10 Best Investment Apps in Nigeria for Smart Investors in 2025

In recent years, Nigeria has witnessed a major shift in how people manage their finances, thanks to the rapid advancement of digital technology. The days when investments were reserved for the wealthy or financially elite are fading.

Today, with just a smartphone and internet access, everyday Nigerians can invest in a wide range of financial products from the comfort of their homes. This evolution is largely driven by the rise of fintech platforms, which have introduced new levels of accessibility, transparency, and financial education to the public.

As we step into 2025, the landscape of personal finance in Nigeria is changing more rapidly than ever before. Increasing financial literacy among young adults, urban professionals, and even rural entrepreneurs has created a strong demand for tools that simplify saving and investing.

More Nigerians are recognizing the importance of building financial security, and digital platforms are rising to meet that need by offering user-friendly interfaces, competitive returns, and robust security features.

Fintech innovations are not only transforming how people interact with money but are also promoting a culture of intentional financial planning. From micro-investing apps that allow you to start with as little as ₦500 to sophisticated platforms offering access to local and international markets, the digital investment ecosystem is becoming more inclusive and dynamic.

The year 2025 is a pivotal moment—Nigerians are no longer just consumers but active participants in the financial market. With growing trust in digital solutions and increasing interest in wealth creation, smart investors are now seeking platforms that combine convenience, safety, and profitability.

Whether you’re a first-time saver or an experienced investor, the right app can make all the difference. In this guide, we explore the top 10 investment apps that are empowering Nigerians to take control of their financial futures.

Criteria for Selection

To create a reliable list of the top 10 investment apps for Nigerians in 2025, we assessed each platform based on a set of essential criteria. These factors ensure that users not only have access to investment opportunities but also enjoy a secure, user-friendly, and educational experience.

1. User-Friendliness
A key requirement for any top-tier investment app is ease of use. The platforms selected are intuitive, well-designed, and accessible to both beginners and experienced investors. Features such as clean interfaces, simple navigation, and fast onboarding processes were prioritized to ensure users can manage their investments with confidence and convenience.

2. Range of Investment Options
The best investment apps offer a variety of financial products to suit different investment goals and risk appetites. These include savings plans, mutual funds, stocks (both Nigerian and international), fixed-income instruments, and cryptocurrencies. A diverse investment portfolio helps users make smarter decisions and reduce risk through proper asset allocation.

3. Security and Regulation
Security is non-negotiable. Each app on our list either operates with a license from the Securities and Exchange Commission (SEC) or partners with regulated financial institutions.

Features like two-factor authentication, encrypted transactions, and strict data protection policies were also considered. Regulatory compliance gives users peace of mind and ensures their money is in safe hands.

4. Transparency and Returns
Top apps provide clear information about fees, risk levels, and projected returns. We favored platforms that are honest about their performance history and don’t promise unrealistic gains. Consistency, stability, and fair interest or profit margins were major indicators of quality.

5. Customer Reviews and Support
Real user experiences were an important part of our evaluation. Apps with high ratings on Google Play and the App Store, as well as responsive and helpful customer support teams, ranked higher. Quick issue resolution and reliable communication show that a company values its users.

6. Educational Tools for Beginners
We gave extra credit to platforms that offer educational resources such as blogs, tutorials, financial tips, and in-app guidance. These tools empower users—especially first-time investors—to make informed decisions and develop long-term investment habits.

The 10 Best Investment Apps in Nigeria (2025)

1. Cowrywise – Great for Mutual Funds and Fixed Savings

Overview
Cowrywise is one of Nigeria’s most trusted digital investment platforms, widely recognized for making wealth management simple and accessible to everyone. Since its launch, it has evolved from a basic savings app into a robust investment hub, offering a range of financial products tailored for Nigerians looking to build consistent, long-term wealth.

Types of Investments Offered
Cowrywise allows users to invest in professionally managed mutual funds and fixed savings plans. These funds are diversified and managed by registered fund managers, giving users access to instruments like bonds, equities, and money market funds. The platform doesn’t offer crypto or stock trading but focuses on low to medium-risk investment assets.

Features and Benefits

• Automated Savings Plans: Users can set daily, weekly, or monthly saving schedules that align with their income flow.

• Mutual Fund Marketplace: Cowrywise partners with licensed asset managers to give users access to a wide range of mutual funds.

• Security and Regulation: Registered with the SEC and uses bank-level security features to protect funds and data.

• Goal-Based Planning: Users can create multiple savings goals for specific purposes like rent, school fees, or vacations.

• No Minimum Investment: You can start with as little as ₦100, making it highly inclusive.

• Mobile & Web Access: The app is accessible on both Android and iOS, as well as through a desktop browser.

Who It’s Best Suited For
Cowrywise is perfect for beginners and risk-averse investors who prefer safe, long-term investment plans. It’s also ideal for individuals who want to automate their savings while earning higher returns than traditional bank savings accounts. While it doesn’t cater to active stock or crypto traders, it’s a top choice for anyone focused on financial discipline, wealth preservation, and gradual growth.

2. Risevest – Dollar-Based Investments and Asset-Backed Plans

Overview
Risevest is a Nigerian investment platform that allows users to grow their wealth through high-quality dollar-denominated assets. It was created to help Nigerians hedge against the naira’s depreciation by providing easy access to global investment opportunities. In a time where currency volatility is a major concern, Risevest stands out by offering asset-backed, dollar-based plans that are both stable and growth-oriented.

Types of Investments Offered
Risevest focuses on three core asset classes:

• U.S. Stocks – Access to high-performing U.S. companies across various sectors.

• Real Estate – Asset-backed real estate investments that generate stable income.

• Fixed Income – Low-risk, dollar-denominated fixed income instruments with predictable returns.

Users invest in these assets through pre-curated portfolios that are managed by financial experts. There’s no need to pick individual stocks, making it ideal for passive investors.

Features and Benefits

• Dollar Investments: All assets are denominated in U.S. dollars, offering protection against naira depreciation.

• Pre-Curated Plans: Users choose from growth, fixed income, or real estate plans based on their risk appetite.

• Expert Management: Portfolios are actively managed by a team of investment professionals.

• Auto-Save Option: Automate your contributions weekly or monthly to stay consistent.

• Withdrawal Flexibility: Users can withdraw returns in either naira or dollars.

• Secure & Transparent: Risevest partners with SEC-registered entities and employs bank-grade security protocols.

Who It’s Best Suited For
Risevest is ideal for Nigerians looking to protect their wealth from inflation and currency risk. It suits medium to long-term investors who want global exposure without managing investments themselves.

Whether you’re saving for education, retirement, or simply trying to preserve the value of your income, Risevest provides a structured, reliable, and accessible platform for dollar-based investing.

3. Bamboo – Invest in U.S. Stocks and ETFs

Overview
Bamboo is a leading Nigerian investment platform that gives users direct access to U.S. stock markets. It was created to empower everyday Nigerians to own shares in some of the world’s most valuable companies like Apple, Tesla, Amazon, and Google. With a clean interface and an easy sign-up process, Bamboo has quickly become a go-to app for Nigerians interested in building wealth through global equities.

Types of Investments Offered
Bamboo primarily offers:

• U.S. Stocks – Buy and sell shares of individual American companies.

• Exchange-Traded Funds (ETFs) – Invest in diversified portfolios that track indexes like the S&P 500.

• Nigerian Stocks (Beta Feature) – Access select local equities directly through the app.

• Fixed Income (Coming Soon) – Bamboo has hinted at expanding into fixed-income investments.

All investments are priced in U.S. dollars, helping users hedge against the naira’s inflation and currency volatility.

Features and Benefits

• Real-Time Trading: Buy or sell stocks during U.S. market hours with real-time price updates.

• Fractional Investing: Start investing with as little as $1 by purchasing fractions of expensive stocks.

• Intuitive Interface: Sleek, user-friendly design makes navigating the app simple for beginners.

• Educational Tools: Offers in-app guides and blog articles to help users make informed decisions.

• Secure Transactions: Bamboo partners with SEC-regulated brokers and uses bank-level encryption for user data and funds.

• Portfolio Tracking: Real-time performance monitoring helps users manage and optimize their investments.

Who It’s Best Suited For
Bamboo is best for Nigerians who want exposure to the U.S. stock market and are comfortable with a moderate to high level of investment risk. It’s perfect for intermediate investors, dollar earners, or those looking to diversify beyond Nigeria’s economy. With its fractional investing feature, it also appeals to beginners who want to start small and gradually grow their portfolio in global markets.

4. Chaka – Local and Global Stock Trading

Overview
Chaka is a dynamic investment platform that bridges the gap between Nigerian and international capital markets. Designed with accessibility in mind, Chaka empowers Nigerians to invest in both local and foreign stocks from a single app.

With a strong emphasis on compliance and financial literacy, Chaka stands out as one of the few platforms that offer SEC-regulated access to Nigerian equities as well as stocks listed in the U.S.

Types of Investments Offered
Chaka provides access to:

• Nigerian Stocks – Trade shares listed on the Nigerian Exchange Group (NGX).

• Global Stocks – Invest in U.S. companies such as Facebook, Netflix, and Microsoft.

• ETFs – Gain diversified exposure to sectors or indices through Exchange-Traded Funds.

• Fixed Income (Limited Access) – Some curated plans include low-risk, fixed-income instruments.

The platform combines global opportunities with domestic investments, making it ideal for Nigerians who want a balanced portfolio.

Features and Benefits

• Dual Market Access: Buy and sell both Nigerian and global stocks in one app.

• Regulated and Secure: Registered with Nigeria’s SEC and partners with U.S.-licensed brokers for international trades.

• Fractional Shares: Start investing in top foreign companies with minimal capital.

• User-Friendly Interface: Clean layout with tools to research and track market performance.

• Real-Time Market Data: Get live pricing, news updates, and charts to make informed investment decisions.

• Custom Watchlists: Track favorite stocks across markets in a personalized dashboard.

Who It’s Best Suited For
Chaka is ideal for investors who want the flexibility of trading both locally and internationally. It’s a great option for intermediate users looking to diversify their holdings across markets or for Nigerians living abroad who want to stay connected to local investments.

Beginners can also benefit, thanks to Chaka’s accessible design and growing library of educational resources. If you’re looking to build a globally diversified portfolio with a Nigerian touch, Chaka offers the perfect gateway.

5. Trove – Fractional Shares and Diversified Portfolios

Overview
Trove is a pioneering Nigerian investment app that gives users access to both local and international financial markets. As one of the first platforms to offer fractional investing in Nigeria, Trove has made it easier for users to own parts of global companies without needing large capital.

With its commitment to financial inclusion and education, Trove has quickly become a favorite among young and tech-savvy Nigerians who want to explore diversified investment opportunities.

Types of Investments Offered
Trove offers a wide range of assets including:

• U.S. Stocks – Invest in global giants like Amazon, Tesla, and Google.

• Nigerian Stocks – Trade shares listed on the Nigerian Exchange.

• ETFs – Diversify with index and sector-based ETFs from the U.S. market.

• Bonds and Fixed Income – Invest in Nigerian government bonds and fixed-income products.

• Real Estate Investment Trusts (REITs) – Access real estate-backed securities.

• Cryptocurrencies (Beta) – Some users can invest in select crypto assets depending on platform updates.

Features and Benefits

• Fractional Investing: Users can buy portions of high-value stocks starting with as little as $1.

• Multi-Asset Access: Offers one of the widest ranges of investment options among Nigerian apps.

