Investment in Nigeria: 11 Powerful Ways to Grow Wealth

Looking for the best investment in Nigeria? Explore 12 profitable ideas you can trust to secure your future and earn great returns.

There are those scared of investing wrongly. Others don’t know which investment is safe and profitable. The good news is there are many investment options in Nigeria. Whether you have 5,000 naira or 5 million, there is an investment option for you. 

We’ve prepared this comprehensive guide to show you the best investments in Nigeria. We will also explain where to invest for great ROI, even with a small amount. 

Investment in Nigeria: 12 Smart Choices for 2025

All the methods listed below have proven over time to be very reliable investments opportunities in Nigeria,

Real Estate

According to a publication by Statista, “In Nigeria, the Real Estate market market is anticipated to achieve a value of US$2.61tn by 2025.” Real estate investment involves buying land or houses for holding or future sales. 

Purchased lands or houses can be built and sold later. You can also rent it out to make a steady income.

You must consider the location of the property before committing to investment. This is because location is very important in real estate; that’s what drives the growth of a property.

The value of land and houses goes up over time. Therefore, real estate is a good way to grow your money. It may need a lot of capital at the start, but the profit is usually worth it.

Mutual Fund

Mutual funds are one of the best and simplest ways for you to invest without stress.

Through mutual funds, many people bring their money together, and a professional manager helps invest it in things like stocks, bonds, or treasury bills. We’ve explained each of these options in another heading of this article.

The profits you earn depend on how well the investments perform. Mutual funds are good for beginners because you actually don’t need to do anything yourself. Also, you can start with small money and grow it over time. 

Additionally, there are different types of mutual funds in Nigeria, so it’s good you ask questions before choosing one. Companies like ARM, Stanbic IBTC, and Cowrywise manage them. 

Mutual funds have very low risks and you can cash out whenever you need the money.

Stock Market

The stock market is where you buy shares of companies. By buying company shares, you become a part owner of the company.  In situations where the company makes a profit, you get paid through dividends. You can also sell your shares for profit if the price goes up. 

“The main stock market index in Nigeria (NSE-All Share) increased 2827 points or 2.75% since the beginning of 2025, according to trading on a contract for difference (CFD) that tracks this benchmark index from Nigeria”. This is according to a publication on Trading Economics.

Investing in stocks can give you high returns, although it comes with high risk. 

This is because the price of shares can go up and down quickly. In Nigeria, you can invest or buy shares through investment platforms like Bamboo, Chaka, or the Nigerian Stock Exchange. 

And for you to perform well in the stock market, it’s good to learn about the company before you buy shares. Don’t just buy because people are buying. 

Fixed Deposit

Fixed deposit is another simple and safe way to invest your money in Nigeria.  What this means is that you put your money in a bank for a set period, usually 3 to 12 months. 

During this time, the bank pays you a fixed interest. It is better than just saving money in a regular account. The interest rate is higher, and you don’t have to worry about losing your money.

The only downside of a fixed deposit is that you can’t touch the money until the time ends.  In cases where you take the money early, the bank may not give the full interest.  Fixed deposit is great for people who don’t want any risk. You can open a fixed deposit at most Nigerian banks, and it’s a good way to invest and plan for the future.

Bond

Bonds are another safe way you can invest in Nigeria. When you buy a bond, you are lending your money to the government or a company. The government or company uses your money for projects and agrees to pay you back with interest after some time. 

Bonds give regular returns, and they are less risky than stocks. You can buy bonds from the federal government or companies. Usually, the interest is paid every six months or once a year, depending on the type of bond.

They are good for long-term planning and if you want a steady income. Bonds can be bought through banks or investment platforms like Stanbic IBTC, ARM, and others. It’s a steady way to invest and make money. 

Cryptocurrency

Cryptocurrency is still a controversial subject in Nigeria, especially when it comes to government policy and regulations. However, it is an exciting way to invest in Nigeria.

Cryptocurrency is digital money you can use, save, or trade online. The most popular crypto include Bitcoin, Ethereum, and USDT. 

Many Nigerians, especially young Nigerians, are making cool money from crypto. The value can grow fast, but it can also drop suddenly. That means it’s risky.  Crypto is not controlled or regulated by any bank or government. You need a crypto wallet and an app like Binance or Luno to begin your journey to cryptocurrency investment.

