Top Investment Opportunities With High Returns In Nigeria 2021

This timely guide is about the top investment opportunities with high returns in Nigeria 2020.

Whether you are an investor, an entrepreneur or you are someone who is looking for some high yield investment opportunities in Nigeria, this article is for you.

It is no longer news that the future belongs to the investors, and not to the employees. Whatever sector you may find yourself working with, having the consciousness of investing whatever little you have in a profitable venture is really the best way of gaining finacial freedom.


The unemployment rate in Nigeria, job insecurity, increase in purchasing power coupled with other factors has given credence to the fact that entrepreneurship is the way to go for our country.

infographics of unemployment in Nigeria

The reason for low investment in Nigeria is the lack of information on the best investment opportunity that will yield a high return on investment (ROI).

infographics of direct investment in nigeria

Most Nigerians ends up leaving their money in savings/fixed deposit accounts where the banks pay them peanuts as interest.

One disadvantage of leaving your money idle in bank accounts is the effect of inflation on it. Inflation will make your money to depreciate in value if left idle without earning interest that is above the inflationary rate.

We understand how difficult it has been getting high yield investment in Nigeria 2020.

This explains the reason we have decided to write this article on the best investments in Nigeria 2020.

We do hope that you will find it useful and helpful as it has helped thousands of Nigerians in the past to gain financial freedom.

But before we proceed, what is an investment opportunity within the Nigerian context?

What Is An Investment Opportunity?

what is an investment opportunity

An investment opportunity in Nigeria is any situation in which a person has the option of buying something that he believes will have a lot of financial rewards in the nearest future if sold.

While there are many investment platforms in Nigeria, it should be stated that they are not easily perceived by the non trained minds on finance.

This explains the reason we have taken it upon ourself to carry out the research about the latest investment opportunities in Nigeria for you, so you dont go through the stress of doing it yourself.

Top Investment Opportunities In Nigeria 2020

There are many investment opportunities in Nigeria with high monthly returns which you can always invest in and be sure of profits.

Below is the list of top investment opportunities in Nigeria 2020:

  1. Real Estate Investment In Nigeria
  2. Treasury Bills Investment In Nigeria
  3. Mutual Funds Investment In Nigeria
  4. Government Bonds Investment In Nigeria
  5. Cryptocurrency Investment In Nigeria
  6. Shares Investment In Nigeria

Real Estate Investment In Nigeria

Real estate is perhaps the best investment opportunity of all times in Nigeria. Its the one business investment that has consistently been profitable since the inception of Nigeria.

One interesting thing about real estate investment is that its available for everyone and available everywhere if only you can look closely enough.

What Is Real Estate Investment?

Real estate investment simply means the act of buying property – house, land etc with the view of reselling it for a profit.

Its really a very simple business model that mostly does not require much financial intelligence.

The only skill that you need to start making hugh returns on your investment in real estate is the ability to properly appraise the real value of a property before buying it.

Profit in real estate investment comes when you buy a particular piece of property cheap and sell it high.

Take for instance, a landed property you bought for N1000,000 in year 2015 can sell for N2.5million in 2020.

Below are the list of ways to make high profit on real estate investment in Nigeria 2020:

  1. Land flipping: Buying of land and selling it off immediately with high profit.
  2. Open Space Leasing: Renting out your land space for monthly or yearly pay from its occupant
  3. Real Estate Agency: Showing people available landed properties to buy for a fee.
  4. Property Development: Buying a weak property and renovating it to standard, and then leasing or selling it off afterward with high profit.
  5. House Rent: Buiding a commercial house with the intent of putting tenants there for monthly or yearly house rents.

Real estate business is mostly a win win investment, and that’s why we recommend it as the best high yield investment in Nigeria 2020

Treasury Bills Investment

Aside the fact that it has a high interest rate, treasury bills are perhaps one of the most secured investments in the Nigeria right now. But you may want to ask: what are Treasury Bills?


Treasury Bills are debt instruments issued by the Central Bank of Nigeria (CBN) on behalf of the Federal Government. Treasury Bills are used by the Federal Government to raise money to finance its expenditure.

Also, the CBN makes use of Treasury Bills as an instrument for controlling liquidity (the volume of money in circulation) in the economy.

How To Invest In Treasury Bills In Nigeria

To start investing in Treasury Bills in Nigeria, the easiest means is to approach an official dealer (an Investment House or a Commercial Bank) who will help you kick start the process when the auction is opened.

