Good evening all and welcome to this episode. Under this topic we shall be looking at two important topics:
Investment risk versus risk appetite.

An investment bb is an item or asset acquired with the aim of generating income or growth in value. It is also the commitment of money or fund for a period of time in order to derive future benefits that will compensate the investor for the following:

1. the time, the money or fund that is committed
2. the expected rate of inflation and
3. the uncertainty of the future payments arising from the investment

Investment Risk
Investment risk is the possibility of occurrence of losses in relation to the anticipated return on any particular investment. It is the possibility of losing some or all of the money invested.

Investment Risk can be classified into three subheading:
a. High risk investment
*The potential gainof a high risk investment is that there are chances that one could make a very high return on the investment, but there are strong chances that you could also lose a greater amount of your investment hence your principle amount can be eroded eg shares options, future managed funds in shares

b. Medium risk investment
* These have the potential for steady income and the principal investment may not be eroded. This type of investment includes commercial building, buying and selling etc. The income from it, however, may not be as high as the first category

c. Low risk investment
* This type of investment has the potential for steady income but low and with low risk.
* The risk associated with this class of investment is very low, so your investment is relatively safe.
* This includes interest paying accounts eg saving account, term deposit, bonds etc

Meanwhile, when I will unfold the practical business investment this month, it will be a risk free investment where those who will take action from the opportunity will be making a huge heavy profit from it even while you are sleeping.
I promise you guys some will laugh and celebrate. Let move on to risk appetite.

Risk Appetite
Risk appetite is one's willingness to take an account of risk in pursuit of profit. An investor with a high appetite for risk will focus majority on the gain and is willing to accept any possibility of loss.

Similarly, if you are a low risk appetite investor, your focus only should be on the preservation of your capital.

Risk capacity is your ability to take in losses without endangering your financial goals.

An investor may have the risk capacity but is a low risk appetite (risk averse) person while another may have a high risk appetite but does not have sufficient capacity to take the risk

Note that, in order to reduce any risk from investment, there must be need for diversification.

Diversification
This is the art of spreading your investment across different asset classes to minimize your risk

The percentage of investment into each asset class is determined by the age of the investor

The higher your age, the higher your investment into lesser risk asserts and vice versa.

Good evening fellow Nairaland's users and fellowers' of my write up,I hope everyone here enjoyed today's service?
May HIS grace abide with everyone of us all, in Jesus name - Amen.

Nugget 7
Fellow the financial growth process, do not jump the gun.

Please do not force your money to make unrealistic returns or abnormal profit. This the sign of greed. Life is a process and not an event. Therefore, take it easy with your money, invest wisely and avoid the get- rich - quick syndrome. It is the surest way to disaster and short lifespan.

Nugget 8
Avoid blind investment.
Do not invest in a business that you are not familiar with. Seek advice from the professionals.

Nugget 9
To spread your financial risk, diversify your investment.

In order to spread your financial risk, you need to diversify your investment, this help you to make up for losses in other areas with gains from another.

Nugget 10
It is only the grace of God Almighty that can empower one to make a sustainable financial growth.

Above all, seek the face of God Almighty, for in Him lies all power, wisdom and resources to make wealth. When God blesses you, no one nor powers in the world can change it, for HE alone has creative power above all creatures.

God bless you all richly.

hrconsultantng@gmail.com

Nugget 5 continue
See spending as money running away from you, but be happy to invest as money comes to you.

Find a good employment for your money. As you earn money every week or every month, you should never spend all your earnings, no matter how small the income may be doing so, is the surest way to poverty. Instead, save part of the money each week or month. Having accumulated a reasonable amount, invest the same by finding a good employment for the money so that it can produce more money, which is the surest way to Financial Independence in the nearest future. You must never rest until this is done.

Nugget 6
In money management, don't repeat your parents' mistakes, learn from their mistakes and from the mistakes of others.

Learn financial lessons from those who have been there before you. This is the best way to avoid the repeat of their mistakes and hence be delivered from many financial headaches. This is the principle of learning from other people's brains, through reading their books, attending their seminars, workshops, etc. Ask questions upon questions to know more and acquire wisdom. You should never be tired of seeking knowledge, for therein lies the wisdom for the future.

From:
hrconsultantng@gmail.com

We continue from here tomorrow being the end for this topic.

For the above subject matter posted earlier, I just want to drop herewith my email for details information should my fellowers are in need for it:

hrconsultantng@gmail.com

Fellow Nairaland users/ members the scope of my presentation here will be tailored on attaining financial independence but by next month, i will show my fellowers practical ways of creating wealth or make money within the ambience of their comfort zones without lifting their fingers even while they are sleeping, this is what i term as "printing money"

Our financial independence must start from our thought life. You become what you think often. Your financial condition is a reflection of the state of your heart. If you change your financial thought to be positive, in no distance time your financial health will also change positively.

