15 Legit High Yield Investment in Nigeria

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Online Payment Platforms In Nigeria

High yield investment

High yield investment opportunities offer us an opportunity to create wealth for ourselves. Wealth building requires that you develop financial habits like proper management of your income through saving. Investing takes you a step further by making your savings even more valuable.

Even though some investment scholars think high yield investments are most likely Ponzi fraud schemes, but i have taken my time to research the best legit high yield investment opportunities in Nigeria and they are explained below.


What is an High yield investment?

High yield investment opportunities are money-making ventures that guarantee continuous growth of your investment, the investment size notwithstanding. These investment opportunities vary in industry and nature in which they present themselves.

When it comes to reaching your financial goals, it’s all about building sustainable wealth. With the right investments, you can reach this goal. In our current financial space, many investment opportunities present themselves. However, you have to be certain that you are investing in high returns options.

The goal of this article is to provide you with a list of high yield investments in Nigeria. With the power of compounding interest and strategic planning, you will be able to grow your investment.

Maybe you have previously tried and failed with many money-making options, there are still many legit opportunities to grow your money. In recent years, the barrier of entry into the investment world has been greatly decreased. Investing can be done just as easily as ordering food or a cab online.


Why is investing important?

Nothing to make better than consistent passive income. One legitimate way to escape the “work rat race” of life is make profitable investment decisions.

There are many scams and Ponzi schemes in Nigeria that pose to be credible opportunities. This has prevented many people from taking advantage of the wonderful opportunities that present themselves.

It doesn’t matter if you’re an employee, entrepreneur or even a freelancer, making smart investment choices can improve your financial standing.

Asides from the obvious goal of wealth building, investments can help you offset many of your everyday minute money worries.

It’s important to understand that, the investment opportunities listed here are not entirely risk-free. While they are high yield investments, there is no risk-free investment. The investment opportunities are practical methods and not just textbook examples.


High yield investments

Without any further delay, let’s take a look at some of these high yield investment opportunities.


1) High-yield Online Savings Account

These platforms are especially preferred by those who prefer the savings route. The main goal of platforms like these is to help you build the discipline of saving your money to make high yield investments.

Platforms like Piggyvest and Cowrywise provide modern solutions to age-long problems. With them, you can earn as much as 10% to 16% annually on your savings, and grant access to various investment pools.

Unlike banks in Nigeria that offer little or no interest in your savings, this platforms offer you more for less. From mutual funds to crowdfunding profitable projects, your investments will be sure to yield results.


2) Invest in Cryptocurrency

Cryptocurrency investment has become a lucrative venture in recent years. It has become a means for High yield investment and a means of exchange when buying and selling things online.
Like many other business, the rules here are simple, buy low and sell high. It’s all about knowing which cryptocurrency is going to increase in value in the near future.

The advantages the cryptocurrency market provide also increase the risk attached to it. Especially when factors like volatility and scam rate are put into consideration. As a cryptocurrency trader, you must be ready to experience extreme up and down movement of your assets.

Rumour and hear say are major instruments utilized in spreading illegitimate investments opportunities in this industry. Before venturing into this space, a fair amount of research on your part is very necessary.


3) Real Estate Investment In Nigeria

You can never go wrong when investing in one of the three basic necessities needed by man. Shelter, which is categorized under the umbrella of real estate is an essential commodity.

The need for accommodation by human beings will always remain. There is no substitute for the need for having a roof over your head at all times. This is why real estate will always be a profitable investment opportunity.

When it comes to making money off real estate, many options come to mind. Whether you are considering residential or commercial buildings, there are a wide array of choices. Some of the areas to look into include:

  • Buying/ selling or leasing of land
  • Building and selling of properties
  • Building and selling of built properties.
  • Building and charging rent on commercial or residential buildings.
  • Being a property agent. etc.

Real estate investing in major commercial cities like Lagos and Abuja guarantee even higher returns on investments.


4) Stock Market Investments

The stock market is ripe with various opportunities to grow your investment. When it comes to Nigerian stocks, many people stay away from them mainly because of the state of the economy.

However, like many other investments, Nigerian stocks also make their merits. There are many Nigerian that make a good amount of money from stock investments. Therefore, it’s not a far fetched or unrealistic goal.

With proper research, you can find a company that is up to par with your investments requirements. There are many companies with good performance tract record and reputation to invest in.

With the right High yield investment, you will not only receive good capital appreciation, but also a substantial dividend and amazing bonuses.


5) Invest in Gold

This golden opportunity has created my millionaires over the years. For many years, gold has been known for being a good store of value. This positions it has a credible investment opportunity.

Many merchants and individuals purchase goal in various sizes with the hope that it increases in value in the coming years.

A good example is a 15-karat gold bought today, can we be worth much more in the coming 5-10 years. The period king money in this business might vary between the short and long term.
While some people might buy gold to keep and sell in the future, others might sell immediately, especially when dealing with accessory products.

Before venturing on investing in this business, you must get acquainted with the industry from a genuine source.


6) Livestock Investment

From my last experience with buying a cow, a cow usually costs between 100, 000naira to 250,000naira or upwards.

Livestock provides an excellent investment opportunity. Food is a necessity for human beings and livestock satisfy a certain ratio of this necessity. With the right amount in investment and choice of livestock, you can build a very lucrative business.

