23 Sep 2026

Account ledger: the Day 7 Short (hr_upV2XBIM) shows ₦104,838.12, not ₦104,838.18. The Day 10 Short (TCzixabtU2M) shows ₦221,254.55, not ₦220,507.79, and its title confirms an added ₦100,000. The entries and fund splits have been corrected from those frames. The old Best single day statistic used a balance jump that included this deposit and spanned recorded dates; Largest recorded gain now excludes deposits and names both interval dates. Entries 89 and 90 show ₦726,607.02 and ₦775,383.43, with ₦700,000 invested in both source titles, supporting the ₦48,776.41 interval gain.

29 Oct 2026
The Government Pays 16%. Your Fund Pays 15%.

This article (28 Sep 2026) stated the Treasury bill return wrongly. It treated the stop rate of 15.89% as a return on the cash invested, and said ₦100,000 in a one-year bill earns ₦15,890. The stop rate is a discount rate, measured against the bill's face value, not against the cash handed over. Corrected: ₦100,000 of cash buys about ₦118,900 of face value and earns about ₦18,900 before tax, roughly ₦17,000 after the 10% withholding tax, a return of about 17% on the cash invested. The inflation comparison has been corrected here and in 'The Rate Cut and Your Savings' (5 Oct 2026): against August 2026 inflation of 15.39%, the bill is ahead of prices by about a point and a half after tax. The conclusions of both articles are unchanged in direction: the difference between the bill and a money market fund is the wrapper, not the money, and a savings account at the regulated minimum still falls behind prices.

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