13 Legit Online Investment Platforms With High ROI in Nigeria

Many Nigerians are looking for where to invest their money instead of just leaving it in the bank. This is the reason why we have decided to compile a list of online investment platforms in Nigeria that one can invest with. You know that when you leave your money in your savings account in the bank, the charges are usually more than the supposed interest paid. Just imagine how much you are charged on a monthly by banks – if we add up all the transaction charges, it will be over #500 per month.

So it’s clear that leaving money in the bank will not add anything to the money. However, investing it will. Do you know that there are many online investment platforms in Nigerian that allow Nigerians to invest their money in? Some of them even allow you to earn while you save with them, while some allow you to invest in local and foreign stocks. 

In this article, I will be listing out some of them. So let’s dive in.

What is an investment?

We all hear about investments, but have you really taken time to digest what an investment really is. Well, to the best of my knowledge, an investment is anything you commit money or time to with the expectation that it will yield profit for you in the future. Bear in mind that investments usually come with a certain amount of risk – some high risk while some low risk. However, if everything goes well, it will eventually be worth the risk.

This element of risk is what makes it important that investment must be properly investigated, studied, and planned before committing to it.

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Is Netcontacts Nigeria Legitimate?
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With the above strategies you can be making atleast ₦100k Monthly from this business.

Now let’s continue….

What are the Best Online InvestMent Platforms In Nigeria?

There are a lot of online investment platforms in Nigeria, but we can only discuss 13 of them today. All the online investment platforms listed here are legit and safe to invest in.

1. PiggyVest

PiggyVest is one of the best online investment platforms in Nigeria in the fintech industry. In just a few years, they have made significant impact in the financial industry in Nigeria and changed the face of banking.

There were formerly known as Piggybank and operated more as an online savings platform. Now that they have rebranded to PiggyVest, they have a lot of enticing features that can make you money.

Some of what they offer that can benefit an investor are:

SafeLock Savings offers you up to 12% ROI on any amount you invest. The Safelock savings will pay you for saving your money for a fixed period of time during which you must not withdraw until the specified time expires. Think of it as a fixed deposit account with traditional banks, except that the yearly interest rate of PiggyVest’s Safelock is almost two times higher.

Other investment portfolios on PiggyVest include Investify which gives you up to 25% ROI on your investments. With Investify, you can invest in various pre-vetted businesses just like crowdfunding businesses and then get paid after the specified term ends. Others are Target Savings which is like Ajo, Dollar wallet savings, and Piggybank savings where you can earn up to 8% ROI per annum simply by saving automatically.

2. Bamboo

Bamboo makes it easy for investors to buy stocks from the US as well as Nigerian Stock Exchange. There are over 3000 stocks to choose from and they have made it so easy that you can invest through their mobile app. 

The minimum you can invest in is $20 and you can always pay with your Nigerian debit cards. Bamboo is a legit and safe online investment platform and you can be sure that your money is safe.

3. Risevest

With as low as $10, you can get started with investing with Risevest. This is another one of the online investment platforms in Nigeria that allows you to invest in US stocks, and as an added advantage, your stocks are managed by trained personnel. All you need to do is to choose an investment plan and their trained personnel takes care of the rest.

Rise has a history of about 14% annual returns on US stocks, making it one of the best options to invest in foreign stocks from Nigeria.

You can pay with your Nigerian-issued debit cards. But first, you will need to create an account with them. Just make sure you have all the necessary document normally asked for account openings at banks such as your utility bill, ID, and personal details.

4. Investment One

Investment One is another online platform operated by GTBank. That alone means it’s legit. It was established in 2007 and became a financial service in 2008.

As an online investment platform, they offer funds management services where you get to choose and manage your mutual funds and other investment schemes. Some of these investments can yield returns as low as 2.42% or as high as 14.12% per year.

They also offer Pension management as a way for pensioners to invest on their retirement.

Other fund management services they offer are stockbroking for those who wish to invest in stocks and Trust services.

Investment One also offers Capital Management services which include Finance services to help people and small businesses to achieve their financial goals through loans. Others are Venture capital services which provide support to SMEs, Private Banking, and Investment banking.

For more information on Investment One, you can visit their website or walk into any of their branches.

5. Trove

Troves is quite similar to RiseVest because it also allows you to invest in local and foreign stocks. But what is more interesting is that with Trove, you can invest with as low as N1,000. Can you beat that? Trove allows you to invest in stocks from the US, China, and Nigerian stocks, bonds, etc.