You must learn how it works before putting in your money. Also, only invest what you can afford to lose, as it is very risky.  While crypto can bring big gains, it’s important to be careful and avoid scams or risking what you can’t afford to lose. 

Agriculture

People must eat in order to survive. This is why agriculture is an evergreen business. It includes farming, fishery, poultry, and livestock. We have good lands and weather in Nigeria. 

You can grow crops like maize, rice, and cassava or raise animals like chickens or goats. You can sell your products in the local market or supply them to big companies. Agriculture may need some work, but it has a good profit. 

Foreign Currency Trading (Forex)

Forex trading means buying and selling foreign currencies to make a profit. You trade currencies like the US Dollar, Euro, or Pound against the Naira. Many Nigerians are now into forex because of the fast returns it brings. 

However, forex is also very risky. Prices change quickly, and you can lose money if you’re not careful. To start, you need a trading app like OctaFX and FXTM, internet, and basic training. 

Treasury Bills

Treasury bills are safe, short-term investments offered by the Nigerian government. When you buy a treasury bill, you lend money to the government. After a set time, like 3, 6 or 12 months, they pay you back with interest. 

A Treasury bill is a low-risk investment, perfect for people who want peace of mind. Treasury bills are better than keeping money in a regular savings account because they offer higher interest. 

You can buy them through banks or trusted investment apps. The profit is small, but sure. Many Nigerians use treasury bills to save for school fees, business, or emergencies.

FinTech

FinTech means financial technology. It is the use of apps and online tools to manage money. In Nigeria, many FinTech companies help people save, invest, send money, and get loans with just their phones. Examples include PiggyVest, Cowrywise, and Flutterwave. 

FinTech is growing fast because it is simple and easy to use. As a Nigerian investor, you can invest in these companies or use their services to grow your money. FinTech makes investing, saving, and spending easier for us Nigerians. 

Technology

Investing in technology means putting money into tech companies, startups, or services that use the internet, apps, or gadgets to solve problems. Tech is used in health, education, banking and transport sectors. 

Many young Nigerians are starting tech businesses, and some are growing very fast. You can invest by supporting a startup or buying tech company shares. 

Technology brings high returns, but you need to understand the space. It’s perfect for people who want to build wealth in the modern world. Tech is the future, and Nigeria is just getting started.

Best Investment in Nigeria 2025

In addition to the investment pathways we mentioned above, here are the best investments in Nigeria in 2024

Renewable Energy

Renewable energy means using natural sources like sunlight, wind, and water to create power. Solar panels are now very common in homes and businesses. With poor electricity supply in Nigeria, more people are turning to solar power. 

You can invest by selling solar products, installing them, or supporting renewable energy startups. The demand is high, and profit is steady. It also helps the environment. This is a good business for people who want to make money while solving a real problem. If you’re looking for a fresh and future-focused investment, renewable energy is a great place to start.

Trade

Trade means buying and selling goods or services. You can sell clothes, food, and electronics or even offer services like repairs. Many people start with small capital and grow over time. 

You can do trading full-time or part-time. Whether in a shop, online, or from home, trade works if you have the right product and good customer service. Nigerians love to buy, so there’s always a market. If you want quick cash flow and daily income, starting a small trade business is a smart and tested investment.

Education

Education is one of the best investments you can make in Nigeria. You can invest in education by starting a school, tutorial centre, or training course. Parents spend a lot on education, so the market is strong. 

You can also invest by creating online courses or starting a learning centre in your area. If you know, you can teach others and earn from it. 

Rental Income Opportunities

Rental income is a sweet and steady way to make money in Nigeria. It means owning something like a house, shop or car and collecting regular payments from people using it. You can rent out property, event items, cars, or equipment. 

In cities like Lagos and Abuja, rent prices are high, and people are always looking for places to stay or do business. The good thing is, once you set it up, the money keeps coming in monthly or yearly. It may take a big startup cost, but it brings in profit long-term. If you want income without working every day, rental investment is for you.

Savings Bond

A savings bond is a safe way to invest with the government. It’s like lending the government your money for a set time, and they pay you interest every 3 to 12 months. It’s good for people who want a calm, steady return. 

In Nigeria, the Federal Government Savings Bond is open to everyone, not just the rich. You can start with small money and still earn. It is low risk, and your money is protected. You buy it through banks. It’s perfect if you’re looking for a stress-free and secure place to put your money.