Nugget 1 : Learn the art of making money, keeping and growing it.

whatever you are not interested in dispels you. It runs away from you most times. It you are not interested in knowing the art of making money, keeping and growing money, it will elude you.

Nugget 2
Send your money on an errand through investment


Money is a servant. It is a good servant as well as a bad servant . Money is not evil , it is the inordinate and greedy use of it that is evil.
When you use it wisely, you will realise that it is one of the best servants in the world. On the flip side, it can be the worst servants as well. It is a matter of choice. Send your money on a good errand in form of investments and you will be amazed how good a servant your money can be.

Nugget 3:
Financial growth is a process, learnt it.

To be financially, independence, you must learn the art of financial growth, it is a process and for sustainable financial growth, you must not jump the gun.

Nugget 4:
Financial growth requires discipline, you cannot wish it away

The journey to financial independence requires that you pay yourself first , no matter how small you earn. If Mr A earns N20,000 monthly and saves N1,000 every month by re-investing the capital and the accrued interest, over a period of 10 years, he will be financially better than Mr. B who earns higher , say N30,000 monthly and does not save a dime. Mr. B who does not save, is working for money It is not about how much you pay yourself every month, is a secret of healthy financial living and securing your future.



Fellow members, it 's a high time we drew our cotton close here and by weekend we shall conclude this topic and move to WEALTH CREATION AND MANAGEMENT.

Thank you all for your time.


















Nugget 2

A great man once said if you
take all the money in the world and distribute them equally among people
after a while all the -monies will go back to their original owners. Why?

The poor are
mainly consumers and the rich are mainly investors.

Show me a POOR man and I'll show you a man who

P - Passes
O - Over
O - Opportunities
R - Repeatedly.

A man who sees challenges in every opportunity instead of seeing opportunity in every challenge.

Being a MAN is not a title, it's a responsibility. It means you have to answer financially in the
M - Morning
A - Afternoon and
N - Night.

You must take great risks to receive greater rewards.

You must plan and strategize, you must value profit not wages, you must be focused and you must be determined if you want good success.

Last but not least, You must involve God.

*"The worst people on earth to serve are the POOR PEOPLE"*

POOR: *meaning* "Passing Over Opportunities Repeatedly"

*See the reasons below:*

1)Give them for free, they will think it is a trap.

2)Tell them it's a small investment, they will say you can't earn much.

3)Tell them to come in BIG, they will say "I don't have any money".

4)Tell them to try new things, they will say "no experience; has it been proven to work? Who has gained from it before?".

5)Tell them it's a traditional business, they'll say "it's too HARD to do".

6)Tell them it is a new business model, they will say "I don't do network marketing and how many years has this business model been existing?".

7)Tell them to run a shop, they will say "I will be tied down, I'll have no freedom".

Tell them to follow a 1-year business plan, they will say "it's too long. Please, I can't wait for so long".

9)Ask them what can they do? They will say "I can do ANYTHING".

10)They like to ask friends who are as hopeless as themselves to get their opinions. Even the Bible acknowledges the fact that blind people don't lead blind people.

11) They think more than a University Professor and do less than a blind man.

Penny wise, Pound foolish.

One major challenge POOR people have is "LACK OF ACTION!"

They enjoy their comfort zone, dwelling and swimming in their "own type of knowledge".

Anything beyond their reason "can't work, and therefore it is fraudulent"

This is the cause!

Remember: It's RISKY to take a RISK, but it's even RISKIER not to take any risk at all...

Today is 6th AUGUST 2017. We have less than 5 months to go in the year.
If you continue to earn what you are earning at the moment all through the months until the end of the year, tell me: will that dream of becoming a financial pillar in your family be achieved by the end of December 2017?

Well, YOU alone know the answer.

*BE POSITIVE*
*BE SMART*
*BE PRO-ACTIVE*

*Learn to try out new things*
*The world is not ruled only by prayer warriors but by mental warriors who act and push with all they have*

Act now!!!!!!
[8/6, 14:54] ‪+234 803 493 0061‬: Morning team and happy Sunday

*Financial & Business Intelligence (FBI) Update!*

The life of a man is divided into three stages, it goes thus:

1. *Morning stage, Ages 0-30* - This is the learning stage in a life of a man. At this stage you learn virtually everything you know to do today

2. *Afternoon stage, Ages 31-50* - I call this the EARNING STAGE. At this stage you decide your earning capability, you choose where to work, how you work and how you get paid.