You can pay with any of your Nigerian-issued debit cards. You can also withdraw anytime you want to your bank account.

6. Carbon

Carbon was formerly known as Paylater. It is one of the online investment platforms in Nigeria that allows you to save and earn interest on your savings. You can also use carbon to pay bills, and get instant loans.

Carbon Savings offer 3 major investment plans and they are:

• Cash Vault is a plan that allows you to keep a fixed deposit of nothing less than N50,000 and earn as much as 11% on it.
• Goals plan allows you to save as low as N100 daily, weekly or monthly and earn interest on completion of the target. You can earn as much as 9.5% on this plan.
• FlexSave allows you to invest any amount you can as spare cash and earn as much as 9%. It is also a flexible plan which means you can add to the amount you invested at any time.

7. Cowrywise

Cowrywise is similar to PiggyVest in the sense that you can save and invest while earning on both. They offer about four saving plans which are Regular savings, Life Goals, Halal Savings and Saving Circles.

Their investment plans allow you to easily purchase any Nigerian mutual funds and manage withing their app.

8. Chaka

Chaka is also one of the online investment platforms in Nigeria that is focused on local and foreign stocks. You can buy stocks like Uber, Apple, MTN, Dangote, etc. on Chaka and earn dividends.

You can start with as low as $10 or N1000 which makes it very affordable to start. You can pay with any of your Nigerian-issued debit cards and withdraw whenever you want.

9. Wealth Ng

Wealth.ng is an investment platform available that allows you to invest in diverse investments such as securities, real estate, agriculture, etc, and manage them all within their app.

You can also buy such investments in the name of your partner or family members. Some of the products they offer include:

• Fixed Income plan which allows you to invest in Bonds or treasury bills with as low as $500 and N10,000  respectively. You can earn as much as a 13% ROI on this plan.
• Stocks which allow anyone to invest in stock. This product, unlike Fixed Income, is risky. Before investing, make sure you have done your research and are confident with the investment. You can choose to either invest in local or foreign stock.
• Agriculture which allows you to invest in agriculture and earn up to 22% ROI by investing through Wealth.ng.
• Real estate allows you to invest in real estate with as low as N10,000 and earn up to 18% ROI per annum.

10. PayDay

PayDay Investor created by ARM Group is an online investment platform in Nigeria that allows people to start a savings plan and earn while at it. It has about 3 savings plans which are:

• Goal-based investments that allow you to set how much you want to invest daily, weekly, or monthly.
• Group goals investment allow you to set a savings or investment goals together with your partner.
• One time investments that allow you to invest one time and earn interest on it.

Interest rates can go as high as 12.6% per annum and you can withdraw at any time.

11. I-Invest

I-invest is one of the feature-rich online investment platforms in Nigeria. With I-invest, you can invest in treasury bills, Fixed deposits, equities, bonds, etc. You can also save and earn on your savings with I-invest. The minimum you can invest with I-invest is N100,000. Once your assets mature, you can cash out at any time. You can easily invest in treasury bills and other assets with your phone.

12. E farms

E-farms is an agro-based online investment platform in Nigeria that seeks to fund small farmers in different localities. You can earn between 15% to 35% ROI on your investment at e-farms. Some of the products you can invest in include, Poultry, Pig, Maize, Cassava, Tomatoes, etc. and the period of investment usually lasts between 6 – 12 months.

You as an investor invests in these farmers and then share the proceeds after harvest. They also run a school that trains and finances Nigerian students who want to go into agriculture but lack the skills or funds.

13. Fint

Fint is an interesting online platform for Nigerian investors that operates as a loan community that connects lenders to borrowers. The borrowers are thoroughly vetted to make sure they are creditworthy so you do not need to worry. Even more, your money is insured by Old Mutual insurance to protect you from any unfavorable circumstance.

Also, not only do you lend your money but Fint manages your money to make sure you get a good return on your investment. The minimum amount you can lend or invest on Fint is N20,000 and you can earn as high as 26% to 39% yearly returns. However, they charge you a 1.5% maintenance fee which is deducted from your monthly returns.

Conclusion

These are the best online investment platforms in Nigeria that you can invest with. As you can see, with these online platforms, you can invest in local and foreign stocks, bonds, agriculture, real estate, fixed income, and even earn on your savings. Even with as low as one thousand Naira, you can start investing in these platforms. How easier can it be to start investing? So gear up your investment belt and start investing to diversify your income. 

Do you know any other trustworthy online investment platforms in Nigeria that is not listed here? Let me know in the comment section and please share with your friends.

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