Financial freedom starts with the right partner
Financial freedom looks different depending on who you ask. For some, it’s the ability to spend without hesitation, knowing the essentials are covered without stress. For others, it is stability and control, the confidence that comes from knowing you’ve built what we call “generational wealth” for your lineage.
While the definitions may vary, every version shares the same underlying desire: security. Security that your bills are covered. Security that emergencies won’t cause you to panic. Security that your future is not entirely dependent on your next paycheck.
Feeling secure with your money changes how you live not just how you spend. It allows you to make decisions confidently and to plan ahead rather than constantly having to worry anytime the word “money” is mentioned.
It is important to know this; Income alone does not create freedom. Many people earn well and still live under pressure because their money lacks direction. Without a system, something that tracks, protects, and grows what you earn, financial progress becomes almost impossible.
And generational wealth, especially, is not created by convenience. It is built through investments, long-term planning, and disciplined growth over time. It requires intentional decisions that compound across years, sometimes decades.
This is where having a financial partner matter. A support system. A platform that helps you manage money clearly.
Still, a financial partner doesn’t turn the journey to financial freedom into an easy one. Your discipline and decisions still do the heavy lifting. But when you have a partner that simplifies saving, Investing, diversifying and managing money, staying consistent becomes far easier.
With a partner like Vale, your financial journey becomes smoother, smarter, and even a little fun. After all, the right partner doesn’t just work for you, they make everything feel like it was meant to click all along.
Financial freedom doesn’t begin with a dream. It begins with structure. And structure starts with choosing the right partner. One that enables your short and long-term goals. The kind of partner that helps you turn intentions into progress, and progress into security. And Vale is that financial partner that works for you and with you every step of the way.
NOW TO THE NEWS
Vale launches Savings Challenges with even more rewards
At Vale Finance, we are turning smart money moves into a fun, rewarding experience with our new saving challenges, designed to help customers save smartly while still enjoying life. The new challenges: First Million Challenge, Multi-Millionaire Challenge, Fund your Bae (Valentine’s edition), Back to School Challenge (3rd term), and NYSC savings challenge are designed to help our users save towards their goals.
These goal-based saving challenges offer an opportunity to put money aside for both long and short-term needs such as school fees, building wealth during service year, or even working towards saving that first million, while earning extra rewards.
The thrilling part is, participants stand the chance to earn up to 13% interest on their savings, plus an extra 5% bonus (Terms & Conditions apply), making it not just a smart way to save but also a chance to earn more value for their money.
Vale encourages both new and existing users to take advantage of the opportunity to turn saving into an engaging and rewarding experience.
Nigeria’s public debt rises to ₦153.29 trillion in Q3 2025, says DMO
Nigeria’s total public debt reached US$103.94 billion, translating to about ₦153.29 trillion as of September 30, 2025, according to the Debt Management Office. The conversion of external debt was based on the official exchange rate of ₦1,474.85 to US$1 published by the Central Bank of Nigeria on the same date.
Domestic debt now makes up the larger share of the total, accounting for 53.37%, at US$55.47 billion, or ₦81.82 trillion, while external debt stands at 46.63%, at US$48.46 billion, or ₦71.48 trillion. The shift toward domestic borrowing reflects sustained issuance of government securities in the local market. Within the domestic portfolio, FGN Bonds dominate at ₦61.9 trillion, representing about 80% of domestic debt. Treasury Bills amount to ₦12.68 trillion, or 16.3%, while Sukuk bonds stand at ₦1.29 trillion.
By tier of government, the Federal Government accounts for the majority of the debt stock, with US$52.76 billion, or ₦77.81 trillion, representing 50.76% of the total. States and the Federal Capital Territory owe US$2.71 billion, or ₦4 trillion, contributing 2.61%. The larger domestic share indicates increased reliance on local investors, including banks and pension funds, with borrowing largely raised through bonds, treasury bills, and other domestic instruments.
Naira strengthens to ₦1,348/$ as Nigeria’s forex reserves hit $48.5 billion
The naira strengthened in the official foreign exchange market last week, closing at ₦1,348 per US dollar on Friday, up from ₦1,358 per dollar the previous week, marking a ₦10 week-on-week appreciation.
Throughout the week, the naira showed a largely positive trajectory, opening at ₦1,344 on Monday, strengthening midweek, and finishing at ₦1,348 on Friday. In the parallel market, the naira also improved, rising to ₦1,361.5 per dollar on Friday from ₦1,374 on Thursday, and from ₦1,420 the previous Friday, indicating narrowing spreads and improved liquidity conditions.
The gains reflect a gradual but consistent recovery in the official window, supported by a moderate but sustained balance between demand and supply. The improvement in the naira’s value points to renewed market stability and positive investor sentiment.
Nigeria’s external reserves climbed to $48.5 billion, the highest since mid-May 2013, strengthening the Central Bank of Nigeria’s capacity to defend the naira and meet external obligations. The rise in reserves provides a buffer against global economic shocks and capital flow volatility, which has been a key factor supporting recent stability in the foreign exchange market.
Looking ahead, the Central Bank projects that reserves could reach $51 billion by the end of 2026. This target is part of a broader macroeconomic stabilization framework aimed at strengthening the naira, reducing exchange rate volatility, restoring investor confidence, and reinforcing financial system stability. If achieved, it would consolidate recent gains and provide continued support for the naira.
Nigeria’s capital market contribution to GDP climbs to 33% as market value surges to ₦123.93 trillion
According to the Securities and Exchange Commission (SEC), Nigeria’s capital market has significantly increased its contribution to the country’s Gross Domestic Product (GDP), rising to 33%, as total market capitalization surged to over ₦123.93 trillion from about ₦55 trillion in April 2024, marking a 125% increase.
The figures were disclosed by SEC Director-General Dr. Emomotimi Agama during his inaugural address to the Capital Market Working Group on Market Liquidity, highlighting the market’s growing influence on Nigeria’s economic performance.
While describing the growth as historic, Agama emphasized that sustaining the momentum requires deeper liquidity and improved trading efficiency. He noted that the headline numbers, though impressive, do not fully capture the health of the market. Market capitalization and GDP contribution alone do not guarantee that the capital market is functioning effectively as a barometer of the economy.
Structural challenges remain, including high transaction costs for institutional investors and trading activity concentrated in a few highly capitalized stocks, leaving many listed equities relatively illiquid. Limited liquidity can discourage investors if they are unsure of their ability to enter or exit positions without significant price distortions. Agama stressed that a functional capital market must combine scale, depth, and efficiency to finance infrastructure, support businesses, create jobs, and serve as a reliable indicator of economic health.
