[xyz-ips snippet="Latest-News"] [xyz-ips snippet="Latest-Tips"] [xyz-ips snippet="Latest-Albums [xyz-ips snippet="Latest-Mixtapes"] [xyz-ips snippet="Latest-Videos"]

Lucrative And Reliable Investment Opportunities You Should Venture Into in Nigeria 2020:

So, lately, our support email has been popping up with the best online and offline investments to try that will yield profits ahead of 2020.

Normally, I don’t give investment advice in Nigeria as I’m not an investment expert but I’ sure a good investor and have done well when you talk about how to invest money online in Nigeria.

If you have money and looking for how to invest your money online for a good return, then this article is for you.

Although on a general scale, you’re advised to make your own research if you’re looking out for financial investment opportunities in Nigeria and how to invest your money wisely in Nigeria

Most of the best investments right now are online and requires little stress. You also need to understand that you have to invest money to make money if you’re not a service provider.

For the benefits of Class and different of how much you have from others reading this post, I will segment this post to best investment if you have;

  • Less than 200,000 Naira
  • Above 200,000 naira and less than 1 million and
  • Best investments if you have over 1 Million naira.
  • Where to invest money in Nigeria if you have Above 5 Million Naira

Ready? Lets go.

Best Investment Opportunities in Nigeria – How to Invest Money in Nigeria

  1. Good places to invest money in Nigeria if you have less than 200,000 Naira

Save and Invest with SumoTrust:

SumoTrust (Formerly SumoBank) is a savings platform that helps you save and spend less. The company is primarily focused on helping African entrepreneurs, business, salary earners, and students save money especially when they have issues with saving money. The company pays you 10-15% interest annually which is higher than bids gotten from some treasury bills most of the time and better interests from normal savings account with commercial banks. Apart from Saving, you also get to have access to Entrepreneur Platform business academy for free once you have an active account with Sumotrust.

To start saving and earning interesting from Sumotrust, create your account at www.sumotrust.com. Login in your account and enter your bank details, connect your card and start saving. You can save as little as 100 per day, weekly or monthly.

Want to invest with Sumotrust? Create your account here.

Investing into FGN Savings Bonds:

In 2016, the Federal Government of Nigeria launched the FGN Savings Bonds.  It is a retail investment program designed to provide Nigerians of all income levels the opportunity of contributing to national growth and development by lending money to the federal government.  It is also intended to make savings attractive to the average Nigerian.

In investing into FGN savings bond, the minimum investment amount is NGN5,000 and maximum of NGN50,000,000.  The FGN Savings Bond tenor ranges from two to three years and primary auctions are conducted on monthly basis.  FGN Savings bonds just Like the FGN Bonds, has a secondary market for Savings Bonds at the Nigerian Stock Exchange which means that if you don’t wish to hold the investment to maturity, you can exit by selling at the NSE.

Interest payable in investment opportunity into FGN savings bonds ranges from 11 to 13% which is way above the interest payout from regular savings account in a commercial bank in Nigeria. This investment is tax-free and the bonds can be used as collateral to obtain loans from the commercial banks and microfinance banks.

If you’re interested in this Investment opportunity in Nigeria, kindly Contact your stockbroker to help you.

Mini Importation Business As Good Investment Opportunity in Nigeria

You might as well consider starting a small business that is less stressful. Well, if you have less than 200k, Mini importation is one business you should consider right away. With less than 200,000 Naira, you can start importing products from China down to Nigeria with only your mobile phone and make over 50%-120% profit depending on your niche in a short while.

Mini Importation is definitely a business in Nigeria to invest into You might consider buying out Mini Importation E-book for just 5000 Naira and see the same strategy that helped Samuel Benedict make over 5 Million naira with less than 50,000 Naira startup capital.

2. Good things to invest money in if you have above 200K and less than 1 Million:

Invest into cryptocurrency:

It’s no news that cryptocurrency is one of the biggest Investment Opportunities in Nigeria right now, but then, it’s a risky investment because of its volatility. If you’re in for quick money or want high yield investment opportunity, then buying some cryptocurrency should be something to try out.

Note: this is very risky and I mean very very risky investment. You will need to have proper knowledge of blockchain and cryptocurrency before you put in money into it. I will be glad to help out, however you can quickly start investing into cryptocurrency by creating a Quidax account now.

It’s simple when you’re done creating your account, follow the onscreen instruction to get complete. if i get so many calls on this, i will put up a guide on how to create a Quidax account.

Read the articles below about Cryptocurrency:

Invest into Gold:

Some say it’s golden to invest in Gold because it will certainly make you lots of money.  Gold as an investment opportunity in Nigeria is good because its value never falls.  If you have a 15 karat gold today, it will still be 15 karat even after 20 years but the worth may have increased tens of thousands fold over that period.  Gold serves as store of value and seeing it Gold as an investment opportunity is a great idea.

There are so many ways you can invest in gold which include;

  1. Buying gold jewelries and storing for a period of time.
  2. You don’t need to travel abroad to buy Gold as you can buy them inform of gold jewelries in Abuja, Kano and even Lagos.
  3. Investing in gold-plated items.
  4. Other gold commodities include bars, coin, and bullion.

Whichever option you decide to go with, and allow time to pass, you’ll be amazed at the returns thereafter.