• Smart Dashboard: Track, manage, and analyze your portfolio in real time.

• Educational Resources: Includes blogs, news updates, and curated content to help users grow their financial knowledge.

• Secure Transactions: Partners with regulated brokers and employs strict security protocols.

• Naira and Dollar Wallets: Fund your account in local or foreign currency, depending on your preferences.

Who It’s Best Suited For
Trove is ideal for investors who want variety and control. It appeals to both beginners and seasoned investors looking to build a diversified portfolio across sectors and geographies.

Whether you’re interested in U.S. tech stocks, Nigerian banks, or bonds and REITs, Trove provides a flexible platform that meets a wide range of investment goals. It’s also perfect for learners who want to grow their financial literacy while investing at their own pace.

6. PiggyVest – Savings and Low-Risk Investment Plans

Overview
PiggyVest is one of Nigeria’s most popular fintech platforms, originally launched as a digital savings app before expanding into low-risk investment offerings. Known for its simplicity and discipline-driven approach, PiggyVest has helped millions of Nigerians build healthy financial habits by automating savings and providing access to secure, interest-yielding investment options. It’s a trusted platform for users who prefer safety and structure in their financial planning.

Types of Investments Offered
PiggyVest focuses on low to moderate-risk financial products, including:

• Fixed Savings – Lock money away and earn higher interest than regular bank accounts.

• Flex Savings – Flexible savings account with lower restrictions and instant access.

• Target Savings – Set specific goals (like rent, education, travel) and save towards them over time.

• SafeLock – A fixed deposit-like product that offers higher interest when funds are locked away for a specific duration.

• Investify – PiggyVest’s investment feature that gives users access to vetted, low-risk investment opportunities in agriculture, fixed income, and real estate.

Features and Benefits

• Automated Savings: Schedule daily, weekly, or monthly deposits directly from your bank account.

• Higher Returns than Banks: Earn up to 10–13% annual interest depending on the product and duration.

• SafeLock Feature: Earn higher interest by committing funds for longer periods.

• Investify Opportunities: Gain access to pre-vetted, low-risk investments with returns ranging from 10% to 25%.

• Security and Regulation: Funds are managed through partnerships with licensed financial institutions and investment firms.

• Zero Charges: No account maintenance fees or penalties for standard operations.

Who It’s Best Suited For
PiggyVest is perfect for beginners, cautious investors, and anyone looking to build a strong savings culture. It’s ideal for salary earners, students, freelancers, and even small business owners who want to automate savings, set financial goals, or earn passive income without taking on high risk. While it doesn’t offer stock or crypto trading, it remains one of the safest and most structured platforms for disciplined financial growth in Nigeria.

7. Passfolio – Invest in U.S. Stocks and Crypto

Overview
Passfolio is a U.S.-based investment app that has gained popularity among Nigerians and other international users for its global access to U.S. financial markets. Designed with international investors in mind, Passfolio enables users to buy and sell U.S. stocks, ETFs, and cryptocurrencies directly from their mobile devices.

With support for local currencies, including the Nigerian naira, and a strong emphasis on compliance and ease of access, Passfolio has become an attractive option for Nigerians looking to invest in dollar assets without being physically present in the U.S.

Types of Investments Offered
Passfolio offers a diversified range of assets, including:

• U.S. Stocks – Trade shares of companies like Apple, Microsoft, and Tesla.

• ETFs – Invest in index-based and sector-specific ETFs for diversification.

• Cryptocurrencies – Buy and sell popular crypto assets like Bitcoin, Ethereum, and others.

• REITs – Real Estate Investment Trusts available through the U.S. stock market.

Users fund their accounts in naira or dollars and invest in fractional shares, making the platform both flexible and accessible.

Features and Benefits

• Naira Support: Fund your account using Nigerian naira via local payment methods or bank cards.

• Dollar-Denominated Investments: Protect your savings from naira devaluation by investing in U.S. markets.

• Fractional Shares: Start investing with as little as $1 in high-value companies.

• Crypto Access: Trade a variety of cryptocurrencies alongside your stock portfolio.

• Regulated and Secure: Partnered with U.S. broker-dealers regulated by FINRA and the SEC.

• Multilingual Support: Offers in-app language settings and customer service tailored for international users.

Who It’s Best Suited For
Passfolio is ideal for Nigerians seeking exposure to both traditional and digital assets in global markets. It’s a strong choice for crypto enthusiasts, dollar earners, and tech-savvy investors who want to diversify their portfolio across stocks and crypto.

Beginners will also find it accessible due to fractional investing and a clean user interface. For anyone looking to grow wealth in U.S. dollars while managing risk, Passfolio offers a balanced and regulated solution.

8. I-Invest – Government Bonds and Treasury Bills

Overview
I-Invest is a Nigerian fintech platform designed to make fixed-income investing simple and accessible to everyday users. Launched with a focus on helping Nigerians directly access government-backed securities, I-Invest bridges the gap between retail investors and traditional investment markets. Its core strength lies in offering secure, low-risk investment options that preserve capital and generate predictable returns—perfect for conservative investors.

Types of Investments Offered
I-Invest specializes in fixed-income instruments such as:

• Federal Government Bonds – Long-term securities backed by the Nigerian government.

• Treasury Bills (T-Bills) – Short-term debt instruments with fixed interest returns.

• Eurobonds – Access to dollar-denominated government or corporate bonds.

• Commercial Papers – Short-term, high-yield instruments from trusted Nigerian companies.

• Fixed Deposit Products – Partnered with regulated institutions to offer high-yield savings alternatives.

This wide range of low-risk instruments allows users to generate passive income with minimal market volatility.

Features and Benefits

• Government-Backed Security: Most investments are backed by the federal government, ensuring high reliability.

• Real-Time Access: Users can view interest rates, maturity dates, and make purchases directly from the app.

• No Middleman: Invest directly in financial products traditionally accessed through brokers or banks.

• Affordable Entry Point: Start investing with as little as ₦10,000 depending on the product.

• Capital Preservation: Perfect for those prioritizing safety and long-term wealth protection.

• Regulated Platform: Partnered with licensed financial institutions and compliant with SEC regulations.

• Mobile Convenience: Easy-to-use app available on Android and iOS.

Who It’s Best Suited For
I-Invest is best for risk-averse investors who prioritize capital preservation over aggressive growth. It’s ideal for salary earners, retirees, or anyone seeking secure returns on their idle funds.

If you want an investment platform that offers stability, predictability, and government-backed security, I-Invest is a top choice in 2025. While it doesn’t support stock or crypto trading, it excels in delivering dependable income with minimal risk.

9. Wealth.ng – Broad Selection of Local Assets

Overview
Wealth.ng is a comprehensive Nigerian investment platform that brings a wide variety of local investment opportunities under one roof. Developed by WealthTech Limited and backed by Sankore Securities, the app aims to help Nigerians grow their wealth through easy access to professionally managed financial products.

Unlike many platforms that focus solely on foreign markets or fixed savings, Wealth.ng centers its offerings around trusted, local assets designed for both stability and long-term growth.

Types of Investments Offered
Wealth.ng provides users with access to a variety of asset classes, including:

• Mutual Funds – Invest in SEC-regulated funds managed by top Nigerian asset managers.

• Stocks – Trade shares listed on the Nigerian Exchange (NGX).

• Fixed Income Products – Includes treasury bills and other government-backed instruments.

• Real Estate (Indirect) – Some products offer exposure to real estate-backed investments through mutual funds.

• Savings Plans – Structured savings with better returns than traditional bank accounts.

By focusing on Nigerian markets, the platform encourages users to support the local economy while building their financial future.

Features and Benefits

• All-in-One Platform: Access multiple local asset classes from a single app.

• Licensed and Secure: Operated by a SEC-licensed firm and regulated under Nigerian law.

• Simple User Interface: Easy to navigate even for those new to investing.

• Flexible Investments: Start small and scale up as your confidence grows.

• Customer Education: Offers financial tips, guides, and tools to help users understand the Nigerian market better.

• No Hidden Fees: Transparent pricing and clear communication on expected returns.

Who It’s Best Suited For
Wealth.ng is ideal for Nigerians who prefer to invest locally and want an app that simplifies access to traditional and low-risk investment products. It suits first-time investors, professionals, and anyone who wants to support homegrown markets. If your goal is to build wealth with familiar, stable options while staying within regulatory comfort zones, Wealth.ng is a well-rounded choice in 2025.

10. Bitsika – Crypto-Based Investing and Cross-Border Finance

Overview
Bitsika is a cross-border finance and crypto platform that has gained popularity among Nigerians and other Africans for its fast, secure, and low-cost digital financial services.

Though not a traditional investment app in the classic sense, Bitsika offers users an alternative path to building wealth through cryptocurrency exposure, stablecoin savings, and digital wallets. In a world where crypto is reshaping how people transact and invest, Bitsika stands out for its simplicity and regional focus.

Types of Investments Offered
Bitsika doesn’t offer stocks or mutual funds, but it provides:

• Cryptocurrencies – Buy, hold, and transfer assets like Bitcoin, Ethereum, and BUSD (Binance USD).

• Stablecoin Wallets – Store value in dollar-pegged stablecoins like BUSD, offering protection from naira volatility.

• Peer-to-Peer Transfers – Send and receive money across African countries using crypto rails.

• Cross-Border Payments – Supports payments in multiple currencies including naira, cedis, CFA, and dollars.

While not an investment app in the traditional regulated sense, crypto enthusiasts often use Bitsika as a vehicle for asset appreciation and value storage.

Features and Benefits

• Instant Crypto Transfers: Send crypto instantly across borders with minimal fees.

• Dollar Stability: Use stablecoins to hedge against local currency inflation.

• Multi-Currency Support: Offers wallets for naira, cedis, CFA, and USD.

• User-Friendly Interface: Simple design for seamless transactions, even for crypto beginners.

• Low Transaction Costs: Cheaper than traditional banking or remittance options.

• Fast Onboarding: Register and start transacting within minutes.

Who It’s Best Suited For
Bitsika is ideal for crypto-savvy users and young Nigerians who want flexible control over their finances. It appeals to freelancers, remote workers, and digital entrepreneurs who earn or transact in foreign currencies and need efficient cross-border solutions.

While not suitable for risk-averse or traditional investors, it’s a strong choice for those seeking alternative assets, crypto-based savings, and fast international payments with low fees.

Choosing the Right Investment App in Nigeria (2025)

With the increasing popularity of digital finance in Nigeria, choosing the right investment app depends on your goals, risk tolerance, and preferred asset types. Whether you’re a beginner saving for the future or a seasoned investor diversifying across global markets, there’s a platform tailored to your needs.

For Low-Risk and Savings-Oriented Investors:
Apps like PiggyVest, Cowrywise, and I-Invest are perfect for building disciplined savings habits and investing in secure assets like treasury bills and mutual funds. These platforms are ideal for first-timers, salary earners, and those seeking capital preservation.

For Global Stock Market Access:
If you’re interested in owning shares of companies like Apple or Amazon, platforms such as Bamboo, Chaka, Trove, and Passfolio offer direct access to U.S. and local stocks. These are best suited for users with a moderate to high risk appetite and a desire to hedge against naira volatility.

For Dollar-Based and Asset-Backed Plans:
Risevest stands out for its professionally managed, dollar-denominated portfolios. It’s perfect for long-term investors seeking protection against inflation and consistent growth without hands-on trading.

For Local Asset Diversification:
Wealth.ng is a strong choice if you want access to local stocks, mutual funds, and fixed-income products—all in one place. It’s great for Nigerians looking to grow their wealth while staying focused on the local economy.