Treasury Bills are usually auctioned bi-weekly by the CBN where buyers are requested to quote their bids after which the CBN accepts the bids that are bellow the minimum average rate and those above are rejected.

To be honest, the minimum amount accepted by most Commercial Banks/Investment Houses for those who want to invest in Treasury Bills is 100,000 Naira.

But you can invest as much as you can for a period of 91 days, 182 days, or 364 days- it all depends on your choice and capacity.

This is among the best investment opportunity in Nigeria 2020 that very few persons are taking advantage of

Why You Should Invest In Treasury Bills In Nigeria

  • It has a high interest yield compared to fixed deposits etc.
  • It is one of the safest investments in Nigeria because it has the full faith and backing of the Federal Government hence you can’t be scared of loosing your money.
  • The interest on Treasury Bills are paid upfront. I.e. the interest on your investment is paid into your account immediately you buy the Treasury Bills.
  • For example, if you are purchasing T-bills for 200,000 with an interest of 10%, the CBN will debit your account with 180,000 Naira which means the 20,000 Naira is your interest. And when the maturity date for the T-bills arrives, you will be paid 200,000 Naira.
  • The interest derived from Treasury Bills are not taxed by the Government.
  • You can easily sell your Treasury Bills certificate at the Secondary Market and convert your investment into cash
    You can also use your T-bills certificate as collateral to get a loan from any commercial Bank in the country.

Mutual Funds Investment

This is another top investment opportunity in Nigeria 2020 with high returns. The interesting thing about mutual funds is that you can start with as little as 5,000 Naira.

This makes it suitable for students as well as others with low investment capital. But what exactly is mutual fund?

What Is Mutual Funds Investment

A mutual fund is an entity that brings investors together with the aim of contributing cash which is then invested in Government Bonds, Shares, Treasury Bills and other portfolio investments.

The profit derived from these investments is then shared among the contributors as stipulated in the fund’s prospectus. Mutual funds are usually administered by financial institutions like Commercial Banks and investment houses.

organogram of mutual fund in nigeria

Mutual funds offer minimum interest rates that are benchmarked above inflationary rates in the country making it a wise investment decision. That is, the negative effect of inflation on your money is minimized.

You can decide to partner with your local bank for this, because its only a few persons that really know about this high yeild investment opportunity in Nigeria.

Government Bonds Investment

Another top investment opportunity in Nigeria with monthly returns is government bond investment.

Government bond is among the top financial investment opportunities in Nigeria. Investing in Government Bonds is a route that many successful entrepreneurs in Nigeria have taken and are still taking to multiply their fortune.

The reason why most big investors prefer Bonds is that it is no doubt the safest investment in Nigeria with high ROI. But what exactly are Government Bonds?

What Is Government Bond Investment

A Government Bond is a certificate issued by the Government confirming their indebtedness to you. Bonds come with a fixed interest, tenure, and method of payment which are all predetermined before the deal is concluded.

The Federal Government through the Debt Management Office (DMO) uses Bonds as a means of borrowing from the investment public to fund critical infrastructure or meet other financial obligations of Government.

How To Invest In Government Bond Investment

Government Bonds in Nigeria are usually sold to the ‘investing public’ through the primary/market makers and institutions authorized to deal directly with the Debt Management Office (DMO).

So you can either go through the Primary Market where auctions are held monthly or through the secondary Market where Primary Dealer/Market makers carry out the buying and selling of Bonds every week day.

So visit the investment arm of your commercial bank or an investment house to get started. Or visit the Debt Management Office’s website to get updated on the next available offer.

Cryptocurrency Investment

Cryptocurrencies are among the latest investment opportunities in Nigeria 2020 that many investors are still skeptical about. Thats why you should learn all about it and key into this opportunity ASAP.

Crypto currencies are among the high yield investment opportunities in Nigeria for many years now. Once you invest in cryptocurrency, you are almost sure of making a lot of returns within the shortest possible time.

In the past ten years, crypto currency has emerged as a fovourite investment opportunity for many Nigerians due to the continues rise in the prices of crypto currencies like Bitcoin, ethereum, Litecoin, Ripple etc. Still wondering what cryptocurrency is?

