Are you looking for safe and easy ways to grow your money in 2025? With the rise of fintech in Nigeria, investing has become simple, beginner-friendly, and accessible — even with as little as ₦1,000.
Whether you’re a student, salary earner, or business owner, you can now invest securely using your smartphone.
In this article, we’ll explore the top investment platforms in Nigeria for beginners in 2025, how they work, and how much you can earn.
Why Should You Start Investing?
Saving is good, but investing grows your money faster. Here’s why more Nigerians are investing in 2025:
- Beat inflation and rising costs
- Build wealth over time
- Earn passive income
- Achieve financial goals faster
Let’s now look at the top-rated investment apps and platforms to get you started.
Top Investment Platforms in Nigeria for Beginners (2025)
|
Platform |
Minimum Investment |
Investment Type |
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% annual returns |
✅ |
|
PiggyVest |
₦100 |
Savings, Flex Naira, Investify |
Up to 25% (varies by plan) |
✅ |
|
Bamboo |
$10 |
US Stocks, ETFs |
Market-dependent |
✅ |
|
Trove |
₦1,000 |
Nigerian & Foreign Stocks |
Market-dependent |
✅ |
|
Chaka |
₦1,000 |
Global & Local Stocks |
Market-dependent |
✅ |
|
Wealth.ng |
₦1,000 |
Stocks, Mutual Funds |
8–18% per year |
✅ |
|
I-Invest |
₦100,000 |
Treasury Bills, Bonds |
9–14% per year |
✅ |
|
Afrinvest |
₦1,000 |
Bonds, Equities, Mutual Funds |
10–20% (varies) |
✅ |
|
PayVest (Carbon) |
₦5,000 |
Fixed Returns |
11–15% annually |
✅ |
1. Cowrywise – Best for Safe Mutual Fund Investing
Cowrywise is a trusted Nigerian investment app that allows you to invest in mutual funds, savings plans, and halal investments. It's regulated by the SEC and great for beginners who want to start small and grow slowly.
- Minimum: ₦1,000
- Returns: 8–15% per year
- Best for: Safe, long-term investing
2. Risevest – Invest in US Stocks & Dollar Assets
With Risevest, you can invest in dollar-denominated assets like US stocks, real estate, and fixed income — helping you hedge against naira depreciation.
- Minimum: $10
- Returns: 10–14% annually
- Best for: Long-term dollar savings
3. PiggyVest – Save and Invest Automatically
PiggyVest offers savings and investment plans under one roof. With Investify, you can invest in agriculture, fixed-income, and pre-vetted opportunities.
- Minimum: ₦100
- Returns: Up to 25%
- Best for: Students and first-time savers
4. Trove – Buy Nigerian & Foreign Stocks
Trove is a great app for those who want to learn stock investing. You can start with just ₦1,000 and buy shares in companies like MTN, Apple, Dangote, and more.
- Minimum: ₦1,000
- Best for: Beginner stock traders
- Bonus: Free education resources
5. Bamboo – Invest in the US Market from Nigeria
With Bamboo, you can access over 3,000 US stocks and ETFs. The app is simple, with real-time performance data and quick withdrawals.
- Minimum: $10
- Best for: Global market exposure
- Bonus: Dollar card funding available
6. I-Invest – Treasury Bills & Government Bonds
I-Invest is one of the most secure platforms for investing in federal government bonds and treasury bills — ideal for risk-averse Nigerians.
- Minimum: ₦100,000
- Returns: 9–14%
- Best for: Safe, fixed-income investments
Pro Tips for Beginner Investors
- Start small: Begin with ₦1,000 or $10 and grow gradually
- Learn first: Use apps that offer tutorials and investing guides
- Diversify: Don’t put all your money in one platform or asset
- Be patient: Investing works best over the long term
- Use regulated platforms: Ensure the app is SEC-approved in Nigeria
Frequently Asked Questions (FAQ)
Q1: Which is the safest investment platform in Nigeria for beginners?
Cowrywise, I-Invest, and PiggyVest are among the safest, as they are regulated and focus on secure investments like mutual funds and government securities.
Q2: Can I lose money on these platforms?
Yes, especially in stock-based or real estate investments. That’s why diversification and starting small are key for beginners.
Q3: Do I need a bank account?
Yes, you’ll need a Nigerian bank account for deposits and withdrawals. Some platforms also accept dollar cards or crypto wallets.
Q4: Are these platforms legit?
Yes, the apps listed are licensed and regulated either by the SEC or CBN.
Q5: Which app is best for dollar investment?
Risevest, Bamboo, and Chaka offer great dollar-based options.
Conclusion: Start Growing Your Money Today
If you’ve ever thought investing was only for the rich or complicated, think again. In 2025, with just your phone and ₦1,000, you can start building wealth from anywhere in Nigeria.
✔️Pick a platform
✔️Start small
✔️Stay consistent
✔️Watch your money grow
Ready to start? Try apps like Cowrywise, PiggyVest, or Risevest today and take your first step towards financial freedom.