For Crypto Enthusiasts and Digital Nomads:
Bitsika offers an alternative approach through crypto and stablecoin investments. It’s ideal for tech-savvy users, freelancers, and those exploring borderless finance.

Comparison Table: Best Investment Apps in Nigeria (2025)

Conclusion

As Nigeria’s digital economy continues to evolve, more people are embracing the power of technology to take control of their financial future. The rise of user-friendly investment apps has removed traditional barriers like high capital, limited access, and complex processes. In 2025, investing is no longer reserved for a select few—it’s now an open path for anyone with a smartphone and a plan.

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Whether you’re saving for a long-term goal, looking to protect your money from inflation, or simply trying to grow your income, there’s an investment app designed to meet your needs.

From low-risk platforms like Cowrywise, PiggyVest, and I-Invest, to more dynamic options like Trove, Bamboo, and Passfolio, the choices are broad and flexible. Each app offers different features, asset types, and user experiences, so the key is to select one that aligns with your financial goals, risk appetite, and investment style.

It’s important to remember that investment is a journey—not a sprint. Building wealth takes time, consistency, and a willingness to learn. The right tools can help you stay disciplined, make smarter decisions, and manage risks effectively. Fortunately, the apps featured in this guide are equipped with educational resources, secure platforms, and helpful features to support you every step of the way.

So whether you’re just starting out or looking to diversify your portfolio, take the time to explore these platforms and choose the one that best fits your goals. In the long run, your financial future depends on the steps you take today—and with the right investment app, those steps can be smarter, simpler, and more rewarding than ever.

FAQs

Which are the best funds to invest in 2025?

When considering the best funds to invest in for 2025, it’s important to look at both global economic trends and your individual risk tolerance. Investment funds are collective pools of capital that are managed by financial professionals to generate returns.

These funds vary in risk levels, asset types, and return potentials. The best funds for 2025 are those that provide a balance of growth potential, diversification, and risk management, depending on your goals.

1. Index Funds and ETFs (Exchange-Traded Funds):
These are among the most recommended investments due to their low fees, broad diversification, and steady long-term performance. In 2025, index funds tracking the S&P 500, NASDAQ, or emerging markets (like MSCI Emerging Markets ETF) are expected to perform well, especially as economies stabilize post-global disruptions.

2. ESG Funds (Environmental, Social, and Governance):
As sustainability becomes a core focus, ESG funds are gaining popularity. They invest in companies with responsible practices and have shown resilience and profitability. These funds are ideal if you’re looking to invest with purpose while still earning decent returns.

3. Technology and AI-Focused Funds:
With the surge in AI, robotics, and automation, funds that focus on tech companies are becoming a hot choice. Mutual funds or ETFs centered on artificial intelligence, clean energy, and biotechnology are likely to see considerable growth in 2025.

4. Real Estate Investment Trusts (REITs):
REITs offer a way to invest in property markets without buying physical property. They provide consistent dividends and can act as a hedge against inflation. In 2025, REITs focusing on logistics, data centers, and residential housing may offer solid returns.

5. Dollar-Denominated Mutual Funds (in Nigeria):
For Nigerian investors looking to protect against naira devaluation, dollar mutual funds are a good choice. These funds help diversify currency exposure and offer access to international markets.

In conclusion, the best fund for you in 2025 depends on your goals—whether you want growth, stability, income, or diversification. Consulting with a licensed financial advisor before investing is strongly advised.

Which app is legit for investment in Nigeria?

In 2025, several investment apps have established a solid reputation in Nigeria for being trustworthy, user-friendly, and regulated. A legitimate investment app is one that is registered with the appropriate Nigerian financial authorities like the Securities and Exchange Commission (SEC) or the Central Bank of Nigeria (CBN), has transparent operations, and offers consistent returns without hidden risks.

1. Cowrywise:
Cowrywise is a SEC-licensed digital investment platform that helps users automate their savings and invest in mutual funds. It offers a variety of investment packages including halal savings, dollar investments, and diversified mutual fund options. Its partnership with trusted fund managers makes it a highly secure option.

2. PiggyVest:
PiggyVest is another well-known investment and savings app. It offers users options to save with interest, invest in pre-vetted opportunities through “Investify”, and earn higher yields than traditional banks. It is registered with the Corporate Affairs Commission and collaborates with regulated asset managers.

3. Bamboo:
Bamboo provides access to U.S. stocks, ETFs, and Nigerian stocks. It is popular among Nigerians who want to diversify their investments internationally. It operates under the regulation of the Nigerian SEC and provides a simple, user-friendly interface for stock investments.

4. Risevest:
Risevest is a mobile app that allows Nigerians to invest in U.S. real estate, stocks, and fixed income assets. It pools investor funds and manages them through carefully selected portfolios. The company is transparent and maintains investor education on how funds are managed.

5. Chaka:
Chaka is also licensed by the Nigerian SEC and gives investors access to both local and foreign stocks. The platform emphasizes compliance and security, making it a good option for beginners and experienced investors alike.

When considering any app, check for licensing, user reviews, transparency of returns, and customer support. Avoid apps promising unrealistic profits with no clear explanation of how they generate income. Legitimate investment apps are regulated, transparent, and built for long-term wealth building.

What investment is 100% safe?

No investment is entirely without risk, but some are considered significantly safer than others. In financial terms, a “100% safe investment” typically refers to options where the principal amount (your capital) is protected, and returns are guaranteed or predictable. These investments are not designed for massive profit but for stability and capital preservation.

1. Fixed Deposits:
Fixed deposit accounts, offered by banks, are one of the most secure investment options. Your money is locked for a specific period, and interest is guaranteed. Though the returns are low, the risk of loss is nearly zero, especially if your bank is insured by the Nigeria Deposit Insurance Corporation (NDIC).

2. Treasury Bills (T-Bills):
T-Bills are government-issued short-term securities. They are considered very safe because they are backed by the federal government. In Nigeria, you can buy them through your bank or digital platforms like Cowrywise or I-Invest. The risk is almost nonexistent, and your principal and interest are guaranteed.

3. Government Bonds:
Long-term federal government bonds are among the safest investment options. They are suitable for conservative investors and offer regular interest payments. Platforms like FGN Bonds or licensed investment houses allow you to participate.

4. Money Market Funds:
These are mutual funds that invest in short-term, low-risk assets like T-bills and commercial papers. They are managed by licensed fund managers and offer more liquidity than fixed deposits. Cowrywise, PiggyVest, and ARM offer access to these types of funds.

5. Real Estate (Low-Risk Areas):
Though not entirely risk-free, real estate in stable urban areas can be a secure long-term investment. It also offers capital appreciation and rental income.

In conclusion, while no investment is 100% risk-free, options like government-backed securities and insured bank products come closest. The key is understanding your risk tolerance and focusing on preserving capital, especially in uncertain economic times.

Where is best to invest in 2025?

The best place to invest in 2025 depends largely on your financial goals, risk appetite, and the economic climate. With global markets becoming more volatile and digital innovation accelerating, smart investment decisions require a balance of safety, growth, and diversification.

1. Technology Sector:
Investing in the tech industry remains one of the most promising opportunities in 2025. Areas such as artificial intelligence, cybersecurity, cloud computing, and renewable energy are expanding rapidly. Investing in global tech companies through stocks or ETFs can be a great way to benefit from long-term growth.

2. Real Estate:
Real estate remains a strong asset class, especially in growing cities across Africa and emerging markets. In Nigeria, investing in residential properties or rental units in developing areas like Lagos, Abuja, or Port Harcourt offers both capital appreciation and passive income. Fractional real estate investments via platforms like Risevest make this more accessible.

3. Mutual Funds and Dollar-Based Funds:
With inflation and currency volatility in Nigeria, dollar-denominated mutual funds help protect your investment value. These funds are managed by professionals and spread across global assets. Platforms like Cowrywise and ARM offer access to such funds.

4. Stock Market (Local & Foreign):
Diversifying your investments in both local and international stocks is key. You can use apps like Bamboo or Chaka to invest in foreign companies like Apple or Tesla, while also buying into Nigerian blue-chip companies listed on the NGX.

5. Treasury Instruments:
If your focus is on safety and guaranteed returns, consider investing in Treasury Bills and FGN Bonds. These are backed by the Nigerian government and offer stable income with minimal risk.

6. Agriculture & Commodities:
Agritech platforms like ThriveAgric and Farmcrowdy offer investment opportunities in agriculture. These provide both social impact and potential profit, although it’s important to assess the platform’s credibility.

In summary, the best place to invest in 2025 is one that aligns with your goals—be it safety, income, or growth. A smart investor balances high-growth opportunities with stable, low-risk assets to minimize loss and maximize returns.

Is there a 100% safe investment?

The term “100% safe investment” is somewhat misleading because all investments carry at least a minimal level of risk. However, some financial instruments are considered extremely low-risk and close to “safe” in terms of capital preservation and guaranteed returns.

1. Government Securities:
Investing in government-backed instruments like Treasury Bills, Savings Bonds, and Federal Government Bonds is considered one of the safest ways to grow your money. These are backed by the government, and the risk of default is extremely low.

2. Fixed Deposits in Banks:
Putting your money in a fixed deposit account is another low-risk option. Your principal is safe, and interest is predetermined. Nigerian banks insured by the NDIC add another layer of security for your funds.

3. Money Market Funds:
These funds invest in very short-term debt instruments and are managed by professionals. Platforms like Cowrywise and PiggyVest allow access to money market funds, offering better returns than regular savings without significantly increasing your risk.

4. US Treasury Bonds or Foreign Currency Bonds:
For those looking to shield their money from naira devaluation, U.S. government bonds or dollar-denominated funds offer stability and security. You can access these through fintech platforms that offer international investment services in Nigeria.

5. High-Yield Savings Accounts:
These accounts offer better interest rates than traditional savings and are considered safe if they’re offered by credible, licensed institutions.

Still, even these options are not truly “100% risk-free.” Economic instability, inflation, and currency devaluation can affect your returns. That said, such investments come as close as possible to being fully secure, particularly for conservative investors seeking capital preservation over aggressive growth.

To maximize your investment safety, always research the institution, ensure regulatory compliance (such as CBN or SEC registration), and diversify your holdings across secure asset types.

Where to invest money in 2025?

In 2025, deciding where to invest your money should depend on your financial goals, the level of risk you’re comfortable with, and the economic trends influencing both local and global markets. A diversified investment strategy remains the smartest approach for sustainable wealth growth.

1. Stocks and ETFs:
Investing in stock markets—both local (Nigeria Stock Exchange) and foreign (U.S., U.K.)—offers high potential returns. ETFs (Exchange-Traded Funds) that track sectors like tech, healthcare, or clean energy are great for diversification and long-term growth.

2. Dollar Investments:
Due to the volatility of the naira, dollar-based investments help protect the value of your money. Platforms like Risevest, Bamboo, and Trove offer access to dollar investments including foreign stocks, U.S. bonds, and real estate.

3. Real Estate:
With growing urbanization and demand for housing, real estate in Nigeria is a good choice. You can invest directly in land or housing or use digital real estate platforms to own property shares.

4. Mutual Funds and Money Market Funds:
Mutual funds offer professional fund management, ideal for beginners or those who prefer passive investing. Money market funds are also good for steady, short-term returns with minimal risk.

5. Government Bonds & Treasury Bills:
These are reliable for safety and predictable income. You can buy them through banks or platforms like Cowrywise and I-Invest.

