How I’m Raising ₦100M and Navigating Opportunity Cost Ahead of the Dangote Refinery IPO

Nigeria’s pension regulator issued a waiver that now lets fund managers back companies listed for under five years. That move sets the stage for what could be the biggest IPO on the NGX: the Dangote Refinery listing. As head of our family investment fund, I’m aiming to marshal ₦100 million before the offer opens. I’ve already earmarked ₦15 million and will rebalance my portfolio to free the rest. That is opportunity cost in action—sacrificing solid holdings to pursue a potentially greater return. Being worth millions on paper counts for little if your net worth is trapped. Wealth velocity—the speed at which capital moves through your personal economy—is key. Liquidity lets you seize once-in-a-generation chances without high-interest debt. I expect this IPO to trigger short-term shifts across equities, bonds, money markets and more. It could spark FOMO today and long-term regret tomorrow for those who sit on the sidelines. This is strictly my personal view and not financial advice.

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