Commodity

Commodities are basic goods like gold, oil, rice, beans, or palm oil. People always need them, so there’s always a market. You can invest in commodities by buying and selling them for profit. 

Some people buy in bulk during harvest season and sell later when prices go up. Others trade in gold through investment platforms. Commodities can give good returns, but you must understand the market. Prices can rise or fall depending on demand and supply. 

If you like physical goods and want something outside banking or tech, commodity investment is a good option in Nigeria.

Exchange-traded funds (ETFs)

Exchange-traded funds, also called ETFs, are a smart and easy way to invest. They are like a basket of many investments like stocks, bonds, or commodities all packed in one. When you buy an ETF, you are spreading your money across different assets, which helps to reduce risk.

ETFs are traded on the stock market like normal shares, and their prices go up and down. In Nigeria, you can buy ETFs through platforms like the Nigerian Exchange (NGX) or apps like Chaka and Bamboo. With ETFs, you enjoy the benefits of many investments in one.

Manufacturing

Manufacturing means producing goods like food, drinks, clothes, cement, or even plastic. It is one of the most profitable ways to invest in Nigeria. People always need products, and local manufacturing reduces the need to import. 

You can start small by processing food items, making packaging materials, or producing local skincare products. Manufacturing creates jobs and supports the economy. It may require machines, space, and workers, but the returns are worth it. 

If you can produce quality goods and market them well, your business can grow fast. It’s a great investment for people who want to build something lasting and impactful in Nigeria.

Telecommunication

Nigerians use phones, data, and internet services every day. Investing in telecom means putting money into companies that provide these services or starting your own related business. You can sell SIM cards, mobile data, or recharge cards. 

You can also invest in shares of big telecom companies like MTN or Airtel. Telecom is always growing because people need to talk, chat, and stay online. It brings regular income and long-term value. As Nigeria becomes more digital, the demand for telecom will only grow stronger.

Real Estate Development

Real estate development is about building homes, shops, or offices and selling or renting them for profit. In Nigeria, the housing need is huge, especially in cities like Lagos, Abuja, and Port Harcourt. Developers who offer affordable and quality buildings make good money. 

This type of investment needs capital and planning, but it brings big rewards. You can also partner with others to build and share the profit. If you want to invest in something solid and long-lasting, real estate development is a great choice.

Bank Investment with Monthly Returns in Nigeria

If you’re looking for safe ways to grow your money and get paid every month, bank investments are a good option. Many Nigerian banks now offer investment plans that give you monthly interest. This means you earn without touching your capital.

For example, Stanbic IBTC has fixed income and mutual fund options that pay monthly. First Bank also offers fixed deposit plans where you can receive interest every 30 days, depending on your agreement. GTBank and Access Bank offer Treasury Bills and Fixed Deposit investments with flexible terms. You can start with as low as ₦50,000 in some banks.

These plans are good if you want a steady income to support your business, pay bills, or save for goals. Ensure you ask the bank for their current interest rate before you invest.

Where to Invest Money to Get Good Returns in Nigeria

Many Nigerians want to grow their money, but they don’t know where to start. If you want to know where you can invest money to get good returns in Nigeria, then this section is for you. 

The truth is that several options can give you steady profits, whether you have small or big capital. From trusted investment apps to real estate, bonds, and fixed-income plans, you can find something that matches your goals. Some places where you can invest to get good returns in Nigeria include: 

Risevest

Risevest is a digital investment platform that helps you grow your money in dollars. It allows you to invest in US stocks, real estate, and fixed income. You don’t need to know much about investing as they handle everything for you. 

Just choose a plan that fits your goal, fund your account, and watch your money grow. The app shows your earnings and lets you withdraw anytime. It’s great for Nigerians who want to protect their money from naira devaluation. 

If you’re looking for steady returns and a way to earn in dollars, Risevest is a smart choice.

Cowrywise

Cowrywise is a popular savings and investment platform in Nigeria. It helps you save money and earn interest over time. You can also invest in mutual funds with just a few clicks. 

Cowrywise is good for beginners because it’s easy to use and explains everything in simple terms. You can choose different plans either daily, weekly, or monthly savings. The interest rates are better than regular bank savings. 

They also offer halal investment for Muslims. With Cowrywise, your money is safe and grows slowly but steadily. It’s perfect if you want to build discipline and watch your savings increase.