6. Agriculture and Commodity Platforms:
Agri-investment platforms like Farmcrowdy or ThriveAgric allow you to fund farming operations and earn a share of the profits. While profitable, ensure the platform is well-reviewed and regulated.

In conclusion, the best place to invest in 2025 is a mix of safe and growth-oriented assets. By combining dollar investments, tech stocks, real estate, and low-risk government securities, you can manage risk while maximizing potential returns.

How to invest 100k in 2025?

Investing ₦100,000 in 2025 may seem modest, but with smart planning and diversification, it can be the foundation for long-term financial growth. The key is to spread your investment across different options that offer both safety and growth potential.

1. Split Between Savings and Investment:
You don’t need to put the entire ₦100,000 in a high-risk investment. A wise approach is to split it — for example, ₦30,000 in a money market fund or fixed deposit for safety and ₦70,000 in slightly riskier assets like mutual funds or digital investment platforms.

2. Use Fintech Apps:
Platforms like PiggyVest, Cowrywise, Risevest, and Bamboo allow you to invest small amounts in various financial products. For instance, Cowrywise lets you invest in mutual funds, while Risevest enables you to invest in U.S. real estate and stocks with as little as $10.

3. Invest in Dollar-Based Assets:
If you’re concerned about naira devaluation, consider investing part of your 100k in dollar-denominated investments through apps like Risevest or Bamboo. These platforms protect your capital from local currency depreciation and give access to foreign markets.

4. Agriculture Crowdfunding:
You can invest in agric-focused platforms like ThriveAgric or Farmcrowdy. These companies pool money from investors to fund real agricultural projects and share profits after harvest.

5. Digital Skills or Micro-Business:
Part of your 100k can go into acquiring a digital skill like design, content creation, or e-commerce. This isn’t a financial investment, but it could provide higher returns long-term through self-employment or freelancing income.

6. Cryptocurrency or Precious Metals (Optional):
For those who understand the risk, a small portion of your funds (say ₦10,000–₦15,000) can go into Bitcoin, Ethereum, or gold-based assets via platforms like Binance or Trove.

In summary, diversify your ₦100k between low-risk funds, digital apps, possibly foreign investments, and personal development. This not only protects your capital but also gives you a chance to grow your wealth gradually.

Which investment has the highest return?

The investment with the highest return is usually linked to high-risk assets, which can yield significant profits but may also lead to major losses if not managed carefully. While no investment is guaranteed to deliver consistently high returns, certain categories tend to outperform others over time.

1. Stocks and Equities:
Historically, stocks provide some of the highest long-term returns. Especially in the tech, biotech, and AI sectors, investors can see double-digit annual returns if they buy into promising companies early. Apps like Bamboo or Chaka allow Nigerians to invest in both local and U.S. stocks.

2. Cryptocurrencies:
Though highly volatile, cryptocurrencies like Bitcoin, Ethereum, and some altcoins have delivered astronomical returns in the past. For instance, early Bitcoin investors saw over 1,000% growth during bull runs. However, this market is highly speculative and should be approached cautiously.

3. Real Estate Development Projects:
Investing in real estate developments or flipping properties can yield high profits, especially in fast-developing urban areas. In Nigeria, areas around Lagos, Abuja, and Ogun State have shown high appreciation. Fractional ownership via platforms like Risevest offers access with lower capital.

4. Venture Capital or Startups:
Investing in startups (angel investing or equity crowdfunding) can lead to huge returns if the company succeeds. While this isn’t mainstream in Nigeria yet, platforms like GetEquity are beginning to offer such opportunities. It is risky but has high reward potential.

5. Dollar-Denominated Portfolios:
Investing in foreign exchange portfolios, international mutual funds, or ETFs that target high-growth sectors like AI, clean energy, or biotech can also bring strong returns, especially when combined with the benefit of currency protection.

In essence, the higher the potential return, the higher the risk involved. It’s wise to do thorough research or consult a licensed advisor before committing significant funds to any high-return asset.

What is the safest investment with the highest return?

Striking a balance between safety and high returns is often the biggest challenge for investors. Most investments that offer high returns also come with considerable risk. However, there are several options that manage to combine low-to-moderate risk with reasonable returns, especially if you’re patient and diversify properly.

1. Money Market Funds:
These are among the safest financial instruments and typically yield better returns than standard savings accounts. Offered by platforms like Cowrywise, ARM, and Stanbic IBTC, money market funds invest in government securities and corporate papers, providing both safety and modest interest (around 8–12% annually).

2. Federal Government Bonds:
In Nigeria, FGN Bonds are very secure and offer higher returns than fixed deposits. They’re backed by the government and typically pay interest every six months, with yields ranging from 10% to 14% depending on the tenure.

3. Dollar Investments via Mutual Funds:
Investing in dollar-denominated mutual funds protects your money from naira depreciation and provides access to foreign markets. These funds often focus on U.S. stocks or bonds and offer consistent returns of 6–10% annually.

4. Real Estate (Rental Income):
Owning property that generates monthly rental income is a safe long-term investment. If located in a prime area, your property value appreciates while also delivering cash flow. Real estate crowdfunding platforms also reduce the barrier to entry.

5. High-Yield Savings Apps:
Apps like PiggyVest and V Bank offer special savings accounts with higher interest rates. These are insured and regulated by the CBN, making them very safe with better-than-bank returns.

In conclusion, the safest investments with attractive returns include money market funds, FGN bonds, and dollar-based mutual funds. These options are ideal for conservative investors looking to grow their wealth without unnecessary risk.

Is it smart to invest 100k?

Yes, it is absolutely smart to invest ₦100,000 — regardless of how small it may seem. The key is in how wisely you manage and diversify that capital. Many people wrongly believe that investing is only for the wealthy, but in 2025, technology has made it easier to start investing with even modest amounts.

1. Power of Compound Growth:
Even a small amount like ₦100,000 can grow significantly over time if invested wisely. When you reinvest your returns, you benefit from compound interest, where your earnings generate additional returns, leading to exponential growth over the long term.

2. Financial Discipline:
Investing this amount teaches discipline and helps you build a habit of putting money to work rather than just saving. By tracking performance and learning about risk and reward, you become financially smarter and more prepared for larger investments in the future.

3. Access to Multiple Options:
With ₦100,000, you can invest in a variety of platforms. Apps like Cowrywise, PiggyVest, Risevest, and Bamboo allow you to start investing with small amounts. From mutual funds to stocks, and even real estate, you can gain exposure to diversified asset classes.

4. Dollar Protection:
Inflation and currency devaluation in Nigeria make local savings less powerful over time. Investing in dollar-based assets can help protect your money. Risevest, Chaka, and Bamboo offer such opportunities, allowing you to hold assets in more stable currencies.

5. Grow Towards Bigger Goals:
That ₦100k could be the beginning of your journey toward home ownership, education, or financial freedom. Even if it doesn’t seem like much now, investing it smartly can help you move closer to long-term goals.

In summary, investing ₦100k is not just smart — it’s strategic. Start small, stay consistent, and diversify your investments. With time, knowledge, and discipline, you can turn that 100k into a foundation for real wealth.

What is the best investment to get monthly income?

If your goal is to earn monthly income, you need investments that generate regular cash flow rather than long-term capital gains. Several investment options are tailored specifically for income generation and can provide steady returns every month when chosen carefully.

1. Rental Properties (Real Estate):
One of the most common ways to generate monthly income is through rental income. Buying a property and renting it out gives you steady cash flow. In Nigeria, short-let apartments or student housing in urban areas are particularly profitable. Even with fractional property platforms, you can start small and earn returns monthly.

2. Money Market and Fixed-Income Funds:
Platforms like Cowrywise, ARM, and Stanbic IBTC offer money market funds and fixed-income mutual funds that pay interest monthly. These are low-risk and ideal for those who want consistent income while preserving capital.

3. Dividend Stocks:
Investing in dividend-paying companies is a reliable way to earn monthly or quarterly income. Some apps like Bamboo and Trove let you invest in U.S. or Nigerian stocks that regularly pay out dividends. These dividends can be reinvested or withdrawn as income.

4. Peer-to-Peer Lending Platforms:
Some platforms allow you to lend money to small businesses or individuals and receive interest payments monthly. While this comes with a higher risk, choosing credible platforms with low default rates can be profitable.

5. Government Bonds with Coupon Payments:
Investing in FGN Bonds or Savings Bonds can also give you fixed coupon payments, which are usually paid every six months but can be staggered for frequent income.

6. Real Estate Investment Trusts (REITs):
REITs are investment vehicles that own and manage income-generating real estate. They are required to share profits with investors, often monthly or quarterly.

In conclusion, if your goal is stable monthly income, consider rental property, money market funds, dividend stocks, and government bonds. These options combine relative safety with regular returns, helping you maintain consistent cash flow.

Which investment is 100% risk free?

In reality, no investment is completely 100% risk free, but some come very close, especially those backed by governments or insured financial institutions. Risk-free investments are primarily focused on capital preservation, and while they may offer lower returns, they ensure your money is protected.

1. Treasury Bills (T-Bills):
These are short-term debt instruments issued by the Nigerian government. Since the government backs them, they are considered almost risk-free. You can invest in T-Bills through banks or digital platforms like I-Invest or Cowrywise.

2. Federal Government Bonds:
Longer-term than T-Bills, FGN Bonds are also backed by the federal government. They provide interest payments at fixed intervals (typically every six months) and are ideal for conservative investors.

3. Fixed Deposit Accounts:
Banks in Nigeria offer fixed deposit savings, which are safe and insured by the Nigeria Deposit Insurance Corporation (NDIC). While returns are modest, they guarantee your principal and interest.

4. Money Market Funds:
These are mutual funds that invest in very low-risk assets like T-Bills and bank deposits. Platforms like PiggyVest, ARM, and Cowrywise provide access to money market funds with daily interest and high liquidity.

5. Savings Bonds:
Offered by the Debt Management Office (DMO), these bonds are designed for retail investors and offer guaranteed interest backed by the federal government. They are affordable and ideal for individuals with low-risk tolerance.

6. High-Yield Savings Accounts from Licensed Apps:
Some regulated fintech apps offer higher interest savings plans with insurance cover, making them virtually risk-free.

In conclusion, while no investment can be 100% risk free in a technical sense, T-Bills, government bonds, money market funds, and insured fixed deposits are the closest options. These are excellent for preserving capital and earning steady, low-risk returns.

What is the best place to invest money right now?

The best place to invest money right now depends on several factors including your financial goals, risk tolerance, and time horizon. With economic uncertainties, currency fluctuations, and rapid technological advancements in 2025, it’s essential to focus on investments that offer both security and growth potential.

1. Dollar-Denominated Investments:
With the naira continuing to fluctuate, one of the safest and smartest places to invest is in dollar-based assets. Apps like Risevest, Bamboo, and Chaka allow you to invest in U.S. stocks, ETFs, and real estate, helping you hedge against local currency depreciation.

2. Mutual Funds (via Fintech Apps):
Platforms like Cowrywise, PiggyVest, and ARM offer access to mutual funds and money market funds, which are professionally managed and diversified. They are great for low-risk, medium-term investments and can yield steady returns with high liquidity.

3. Real Estate:
Real estate remains a dependable investment, particularly in fast-growing cities. Whether it’s buying land, owning rental property, or investing via digital real estate platforms like Risevest, this sector offers long-term capital appreciation and passive income.

