Don’t RUN from it

Don’t RUN from it

Ginika was finishing his last bench press set when his workout buddy Buchi challenged him to a 30-minute-high intensity sprint on the treadmill. The winner gets N30,000 from the loser instantly. The other guys at the gym loved challenges so they all started chanting the names of the contenders.


Ginika got up, wiped the sweat off his face and chest, picked up his phone and looked straight at Buchi “Guy, what’s your account number again?” he said to the shock of all present. Ginika wouldn’t be bothered by aerobic exercises even if it meant he had to lose some money to his buddy. He just didn’t like the feeling of being out of breath that is common with performing cardio exercises.


Coach Frank watched the exchange in amusement. “This fella must really hate the idea of doing cardiovascular exercises”, he thought. He must not be aware of the many benefits of performing regular cardio exercises which include the following:


  • Strengthens the heart and helps it pump blood more efficiently throughout the body.

  • Helps to lower blood pressure and cholesterol levels.

  • Helps to regulate blood sugar.

  • Sleep improvement.

  • Improves lung capacity.

  • Boosts the immune system.

  • Aids in weight loss

Like Ginika, if you shy away from performing cardiovascular exercises, you may want to reconsider seeing as there are obvious benefits to it.

Start reaping the benefits of running when you download the Run For The Future (RFTF) app on Google Store and join us for the upcoming run/walk virtual event. There are super cool prizes to win alongside the running benefits.


The post Don’t RUN from it appeared first on Realising Ambitions.

Meet the two crazy runners

Meet the two crazy runners

There he was again. Even in the rain, Chimdi couldn’t understand why this fellow always had to run along the same path as he almost every day. Worse, he was just totally unfriendly…never acknowledging the runner’s nod Chimdi gave him whenever they passed each other while running.


Jerome moved into the estate 4 months earlier and loved how accessible routes were to make his run a smooth affair. He also loved that he could run in peace without having to exchange pleasantries and maybe even slow down just to talk with someone. He hated going to the gym or exercising and then spending a good portion of the time he could use in putting in more energy, gisting. It just wasn’t his style.


So, whenever he ran along the estate route, he plugged his ear pod and blasted his Jamz for motivation. He often noticed this fair-skinned dude who runs at the same time nodding his head at him, but he didn’t want to start something he couldn’t finish.


But the dude started it. He let go of the nodding and suddenly started trying to outrun him every morning. Jerome found that to be a challenge and he took Chimdi on. Without speaking to each other every morning, they would appear at the same time and like an imaginary gun was shot into the air to mark the start of the race, both guys would take off each intending to beat the other.


This run-play continued with no apparent winner until a golden opportunity came to know the real champion.


Chimdi heard that the ARM Run For The Future was back, this time virtually, and slated for the first week in December and he figured that this was it. He spoke to Jerome for the first time and they both agreed to run together and check who would finish first on the RFTF app’s leaderboard. So, they downloaded the app and got set for the run.


While speaking about the run, these two stubborn heads discovered they had a lot in common. Soon, they were practising together ahead of the run and Jerome even started enjoying gisting while running.


He learnt two lessons from this incident. One, having a fitness buddy can sometimes be a good motivation and secondly, he got to know about the coolest run/walk event to end the year and could win loads of great prizes if he comes out tops.




You could win amazing prizes too, but you must download the RFTF app on Google Store to run. Go ahead and invite your fitness buddies to download the app and join the fun – the more, the merrier!

The post Meet the two crazy runners appeared first on Realising Ambitions.

Smart tips for running a race

Smart tips for running a race

Gideon and John both in their 20’s were best of friends who loved sports and had a passion for running. They are preparing for the ARM “Run for The Future” run/walk event slated for December and knowing that preparation was key to success, they employed these tips to help them prepare for the big day.

  1. Adjust your strength training

Do muscle-strengthening exercises to build your strength in the months and weeks leading up to D-day, the goal is not to build new muscle but to maintain your strength before going into the race. You should also ensure that you allow the muscles you’re training to rest and recover before you hit the tracks hence no training the week before the event



  1. Watch what you eat and drink before the race

Make sure you are well-hydrated before the start of the race. Drink a lot of water a week before the race to ensure that your body is sufficiently hydrated before you hit the start line. For energy, eat a diet rich in complex carbohydrates, such as bread, rice, pasta, and starchy vegetables.