Piggy Vest

PiggyVest is one of the most trusted savings and investment platforms in Nigeria. It helps you save money easily and earn up to 10% interest yearly. You can lock your money for a set time or withdraw on specific days. It also has investment options where you can earn even more, depending on the plan. The app is user-friendly, and you can automate your savings. 

Many Nigerians use PiggyVest to plan for rent, school fees, or business capital. It’s free to join, and you can start with any amount. If you need a simple and reliable way to save and grow your money, PiggyVest is a great choice.

Bond

Bonds are one of the safest ways to invest in Nigeria. When you buy a bond, you are lending money to the government or a company. In return, they pay you interest, usually every 3 months and return your money at the end of the period. 

Bonds are good for people who don’t want to take big risks. Government bonds, like the Federal Government Savings Bond, are secure. You can start with as little as ₦10,000. They are easy to buy through banks or trusted investment platforms. 

Afrinvest

Afrinvest is a Nigerian investment company that helps people grow their money through different financial services. You can invest in mutual funds, fixed income, stocks, and bonds through their platform. 

Afrinvest also provides expert advice and research so you know where your money is going. Afrinvest is great for both beginners and experienced investors. You can start with small amounts and grow over time. It’s a trusted company with a strong record. If you’re looking for a professional platform to manage and grow your money, Afrinvest is a good choice.

Fixed Income Investment

Fixed-income investments are plans where you earn regular interest over time. It’s like putting your money somewhere safe and getting paid monthly, quarterly, or yearly. Examples include bonds, fixed deposits, and Treasury Bills. 

They are great for people who want steady returns without too much risk. It’s ideal for people planning for the future or looking for passive income. If you want peace of mind and regular earnings, fixed income is for you.

Alternative Investments

Alternative investments are options outside traditional ones, like stocks and bonds. This includes real estate, agriculture, cryptocurrency, and private businesses. Many people invest in farms, short-let apartments, or even digital art (NFTs). 

These investments can bring high returns, but they also come with more risk. Some platforms now make it easier to invest in agriculture or real estate with small amounts. If you want to try something different and earn more, alternative investments are a good option. 

Real Estate

Real estate is one of the most popular ways to invest in Nigeria. It involves buying land, houses, or shops and making money from rent or price increases over time. In cities like Lagos, Abuja, and Port Harcourt, property value keeps going up. 

You can also make money by building and selling homes or renting out rooms (like Airbnb). Some people even start small by buying land in developing areas. Real estate takes time, but it brings big returns. 

Stanbic IBTC Aggressive Fund

The Stanbic IBTC Aggressive Fund is a mutual fund that aims for high returns. It’s good for people who want to grow their money fast and can handle some risk. The fund invests in things like stocks and high-yield bonds. 

You can start with as little as ₦5,000. Professionals manage the fund, so they make the investment decisions for you. Returns are not fixed, but if the market performs well, you can earn more than regular savings or fixed deposits. If you’re okay with some ups and downs and want to grow your money faster, this fund is worth considering.

Commodities

Commodities are raw goods like gold, crude oil, rice, or cocoa. You can invest in them by buying and selling at the right time. For example, some people buy bags of rice during harvest season and sell them later at a higher price. Others invest in gold through apps or brokers. 

Commodities are always in demand so that they can be a good source of profit. However, prices can go up or down depending on the season or market. Suppose you understand the market or can get good advice. In that case, commodity trading is a good way to earn money in Nigeria.

What To Invest In Nigeria with 100k

If you have little capital, like 100K, and you want to invest in something profitable, here are some ventures you can try: 

Catering Services

Nigerians love jollof rice and party vibes! Start a catering business with 100k. Buy cooking utensils, gas, and ingredients to serve small events like birthdays. Rent a space or cook from home to save costs. 

Promote your tasty dishes on WhatsApp, Instagram, or Facebook to attract customers. Offer home delivery for busy clients. With hard work, you can grow to cater to big events. Reinvest your profits to buy more equipment.

This business is perfect if you love cooking and want a steady income. Start small, deliver quality, and watch your catering business grow.

POS Business

Cash is king in Nigeria. A POS business lets you offer withdrawal and transfer services. With 100k, buy a POS machine and get a kiosk or use a table outside. 

Register with a bank or fintech like Moniepoint or OPay. People need cash daily, so you’ll have customers fast. Charge small fees per transaction to earn profits. Promote your service in busy areas like markets or bus stops.