4. Stocks and Dividend-Paying Equities:
Local and international stocks, especially those in tech, healthcare, and energy, are solid choices. Companies that pay regular dividends can also provide a steady income stream. Tools like Bamboo or Trove can help you access both local and foreign equities.

5. Treasury Bills and Bonds:
For conservative investors, FGN Bonds and Treasury Bills offer a near-guaranteed return and capital preservation. These are available via banks and investment apps like I-Invest or Stanbic IBTC e-trader.

6. Agri-Investment Platforms:
Investing in agriculture through platforms like ThriveAgric or Farmcrowdy allows you to earn returns while supporting local food production. Just be sure to vet the platform’s credibility.

In summary, the best place to invest right now blends safety, income, and diversification. For most people, a mix of dollar investments, real estate, and regulated mutual funds is a smart way to grow money in 2025.

How to invest 300k cash?

Investing ₦300,000 gives you more flexibility than smaller amounts and opens the door to a broader mix of asset classes. With the right strategy, you can use this amount to grow wealth, generate income, and diversify across risk levels.

Here’s a practical approach to investing ₦300k in 2025:

1. Diversify Across Risk Levels:
Split your money into three parts — for example:

• ₦100k for low-risk assets (money market, fixed deposits)

• ₦120k for medium-risk investments (mutual funds, dollar assets)

• ₦80k for high-risk/high-reward options (stocks or crypto)

2. Low-Risk – ₦100k:
Place this in money market funds via Cowrywise or ARM. These funds provide daily interest and high liquidity. Alternatively, a fixed deposit in a bank with NDIC insurance is a safe place for capital preservation.

3. Medium-Risk – ₦120k:
Use this for mutual funds and dollar investments. Platforms like Risevest and Bamboo allow you to invest in U.S. stocks, real estate, and ETFs. These help you hedge against inflation and currency depreciation.

4. High-Risk – ₦80k:
Invest this portion in local or foreign stocks, or small amounts in cryptocurrencies like Bitcoin or Ethereum. Use apps like Trove, Chaka, or Binance. Ensure you understand the risks before diving in.

5. Consider Learning or Business Tools:
If you’re entrepreneurial, a portion of your ₦300k can go into a small business or online course that builds a valuable skill. This kind of investment can have long-term returns.

6. Real Estate Fractional Ownership:
Some fintech apps offer real estate investment opportunities starting from as little as ₦20,000. With ₦300k, you can easily participate in such property-backed investments.

Ultimately, investing ₦300k smartly involves mixing safe, moderate, and growth-focused assets to reduce risk and optimize returns over time.

What is a good return on investment over 5 years?

A good return on investment (ROI) over five years depends on the type of asset you invest in, your risk tolerance, and market conditions. Generally, a good ROI is one that beats inflation, preserves capital, and grows your wealth steadily without unnecessary risk.

1. Benchmarks for 5-Year Returns:

• Low-Risk Investments like treasury bills or fixed deposits typically offer 7–12% annual returns, adding up to roughly 40–60% total over 5 years.

• Moderate-Risk Investments like mutual funds, REITs, or dollar-based portfolios might return 10–15% annually, totaling about 60–100% in five years.

• High-Risk Investments such as stocks, crypto, or real estate flipping can offer 20%+ annual returns, but come with a higher risk of loss.

2. What’s “Good”?
A good ROI over five years is typically in the range of 50% to 100% cumulatively, depending on your asset choices. This means if you invest ₦500,000 and grow it to ₦750,000 or ₦1 million in 5 years, that’s a successful return.

3. Factors That Influence ROI:

• Reinvestment of returns (compounding) can significantly increase your total profit.

• Currency strength — Investing in dollar-based assets may produce better ROI due to naira depreciation.

• Market volatility — Economic instability may either reduce or boost returns depending on timing and strategy.

4. Smart Approach:
To achieve a good ROI over 5 years, invest in diversified portfolios including mutual funds, stocks, real estate, and foreign assets. Monitor your performance yearly and rebalance when needed.

In conclusion, a good ROI over five years is one that outpaces inflation, protects your capital, and generates steady profit. Aim for 10–15% per year, which is both realistic and sustainable with smart investing.

What should I invest a 100k in?

Investing ₦100,000 in 2025 may seem like a small step, but it’s a smart move toward financial independence when done wisely. The key is to choose investment vehicles that balance safety, returns, and accessibility. With fintech apps and modern platforms, it’s now easier to diversify small amounts.

Here’s how you can allocate ₦100k strategically:

1. Mutual Funds (₦30,000–₦40,000):
Use apps like Cowrywise or PiggyVest to invest in mutual funds. These funds are managed by professionals and offer diversified exposure to low and medium-risk assets. Depending on the fund type, you can earn annual returns between 8–15%.

2. Dollar-Based Investments (₦20,000–₦30,000):
To protect your capital from naira devaluation, consider investing in dollar assets via Risevest, Bamboo, or Chaka. These platforms allow you to invest in foreign stocks, ETFs, or U.S. real estate starting from as low as $10 (approx. ₦15,000).

3. Money Market Funds (₦20,000):
For short-term savings and daily interest earnings, money market funds are ideal. These are low-risk and offer decent returns (about 9–11% annually), with high liquidity.

4. Skills or Online Courses (₦10,000–₦20,000):
Consider using part of the ₦100k to learn a skill—like digital marketing, graphics design, data analysis, or content writing. This isn’t a traditional investment, but it can deliver long-term financial benefits by increasing your income potential.

5. Crypto (Optional – ₦5,000–₦10,000):
If you’re willing to take on more risk, invest a small portion in cryptocurrency like Bitcoin or Ethereum using platforms like Binance or Bundle Africa. Be cautious and invest only what you can afford to lose.

In summary, your ₦100,000 can go a long way if you diversify it wisely. Combining mutual funds, dollar investments, and personal development ensures your money works for you both now and in the future.

Is my money safe in Fidelity?

If you’re referring to Fidelity Bank Nigeria, your money is generally considered safe, especially when deposited in savings, fixed deposit, or current accounts. Fidelity is a licensed commercial bank in Nigeria, regulated by the Central Bank of Nigeria (CBN) and protected by the Nigeria Deposit Insurance Corporation (NDIC).

1. Regulatory Oversight:
Fidelity Bank is subject to strict regulations by CBN, which ensures that they meet financial stability requirements and maintain customer protection. The NDIC insures individual deposits up to ₦500,000, meaning your funds are safeguarded even if something were to happen to the bank.

2. Savings and Investment Safety:
For savings and fixed deposits, your capital and agreed interest are secured. However, if you engage in investment opportunities offered through third-party platforms or external partners linked to Fidelity, always confirm that the product is CBN-approved or SEC-registered.

3. Digital Banking Platforms:
Fidelity Bank’s mobile and internet banking platforms are generally secure, using encryption and two-factor authentication. Still, it’s essential to protect your login credentials and avoid phishing scams.

4. Customer Service and Reliability:
Fidelity Bank has a strong track record of customer support and timely transaction processing. They also offer financial education, helping users manage their funds better and avoid risky schemes.

5. Things to Watch For:

• Ensure you’re dealing with the official Fidelity Bank channels.

• Avoid sharing OTPs or personal data with anyone.

• Be cautious of unofficial “investment schemes” that claim affiliation with the bank.

In conclusion, your money is safe with Fidelity Bank Nigeria as long as you use their regulated products and maintain standard digital security practices. It’s a reliable institution with a reputation for responsible banking and customer protection.

What type of investment has the highest risk?

The investments with the highest risk are typically those that promise high returns in a short period or depend on volatile market conditions. While these options can be profitable, they also come with the possibility of significant financial loss. Understanding these risks can help you make smarter decisions.

Here are the top high-risk investments:

1. Cryptocurrency:
Cryptos like Bitcoin, Ethereum, and other altcoins are among the most volatile investments. Their prices can swing dramatically within hours, influenced by news, speculation, and market sentiment. While they offer high return potential, they are extremely unpredictable.

2. Forex Trading:
Foreign exchange (forex) markets can yield fast profits, but they are also highly risky. Factors such as leverage, market news, and geopolitical events can lead to rapid losses. Many beginner traders lose money due to poor risk management or lack of experience.

3. Penny Stocks and Unregulated Equities:
Investing in low-priced stocks or companies not listed on major exchanges (also known as penny stocks) can be very risky. These stocks are often illiquid, poorly regulated, and prone to pump-and-dump schemes.

4. Peer-to-Peer Lending (P2P):
P2P lending platforms allow individuals to loan money to others with the promise of interest. However, if borrowers default and the platform has no insurance or recovery mechanism, you could lose your money.

5. Real Estate in Unstable Locations:
While real estate is often considered stable, buying properties in underdeveloped or politically unstable regions carries high risk. Issues like land disputes, poor infrastructure, or lack of title documents can lead to loss of capital.

6. Ponzi Schemes and “Too Good to Be True” Platforms:
Many high-risk “investments” in Nigeria pose as legit businesses promising 30–50% monthly returns. These are often Ponzi or pyramid schemes, which collapse when new investments stop coming in.

In summary, high-risk investments may offer high returns, but they also come with the real danger of losing all your capital. Always research thoroughly, avoid unregulated platforms, and never invest more than you can afford to lose.

Is PiggyVest approved by CBN?

No, PiggyVest is not directly licensed by the Central Bank of Nigeria (CBN) because it is not a traditional bank. However, that doesn’t mean it’s unsafe. PiggyVest operates as a financial technology platform that partners with licensed financial institutions to offer savings and investment services. The key to understanding its legitimacy lies in the way it structures its services.

1. Operates Through Licensed Partners:
PiggyVest partners with a Microfinance Bank that is fully licensed and regulated by the CBN. This means that while PiggyVest itself does not hold a direct banking license, your funds are handled by institutions that are under CBN oversight.

2. Funds Are Insured:
PiggyVest claims that all savings on the platform are insured with the Nigeria Deposit Insurance Corporation (NDIC) through its banking partners. This adds a level of financial protection for users in the event of unforeseen issues.

3. SEC Regulation for Investments:
When it comes to the Investify feature on PiggyVest, which allows users to invest in various vetted opportunities, the platform partners with SEC-registered investment companies to manage these funds. This ensures compliance with Nigeria’s capital market laws.

4. Strong Security Measures:
PiggyVest uses modern encryption and data protection standards to keep users’ funds and information secure. They also have a strong reputation for reliability and customer support, with millions of users across Nigeria.

5. Transparent Operations:
One reason PiggyVest has remained trusted since its founding in 2016 is its commitment to transparency. Users receive full breakdowns of their returns, transaction history, and account activity.

In conclusion, while PiggyVest is not directly approved by CBN, it is still considered a legitimate and safe platform because it operates in partnership with licensed banks and investment firms. It’s essential to use only the official PiggyVest app or website and regularly monitor your transactions for added security.

Which app is better to invest money?

Choosing the best app to invest money in 2025 depends on your goals—whether you’re looking for safety, returns, dollar protection, or diversified portfolios. Fortunately, several trusted platforms in Nigeria offer convenient, secure, and regulated investment opportunities through mobile apps.

Here are some of the top investment apps in Nigeria, each suited for different needs:

1. Cowrywise – Best for Mutual Funds & Long-Term Savings:
Cowrywise offers a wide range of mutual funds, money market options, and automated savings plans. It’s SEC-licensed, easy to use, and ideal for beginners and long-term planners.

2. PiggyVest – Best for Safe Savings + Simple Investments:
PiggyVest is widely trusted for helping users save consistently. Its Investify feature allows you to invest in pre-vetted opportunities like agriculture and fixed income, with solid transparency and a user-friendly design.

