The 5-Bucket Split Worksheet: How to Invest ₦1M–₦20M in the Dangote IPO Without Betting Your Retirement (Free)

Everyone around you is shouting "Dangote, Dangote, Dangote." Your WhatsApp groups are on fire. A colleague says he's putting everything in.

But here's the question nobody is answering: How much should YOU put in — and where does the rest of your money go?

This free worksheet answers that in minutes.

It's the exact framework from my YouTube video "If I Were 45 With ₦5 Million, This Is Exactly How I'd Split It Before the Dangote IPO Closes", turned into a tool you can use with your own numbers.

🪣 THE 5-BUCKET SPLIT Every naira gets a job:

1. Sleep-at-Night Fund (20%): your emergency cushion, so a hospital bill or job loss never forces you to sell at the worst time.
2. Dangote IPO (20%): enough to matter, small enough to sleep.
3. Dividend Engine (30%): cash flow you can actually see, this year and every year.
4. Dollar Shield (20%): protection against the next naira shock.
5. Opportunity Reserve (10%): ready cash for buying the dip and handling IPO refunds.

📦 WHAT YOU GET (instant download) ✅ Interactive Excel worksheet. Type in your money, age and monthly expenses, and it does the maths for you:

• your five buckets, naira by naira;
• exactly how many Dangote shares you can apply for, in multiples of 10;
• what's left over, and where it should go;
• how many months your emergency fund really covers;
• green ✓ / red ⚠ checks that warn you when you're breaking the 20% rule.

✅ "Scale It" calculator. Ready-made splits for ₦1M, ₦5M and ₦20M, plus your own amount.

✅ Dividend watchlist planner. Build Bucket 3 across different sectors (not five banks), with yield, after-tax income and a screening checklist.

✅ The Never-Do checklist. Seven questions to answer honestly before you pay a single naira (borrowing, pension, school fees, the 2-year test…).

✅ Bonus: IPO allotment & refund estimator. If the offer is oversubscribed, see roughly how many shares you may actually receive and how much could come back to you.

✅ 6-page printable PDF. Prefer pen and paper? Print it, fill it in, sign it.

👤 WHO IT'S FOR

• You're in your 30s, 40s, 50s or beyond and want to invest without gambling your future.
• You have ₦500k, ₦5M or ₦50M and want a clear plan, not hype.
• You live in Nigeria, or in the UK, US or Canada and invest back home. There's a diaspora adjustment built in.

🧭 WHY LISTEN TO ME? I've invested in the Nigerian stock market for over 23 years. I've made money, I've lost money, and I rebuilt after almost losing everything. I'm not here to hype this IPO, and I'm not here to scare you away from it. I'm here to help you decide with a clear head.

"At 25, a bad bet is tuition. At 45, a bad bet is your retirement."

⏰ KEY DATE The Dangote Refinery IPO offer closes on 13 October 2026. Download now, fill it in tonight, and make your decision calmly.

👉 WANT TO GO DEEPER? The worksheet gives you the framework. My Dangote IPO Wealth Transfer Report gives you:

• the dividend stocks I'm personally watching for Bucket 3;
• the wider wealth opportunities around this IPO.

Get it here: https://thecoach.selar.com/dangoteipo

Educational illustration only — not personal financial advice. Figures are examples, not forecasts. No Dangote dividend has been declared; the proposed bonus share is pending approval. Subscribe for IPO shares only through your stockbroker or an SEC-approved channel.

© 2026 Ogbo Awoke Ogbo. All rights reserved. This worksheet is for your personal use only. It may not be reproduced, shared, resold or distributed without written permission.