Animals such as poultry, pig, snail, as well as fish are well known options. By rearing any of these, you can become a supplier to various restaurants and households.

The good thing about this business is that you can also adopt the indirect mode. Meaning, you don’t have to carry out the maintenance of the business by yourself. This can be done by two methods:

  • Hiring knowledgeable handymen that take care of maintainable.
  • Investing in organizational pools to form a large-scale farming scheme. This can be done with a group of friends or with a company.

Companies like these are known for being a source of High yield investment. Payments are based on the contract, periodically or at the end of the project.

However, the cost of buying a good amount of young chick or calf is fairly minimal. The real costs in when purchasing feed over the course of their growth. These cost can then be factored into their price (with standard market price in consideration).


7) Transportation services

Humans are constantly on the move. The transportation of humans from one place to another has proven to be a profitable business.

You can make money by providing transportation services to companies, schools or individuals. Companies like Uber, bolt and Taxify make it easy for individuals to make money in the transportation business.

This business can also be done indirectly by purchasing vehicles and hiring drivers. This makes it easy to get your returns at the end of the week or month.

Starting your own reputable moving company is also an option. With people changing their home locations daily, your company will make a lot of money by helping them haul their property.

8) Delivery Services

The internet allows many small businesses to connect with your customers over the Internet. However, many of them lack the facilities to send their products to customers.

This is where you come in. By investing in providing delivery services, you can fill a market gap and be rewarded for it. The delivery business in Nigeria is a growing niche that is proving to be very profitable.

With a reasonable start-up capital, you can deliver small goods/products with motorcycles. By contracting with various large and small business owners you will have a constant stream of delivery gigs.

With the right management, your delivery business with experience growth and you will be able to upgrade your equipment.


9) Trade foreign shares

Foreign stock exchange market gives us the opportunity to earn even while we are in Nigeria. It is understandable if you don’t want to invest into Nigerian shares. There are many structures in place that will allow you to profit from foreign economic growth.

Applications like Trove, Bamboo and
Risevest allow you can start investing in shares with any amount from as low as N5000.
Have you been looking for ways to earn in dollars? This is you chance to earn and store your Naira in Dollars. Consider how the Nigerian economy continues to decline, this is a smart choice.

With this medium, you are able to invest in some of the biggest companies in the world. Acquiring shares from companies like Facebook, Apple and Tesla will prove to be very profitable in the near future.


10) Investing In Food Business

This is a business industry that provides a wide variety of money-making opportunities. While shelter and clothing are equally necessities, the need for food is usually a more frequent.
High yield investment in the food industry can come in various forms. Some of them include the following:

  • Opening a restaurant.
  • Offering purely catering services to event.
  • Beverage shop. (Smoothie, ice cream, etc.)
  • Running a pastry shop.

Your choice can be dependent on your target audience. Launching your business in any of these forms will allow you to serve organizations, schools and individuals. This will allow you to build your portfolio and grow your investments over time.


11) Savings bond

Interest on Federal government savings bonds is reported to go up to 13%. This High yield investment opportunity entails that you lend money to the government. Your interest on investment accumulated on your capital is dependent on how long you save.

This savings bonds opportunity gives Nigerians of all financial classes an opportunity of contributing to national growth and development.

This is done by simply lending money to the federal government in exchange for high returns. The Federal Government Savings Bond time frame ranges from two to three years.

The concept was also designed to make the savings culture attractive to the average Nigerian citizen.

Interest are paid to you twice a year, if you choose this option, the minimum investment allowed is NGN5,000 maximum is N50,000,000.


12) Mini importation

This is a personal favourite. While importation and exportation of goods might require a large amount of initial investment, mini importation is different.

With this high yield investment opportunity, you buy trending product from china, import to Nigeria at a very low cost and sell to your target audience.

Mini importation as a skill can be learnt at a fairly low price of 5,000-20,000, depending on the tutor.


13) Crop production

The agricultural industry is green with opportunities. Investing in the source of the food industry itself is most definitely an high yield investment.

Crops ranging from rice, beans, maize, cassava and more, act as raw materials to many packed products we use in our everyday lives.

Many people are finial able to see the potential of the agricultural industry. Some promising crops to invest in include: Rice, Maize, Cassava, Beans, Plantain, etc.

You can either hire a farmer or invest in a farm. Which ever route you take, you can make a deal with them on how you can get your returns when harvest time comes.


14) Commercial Paper Investment In Nigeria

In case you haven’t heard about them before, commercial papers, which are also called CPs, are the new Nigeria Treasury Bills (NTBs).

This change occurred after a huge fall in the yield of Treasury Bills from 22.80% to 12.99%. This happened between July 2017 and July 2018.
In current years, CPs have slowly become the most issued unsecured money market in Nigeria in terms of high yields investments.

One important reason for the change from treasury bills to commercial papers is that, with CPs the interests of investors are more protected by the Security and Exchange Commission. This allows for more secure and regulated transactions by investors.


15) Forex investment

The forex market is open to investors of all classes. This business venture has earned it’s spot as one of the high yield investment because of the high returns it guarantees. All that is required is that you learn the skill from a credible source before investing into the market.



As an investor, making profitable investments is a dream come true. Every smart Nigerian looks for the most legitimate business opportunities out there. This list consist of the most feasible investment opportunities with the lowest barrier of entry. I have provided you a detailed walk-through on some of the high yield investments in Nigeria. I hope they will be of help to you.


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