Simple, Safe, and Smart Ways to Grow Your Money
Looking for easy ways to grow your money in 2025? Thanks to fintech in Nigeria, investing is now simple and beginner-friendly — even with just ₦1,000!
Whether you’re a student, salary earner, or small business owner, you can now invest directly from your smartphone. In this guide, we’ll show you the best investment platforms in Nigeria for beginners, how they work, and how much you can earn.
Why You Should Start Investing Now
Saving is important, but investing helps your money grow faster. Here’s why more Nigerians are turning to investment platforms in 2025:
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Beat inflation and rising living costs
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Earn passive income
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Build long-term wealth
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Achieve your money goals quicker
Best Investment Platforms in Nigeria (2025)
Here’s a quick overview of trusted apps for beginners:
| Platform | Min. Investment | Type of Investment | Expected Returns | Mobile App |
|---|---|---|---|---|
| Cowrywise | ₦1,000 | Mutual Funds, Savings Plans | 8%–15% per year | ✅ |
| Risevest | $10 (₦14,000) | US Stocks, Real Estate | 10%–14% annually | ✅ |
| PiggyVest | ₦100 | Savings, Investify | Up to 25% | ✅ |
| Bamboo | $10 | US Stocks, ETFs | Market-based | ✅ |
| Trove | ₦1,000 | Nigerian & Global Stocks | Market-based | ✅ |
| Chaka | ₦1,000 | Local & Foreign Stocks | Market-based | ✅ |
| Wealth.ng | ₦1,000 | Mutual Funds, Stocks | 8%–18% per year | ✅ |
| I-Invest | ₦100,000 | Treasury Bills, Government Bonds | 9%–14% per year | ✅ |
| Afrinvest | ₦1,000 | Bonds, Mutual Funds, Equities | 10%–20% per year | ✅ |
Quick Reviews of the Top 6 Platforms
1. Cowrywise – Great for Safe, Low-Risk Investing
A trusted app offering mutual funds, halal investing, and savings plans. SEC-regulated and easy for beginners.
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Start with: ₦1,000
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Return: 8%–15% yearly
2. Risevest – Ideal for Dollar-Based Investment
Invest in real estate, fixed income, and US stocks. Great for protecting your money from naira depreciation.
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Start with: $10
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Return: 10%–14% yearly
3. PiggyVest – Save and Invest Together
Offers savings plans and Investify, which allows you to invest in agriculture and pre-vetted projects.
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Start with: ₦100
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Return: Up to 25%
4. Trove – Start Stock Investing with ₦1,000
Buy shares in top Nigerian and foreign companies like Apple, Dangote, and MTN. Includes free learning resources.
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Start with: ₦1,000
5. Bamboo – Invest in the US Stock Market
Access thousands of US stocks and ETFs with an easy-to-use app.
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Start with: $10
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Bonus: Fund with your dollar card
6. I-Invest – Best for Treasury Bills and Bonds
Perfect for low-risk investors. Offers secure federal government instruments.
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Start with: ₦100,000
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Return: 9%–14%
Tips for Beginner Investors
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Start small — Don’t wait to have millions. ₦1,000 is enough.
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Learn as you go — Pick platforms with guides and resources.
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Diversify — Don’t put all your money in one app or asset.
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Stay consistent — Long-term investing brings real growth.
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Use trusted apps — Look for SEC or CBN approval.
Frequently Asked Questions
Q: What’s the safest platform for beginners in Nigeria?
A: Cowrywise, I-Invest, and PiggyVest are considered secure and beginner-friendly.
Q: Can I lose money?
A: Yes, especially in stock or real estate investing. Always diversify and invest wisely.
Q: Do I need a bank account?
A: Yes, most platforms require one for deposits and withdrawals.
Q: Are these platforms legit?
A: Yes, all listed apps are registered and regulated in Nigeria.
Q: Best platform for investing in dollars?
A: Risevest, Bamboo, and Chaka are top picks for dollar-based investments.
Final Thoughts: Start Small, Grow Big
Investing in Nigeria is no longer complicated or reserved for the rich. With as little as ₦1,000 and a smartphone, you can start building wealth in 2025.
Get started today on platforms like Cowrywise, PiggyVest, or Risevest — and take the first step toward your financial goals.
