“What is Uyo Meyo?”, I asked myself as I swayed to the beautifully written lyrics of this trending song — at least the parts I could understand. I am Yoruba, but I must confess, ashamedly, that I struggle to speak the language fluently. So, understanding words from a Yoruba dialect, in this case, the Ondo dialect, was a stretch for me. But the tune was irresistible to my ears so I waltzed to it and promised to take a deep dive after listening.
To understand the true beauty of this track, I did a little followup on Teni and found out the very first time she made the tune public was on July 28th, about the time she graduated. Just before that, Teni had been super joyful about her younger sister’s graduation, which happened before hers, without an iota of contempt. She clearly suggested that celebrating with others even when your own joy doesn’t seem complete is the right thing to do. Why? When your joy comes, you can call out singing:
Kajo kajo kajo
kayo kayo kayo
Uyo Meyo leun o san o kan mi o eThe interpretation:
Let’s dance
Let’s rejoice
I rejoiced with you and now it’s my time to rejoice.
If you cannot celebrate others, you cannot invite them to celebrate with you, in truth, when your moment of joy comes. Also, celebrating others is a free way to calm the pressure that comes with stacking the building blocks for your goals. You started out on an investment journey towards a house, same as your friend. If he or she reaches the goal before you, probably because they had more to invest, celebrate with them.
#1: Celebrate more with others in the coming year. There is a peace that comes with that, and progress is easier to sustain with peace.
Building upon the first lines of the song, Teni went on to drop a few but powerful words of motivation in the first verse. These words, in particular, caught my attention:
If you work hard
You can climb the mountain tall
Cause nothing is too small
And nothing is too big
In this verse, Teni drops a sound piece of advice on compounding. Some goals might look pretty tough and present themselves as insurmountable mountains. But with little effort, that compound over time as long as one stays consistent, none of these goals will be impossible to reach — no matter how big they might seem. A brilliant one!

#2: Commit to compounding your efforts in 2019. Be consistent with whatever it is your hands find to do, particularly with your investment goals. No amount is too small to start with, the silver bullet is in getting started at your pace and staying consistent.
Finally, she rounds up the song with another solid verse which beautifully blends a prophecy and a prayer, as she closes up with a powerful rendition of the final chorus. Some words, again, in this verse stood out:
Ibi ti Daddy mi o de
Ma de be ma tu koja
Ibi ti Mummy mi o de
Ma de be ma tu koja
— — —
Interpretation:
Where my father couldn’t reach
I’ll get there and I’ll pass
Where my mother couldn’t reach
I’ll get there and I’ll pass
Looking at this you might be tempted to interpret it as a comparison, far from it as this is more about goal setting. A comparison is usually driven by contempt or a feeling of inferiority whereas goals are motivational targets usually built upon inspirational premises. Her parents have achieved success, and she is hoping to do better than them, hence, she’s creating goals out of that. We must note that she touched on the place of diligence before making this prayer. Why?
#3: A common teaching of the wise ones says, “Faith without works is dead”. So, get productively busy in 2019 — success is intentional.
My final words to you, in 2019 grow at your best pace. No pressure.

Simple and educative. Thank you Ope.
Thank you. I’d like for you to explain how the “sell unit” option on Cowrywise works
Hello Ega, when you invest in a mutual fund you buy slices of the fund (units). When you sell units, it means you are taking your money out of the fund.
It is the option you use to withdraw from a mutual fund.
Great innovation from Ope;Cowrywise,just pray it works out well.
Nice educative piece.
Hi, hum how long does it take to get my money back when I sell my units
Is this related to buying shares in firms while cowrywise is the stockbroker?
No please.
Thank you Ọpẹ. This is really simple and enlightening. The pizza analogy made me understand the intricacies of mutual funds.
A very good investment idea.
Like a previous question, how long does it take to get my money back after selling my unit?
Thanks Ope
Everyday I go to my dash board to see how my funds are growing. happy and greatfull to this platform and the decision I took. More investment!!!
Hi Adetoun and Racheal, it takes about one working day to get your funds back.
What a nice write up.
Please keep the flag flying.
You guy are doing a great job.
Thanks
If by chance ah can’t sell the unit expected yet ensure dat my deposit is automatically withdrawn every day what the risk involve there?
I am sold to this idea already. Well done.
Thank you
That’s very explain Tory and educating as well but being a newbie in investment market,
1. Is mutual fund as flexible as T-bill, if the rates on a particular investment increase in a country’s stock market will ROI on the investment mutually increase across board..
2. What’s the duration on mutual fund, it’s it annually or your company’s has a fixed duration before one’s unit can be recoverd, need more clarification on that .
Hello, when a share unit is sold, is the investor still available to receiving dividends?
That depends on the fund type.
Good write up. I know little more than the words. My questions are 1.what’s the tenure of the investment?
2. What’s the interest rate?
3. Can I terminate the investment anytime?
Hello ope, thank you for the explanation.