  1. Practice ahead of the race

This is the most important part. You must do more of your long run exercise at least daily to build your body system; your last long run should take place approximately three weeks to the race because it takes that long for the training-induced muscle damage to resolve. Adding one longer run could lead to trouble since there will be minimal gain and may cause an athlete to suffer from “dead legs” during the event.


  1. Plan and stick to time on the day of the race

By now you should be familiar with the routine you want to deploy before the race, arrive at least an hour before the race as you do not want to get late and feel pressured. Planning is key to success.


  1. On the D- Day

Do not worry about a warm-up run. Don’t stress, enjoy the adventure ahead!

  Join our RFTF Group on Facebook and visit our website to get more health and fitness tips.

The post Smart tips for running a race appeared first on Realising Ambitions.

9 interesting running facts

Whether you are a first-time runner, or you’ve been running for years, some of these facts about running will interest you.


Even if you’re a slow jogger, you’ll burn at least 10 calories per minute of running. That means you can hope to run off that block of chocolate you ate in less than 23 minutes.


Over 1 billion pairs of running shoes are sold worldwide each year. Oh, we hope you’ve bought your running shoes for the upcoming Run For The Future run/walk event? Best to be prepared on time.


Athletes dressed in red are more likely to win events than athletes wearing any other color. Does this mean we’ll be seeing you in red on that day?


12 of the world’s top 20 distance runners are members of the Kalenjin tribe of northwest Kenya.


The youngest marathon runner is Budhia Singh who completed 48 marathons by age 5. The oldest person to complete a marathon was Fauja Singh from India, he was 100 years old at the time. Even more interesting is the fact that Fauja didn’t even start running until he was 89 years of age. It’s never too late. Start with this run/walk virtual event.


Music can boost your running performance by up to 15%! So break out those headphones and you’re your playlist updated always for a more fun run.


Did you know that eating baked beetroot can improve your running performance? Now beetroot might not be your idea of a yummy snack before a run/walk, but if it gives you that Usain Bolt kinda rush, why not?


Stretching before a run will make your body less efficient making you unable to run as far. Just like every other workout, it is best to start with a dynamic movement sort of warm-up.


According to research, running is an excellent way to increase your creativity and boost your productivity at work.

Join our RFTF Group on Facebook and visit our website to get more health and fitness tips.

5 smart ways to spend your 13th month pay

5 smart ways to spend your 13th month pay

Christmas is just around the corner and holiday sales are beginning to pop up. The plans for office parties are in full swing and best of all, Christmas bonuses and 13th-month pay will soon be rolled out. YASSS!!!


You’ll definitely feel like a “One-day Millionaire” when the extra dough lands in your account. However, when you’re in holiday mode, your 13th-month pay can disappear just as easily as it came. For many people, the 13th-month pay wouldn’t even get past  midnight of the day it dropped. Ouch! We don’t want that to be your story, especially when you can put it to better use to score a win-win all the way.


Here are some tips to avoid wasting your 13-month pay.


  1. Plan, Plot, Allocate

Some would argue that it is unwise to spend money before you actually have it. In the case of expected cash like your 13th-month pay, it’s advisable to plan and “allocate” it before it comes. This way, you won’t wake up to find your 13th-month pay gone and 10 new pairs of shoes you don’t need in your closet.


  1. Break It into Parts

Break down the expected figure into fractions where one part goes to savings, while the other into paying off loans. Some can go into your holiday shopping spree and the rest you can invest in your tomorrow.


  1. Approach Holiday Sales with caution

There are pre-holiday, holiday, and post-holiday sales. The reality is that sale events are everywhere. If you miss one, three more pop up. It’s like Hercules slaying Hydra’s heads—it never stops.

As tempting as holiday sales can be, don’t swipe or throw your full 13th-month pay into the fire. Treat yourself, but don’t go overboard.


  1. Make a Holiday Christmas List

When you’re in shopping mode, it’s easy to get carried away. Before December even starts, you need to sit down and create your own Santa’s list. This will help you allot the amount you plan to spend.

While part of your 13th-month pay can easily disappear into shopping, you don’t need to wait for it to start building your holiday fund.