To be able to trade in gold products, you must first learn the basics of doing Gold business. You must know how they are measured, weighed and valued.  You must also know where to source from and how to identify original gold for investment.

With 200,000 Naira to 1 Million investment capital into Gold, you’ll make a good profit. However, if you do not have quality time to source for the products or you want to remove the risk of buying fake products from your shoulders, you may consider investing with gold-based network marketing companies.

Gold business is no joke and a business in Nigeria to invest into.

  1. Good investment opportunities if you have above 1 Million naira And less than 5 Million Naira

Invest in stocks:

Stocks in this category will be the riskiest investment to make for one who has a huge capital, but at the same time can give very return of investments if the deal goes well.

There are so many good companies to put money into and buy shares from them and watch it grow into something huge.

So many people lost money in 2008 when the stock market melted, but then, the stock market has since recovered, albeit slowly and discerning investors are making money.  As at towards the ending of 2017, the broad market index, the NSE All-Share Index was up about 30%.  Certain stocks have returned as much as 60%.  The truth is that, if carefully done, investing in equities can offer an incredible return.  Return on equity investment is not only in terms of capital appreciation but it also comes in dividend and script issues or bonuses.

It has also been shown that, perhaps, the only investment that beats equities over a period of time is real estate, But then in Real estate investment, you will need high capital to invest into it.

So, you don’t need as much capital when compared to real estate to invest in stocks and most importantly, stocks are more liquid and come very handy in times of emergency.

The secret to cashing out big in Stocks Investment is to

  • Develop your own winning system,
  • Do not speculate before investing,
  • Conduct your research very well,
  • Invest in quality stocks with sound fundamentals and
  • Pay attention to developments around you that may affect the value of your investment.

4. where to invest money in Nigeria if you have Above 5 Million Naira:

Treasury Bills:

Treasury bills remain the best investment opportunity as it’s the most secure form of investment in Nigeria because it has very little to zero risks of losing your hard-earned money and backed by the government.

The election is coming and the government is looking for money to use in running the election. If you understand this, you’ll know banks are one of the places the government will go to for money and eventually the price of bid on treasury bills will definitely go up. Investing over 5 million naira into treasury bills for a period of 91 days for 14% interest and reinvesting again after 91 days, 182 days and 364 days respectively is a good way to make huge profits.

There is also a secondary market for this security existing in the money market.  The money market comprises of the banks and other financial institutions dealing in short-term instruments. Please consider reading the full article on How treasury bills work and how to invest in treasury bills.

Buy Properties, Invest into Real Estates:

Buying properties in Nigeria have been one of the surest investment one can make especially for a country like Nigeria that is developing. But one thing is certain about investing in properties in Nigeria, you have to take into proper account the city/town which the property is located. Profit returns from places like Abuja and Lagos can never be compared to profit margins to place like Enugu and Benin. If you need quick withdrawal from property investment, then, consider major cities like Lagos, Port Harcourt, and Abuja, but if you are looking for a long-term investment on a property, then, consider places like Onitsha, Enugu, Ogun, Delta. Just make proper research before diving into anything. They all follow the principle of invest money to make money.

You can make a lot of money by investing in real estates.  If you say it requires huge capital to do in the property market, then you are right.

Another secret to getting your way well wrapped in real estate investments if you don’t have much capital is to buy lands in local areas that have high chances of developing. There are places in Nigeria that you can buy a piece/plot of land for as low as 500,000 Naira.

After buying the land, hold onto it for a while and when development starts coming in, use the piece of land for renting services.

If you have the resources you can invest in already developed properties like houses, apartment houses, and hostels.  Such properties are managed by real estates development companies and there as so many that allows investors to pay in installments or even arrange mortgage financing with time.

Investing in Agriculture:

This may sound odd but I tell you there is so much money to be made in investing into Agriculture if you go big into it. The Agricultural sector is raising a new set of millionaires from farming in Nigeria and the trend will continue as government at all levels continue to drive agriculture as a way of diversifying the economy.

Apart from this, Agriculture in Africa will continue to be viable including in Nigeria, Ghana, South Africa, Kenya, United States, Uk and other non-African countries because of its huge population and the emerging of industries that require input from the agricultural sector.

Subsectors that are open to investment include produce farming such as

  • Rice
  • Maize
  • Cassava,
  • Beans
  • Plantain
  • Pineapple, etc;

livestock production such as poultry, pig and snail as well as fish farming will continue to thrive.

If you don’t like farming but want the money that comes from it, you may adopt the indirect model by investing in organizations that have the expertise and are engaged in large-scale farming.  These companies use your money to carry out all the processes and pay you returns on your investment periodically and at the end on maturity, you also have the option of exiting with your investment capital or reinvesting for the next farming round.


Investing your money is one thing you have to take seriously if you want to stand out financially. In as much as the urge to spend will also come, try and spend less.

With regards to savings, SumoBank (Fintech and Investment company) is there to help you save and invest for a return unlike what commercial banks are doing.

These are my 9 Best Investment Opportunities in Nigeria and the best way to invest money for people who want to make money by the end of 2019.

Personally, I use SumoBank and have some investment in Real Estate and Agriculture. Start making your life better in 2019 by investing wisely and profitably.

I hope this goes a long way to help.