3. *Evening stage, from Age 51 and above* - This I call the twilight stage, there isn't much you can do here but to retire and enjoy all you have labored during your earning stage.

It is shocking to know that *90% of Nigerians* have converted their evening stage to afternoon stage because during their afternoon stage they kept *Passing Over Opportunities Repeatedly*. They blame their family background, blame society, blame government etc.

I tell people if you live a youthful life of wrong financial decisions, it leads to adulthood of financial struggles which creates old age of financial regrets.

Do all you can now to give your future generation the type of life they deserve. It has been said repeatedly "if you are born poor it is not your fault but if you die poor or raise poor children then it is your fault".

Stop procrastinating, stop analyzing. In the words of NIKE...... *Just Do It!*
I Have said my own, the Decision is yours to make.
*Who will make today count?*
Be the best have the best

A great man once said if you
take all the money in the world and distribute them equally among people
after a while all the -monies will go back to their original owners. Why?

The poor are
mainly consumers and the rich are mainly investors.

Show me a POOR man and I'll show you a man who

P - Passes
O - Over
O - Opportunities
R - Repeatedly.

A man who sees challenges in every opportunity instead of seeing opportunity in every challenge.

Being a MAN is not a title, it's a responsibility. It means you have to answer financially in the
M - Morning
A - Afternoon and
N - Night.

You must take great risks to receive greater rewards.

You must plan and strategize, you must value profit not wages, you must be focused and you must be determined if you want good success.

Last but not least, You must involve God.

*"The worst people on earth to serve are the POOR PEOPLE"*

POOR: *meaning* "Passing Over Opportunities Repeatedly"

*See the reasons below:*

1)Give them for free, they will think it is a trap.

2)Tell them it's a small investment, they will say you can't earn much.

3)Tell them to come in BIG, they will say "I don't have any money".

4)Tell them to try new things, they will say "no experience; has it been proven to work? Who has gained from it before?".

5)Tell them it's a traditional business, they'll say "it's too HARD to do".

6)Tell them it is a new business model, they will say "I don't do network marketing and how many years has this business model been existing?".

7)Tell them to run a shop, they will say "I will be tied down, I'll have no freedom".

Tell them to follow a 1-year business plan, they will say "it's too long. Please, I can't wait for so long".

9)Ask them what can they do? They will say "I can do ANYTHING".

10)They like to ask friends who are as hopeless as themselves to get their opinions. Even the Bible acknowledges the fact that blind people don't lead blind people.

11) They think more than a University Professor and do less than a blind man.

Penny wise, Pound foolish.

One major challenge POOR people have is "LACK OF ACTION!"

They enjoy their comfort zone, dwelling and swimming in their "own type of knowledge".

Anything beyond their reason "can't work, and therefore it is fraudulent"

This is the cause!

Remember: It's RISKY to take a RISK, but it's even RISKIER not to take any risk at all...

Today is 6th AUGUST 2017. We have less than 5 months to go in the year.
If you continue to earn what you are earning at the moment all through the months until the end of the year, tell me: will that dream of becoming a financial pillar in your family be achieved by the end of December 2017?

Well, YOU alone know the answer.

*BE POSITIVE*
*BE SMART*
*BE PRO-ACTIVE*

*Learn to try out new things*
*The world is not ruled only by prayer warriors but by mental warriors who act and push with all they have*

Act now!!!!!!
[8/6, 14:54] ‪+234 803 493 0061‬: Morning team and happy Sunday

*Financial & Business Intelligence (FBI) Update!*

The life of a man is divided into three stages, it goes thus:

1. *Morning stage, Ages 0-30* - This is the learning stage in a life of a man. At this stage you learn virtually everything you know to do today

2. *Afternoon stage, Ages 31-50* - I call this the EARNING STAGE. At this stage you decide your earning capability, you choose where to work, how you work and how you get paid.

3. *Evening stage, from Age 51 and above* - This I call the twilight stage, there isn't much you can do here but to retire and enjoy all you have labored during your earning stage.

It is shocking to know that *90% of Nigerians* have converted their evening stage to afternoon stage because during their afternoon stage they kept *Passing Over Opportunities Repeatedly*. They blame their family background, blame society, blame government etc.

I tell people if you live a youthful life of wrong financial decisions, it leads to adulthood of financial struggles which creates old age of financial regrets.

Do all you can now to give your future generation the type of life they deserve. It has been said repeatedly "if you are born poor it is not your fault but if you die poor or raise poor children then it is your fault".

Stop procrastinating, stop analyzing. In the words of NIKE...... *Just Do It!*
I Have said my own, the Decision is yours to make.
*Who will make today count?*
Be the best have the best