Does this mean that money can not be lost on mutual funds due to market change?
For money market mutual funds, yes.
Thank you Ope
Pls explain the ‘sell unit’ in Cowrywise and how it works. Thanks.
If you want to withdraw from your mutual fund, selling the units helps you do that.
Can I continue to save in my mutual funds without buying units can it run in auto pilot?
Thanks ope
My question is what is duration time can I terminate my investment , what is the percent interest rate on investment and what is tenure of investment..
The duration is a personal choice you have to make. I play for the long term though.
Thanks Ope dear!
Good write up. My questions are: if I invest 100k, what’s my interest rate? Secondly, if there is an interest rate, how often does it flow into what I have invested? And lastly, how long is the tenure?
Hi there, this depends on the mutual fund you choose. Have you checked them out.
Thank you Ope for the briefing on Mutual funds.
You’re welcome
Thank you Ope, i’ve been to trying to understand this for a long while now i have it like a box of pizza
Sir,
If invest in money market fund,what will be my expected interest?
This is really interesting,I always had a thing for mutual funding but I couldn’t get any better explanation than this,I once had an account with cowrywise but I lost the phone and eventually forgot the password,guess i would have to create one for this
If cowrywise are inactive on NSE, will it affect my investment with them and why are some stockbrokers that were active now inactive?
Very good explanation. Have been saving with cowrywise for some time it has been going I think I will now switch to the investment colum. Thank guys
Many of the questions on my mind have been answered.
Thanks, Ope for the simple explanation.
I’m definitely going to start one today!
Good explanation
Thanks for reading, Adewale
Very Interesting,
My questions now are
1.what’s the tenure of the investment?
2. What’s the interest rate?
3. Can I terminate the investment anytime?
What are the chances of losing money on this platform. Please I need a very clear and understanding response.
Good morning Ope.
Hi Odeniyi.
You don’t lose money with any of our Savings Plans.
For Mutual Fund investments on Cowrywise, there are different ways to earn.
I’ll recommend you begin investing in Money Market Funds as those are low-risk funds.
Thanks federal government for helping us
Thanks … I’ll like to know how possible is it that I’ll earn with out the fund managers selling my units in this platform.
Thanks
Hi Solace.
If you would rather not sell your units, you may also earn through dividends which are paid periodically, depending on which fund you’ve purchased on the platform.
Please let me know if you need any more clarification.
I have alot of questions to ask but just want to ask with these few…
1.what does the sell unit stand for?
2.is it the investor that gets to choose how long the investment would stay….
What’s the minimum amount to start with investing
Hi Ope, Saving on cowrywise has helped me but now I Intend to invest in mutual funds. If I no longer want the funds, can I sell them on cowrywise?
If yes, how long will it take to sell and get my investment back?
Very good write up…. thank you for the information
You’re welcome
So how would I see my profit….
Please I need more information about the dollar mutual funds on cowrywise, the difference between both and which to invest in(talking about Nigeria eurobonds and arm eurobonds)
Please I need more information about the dollar mutual funds on cowrywise, the difference between both and which to invest in(talking about Nigeria eurobonds and arm eurobonds)
Hello Ope, you said “Distribution in this case, would mean waiting on the fund manager to deduct the ₦100,000 gained and pay it to you without selling your units.” does this mean you still have your ₦200,000 phone [which you can still sell and gain another ₦100,000 which still enjoying your ₦100,000 gained from your fund manager?
A
Thank you for this insightful piece.
In case of appreciation of the fund, what would the fund manager do, since I am not monitoring the market fund? Since I don’t want to withdraw yet, what happens next to the fund and the gain, will the fund manager automatically increase my fund with the gain or will he send it to my account?
Thanks for the information, please how do I redeem my mutual fund?I invested in money market fund on the 7 of February,I requested to withdraw from my money but it’s saying I haven’t redeemed my mutual fund
Thanks Ope for this education.
Please, is mutual fund the same as index fund? If no, do we have in index fund in Nigeria?
Thank you again
How long does it take to get your money back after selling your units?
And, what happens if you only sold a certain percentage of it, not 100% of the units?
Very educative Ope, thanks. I hope we can get on clubhouse someday, so much opportunity there
How long does it take to sell your unit
Please Ope I need more clarification on this money market mutual fund. If I invest #5000 this month and continue same in other months just like savings do I still stand a chance of getting gains. Please explain more
How do I sell on mutual investment fund?
Please do I need to invest every day or just once. And too I needed to know more about investing. Finally don’t you have agricultural products investments?
Educative and insightful.
Hello Ope, it was quite insightful.
My question is under *capital appreciation, at what point would the fund manager distribute the gains if I decide not to sell my units, as there an agreed period like in the case of *periodic distribution. Is it going to be at the fund manager discretion?
I
Thanks
Thank you for always simplifying your write up, it’s very informative and educative.
I really want to invest but I kinda still need more explanations, maybe in an ABC way.
And I want to know which investment to go for. Thank you.