This business is low-risk and high-demand, especially in areas with few ATMs. Save profits to open more POS spots. Start today and grow a steady income stream.

Blogging

If you love sharing ideas, you can start a blog with 100K. Register a domain name and hosting, then use WordPress or Wix to build your blog.

Write about Nigerian lifestyle, food, or news to attract readers. Post regularly to keep readers coming back. You can earn money through Google Adsense, sponsored posts, or affiliate links. 

Blogging takes time but can grow big with effort. Learn basic SEO to rank on Google. Share your posts on WhatsApp groups and X (formerly Twitter ) for more traffic.

Dropshipping

If you want to sell without stocking products, try dropshipping. With 100k, set up an online store using Shopify or WordPress. Sell trending items like gadgets or clothes. You can find suppliers in local markets like Balogun and Idumota markets in Lagos. 

Use your money for a website and social media ads to reach customers. When someone orders, the supplier ships directly to them. While you keep the profit

Online Retail 

Most Nigerians love shopping online. Start an online retail business with 100k. Sell hot items like clothes, shoes, or phone accessories on Jumia, Jiji, or Instagram. Use your money to buy small stock and take good product photos. 

Promote your store on social media to attract buyers. Offer fast delivery to stand out. You can start from home to save costs. Build trust by responding to customers quickly. Reinvest profits to buy more stock and grow.

Phone Charging Business

Power outages are common in most parts of Nigeria. You can start a phone charging business with 100k. Buy a small “I pass my neighbour” generator, extension cords, and charging cables. 

Set up in a busy area like a market, charge small fees per phone or gadget. Offer extra services like selling recharge cards to earn more. Promote your spot with flyers or word-of-mouth. 

Keep your generator fueled and maintain good customer service. This business is simple and brings daily cash. Save profits to buy a bigger generator or open another spot. 

Shawarma Business

Shawarma is a high-demand street food, especially in busy areas like bus stops, campuses, and nightlife zones. This makes it one of the most profitable low-investment businesses in Nigeria. 

With ₦100,000, you can start small, getting a tabletop grill, meat, pita bread, sauces, and packaging materials. You don’t need a full restaurant to start. A mobile stand or kiosk in a high-traffic area is okay. On average, shawarma sells for ₦1500 ₦3000 per wrap, with strong daily profits.

Laundry Business

Dirty laundry is what everyone has, but not everyone has the time to wash clothes. That’s where you come in. 

With 100k, you can start your own laundry business and wash the clothes of busy professionals or families around you. With the right equipment, detergents, and marketing strategy, your laundry business can become really popular in your area.

Beauty Salon

Nigerians, both men and women, love looking good. Start a small beauty salon with 100k. Rent a small space or use a corner at your home. Buy basic tools like a hairdryer, combs, and nail polish. 

Offer services like braiding, manicures, or makeup. Promote your salon on Instagram and WhatsApp to attract clients. Give discounts to first-time customers to build loyalty. Train to learn trending styles like gele tying or nail art. 

Reinvest your profits to buy more products or upgrade your space. This business is great if you love beauty and people.

Affiliate Marketing

If you want to earn online, try affiliate marketing with 100k. Promote products on platforms like Jumia or Amazon and earn commissions per sale. Use your money to buy a smartphone and data and run ads on Instagram or Facebook. 

Create a blog or social media page to share product links. Write about gadgets, fashion, or health to attract visitors. Promote your links in WhatsApp groups or on Facebook, Instagram or X for more reach. This business needs patience but can grow big. It’s perfect for you if you are tech-savvy and love to work online. 

Car Wash Business

In cities like Lagos, Abuja and Porthacout, there are thousands of cars on the road, and they get dirty every day. Rent a small space near a busy road. Buy buckets, soap, sponges, and a water pump. 

Offer car washing and polishing services. Charge fair prices to attract drivers, especially taxi or Okada riders. Promote with flyers or a signboard. Hire one helper to speed up work if needed.

Fruit Selling

Selling fruits is a great way to start a business with just 100k in Nigeria. With plenty of options like oranges, watermelons, and pineapples available year-round, there’s something for everyone. 

You can set up your fruit stand in busy areas. By offering fresh, tasty fruits at fair prices and being friendly to your customers, you’ll quickly build a group of regular buyers.

Baking Business

You can start a baking business with 100k. Buy an oven, baking pans, flour, and sugar. Bake snacks, chin-chin and cake for birthdays, weddings, or shops. Start from home to save costs.