3. Risevest – Best for Dollar Investments:
If you’re looking to protect your money from naira depreciation, Risevest is a great choice. It offers U.S. stocks, real estate, and fixed income portfolios—all managed by financial experts in dollars.

4. Bamboo – Best for U.S. Stocks & ETFs:
Bamboo lets Nigerians invest directly in the U.S. stock market. You can buy shares in Apple, Google, Tesla, and more. It’s perfect if you’re focused on international stock market exposure.

5. Chaka – Best for Dual Market Access (Local & Foreign):
Chaka allows you to invest in both Nigerian and international stocks. It’s SEC-regulated and offers a simple dashboard for tracking your investments.

6. Trove – Best for Beginners in Stock Trading:
Trove supports stock and ETF investing with low entry amounts. It’s ideal for first-time investors who want to explore both local and foreign equities.

Final Verdict:
If you’re saving and want stable local investments, go with Cowrywise or PiggyVest. For dollar protection and higher growth, choose Risevest or Bamboo. Always check for regulation, user reviews, and ease of use before investing.

What is the best investment in Nigeria right now?

In 2025, the best investment in Nigeria depends on your objectives—whether you seek safety, income, or growth. However, a few options stand out due to their performance, accessibility, and ability to protect against inflation and naira devaluation.

Here are the top investment options right now:

1. Dollar-Denominated Investments:
With the naira’s instability, investing in dollar assets is crucial. Platforms like Risevest, Bamboo, and Chaka offer access to U.S. stocks, ETFs, and real estate portfolios that help you preserve value and earn in foreign currency.

2. Mutual Funds and Money Market Funds:
For steady growth with low risk, mutual funds and money market funds are ideal. Apps like Cowrywise and ARM allow you to invest in diversified portfolios that earn between 8–15% annually. They are safe, SEC-regulated, and good for medium- to long-term goals.

3. Real Estate:
Owning property or participating in fractional real estate investment is one of the best long-term plays. Urban areas like Lagos, Abuja, and Port Harcourt continue to grow in value. Some platforms now offer real estate investing from as low as ₦20,000.

4. FGN Bonds and Treasury Bills:
If you want government-backed safety, invest in Federal Government Bonds or T-Bills. These offer stable returns, often between 10–14% annually, and protect your principal.

5. Agric-Tech Platforms:
Agri-based investments via platforms like ThriveAgric allow you to fund farming projects and earn a share of the profit. While some risk is involved, many offer insurance to protect investor capital.

6. Dividend Stocks:
Investing in Nigerian or U.S. stocks that pay regular dividends (like MTN, Dangote Cement, or Coca-Cola) can provide a steady income stream.

In summary, the best investment in Nigeria today is a diversified portfolio that includes dollar assets, real estate, and regulated mutual funds. The goal is to balance safety, income, and long-term growth in an ever-changing economy.

What is the most trusted investment app?

In today’s digital world, the most trusted investment app must meet specific criteria: regulatory compliance, user security, transparent returns, and positive user reviews. Fortunately, Nigeria has several reputable platforms that stand out for their reliability and track record.

Here are the most trusted investment apps in Nigeria as of 2025:

1. Cowrywise – SEC Regulated & Transparent:
Cowrywise is one of the most trusted investment apps in Nigeria. It is fully registered with the Securities and Exchange Commission (SEC) and offers a wide range of investment options, including money market, mutual funds, and fixed-income portfolios. The app is user-friendly, educates its users, and provides full transparency on returns, risks, and portfolio managers.

2. PiggyVest – Popular & Secure:
PiggyVest has built a solid reputation since launching in 2016. Known for its savings features, it also offers Investify, where users can invest in low-risk, vetted opportunities. Though it doesn’t hold a direct CBN license, it partners with licensed microfinance banks, ensuring proper fund management. PiggyVest is insured and trusted by millions.

3. Risevest – Trusted for Dollar Investments:
Risevest offers dollar-denominated portfolios managed by finance professionals. It focuses on U.S. real estate, stocks, and fixed income. The platform provides users with diversification, regular updates, and detailed reporting, making it a go-to for currency protection and capital growth.

4. Bamboo – Best for U.S. Stock Access:
If you’re interested in foreign stock markets, Bamboo is among the most reliable apps in Nigeria. It is registered with the SEC and partnered with U.S. brokerage services to ensure your investments are legally protected and properly managed.

5. ARM & Stanbic IBTC Apps – Institutional Backing:
If you prefer traditional financial institutions, ARM and Stanbic IBTC offer investment platforms backed by decades of experience. Their apps allow access to mutual funds and wealth management services with strict oversight.

In conclusion, Cowrywise, PiggyVest, and Risevest are the most trusted investment apps today in Nigeria due to their transparency, ease of use, and regulatory partnerships. Always verify that an app is SEC-licensed or working with licensed institutions before investing.

What is the best investment for daily income?

If you’re looking for an investment that delivers daily income, you need options that offer frequent interest payouts, high liquidity, and low risk. While most traditional investments offer weekly or monthly returns, a few platforms in Nigeria now provide daily earnings opportunities — especially with the rise of fintech solutions.

Here are the best options for earning daily income from investments in 2025:

1. Money Market Funds (Daily Interest):
This is one of the safest ways to earn daily returns. Platforms like Cowrywise, PiggyVest, and ARM offer money market funds that pay interest every day. These funds invest in low-risk securities like treasury bills and commercial papers. You can withdraw your funds at any time, making them flexible and ideal for short-term goals.

2. Fixed Income Notes with Daily Accrual:
Some investment platforms provide fixed income instruments that accrue daily interest. These aren’t always withdrawable daily but you can track the returns on a daily basis, which gives you a clear view of your growing investment.

3. Savings Plans with Daily Interest:
Apps like PiggyVest (SafeLock) and VBank have savings features that reward users with daily interest on locked funds. While you can’t always access your money instantly, the interest is visible and accumulates daily.

4. Agri-Tech or Business Lending (Higher Risk):
Platforms like Farmcrowdy or P2P lending sites sometimes offer daily or weekly interest payouts, though these are riskier. Be sure the platform is insured or regulated, as these models often depend on the success of external projects.

5. Staking (Crypto):
If you’re into cryptocurrency, staking stablecoins (like USDT or BUSD) on platforms like Binance can yield daily rewards. This comes with risk but offers higher returns than fiat accounts.

In summary, for reliable daily income, money market funds and daily interest savings apps are the best options. They’re regulated, low risk, and perfect for building passive income gradually.

Which investment is best in Nigeria for beginners?

For beginners in Nigeria, the best investment is one that is easy to understand, accessible with small capital, and relatively low risk. The goal for new investors should be to learn while earning, not to chase high returns at the expense of safety.

Here are the top investment options for beginners in 2025:

1. Mutual Funds via Cowrywise or PiggyVest:
These are beginner-friendly because you don’t need any prior investment knowledge. Mutual funds pool money from many investors and are managed by professionals. Platforms like Cowrywise and PiggyVest offer several fund types — from conservative to growth-oriented — with minimum investments as low as ₦1,000.

2. Dollar Investments on Risevest:
If you’re looking to protect your money from naira devaluation, Risevest is a great app for beginners. It offers access to dollar-based portfolios such as U.S. stocks, real estate, and fixed income. You don’t need to pick individual stocks — everything is managed for you.

3. Treasury Bills and Bonds (via Banks or I-Invest):
These are government-backed investments with guaranteed returns. You can invest with low amounts through apps like I-Invest or directly via your bank. They are perfect for learning about fixed-income investments while keeping your money secure.

4. PiggyVest SafeLock:
If you’re just starting and want to grow a savings habit, PiggyVest’s SafeLock allows you to lock money for a fixed time and earn interest. It teaches discipline and yields better returns than a regular savings account.

5. Stock Market (via Bamboo or Trove):
If you’re curious about stocks, apps like Trove and Bamboo offer simplified access to Nigerian and U.S. stocks. Start small, follow company performance, and learn gradually.

6. Real Estate Savings Plans (e.g. through Risevest):
With as little as ₦10,000, you can invest in fractional property ownership, making real estate accessible even to first-time investors.

In summary, the best investments for beginners are those that offer low entry points, hands-on learning, and professional management. Start with mutual funds, dollar assets, and government securities for a safe and educational experience.

Is it safe to invest in Cowrywise?

Yes, Cowrywise is generally considered a safe and trustworthy platform for investing in Nigeria. It is one of the leading fintech apps that has built a solid reputation for offering accessible and regulated investment opportunities to Nigerians.

Here’s why Cowrywise is a secure place to invest your money:

1. SEC Regulation:
Cowrywise is registered with the Securities and Exchange Commission (SEC) in Nigeria as a fund/portfolio manager. This registration means that the platform is legally authorized to operate and is subject to regulatory oversight. That provides users with a layer of security and legitimacy.

2. Funds Are Managed by Licensed Asset Managers:
Cowrywise partners with top-tier mutual fund managers like ARM, Meristem, and United Capital, which are fully regulated financial institutions in Nigeria. This means your funds are not just sitting idle — they are professionally managed to earn safe returns.

3. Security Infrastructure:
Cowrywise uses bank-grade encryption and data protection technologies to secure user accounts. They also offer two-factor authentication (2FA) and regular account alerts, which help users monitor account activity and prevent unauthorized access.

4. Transparency:
One of Cowrywise’s strengths is its commitment to transparency. Users get a clear breakdown of returns, fund types, risk levels, and performance history before investing. The app also sends regular updates about the performance of your investments.

5. Low Entry Barrier:
With as little as ₦1,000, anyone can begin investing, which democratizes access to financial growth. For beginners, this is a safe way to learn and build confidence without putting large amounts of money at risk.

6. No Withdrawal Delays:
Users can withdraw their funds anytime from most of the mutual fund types (except locked savings), making it flexible and user-friendly.

In summary, Cowrywise is a legitimate, regulated, and user-focused platform that offers safe investment options. It’s ideal for beginners and those looking for low-risk ways to grow their money.

Does OPay have an investment platform?

As of 2025, OPay does not have a dedicated investment platform like Cowrywise or PiggyVest. OPay is primarily a mobile money and payment platform that focuses on financial services such as money transfers, bill payments, airtime purchases, and savings.

However, while OPay does not directly offer investments, here’s what you should know about what it does offer:

1. OWealth – Their Closest Investment Feature:
OPay offers a feature called OWealth, which allows users to earn daily interest on their savings. While not a full-fledged investment platform, OWealth works like a money market fund, providing modest interest returns. The interest is accrued daily and added to your account balance.

2. Interest Rates:
The returns from OWealth are relatively small compared to formal investments like mutual funds or stocks. However, it is very low risk and offers instant access to your funds — making it attractive for users who want liquidity plus earnings.

3. Accessibility:
OWealth is embedded in the OPay app, making it easy for users to activate and manage. There’s no need for a separate app or account. This simplicity is one of OPay’s biggest advantages for entry-level savers.

4. Not SEC-Regulated as a Portfolio Manager:
Since OWealth is more of a savings enhancement feature rather than a traditional investment vehicle, it is not directly regulated by the Securities and Exchange Commission (SEC) like Cowrywise or Risevest.

5. Security:
OPay is regulated by the Central Bank of Nigeria (CBN) as a mobile money operator. It also uses strong encryption and transaction verification methods, so your funds are safe from unauthorized access.

In conclusion, while OPay doesn’t offer advanced or diversified investment options, it does provide a basic savings-with-interest feature through OWealth. It’s a good option for earning daily interest on idle money, but not for long-term investment growth.

