Top 10 Investments in Nigeria with Monthly Returns


Nigeria is one of the most rapidly growing economies in Africa. It’s a country that has experienced tremendous growth and change over the last decade, with more than 2/3 of Nigerians living in cities, and the GDP per capita jumping to $1,000 from just $300 since 2000.

Nigeria has the potential to be one of the fastest-growing economies in Africa and a hub for FDI.

Investments with Monthly Returns in Nigeria

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We have compiled a list of investments that can help grow your wealth while also not compromising on monthly returns. All these investments are safe, secure and offer competitive monthly returns!

#1 – Nigerian Stock Exchange:

The Nigerian stock market is worth over $300 billion which means there is plenty of opportunities to invest here.

Investing in stocks provides you with high liquidity, transparency and diversification benefits which will soften the blow when markets decline.

#2 Lagos Real Estate Property Market:

The Lagos property market provides a great opportunity for investors looking to buy properties that can be rented out. The rental rates in Nigeria are very affordable and the potential return on investment is good, compared to other countries.

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Nigeria boasts a growing middle class and the real estate market is expanding.  Investors should be mindful of bottom lines, as properties are expensive for renters but affordable for buyers or those looking to become landlords.

#3 – Automobile Industry:

Investing in an automobile industry stock will give you exposure to one of the most important industries in Nigeria. As the Nigerian population grows and demand for cars increases, so will the profitability of this industry.

#4 – Telecoms Industry:

The telecom industry is worth billions of dollars with plenty of opportunities to invest. With more people signing up for internet service every day, there’s an increasing number of mobile phone outlets and growing demand for data services.

#5 – Taxify or Uber :

Investing in these companies will give you exposure to the car-sharing industry which is growing.

With more people turning away from traditional taxi services, this sector has a lot of potentials and there are opportunities for exponential growth.

Uber business in Lagos, Port Harcourt, Abuja, Ibadan, and a few other cities are growing faster than any time before.

All you had to do is to find a good driver with a proven track record who can run the business for you around the city for a fee and with Uber/Taxify business is fast growing at an alarming rate as demand for taxi services increases rapidly.

If you invest money into these companies today, your investment will grow by the time they are fully operational.

#6 – Agriculture Business

This is an interesting investment because it has a lot of potentials.

Agriculture business can be done in Nigeria with the use of technology and innovation that will help them to do it more efficiently than before, as well as making sure they are able to grow their crops better for increased yields.

The Nigerian agriculture industry is one of the most important sectors in Nigeria and this is because it offers employment to a lot of people.

If you are thinking about investing in the agriculture business, now might be the best time for you to do so as technology will soon make its way into the Nigerian farming industry.

A new innovation called Artificial intelligence Farming has made its way to rural Nigeria and it is something that can help farmers in a lot of ways.

Also, the agriculture business has the highest gross domestic product when compared to any other sector in Nigeria which means this is an investment worth considering for anyone who wants their money to grow.

Even though there are risks with investing in agriculture, one doesn’t have to worry about them in the long run because most of these risks have been mitigated.

#7 – Supermarket/Retail Business


Starting a supermarket in Nigeria is a great idea for anyone who wants to make their money grow.

Supermarkets are places where you can buy food and other goods needed in the home like medicine, toiletries, clothes, etc.

It is one of those businesses that will allow your capital or investment to double within no time at all if done well enough because not only do they have to pay their own rent but also for the items that are stocked in them.

It’s been seen as one of those investments with high returns and low risk because this is a business people can never do without which means they will always need it no matter what happens.

Therefore, anyone who starts one won’t regret doing so.

#8 – Beauty and Barbing salons

The barbing and beauty salon business is one of the most popular industries in Nigeria.

With an estimated number of 10,000 hair salons located across the country, a Nigerian needs to travel less than 1 km before they find themselves at a salon.

Although this industry has grown exponentially over the last few years, there are still many challenges that these salons face such as lack of capital.

Many of us have been to a barbing salon and experienced the ritual that entails.

In Nigeria, beauty is a booming business. In fact, Nigerians spend more on hair care than any other country in the world! The bustling hub of Lagos alone has over 15 million people and nearly 14,000 barbershops and Beauty Salons.

On there are over 5,000 salon-related businesses listed on the business directory.

A Nigerian will typically visit their barber once every three to four weeks for a haircut and shave.

The cost of this service varies depending on the location, but expect to pay around N400 to N15k per cut or shave at one of these low-cost shops that are often open 24 hours a day.

#9 – Mini-importation business

Nigeria has been a major player in the supply of goods from China to Africa and other developing regions for more than two decades now. It is estimated that Nigeria imports about $6 billion worth of Chinese goods annually, which is more than any African country save South Africa.

What started as a small-scale operation by individual traders has evolved into an industry worth billions of dollars, with Nigerian importers competing against each other for shipments arriving at Lagos’ busy port daily.

Importing to Nigeria can be difficult because it’s not always easy to find reliable suppliers who are willing to ship their products across the world on consignment or on credit terms, but there are ways for wary investors to minimize risk if they go about things carefully.

There’s no point in investing in goods that don’t have a proven history of providing an attractive return on capital or produce enough to cover their maintenance costs.  Choosing items that are already popular among Nigerians is also important, as they’ll be easier to sell.

What to Import?

– Clothing – Textiles like fabrics, clothes and shoes are easy to transport and provide a steady monthly return on investment.  Nigerians love new imported fashion trends so this is another good way for investors to make money fast with little risk.

– Electronics – The Nigerian market for electronics is growing at a rapid rate.  Buying and reselling these items can be lucrative, but the buyer needs to know what they’re doing or it could end up being an expensive mistake.

– Jewelry – Gold jewelry has always been popular in Nigeria because of its perceived value as both a luxury item and investment opportunity.

#10 – City Transport Business

Bus driving is one of the most lucrative businesses in Nigeria today. As the Nigerian population increases, demand becomes high which means you can earn big bucks per month with this business venture.

You need to have appropriate documents before getting into it but once you get started, it won’t be hard for you to make a living out of it.

– You can get an estimated N 500,000 to N 2,000,000 per month for driving buses in Lagos

– In Abuja, the monthly earnings are about N 800,000 while Kano is where you’ll earn about N 5, 000,000. The figures which I mentioned here may not be accurate but they are estimates.

– In order to get started as a bus driver, you need at least N 4, 000,000 which will be used for buying the bus and any other expenses incurred during operation.


The investments listed here have the top 10 highest monthly returns in Nigeria. If you are looking for an investment opportunity, consider these options first to maximize your income and minimize risk.


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