this one.
Not just because of the qualification, but because of what it represents.

This is Sholz.
Economist | Investment Analyst | Chartered Stockbroker | Authorized Dealer on the Nigerian Exchange

If you’re interested in money, investing and understanding the Nigerian capital market, you’re in the right place.

Subscribe to my YouTube channel.
👇🏽 Watch one of my recent videos:
https://www.youtube.com/watch?v=10VhW...

#Sholz

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1 week ago | [YT] | 36

SholzCorner

1 month ago | [YT] | 21

SholzCorner

Your salary is not your wealth.

You can earn ₦500k every month and still be broke.
You can earn ₦2m every month and still be broke.

Your income tells us how much money comes in.
Wealth tells us how much stays, grows and works for you.

The goal isn't just to earn more.
Earn. Keep. Invest. Grow.

That's the game.

- Sholz

https://www.youtube.com/watch?v=oHGx7...

1 month ago | [YT] | 27

SholzCorner

An investment can be profitable and still be the wrong investment for you.

Let me explain. 👇🏽
Imagine you have ₦500,000 set aside for your child’s school fees, which you’ll need in 3 months.

You find an investment offering an attractive return and think, “Why not put the money there and make some extra cash?”

But there’s a problem.
What if the investment is locked in for 6 months?
What if withdrawing early comes with a penalty?
Or what if the investment’s value can fall and you’re forced to sell at a loss when you need the money?

The investment itself may be a good investment.
But it may be a bad fit for your financial goal.
This is why, before investing, don’t ask only:
“How much will I make?”

Also ask:
✅ When will I need this money?
✅ Can I access it when I need it?
✅ What level of risk am I comfortable taking?
✅ Does this investment match my financial goal?

Think about it this way:
A good investment + the wrong timeline = a bad financial decision.

The goal isn't always to find the investment with the highest return.
The goal is to find an investment whose risk, return, liquidity and time horizon fit what you want your money to achieve.

Your money has a job. Give it an investment that matches the job.

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1 month ago | [YT] | 21

SholzCorner

There will be seasons when your investments are growing.

And there will also be seasons when it feels like nothing is really happening.

Don’t let a slow season convince you that you are failing.

In investing, time is part of the process.

The seed doesn’t look like the tree.
The contribution doesn’t look like the final portfolio.
And the beginning rarely looks impressive.

Your job is to keep learning, keep making sound decisions, and keep building.
You may not see the results yet, but that doesn’t mean the work is wasted.

Stay patient.
Stay disciplined.
Stay in the game.

Your financial future is worth building.

Happy Monday. 💚

- Sholz

1 month ago | [YT] | 26

SholzCorner

A few years ago, I came across an investment story that completely changed the way I think about money.

Two people invested the same amount. One started earlier, the other started later.

The surprising part? The person who started earlier ended up with far more money, even though they didn’t invest the most.

That’s when I truly understood that investing is not just about finding the highest returns.

The real secret is compounding.

A small amount invested consistently can grow into something surprisingly large over time. The earlier you start, the more time works in your favor.

In this video, I explain how compounding actually works and why waiting can be one of the most expensive financial decisions you make.

Check it out here: https://www.youtube.com/watch?v=10VhW...

#Sholz

1 month ago | [YT] | 20

SholzCorner

A lot of people say:

“I have money invested, so I’m financially secure.”

But wait… where is the money you can access TODAY if an emergency happens?

Imagine you have ₦2million invested in an asset that is doing very well. Then suddenly, you need ₦500,000 for an urgent expense, but withdrawing the investment takes time, or selling it at that moment means taking a loss.

That’s why wealth and liquidity are not the same thing.

👉 Your investments are for growing your money.
👉 Your emergency fund is for protecting you when life happens.
👉 You need BOTH.

Question for you: If you suddenly needed ₦300,000 today, could you access it without selling your long-term investments? 🤔

This explains where your emergency funds can grow
https://www.youtube.com/watch?v=oHGx7...

1 month ago | [YT] | 30

SholzCorner

₦100,000 Today Is NOT the Same as ₦100,000 Five Years From Now

Money loses value over time because prices keep rising.

What ₦100,000 can buy today may require ₦150,000 or even more in a few years.

That’s why simply saving money is not enough—you need your money to grow.

The goal is not just to preserve money, but to preserve purchasing power.

Invest wisely. Your future self will thank you.

https://www.youtube.com/watch?v=B2Vw1...

#Sholz

1 month ago | [YT] | 26

SholzCorner

Here's to new opportunities, meaningful impact, beautiful memories, and countless reasons to smile.


Happy Birthday to me!

1 month ago | [YT] | 30