Which platform is best for investment in Nigeria?

The best platform for investment in Nigeria depends on your financial goals — whether you’re looking for savings, growth, foreign investment, or risk-managed portfolios. Fortunately, Nigeria’s fintech space offers multiple platforms that cater to these different needs, each with unique strengths.

Here are the top investment platforms in Nigeria for 2025:

1. Cowrywise – Best for Mutual Funds & Beginners:
Cowrywise remains one of the most trusted platforms, especially for those looking to invest in mutual funds. It is SEC-registered, easy to use, and offers various low- to medium-risk options. Users can start with as little as ₦1,000.

2. PiggyVest – Best for Saving + Simple Investing:
Known for its popular savings features, PiggyVest also offers Investify, where users can invest in vetted opportunities with predictable returns. It’s especially ideal for those who want both savings discipline and returns.

3. Risevest – Best for Dollar-Based Portfolios:
Risevest helps you beat naira devaluation by investing in U.S. stocks, real estate, and fixed income assets. The platform is professionally managed, making it perfect for people who want international exposure with expert oversight.

4. Bamboo – Best for Direct Stock Trading:
If you want to invest in individual U.S. stocks, Bamboo is an excellent platform. It’s user-friendly, transparent, and regulated in partnership with licensed custodians and brokers.

5. ARM and Stanbic IBTC – Institutional Options:
For those who prefer traditional institutions, ARM and Stanbic IBTC offer investment apps with strong regulatory backing. You can invest in mutual funds, bonds, and retirement products with high confidence.

6. Chaka – Dual Access (Local + Global):
Chaka allows users to invest in both Nigerian and international stocks, making it versatile for diversified portfolios.

In conclusion, the best investment platform for you depends on your goal. For low-risk beginners, Cowrywise is great. For currency protection, go with Risevest. For stock market access, Bamboo or Chaka is ideal. And for savings plus investing, PiggyVest is a solid all-in-one option.

How much can I invest in Cowrywise?

There is no fixed maximum limit on how much you can invest in Cowrywise, but there are minimum amounts required to start investing, and certain limits may apply depending on the fund manager or payment method you use. Cowrywise is built to accommodate both small savers and high-net-worth individuals, making it flexible for all levels of investors.

1. Minimum Investment Requirements:

• You can begin investing on Cowrywise with as little as ₦1,000.

• For some mutual funds or specialized plans, the minimum may range from ₦5,000 to ₦10,000, depending on the type of fund you select (e.g., equity fund, bond fund, or balanced fund).

2. No Maximum Investment Cap (Technically):

• Cowrywise does not place a hard limit on how much you can invest overall.

• However, if you’re making large deposits, your bank or card provider may have transaction limits, especially for card or online payment channels.

3. High-Volume Investments:

• If you plan to invest ₦500,000 or more, Cowrywise recommends contacting their support team to help guide you on the best fund combinations and confirm transfer procedures, especially if using bank transfer or automated plans.

4. Dollar-Based or Specialized Funds:

• Some funds on Cowrywise may have minimum holding periods, and certain investment types (like dollar-denominated funds) may be reserved for verified users or come with specific requirements.

5. Investment Frequency:

• You can invest as a one-time lump sum or set up automated investments (daily, weekly, or monthly). This feature is great for building discipline and growing your portfolio gradually over time.

6. Security & Returns:

• Your money is professionally managed by SEC-regulated fund managers, and returns typically range between 8–15% annually, depending on the fund.

In conclusion, you can start with just ₦1,000, but there is no real upper limit. Cowrywise is designed to be flexible, secure, and accommodating for investors of all levels.

Which investment platform is real in Nigeria?

In 2025, several real and legitimate investment platforms operate in Nigeria, offering safe, regulated, and transparent services. However, due to the rise in scams and fake investment apps, it’s important to stick with platforms that are registered with the SEC, partnered with licensed fund managers, or backed by financial institutions.

Here are the top real investment platforms you can trust:

1. Cowrywise:
Cowrywise is registered with the Securities and Exchange Commission (SEC) and offers various mutual funds and fixed-income products. It partners with credible fund managers and is known for its transparency, security, and ease of use.

2. PiggyVest:
Though not directly licensed by SEC or CBN, PiggyVest operates through licensed microfinance banks and registered investment partners. Its Investify feature allows you to invest in agriculture, fixed income, and other real sectors.

3. Risevest:
Risevest is a trusted platform for dollar-based investments, including U.S. stocks, real estate, and fixed-income products. Portfolios are managed by professionals and are backed by regulated custodians.

4. Bamboo, Chaka, and Trove:
These apps allow you to invest in foreign and Nigerian stocks and are registered in partnership with licensed brokers and regulated custodians. They’re ideal for investors looking to trade or build stock portfolios.

5. ARM and Stanbic IBTC Investment Apps:
These platforms are extensions of established financial institutions with decades of regulatory compliance. They offer mutual funds, retirement planning tools, and fixed-income investments.

How to Confirm a Real Platform:

• Check for SEC registration or valid financial licenses.

• Look for NDIC or CBN affiliation for banks and microfinance partners.

• Verify online reviews and company history.

• Avoid platforms offering unrealistic returns (like 30–50% monthly).

In summary, Cowrywise, PiggyVest, Risevest, Bamboo, and ARM are all real and trustworthy platforms. Always do your due diligence before investing anywhere.

Which app has the highest rate to sell Bitcoin in Nigeria?

In 2025, several cryptocurrency platforms in Nigeria allow users to buy and sell Bitcoin with competitive rates, but the highest rates to sell Bitcoin often fluctuate due to market conditions, liquidity, demand, and platform fees. That said, some apps consistently offer better exchange rates and low transaction fees, helping users maximize their profit when selling Bitcoin.

Here are the top apps that generally provide high rates and reliability for selling Bitcoin in Nigeria:

1. Binance (P2P – Peer-to-Peer Trading):
Binance P2P consistently offers some of the best selling rates for Bitcoin. With its large user base, you can choose buyers offering favorable exchange rates in real-time. The platform doesn’t charge fees for P2P trades, and you receive payment directly to your bank account.

2. Paxful:
Paxful is a popular platform with a strong presence in Nigeria. It allows users to sell Bitcoin using a wide range of payment methods. Paxful sellers often get competitive naira rates, especially during high demand periods.

3. Bundle Africa:
Bundle is a Nigerian-based app that offers crypto trading and wallet services. While rates vary, it often provides a favorable selling price and supports fast local withdrawals.

4. Quidax:
Quidax is another trusted Nigerian crypto exchange. It supports direct selling of Bitcoin to naira and offers instant settlement to your bank account, usually at market-aligned rates.

5. Luno:
Luno is a globally known crypto platform with a presence in Nigeria. While its rates may not always be the highest, it is highly secure, easy to use, and ideal for beginners who prioritize safety and trust.

6. Trust Wallet + Binance P2P Combo:
Some users prefer to store Bitcoin in Trust Wallet and transfer it to Binance P2P when they want to sell, combining security with great selling rates.

In conclusion, Binance P2P typically offers the highest rates for selling Bitcoin in Nigeria due to direct user negotiations and zero fees. For best results, always compare real-time prices across multiple platforms before making a sale.

Where is the best place to invest money in Nigeria?

In 2025, the best place to invest money in Nigeria depends on your financial goals—whether you want steady growth, passive income, or capital preservation. That said, several options stand out as the most reliable and profitable investment destinations in the country right now.

1. Mutual Funds via Cowrywise or ARM:
These platforms offer access to regulated mutual funds, such as money market, balanced, and fixed-income funds. Mutual funds are professionally managed, low-risk, and ideal for both beginners and experienced investors. Returns can range between 8–15% annually, and you can start with as little as ₦1,000.

2. Dollar Investments on Risevest or Bamboo:
To hedge against naira devaluation, investing in dollar-denominated assets is crucial. Apps like Risevest allow you to invest in U.S. real estate, stocks, and fixed income, while Bamboo gives direct access to U.S. equities. These platforms help you earn in dollars while diversifying your portfolio.

3. Real Estate (Physical or Fractional Ownership):
Real estate remains one of the most secure and profitable investments in Nigeria, especially in high-demand areas like Lagos, Abuja, and Port Harcourt. For those with less capital, platforms now offer fractional property investment, making it easier to get started with small amounts.

4. Government Bonds and Treasury Bills:
Investing in FGN Bonds or Treasury Bills through banks or apps like I-Invest offers guaranteed returns and safety, as these are backed by the federal government. These instruments are ideal for conservative investors seeking regular income and principal protection.

5. Tech Stocks or Crypto (With Caution):
If you’re more aggressive and understand the market, investing in tech stocks or cryptocurrency through platforms like Trove or Binance can yield higher returns. However, they carry more risk and require research and risk management.

In summary, the best places to invest money in Nigeria today include Cowrywise for mutual funds, Risevest for dollar protection, and real estate for long-term growth. Choose based on your risk tolerance, capital, and financial goals.

What is the best app to save money in Nigeria?

The best app to save money in Nigeria is one that offers security, interest earnings, automated savings plans, and flexibility in withdrawals. In 2025, several savings apps meet these criteria, with some standing out for their reputation, features, and user experience.

1. PiggyVest – Best Overall Savings App:
PiggyVest is Nigeria’s most popular savings and investment platform. It allows users to automate savings, set goals, and earn daily interest on locked or flexible savings. Its features include:

• SafeLock: Lock funds for a fixed period with higher interest.

• Target Savings: Save towards a specific goal (e.g. rent or school fees).

• Flex Naira: Flexible savings with daily interest.

PiggyVest offers interest rates of 8–13%, depending on the saving type. It’s also user-friendly and supports bank withdrawals anytime for flexible plans.

2. Cowrywise – Best for Interest and Investment Integration:
Cowrywise combines savings and investment in one app. Users can set up automatic savings and link them to mutual funds to earn higher returns. The platform also offers money market funds for low-risk daily interest earnings.

3. V by VFD – Digital Bank with Savings Features:
VBank (V by VFD) provides a savings vault and interest-bearing accounts with high flexibility. It’s a digital bank that combines banking with modern saving tools. Users can create sub-accounts and budget their money easily.

4. Kuda – Great for Spending + Saving:
Kuda Bank offers an autosave feature that deducts small amounts daily, weekly, or monthly. It’s great for individuals who want to save while using their digital bank for transactions.

5. Opay (OWealth) – For Instant Daily Interest:
OWealth, found within the Opay app, gives users daily interest on idle funds with instant access. It’s ideal for users who want to earn passively while keeping funds liquid.

In conclusion, PiggyVest is the best app for dedicated savings, while Cowrywise and VBank provide strong alternatives with investment options. Choose based on your saving habits and income goals.

Which platform is best for earning money in Nigeria?

In Nigeria, there are many platforms that help people earn money, either passively through investment or actively through gig work or services. The best platform depends on your skill level, capital availability, and financial goals. That said, a few stand out for their reliability and earning potential.

1. PiggyVest and Cowrywise – For Passive Income via Interest:
These platforms are great for earning interest on savings and returns on investments. You can earn between 8–15% annually through mutual funds, SafeLock features, and money market options. It’s ideal for people who want their money to grow over time without actively working.

2. Binance – For Crypto Trading and Staking:
If you’re tech-savvy, Binance offers several ways to earn money:

• P2P Trading (buy low, sell high in naira).

• Staking (earn interest on your crypto).

