How to invest little money and because millionaire ideal

 "If I had ₦100k today, this is exactly how I’d invest it in Nigeria – step by step."

One question I get asked a lot as a finance manager is:

“Favour, I don’t have millions yet. Can I still invest ₦100k wisely?”

Absolutely — and here’s my honest answer:

You don’t need millions to start your wealth journey.

What you really need is clarity, consistency, and courage.

Here’s how I’d personally structure ₦100,000 if I was starting from scratch today in Nigeria’s current economy:

Step 1 – Safety Net (₦20,000)

Before anything else, I’d build a mini emergency fund. I’ll keep ₦20k in a high-yield savings app like PiggyVest SafeLock or Cowrywise — this gives peace of mind and earns passive interest.

Step 2 – Low-Risk ROI (₦25,000)

Next, ₦25k goes into a low-risk money market mutual fund, like Stanbic IBTC Money Market Fund.

It’s stable, earns daily interest, and is easy to withdraw when needed.

Step 3 – Growth Investment (₦20,000)

Then I’ll invest ₦20k in a dollar-denominated fixed income asset on platforms like RiseVest or Bamboo.

It protects my money from naira inflation and grows in USD.

Step 4 – Stocks (₦25,000)

₦25k will go into buying shares in top-performing companies via Chaka, Trove, or Bamboo.

Owning equity is long-term wealth play.

Step 5 – Knowledge Capital (₦10,000)

Finally, I’ll invest ₦10k in a good book, online course, or webinar.

Mindset is everything — if you grow mentally, your finances will follow.

 Even if all you have is ₦20k or ₦50k, start somewhere.

Divide it and apply the same mindset.

The goal isn’t to become rich overnight.

It’s to build the habit of multiplying money.

Remember:

“Your salary keeps you afloat. Your investments build your future.”