  1. Make It Count

Many people make the mistake of blowing off their extra cash in one go, especially on things that don’t really matter. It’s sad that you’ve waited for your 13th-month pay for a whole year, and you spend it all in 6 hours or less.


With these tips, we hope you can extend the life of your extra dough and really put it to good use.

Click here to explore investment options and grow your wealth today.

The post 5 smart ways to spend your 13th month pay appeared first on Realising Ambitions.

Know more about ARM Ethical Fund

Know more about ARM Ethical Fund

Ethical investing is an often-misunderstood concept. Sometimes used interchangeably with socially conscious investing which typically has one overarching set of guidelines that are used to select the portfolio, ethical investing on the other hand, brings about a more personalized result.


Let’s help you make sense of this and how ARM comes into the picture.


What is ethical investing?

Ethical investing is a type of investing process that considers an investor’s personal principles – could be social, moral, religious, political, or otherwise, before making investment decisions.


Who is ethical investing for?

Ethical investing is for individuals who are interested in allocating their capital towards companies whose practices and values align with their personal beliefs.


Does ARM encourage ethical investing?

Yes, it does. The ARM Ethical fund was launched in 2010 and is a mutual fund that invests in ethically compliant securities to help the investors achieve the protection of their morals and ethical beliefs.


What specific instruments does the ARM Ethical Fund invest in?

Equities and other alternative Instruments


How has the ARM Ethical Fund performed in the past?

Historical performance remains competitive at an average of 5.7% in the past five (5) years, 2021 relative performance above benchmark stands at 9.74% as at August 2021.


Examples of companies the ARM Ethical Fund does not invest in are?

The fund will not invest in any company that involves interest-bearing transactions, gambling, alcohol and tobacco, arms and ammunition or adult entertainment.


Is the ARM Ethical Fund good for short, medium- or long-term investing?

Consider medium to long-term investing with the ARM Ethical Fund due to its exposure to equities (an instrument better suited for long-term investing).


Does Ethical investing offer lower returns/performance?

No, it does not. Ethical investing protects your moral principles and values while still making money.


How do I invest in the ARM Ethical Fund?

Click here to sign up for the ARM Ethical Fund via or call 0700 call ARM


I need more information about the ARM Ethical Fund:

Visit here to learn more about ARM Ethical Fund.


Got further inquiries? Please reach us via [email protected] or call 0700 ARMENGAGE

The post Know more about ARM Ethical Fund appeared first on Realising Ambitions.

What is good for the goose

What is good for the goose

Desmond and Bola walk into the boardroom chatting boisterously. They both appear to be in high spirits and James wanted in on the gist.


“Guys, how far? Looks like you are discussing some money-making schemes – come on, fill me in” James says jokingly.


The two young men shift a little uncomfortably in their seats as their gaze goes back and forth. James was their manager and they needed to be careful how to respond to him.


After a long pause, Bola responds “Chief, it’s really nothing, just that Desmond was telling me of his uncle who wants to invest money but is adamant that his investment must align with his personal moral compass. So, I told him about Ethical Funds, but the only caveat is that I hear one must be a Muslim to invest in that kind of mutual fund.”


James leans back in his chair with a knowing smile on his lips, lets out a short laugh and responds “You’re correct Bola, but not entirely. Ethical Funds are not just for Muslims but for anyone who is interested in investing their money in companies whose practices and values align with their personal beliefs.”


Desmond who had been quiet all along speaks “So boss, what kind of companies does the Ethical Fund not invest in?”


“Ethical investors typically avoid “sin stocks” which are companies that are involved or deal primarily with traditionally unethical or immoral activities like gambling, alcohol, firearms, tobacco and adult entertainment amongst others” James replies.


Desmond ponders his answer and then asks, “If that’s the case, doesn’t this then mean that the return margin will be low on the Ethical Fund as not many people would be willing to boycott investing in these kinds of companies?”


James stands up, takes off his jacket and turns up the air conditioner, then responds “On the contrary Desmond – it will surprise you the number of high-net worth individuals who invest ethically. I have a lot of knowledge regarding this because I have an Ethical Fund investment along with a lot of my friends.”


Bola jumps in “Oh really? Since when have you had it? And what’s the returns like?”