• Referral programs (earn by inviting others).
  Crypto platforms can be volatile, so it’s important to do your research.

3. Freelance Platforms – Upwork, Fiverr, and Toptal:
If you have skills in writing, programming, design, or marketing, platforms like Upwork and Fiverr allow you to earn in dollars. Many Nigerians are making significant income monthly through remote freelance jobs.

4. Affiliate Marketing Platforms – Expertnaire and Learnoflix:
These platforms allow you to promote digital products and earn commissions. With little to no investment, you can start making money by selling courses, ebooks, or online services.

5. Opay and PalmPay Agent Networks – Earn Through Services:
Becoming a POS agent with Opay, PalmPay, or Moniepoint allows you to earn transaction fees by providing financial services (cash deposit, transfer, airtime) to people in your neighborhood.

In conclusion, the best platforms for earning money in Nigeria include PiggyVest/Cowrywise for passive income, freelance platforms for skilled professionals, and crypto or POS businesses for active earners. Choose based on your available time, skills, and risk appetite.

Which investment app pays daily in Nigeria?

If you’re looking for an investment app in Nigeria that pays daily returns, your best bet is to go with platforms that offer money market funds or daily interest-based savings features.

While most traditional investments pay weekly or monthly, a few fintech apps now provide daily accrual of interest, making them ideal for building consistent passive income.

Here are the top apps in Nigeria that pay daily:

1. Cowrywise – Daily Interest from Money Market Funds:
Cowrywise offers access to low-risk mutual funds, particularly money market funds, that accrue interest on a daily basis. Although the interest may not be credited to your wallet every day, it is calculated daily and reflected in your balance, providing a steady income stream. It’s SEC-licensed and great for users seeking safety with modest returns.

2. PiggyVest (Flex Naira + SafeLock):
PiggyVest’s Flex Naira wallet earns daily interest on idle funds. Although the payout is not physically deposited every day, the interest accrues daily and is added periodically. Their SafeLock feature also offers higher fixed returns on locked funds, giving you predictable earnings over time.

3. OPay (OWealth):
The OWealth feature within the OPay app allows users to earn daily interest on their savings. The returns are visible and automatically added to your account daily. It’s ideal for users who want instant liquidity plus daily gains without locking their funds.

4. VBank (Savings Vaults):
VBank offers flexible savings vaults that track interest daily. You can choose savings durations, set auto-debits, and track earnings directly in the app.

5. Branch App (Investment Feature):
The Branch app offers investments that accrue daily interest. While it’s more of a savings-investment hybrid, it’s reliable and offers decent returns with low entry capital.

In summary, for daily payouts, OPay’s OWealth, Cowrywise, and PiggyVest Flex Naira are top options. They’re great for low-risk investors who want to see their money grow gradually, every single day.

What is the most profitable investment in Nigeria?

The most profitable investment in Nigeria in 2025 depends on how much risk you’re willing to take and your long-term financial goals. Profitability is often tied to returns over time, currency stability, and market performance. That said, certain investment options consistently stand out for high potential gains.

Here are the most profitable investment avenues in Nigeria today:

1. Dollar-Based Investments (Risevest, Bamboo):
Investing in U.S. stocks, real estate, and fixed-income portfolios through platforms like Risevest or Bamboo offers excellent returns. Since these investments are dollar-denominated, they not only grow in value but also protect against naira depreciation. Over the years, U.S. stock markets have averaged 7–10% annual returns, often higher in boom periods.

2. Cryptocurrency (Binance, Quidax):
Crypto assets like Bitcoin and Ethereum are high-risk but can deliver substantial returns. In bullish years, cryptocurrencies have delivered returns of 100% or more. However, this market is highly volatile and should only be approached with caution and research.

3. Real Estate (Physical or Digital):
Real estate, particularly in Lagos, Abuja, and growing towns, continues to be profitable. Buying land or rental property can yield steady cash flow and long-term appreciation. Additionally, platforms now offer fractional ownership, making it accessible to more Nigerians.

4. Agri-Investment Platforms (e.g. FarmCrowdy):
Agricultural investments offer seasonal returns, often as high as 15–25% in 6–12 months. However, it’s essential to invest through insured or well-vetted platforms to minimize risk.

5. High-Risk Stocks (MTN, Dangote, Nestlé):
Investing in top-performing Nigerian companies via the stock market can also be highly profitable. Dividend-paying and growth stocks generate both passive income and capital appreciation.

In summary, the most profitable investments in Nigeria right now include dollar investments, real estate, and crypto assets. However, with higher profit comes higher risk—so always invest with caution and diversify your portfolio.

What is the best fake investing app?

While it may sound ironic, there’s no such thing as the “best” fake investing app because fake apps are designed to steal your money or data. However, it is important to recognize and avoid these scam platforms that disguise themselves as legitimate investment opportunities but operate with malicious intent.

Here’s how to identify fake or scam investment apps in Nigeria:

1. Unrealistic Promises (e.g., 30%–50% Monthly Returns):
If an app guarantees unusually high returns in a short time with little or no risk, it’s a red flag. No regulated investment can legally promise such high profits. Many fake apps exploit people’s desire for fast money and operate as Ponzi or pyramid schemes.

2. No Regulatory Oversight:
Genuine apps like Cowrywise, PiggyVest, and Risevest are registered with bodies like the Securities and Exchange Commission (SEC). Fake apps usually have no registration, no public ownership details, and no transparency.

3. Poor User Reviews and Complaints:
Many fake apps get flagged on the Google Play Store or Apple App Store through negative reviews. Users report withdrawal issues, frozen accounts, or sudden shutdowns. Always check ratings and user feedback before downloading.

4. No Customer Support or Office Address:
Fake apps often have no physical office, no customer care number, or use only WhatsApp groups to manage users. Real investment platforms have dedicated support and official websites.

5. Common Scam Apps (Examples from Past Years):
Some fake platforms that operated under names like Inksnation, Racksterli, and MMM Clone apps have defrauded many Nigerians. These apps usually go viral quickly and disappear just as fast.

In Conclusion:
Avoid any app that is not regulated, promises unrealistic profits, or doesn’t allow easy withdrawals. The “best” approach is to completely avoid fake apps and stick with verified, SEC-regulated platforms.

Which online platform is best for earning money in Nigeria?

In 2025, several online platforms in Nigeria allow individuals to earn money based on their skills, capital, or interest in passive income. The best platform depends on whether you prefer active income (like freelancing or trading) or passive income (like investments or affiliate programs).

Here are the best online platforms to earn money in Nigeria right now:

1. Upwork and Fiverr – Best for Freelancers:
If you have skills in writing, graphic design, coding, or marketing, Upwork and Fiverr allow you to earn in dollars from global clients. These platforms offer high income potential and let you work from anywhere in Nigeria with just a laptop and internet connection.

2. Expertnaire – For Affiliate Marketing:
This Nigerian-based affiliate platform allows you to promote and sell digital products, like courses and eBooks, and earn commissions of up to 50–75% per sale. With a basic understanding of digital marketing and social media, you can generate consistent income.

3. PiggyVest and Cowrywise – For Passive Earnings:
Though not “job platforms,” these apps allow you to earn interest on your savings and investments, which adds up over time. With consistent deposits, you can earn 8–15% annually, which is a great option for passive income.

4. Binance P2P – For Crypto Traders:
If you understand crypto, Binance P2P enables you to buy and sell crypto assets like Bitcoin and USDT for profit. It’s highly flexible and allows you to set your own rates when selling.

5. YouTube and TikTok – For Content Creators:
If you enjoy creating videos, platforms like YouTube and TikTok allow you to monetize your audience through ads, brand deals, or affiliate links. Once your content gains traction, you can earn consistently.

6. Opay POS Business – For Local Earnings:
You can register as a POS agent using Opay, PalmPay, or Moniepoint. You’ll earn from transaction commissions and cash withdrawals.

In summary, if you’re skill-based, go for freelancing platforms. If you want passive income, try investments. For fast cash, affiliate marketing or crypto P2P is also profitable.

Which investment app is legit?

In Nigeria’s growing fintech space, there are many investment apps, but not all are genuine. A legit investment app must be registered with regulatory bodies, work with licensed financial partners, and offer transparent operations. In 2025, a few apps have clearly established themselves as legit and trustworthy platforms.

Here are the top legit investment apps in Nigeria:

1. Cowrywise – SEC Registered:
Cowrywise is one of the most credible platforms in Nigeria. It is licensed by the Securities and Exchange Commission (SEC) and offers professionally managed mutual funds and money market portfolios. It also partners with verified fund managers like ARM and Meristem.

2. PiggyVest – Trusted by Millions:
PiggyVest is widely known and used across Nigeria. While it doesn’t have a direct SEC license, it works with regulated microfinance banks and licensed partners. Its Investify feature allows users to access real investment options in agriculture, fixed income, and other sectors.

3. Risevest – Dollar Investment Focus:
Risevest provides investment in U.S. stocks, real estate, and bonds. It is also compliant with regulatory frameworks, works with licensed custodians, and gives access to dollar portfolios—making it one of the most legit foreign investment apps in Nigeria.

4. Bamboo and Chaka – For Stocks:
These platforms let you invest in Nigerian and international stock markets. They operate in partnership with licensed Nigerian brokers and custodians. They’re trusted for stock trading and provide detailed analytics and reports.

5. I-Invest – Government Bonds and Treasury Bills:
I-Invest is a platform backed by Sterling Bank and licensed to sell Federal Government bonds and treasury bills. It is fully legit and allows users to invest in government-backed securities with peace of mind.

In conclusion, Cowrywise, PiggyVest, Risevest, and Bamboo are among the most legit investment apps in Nigeria. Always verify that the app is SEC-registered or works with licensed financial institutions before committing your funds.

Which app pays real money instantly in Nigeria?

In 2025, many Nigerians are looking for apps that allow them to earn and withdraw money instantly. While several apps claim to do this, only a few truly offer instant cashouts, reliable earnings, and legitimate transactions without unnecessary delays or risks.

Here are the top apps that pay real money instantly in Nigeria:

1. Opay (OWealth + POS Commissions):
Opay offers users instant earnings through their POS agent network. Every time you complete a withdrawal or transfer as an agent, you earn a commission, which is paid instantly. Opay also has OWealth, a feature that pays daily interest on savings that you can withdraw anytime.

2. PalmPay – Fast Commission Payments:
PalmPay also runs a POS system and rewards agents with instant commission payments for every transaction. It’s one of the fastest in processing payments and has a solid reputation in the fintech space.

3. Branch App – Instant Loans and Investment Returns:
Branch offers users daily interest on locked investments and allows instant withdrawals. It’s one of the few finance apps that combine loans, savings, and investments with fast processing times.

4. Binance P2P – Real Money from Crypto Sales:
Binance’s peer-to-peer (P2P) feature allows users to sell Bitcoin or USDT and receive payment instantly to their bank account. If you understand crypto, this is one of the quickest ways to earn and get paid in naira directly.

5. Freelancing Platforms (Payoneer or Skrill Withdrawals):
Apps like Upwork or Fiverr, when linked to Payoneer or Skrill, allow you to withdraw funds to Nigerian banks within 24 hours—sometimes even instantly, depending on the provider.

6. Clickworker or Remotasks (Microjobs):
These platforms pay users for simple online tasks, and you can cash out earnings via PayPal or other approved payment processors. Earnings may be small, but they are real and payout is fast.

In summary, Opay, PalmPay, and Binance P2P are the best platforms for instant earnings in Nigeria, with proven track records for speed and reliability.