Share photos of your yummy treats on WhatsApp and Instagram to get orders. Offer delivery for convenience. Reinvest profits to buy more ingredients or a bigger oven. This business is perfect if you love baking and creativity.

Wig Revamping and Cleaning

Wigs are a big trend among ladies in Nigeria. You can start a wig revamping and cleaning business with 100k. Buy wig stands, shampoos, conditioners, and brushes. 

Learn wig-making skills online for free to add services like ventilating. Promote on Instagram and TikTok with before-and-after photos. Target students, workers, or brides who love wigs. 

Cooking Business

Food vending is one of the most popular and profitable businesses you can start with 100k in Nigeria. Everyone needs to eat, and affordable, well-prepared meals will always attract customers, particularly in areas with busy workers, students, or commuters.

With a budget between ₦70,000 and ₦100,000, you can get started comfortably. This amount should cover the cost of ingredients, cooking gas, basic cooking equipment, disposable food containers, and some form of transportation. 

You can cook from home and deliver orders or operate a small mobile stand in a high-footfall area like a market or roadside junction.

Daily profits typically range from ₦2,000 to ₦5,000, depending on your pricing and sales volume. Over a month that can easily translate into ₦50,000 or more, especially if you offer tasty meals and maintain consistency.

To begin, focus on simple, popular dishes that are easy to prepare and travel well, such as jollof rice, spaghetti, beans, yam porridge, and moi-moi. 

Digital Marketing

Every business needs to grow online. If you have the skill, you can start a digital marketing service with 100k. Use your money for a mini laptop and data. If you currently don’t have the skill, learn skills like social media ads or content creation on YouTube. 

Offer to manage Instagram or Facebook pages for small businesses like salons or shops. Also, create catchy posts or run ads to grow their customers. Promote your services on WhatsApp or X to find clients. You can charge monthly fees for your work. 

Soap Making

Liquid soap is an essential item in every household that has a variety of uses, from washing dishes and doing laundry to cleaning surfaces. You can tap into this high-demand market with just 100k and a little creativity. By implementing the right marketing strategy and prioritizing quality, your liquid soap business has the potential to become a household name in a few months.

Event Management

If you’re someone who loves to organize, decorate, and coordinate celebrations, this small business idea is for you. Organizations and families celebrate events daily, and you can explore this opportunity for profit.

You can build your portfolio by planning small-scale events for family and friends. If you’re consistent enough, you can get referrals that can help you upscale to planning larger events. 

Mobile phone accessories

Smartphones are everywhere, and so are the accessories that go with them. With 100k, you can dive into the lucrative world of mobile phone accessories. Imagine stocking your shelves with trendy phone cases, fast chargers, and sleek screen protectors. 

Whether you choose to sell online or set up a physical store, the profit potential is fair. With the right mix of quality products and good marketing, you’ll have customers lining up to access their devices.

Clothing Business

The fashion industry in Nigeria is vibrant and diverse, giving you an opportunity in clothing retail and design. You can establish clothing businesses that cater to specific niches, such as casual wear, formal attire, or traditional outfits.

Use social media for marketing and staying up to date on fashion trends. Starting a clothing business can be an excellent opportunity if you have a passion for fashion.

Mini Supermarket (Provision Store)

With 100K, you can open a mini supermarket, commonly called a provision store. You can get a kiosk and get dozens of essentials. Ensure you stock stuff that people use every day so you can have a moving market and keep expanding. 

Agricultural Ventures

Agribusiness, also known as agricultural business, includes farming, managing, producing, and marketing agricultural commodities like crops and livestock. With just 100K, you can explore opportunities in crop farming, livestock rearing, and agribusiness. 

Best Dollar Investment in Nigeria

Here are some of the best ways Nigerians can invest and earn in dollars:

U.S. Stocks

Buy shares of top American companies like Apple, Amazon, and Microsoft through apps like Bamboo, Chaka, and Trove.

Dollar Mutual Funds

Invest in dollar-denominated funds offered by trusted firms like Stanbic IBTC Asset Management and ARM Investments.

US Real Estate 

Platforms like GText and Risevest allow you to invest in American real estate projects and earn rental income in dollars.

Top 10 Investment Apps in Nigeria

Bamboo

Bamboo is an investment app that lets Nigerians buy and sell US stocks easily. You can also invest in Nigerian companies. The app is simple to use. 