The majority of persons that invest in cryptocurrencies are people who have learned how to make money on the internet. To start making money on the internet today, you may consider reading our master guide on how to make money online in Nigeria here

What Is Cryptocurrency Investment

what is cryptocurrency investment in nigeria

Crypto Currency is a digital money designed in such a way that it can be transferred between people in virtual transactions. I.e. you can neither hold them physically in your hand nor keep them in your pocket because they exist only as data.

Investing In Cryptocurrency

Investing in crypto currency means that you will make or loose money from the price fluctuations of these currencies.

Just like investing in shares, crypto currency is a high risk investment that requires dedicated time in monitoring the market trend in order to make the right moves at the right time.

You buy when the price is low and sell when the price has gone up. But if the reverse is the case then, you’ll operate at a loss.

Nowadays, to get started with investing in crypto currency is not as difficult as it used to be as a result of the advent of many players in the industry who have ensured the simplification of the process.


Through these simple steps, you can invest in crypto currency right in the comfort of your room in the next few minutes.

There are a lot of crypto currency dealers in Nigeria right now and some of them are:
These are some of the top cryptocurrency companies that create lots of financial investment opportunities in Nigeria.

How to get started with cryptocurrencies:

  • Log on to any platform and click on create account.
  • Input your details in the space provided.
  • Click on submit and a link will be sent to your email.
  • Go to your email and click on the link to verify and confirm your registration.
  • After that, go to your account on the website and click on wallets after which you will be requested to enter the amount you want to deposit into your crypto currency wallet. (You can either make payment using your ATM Card or Bank Deposit in order to fund your wallet).
  • Once you are done, your wallet will be credited with the value deposited.
  • After your wallet has been funded, you can click on instant buy and select the crypto currency (Bitcoin, ethereum, Litecoin etc) that you want to buy.
  • Enter the amount you’d want to buy the crypto currency with and click buy after confirming all your details to ensure that there is no mistake.
  • Now you can sit back and wait for the price value of the crypto currency you have bought (be it Bitcoin, ethereum, Litecoin or others) to go up so that you can sell and enjoy your profit.

Benefits Of Investing In Cryptocurrencies

  • It gives you the leverage to diversify your investment portfolio because their prices are solely determined by the forces of demand and supply
  • The prices are most times moving up. The price of Bitcoin for instance surpassed that of Gold as far back as 2017
  • World economies and political situations have minimal influence on its value
  • More countries are switching to crypto currency.
  • It has a high ROI within a short period

In all, cryptocurrency investment is among the latest investment opportunities in Nigeria 2020, and we do encourage you to study the latest trend on it and invest. You can hardly run at a lose with this investment.

Shares Investment

Looking for where to invest money in Nigeria? Share is definitely among the top investment opportunities in Nigeria 2020. The importance of buying shares to your financial freedom can hardly be over emphacized.

Though after the financial crises in 2008 that lead to the crashing of the share prices on the stock market, a lot of Nigerian investors have since then stayed away from investing in shares but some smart guys are still out there cashing in on the volatility of the Nigerian stock exchange through their wise investments in shares.

How To Invest In Shares In Nigeria

To invest in shares in Nigeria, you will need to go through a brokerage firm who will serve as your agent. You will have to open and fund a Central Securities Clearing Systems (CSCS) Account with your preferred brokerage firm.

The brokerage firm will offer you professional advice and support on the best performing stocks. You can then decide on which company’s shares you’d want to invest in and then submit your trade order.


Shares are high risk investment hence the need to ensure you take time to study the trends in the market or seek professional advice before committing your money to it.

The good thing with shares is that you become a shareholder in the company you’ve bought shares in hence you are entitled to dividends after every financial year if the company makes profit after tax (PAT).

Similarly, if the prices of the shares climb, you make profit and vice versa. That’s why is is very important that you do your home work very well before deciding on the company to buy shares in.

If you carry out your research very well, buying of shares could be one of the best investment with high profit in Nigeria you could think of in 2020.

So here you have it. The top investment opportunities in Nigeria 2020 that you can channel your money into and get a high ROI. Which ever investment you have decided to venture into, ensure that you carry out due research before committing your money.

Do you have any question? Feel free to drop it in the comment box bellow.

Eze Elekwachi

Hi, Eze Elekwachi holds an M.Sc. in Public Administration and a PhD in view. He is the brainchild behind People see him as a programmer, web developer, content developer and a seasoned e-marketer probably because he's good at what he does...

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