James goes on to explain how he had maintained his Ethical Fund portfolio for going on six years because his Fund Managers advised on longer-term investing due to the exposure of the fund. He also shared how the Fund Managers in charge of his Ethical Fund had done a good job which ensured that he still made money while protecting his personal and ethical beliefs.


When he looked up at his audience, he realized they were both jotting down aggressively.


“Are you guys even paying attention?” he asked.


“Sure boss. We’ve been thinking of asking you to ‘show us the way’ when it comes to making money. We’re jotting down because these lessons won’t be a waste” Desmond replied with Bola nodding in agreement.


“Well, I thought this was for your uncle, Desmond” James quizzed.


The two young men looked at each other and laughed loud “Boss, we too, like to invest ethically and earn returns. You know what they say about what is good for the goose being good for the gander right?”


Click here to learn all about the ARM Ethical Fund

The post What is good for the goose appeared first on Realising Ambitions.

No Retirement Regret

No Retirement Regret

Grandma Ibadan, as Mrs. Abiodun Coker was popularly called, was a very loving and generous woman who spent her retirement years giving and spreading joy to anyone and everyone who met her.


Mrs. Abiodun was known as a lady who lived life to the fullest. She hosted monthly parties for children on the street and the widowed. She saw these as an opportunity for her and the other ladies to be a source of comfort to each other. The women also found a level of fulfilment from hosting the kids on the streets.


During one of such parties, Grandma Ibadan noticed one of the widows looking sad despite all the joy that filled the room. “A penny for your thought,” she said, as she bumped into her slightly from behind. “Ah, Grandma. Good afternoon ma Mrs. Tunji replied, slightly startled.


“Good afternoon, my dear. How are you? You look so lost, what is the matter?”


Mrs. Tunji sighed deeply, “Grandma, I’m not happy. I have so much in my life to be grateful for. I enjoy coming over for these parties but, it also gets me thinking about my life. Mama, I was a successful young woman. I had cars and I could go on trips whenever I wanted. I lived the life but look at me now. I can barely afford the day-to-day running of my life. I even had to sell off the last of my cars last week just to stay afloat”, Mrs. Tunji said.


“Walk with me to the garden, let’s talk,” Mrs. Abiodun said.


“Mrs. Tunji, I’m going to ask a few uncomfortable questions and then share a bit about myself with you. I hope that’s okay?”.


“Yes, ma. It’s fine.”


In all your days as working-class lady, did you consider and prepare for retirement and old age? Did you have a pensions account or even a savings targeted towards your old age?


Mrs. Tunji, looking down at her feet with shame, “No ma, I didn’t.”


“Look at me, my dear. While I do not applaud you for your decisions, I do not judge you either. It is very easy to get carried away when we are young, we forget that we cannot be young forever. Let me tell you a bit of myself.


“Just like you, I lived quite the life. I travelled around the world on vacations and bought properties for myself. You know I like beautiful houses, but if there was also something I loved to do even more, and it was saving. So, while my employer opened and funded an RSA account for me, I saved quite a lot by myself.”


“Hmm, grandma, how did I not know to save like this? I had a pensions account but what I get paid monthly is barely enough to my needs. I did put some money aside from time-to-time, but I always ended up spending it when I wanted to take a trip or throw myself a big birthday party. I wish I had done better. I look at my son now and I worry about his future. He spends a lot of his money clubbing and buying the latest power bike. I know he has a pension account, but I fear it might not suffice in taking care of him late in retirement.”


“I think you should talk to your son about planning for retirement. I hear that you can make additional voluntary contribution to your RSA these days. I also heard ARM Pension has a Retirement Lifestyle Planner that helps you plan and prepare for your retirement according to your lifestyle”, Mrs. Tunji concluded.


“Grandma, thank you for this talk. I will in turn have a talk with my son about this. This has been such a productive conversation. Thanks again, Grandma.”




Our Retirement Lifestyle Planner enables you to Walk Into Tomorrow, today to plan out your dream retirement. On this easy-to-use portal, you get a holistic view of how your retirement lifestyle would be and how much you’d need at every point in your retirement. This helps you to total up the magic number you need to save to get the retirement you desire.


Click here to Walk Into Tomorrow and plan your dream retirement now.

The post No Retirement Regret appeared first on Realising Ambitions.