10 Investment Apps Nigerians Are Quietly Making Money From

If you’ve ever wished your money could work for you instead of just sitting in your account, you’re not alone. With inflation constantly on the rise, more Nigerians are turning to investment apps to grow their wealth without stress. 

These apps allow you to invest in everything from stocks and real estate to treasury bills and agriculture, all from your phone. Here are some of the most popular investment apps Nigerians are using to make money quietly.

PiggyVest

PiggyVest started as a savings app, but it now offers investment opportunities that give impressive returns. From fixed-income investments to real estate and agriculture, you can put your money to work with little effort.

• Minimum Investment: ₦5,000
  
• Potential Returns: Up to 35% per annum
  
• How to Start: Download the app, fund your wallet, and explore available investment plans.

Cowrywise

If you want a hands-off approach to investing, Cowrywise is perfect. It offers mutual funds and fixed-income investments managed by professionals.

• Minimum Investment: ₦1,000 for naira mutual funds, $10 for dollar mutual funds
  
• Potential Returns: About 22% annually
  
• How to Start: Sign up, link your bank account, and pick an investment plan.

Risevest

Want to escape the naira’s instability? Risevest helps Nigerians invest in US stocks, real estate, and fixed-income assets, all in dollars.

• Minimum Investment: $10
  
• Potential Returns: 8%–15% annually
  
• How to Start: Sign up, verify your identity, fund your account, and pick an investment plan.
  

Bamboo

Bamboo gives you access to over 3,000 stocks, including major companies like Apple and Tesla. You can invest in fractional shares, meaning you don’t need thousands of dollars to start.

• Minimum Investment: As little as $2
  
• Potential Returns: Varies based on stock performance (historically 7%–10% annually)
  
• How to Start: Download the app, verify your BVN and ID, and start trading.
  

Trove

Trove allows Nigerians to invest in US and Nigerian stocks, Chinese stocks, government bonds, and ETFs.

• Minimum Investment: $10 or ₦1,000
  
• Potential Returns: Up to 5.5% on dollar investments, 20% on naira investments
  
• How to Start: Sign up, browse the available options, and start investing.
  

Wealth.ng – Invest in Multiple Sectors

Wealth.ng offers a mix of investments, including stocks, real estate, agriculture, and fixed income. It’s great for those looking to spread their risk across different industries.

• Minimum Investment: ₦10,000
  
• Potential Returns: 13%–22% annually, depending on investment type
  
• How to Start: Sign up, verify your identity, and fund your account.
  

Bravewood – Low-Risk, High-Return Investing

Bravewood is known for its structured investment plans that cater to different financial goals.

• Minimum Investment: ₦50,000
  
• Potential Returns: Up to 25% per annum
  
• How to Start: Download the app, sign up, and choose your preferred investment plan.
  

InvestNow

InvestNow offers mutual funds, equities, and fixed-income investments, catering to both beginner and experienced investors.

• Minimum Investment: Depends on the asset
  
• Potential Returns: Varies based on market performance
  
• How to Start: Open an account, select an investment, and start earning.
  

I-Invest

For those who prefer steady returns, I-Invest focuses on low-risk options like treasury bills, Eurobonds, and government securities.

• Minimum Investment: ₦100,000
  
• Potential Returns: 10%–15% per annum
  
• How to Start: Verify your BVN and ID, fund your account, and start investing.

Chaka

Chaka gives you access to Nigerian and global stocks, ETFs, and bonds, making it easy to diversify your investments.

• Minimum Investment: ₦1,000
  
• Potential Returns: Depends on market performance
  
• How to Start: Sign up, complete KYC, fund your account, and start trading.