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Good afternoon sir, I have 10.5 million to invest in a high interest savings and stocks, can you give solid recommendations sir. I would really appreciate your feedback. Plus I'm just 22 years of age Good afternoon sir. I have 10.5 million sir. I have 10.5 million to invest in either interest savings and stocks. Can you give solid recommendation sir? I would really appreciate your feedback plus I am just 22 years of age. First of all, I must commend you. You are 22. Now you have over 10 million to invest. That is not a small thing. Most 22 years, not even figure out their life. So congratulations to you. You are on the right path. Now, how can you invest 10.5 million as a 22 years old? Your interest is in our interest savings and the stock market. Now, this advice you is just my basic opinion. Just my opinion. Right. This what I think. First of all, I think you should divide the parts. 10.5 you can separate it into two parts. Actually, not two parts, three parts. Remove that 500k first. In the 10.5, remove that 500k side. Then that 10 million, divide it into two parts. Remove 8 million, put one side and the final 2 million keep it one. I'm gonna tell you what you do with each of the money. So you first 500k. First of all, remove 8 million. Remove 2 million. Now that 500k invest it back into yourself. Thing, use that 500k to invest in things like books. Things like, um, mentorship and courses. You are 22 years, you still have to learn or use it to invest back. You the 2, 10.5. But you should invest in yourself. Even if it's travel, 500k. You anywhere far, take you to a resort or anywhere around to chill. But use that 500k to spend on yourself. Thing I will do. Then the remaining 10 million, divide into two. One is 8 million, one is 2 million. Now use the 2 million to invest in a money market mutual fund. You're still very young, so to go and put lots of your money in low risk investment. So 2 million is small out of the old 10 million. In a money market mutual fund. Why am I telling you to put 2 million in mutual fund? It's simple. That one can act as your savings and emergency fund. Day you need money urgently for something. Instead of you to run to selling your stocks, you can just use your mutual funds and use, sort your problem. Getting interest on top it. If you leave it for a while, it will no longer it, we can even grow to even 5 million. So that one will serve as just your emergency or savings is something you can any single time. Then the final 8 million is what in the stock market. Invest in both in Nigeria and the US stock market. Don't make the people make the US stock. Don't ignore the US stock market. You are still. So put it in both Nigeria and US stocks. Is 8 million. Five Nigerian stocks, three US stocks. So you have eight stocks in. One 1 million per stock. So you have eight stocks. Five Nigerian stocks, three US stocks. Or you can do six Nigerian stocks, two US stocks. Now for the. I'm not gonna tell you stocks to buy literally. I only give. You recommendation based. So I'm just. You sectors you can invest in. Now do further research to break sectors. To invest in market. These are some of the sectors you should target. First of all, have stocks in the banking sector. Literally one of the biggest sector in the Nigerian stock market. So you should be looking at GTCO or Zenith Bank. Either of them. Good dividends payers. GTCO or Zenith Bank, they are payers in the Nigeria stock market. You should have banking sector. Have stocks in the industrial sector. Stocks like Lafarge which is now called HBMNG. Stocks like Dangote Smith and stocks like Poa Smith. Either of those one will do well in the industrial sector. It's important then you should look at the telecommunication sector. One is simple and straightforward. MTN, but we also have Airtel. But most people would rather choose MTN. Also look at oil and gas sector. Look at is oil and gas. Another sector you at is also consumer goods sector. Consumer goods sector. That's why we Dangote Sugar, Pizza Cuisine and. So do sector investing. So each of should buy should cover I sec. Pack the five stocks from just one sector. People make mistakes and buy five stocks just from banking sector. Like that break it down into sectors. Therefore the US stock market is basically simple. Just look for a very very or two very good tech stock. Right and buy. Personally, I'm a very very big fan of Nvidia. Then there's another also good Palantir. Very good or stick to the basics like Amazon. Apple stocks, those are just big. Even Microsoft. Those are big US stocks and they have been there for a long period of time. Don't think they are going anywhere. Will go bigger. So that's my advice for you. Finally. Please and please before you invest the stock market. Get knowledge in. That is what the first 500k should do. The first 500k, I told you to separate. Get knowledge. Don't put all the stock market without getting proper. It's not just about the recommendation. You must understand buying. You must understand how it's affect and you must know how to do research of companies by yourself. It doesn't make and carry millions of money the stock market if you can't do personal research. Learn to do personal research. So take some time. Know go and invest in knowledge. Learn to do research how to identify companies. When you have. You might not this recommendation I'm giving you. Able to do. You can even DM for one on one session. Or you can in my bio of my class. Very soon. We are going lot from there. Oruka Otuene and God bless you. Please note this. Ever message you first on any platform. Come to your DM first to message you on. If anybody comes first claiming to be me. It is not me. Stay safe and stay blessed. Engage the rest of your. Bye bye.