You open an account, fund it with naira or dollars, and start picking stocks. Bamboo also offers fixed returns plans where you lock your money and earn interest. It’s a good app if you want to grow your money in dollars and protect it from naira falling. Bamboo also gives you the option to invest in ETFs. It’s secure and trusted by many users.

Piggy Vest

PiggyVest started as a savings app but now also helps you invest. Through PiggyVest, you can invest in farms, businesses, and fixed-income opportunities. 

The app connects you to low-risk investments that offer good returns. It’s very simple to use. You can save daily, weekly, or monthly and also invest in small amounts. PiggyVest is trusted by many Nigerians and has a strong track record. If you want a place to save and invest easily without stress, PiggyVest is a great choice.

Chaka

Chaka allows you to invest in both Nigerian and international stocks. You can buy shares of top companies like Google or Nigerian banks straight from your phone. Opening an account is easy, and you can start with small money. 

Chaka also gives you access to government bonds and other safe investments. If you want to build a global portfolio while still having access to local stocks, Chaka is a smart platform to use.

ALAT by Wema

ALAT by Wema is Nigeria’s first fully digital bank, and it also offers investment options. With ALAT, you can put your money in high-interest savings and fixed deposit plans. 

They offer different savings goals and target plans where you earn higher returns than regular savings. Everything is done through the app, no need to visit a bank. Wema Bank backs ALAT, so your money is secure. It’s a good option if you want to save, invest, and also handle banking in one place.

Afrinvestor

Afrinvestor is an online investment platform owned by Afrinvest. It gives you easy access to Nigerian stocks, mutual funds, and bonds. You can open an account online, fund it, and start investing in minutes. 

Afrinvestor also offers research and expert advice to guide you. If you want to invest in the Nigerian stock market or buy government bonds safely, Afrinvestor is a good choice. They also offer fixed-income options for those who prefer low-risk investments.

Crowdyvest

Crowdyvest is a Nigerian investment platform that connects you to projects in agriculture, real estate, transportation, and more. You can invest small amounts and earn returns after a set time. 

The app focuses on safe, impact-driven investments. It’s very simple: you pick a project, fund it, and wait for your profit. Crowdyvest also offers savings plans with fixed interest rates. If you want to invest while also supporting industries that help Nigeria grow, Crowdyvest is a great option.

Cowrywise

Cowrywise is perfect for saving and investing without stress. You can invest in mutual funds managed by top companies. Just choose a plan based on your goal, either long-term growth, short-term saving, or halal investing. The app is very easy to use and has options for automatic saving. 

You don’t need big money to start. Cowrywise is safe and regulated by the SEC. It’s great for people who want to grow their savings steadily and learn about investment step-by-step.

Risevest

Risevest helps you to invest in dollars easily. You can invest in US real estate, stocks, or fixed-income products. Once you open an account and fund it, you choose a plan depending on your risk level. 

Risevest manages your money for you, so you don’t need to worry about picking individual stocks. Your returns are shown clearly on the app. If you want to earn in dollars and protect your money from naira losing value, Risevest is a good option.

Trove

Trove gives you access to invest in Nigerian, American, and Chinese stocks, all from your smartphone. You can start with as little as ₦10,000. Trove also offers bonds, mutual funds, and ETFs. 

After opening an account, you can fund it and start picking investments you like. Trove is easy to use and also teaches you about investing through their platform. If you want to invest in stocks from all over the world without leaving Nigeria, Trove is a great app to use.

Investment One

Investment One is a trusted Nigerian company that offers savings and investment services. Their app lets you invest in mutual funds, stocks, fixed income, and even insurance products. 

You can start with small money and grow it over time. Investment One also offers expert advice for better investment decisions. Their services are licensed by the Nigerian SEC. 

If you want a complete financial partner that handles savings, investments, and even pensions, Investment One is a reliable option.

Frequently Asked Questions

Conclusion 

Investing your money wisely is one of the best ways to secure your future in Nigeria. Whether you choose real estate, stocks, mutual funds, or savings apps, there are many good options today. Thanks to technology, platforms like PiggyVest, Risevest, Bamboo, and others have made it easier to start investing in small amounts. You don’t need to be rich to grow your money.

Before you invest, always take your time to understand how each option works. Start small, be consistent, and watch your money grow over time.