Insight

• Ikiodiete George
• 5 Min Read

Best-Rated Investment Platforms In Nigeria For Beginners (2025)

With inflation and job insecurity on the rise, more Nigerians are turning to online investment platforms to grow their wealth. Thanks to mobile apps and digital innovation, investing is no longer reserved for the wealthy—even beginners can start with as little as ₦1,000.

Whether you're interested in stocks, mutual funds, crypto, real estate, or fixed savings, this guide will introduce you to the best investment platforms in Nigeria in 2025, tailored for newbies.

Top 10 Investment Platforms in Nigeria for Beginners (2025)

Here’s a summary table comparing the top platforms based on features, returns, and beginner-friendliness.

1. Cowrywise

Best for: Beginners in mutual funds & automated savings

Cowrywise makes saving and investing easy through a sleek mobile app. It offers mutual funds curated by experts and regulated by the Securities and Exchange Commission (SEC).

• Features: Auto-save, goal-based plans, halal investing
• Min. Amount: ₦1,000
• ROI: Up to 15% annually
• Regulated: Yes

Why Beginners Love It: Simple UI, low entry point, and expert-curated plans.

2. PiggyVest

Best for: Fixed savings, target savings, and safe investing

PiggyVest started as a savings app but now includes low-risk investment options, including Fixed Income and Earn feature.

• Min. Amount: ₦500
• ROI: 9–13% annually
• Extras: SafeLock, Flex Dollar, group savings
• Regulated: Yes (via partnership with investment partners)

Why Beginners Love It: Great for disciplined saving with high flexibility and good returns.

3. Risevest

Best for: Investing in dollar assets (US stocks, real estate)

Risevest helps Nigerians invest in global markets without hassle. You don’t need to understand the US stock market—experts manage it for you.

• Min. Amount: $10 (~₦15,000)
• Investment Options: US Stocks, Real Estate, Fixed Income
• ROI: 10–15%
• Regulated: Yes

Why Beginners Love It: Dollar investments help hedge against naira devaluation.

4. Bamboo

Best for: Self-directed stock investing in the US market

Bamboo offers access to over 3,500 US stocks and ETFs, all from your phone.

• Min. Amount: $1
• Regulated: Partnered with SEC-licensed custodians
• Withdrawals: Processed in naira or dollars

Why Beginners Love It: Start small and learn how global stocks work.

5. Trove

Best for: Investing in Nigerian + US stocks from one app

Trove allows you to buy stocks, bonds, and ETFs in both Nigerian and global markets.

• Min. Amount: ₦1,000
• Assets: Nigerian stocks, US stocks, REITs, ETFs
• Regulated: Yes

Why Beginners Love It: Easy access to local and global financial assets.

6. Chaka

Best for: Long-term investors interested in stock diversification

Chaka is an SEC-regulated platform that allows trading of local and international stocks.

• Min. Amount: ₦1,000
• Assets: NGX, NYSE, NASDAQ
• Regulated: Yes

Why Beginners Love It: Transparent charges and user-friendly dashboard.

7. Afrinvest

Best for: Mutual funds and low-risk bonds

Afrinvest is a licensed wealth management firm that allows online purchase of curated funds and bonds.

• Min. Amount: ₦5,000
• Products: Treasury bills, mutual funds, eurobonds
• Regulated: SEC

Why Beginners Love It: Low entry point and professional management.

8. I-Invest

Best for: Treasury bills, government bonds, and safe investments

I-Invest is a mobile platform that allows Nigerians to invest in FGN bonds and Treasury bills without needing a stockbroker.

• Min. Amount: ₦100,000
• ROI: 10–12%
• Regulated: Yes

Why Beginners Love It: Best for capital preservation and steady returns.

9. Bundle Africa

Best for: Crypto beginners looking to test the waters

Bundle is a crypto wallet for trading, saving, and earning interest on cryptocurrencies.

• Min. Amount: ₦1,000
• Supported Coins: BTC, ETH, BNB, USDT
• Risk: High volatility, but high reward

Why Beginners Love It: Fast onboarding and integration with local banks.

10. Bamboo REITs

Best for: Investing in real estate without owning property

Bamboo recently introduced fractional Real Estate Investment Trusts (REITs), allowing users to earn returns from property investments.

• Min. Investment: ₦20,000
• ROI: 12–20%
• Regulated: SEC via partners

Why Beginners Love It: Affordable access to real estate cash flow.

What to Consider Before Investing

1. Regulation: Always choose SEC-regulated platforms. Avoid Ponzi schemes.
2. Risk Level: Low-risk options (e.g., Cowrywise, PiggyVest) are better for beginners.
3. Minimum Capital: Start with platforms that accept as low as ₦1,000.
4. Withdrawal Flexibility: Check if funds are locked for a specific period.
5. Customer Support: A responsive team is a huge plus.

How to Start Investing as a Beginner in Nigeria

Step-by-step:

1. Choose a beginner-friendly platform like Cowrywise or PiggyVest.
2. Download the app from Google Play or App Store.
3. Sign up and complete KYC (Bank Verification, NIN).
4. Fund your wallet via card, transfer, or USSD.
5. Start with ₦1,000 or more and monitor your returns.

Frequently Asked Questions (FAQ)

Q: Which platform is best for absolute beginners?
Cowrywise and PiggyVest are great starting points because of their simplicity and low capital requirement.

Q: Is investing in these platforms safe?
Yes, if they are SEC-regulated and have strong reputations. Avoid unregistered or "get-rich-quick" schemes.

Q: Can I lose money?
Yes—especially with stock and crypto platforms. Stick to low-risk funds if you’re not ready for market swings.

Q: Can I invest in dollars from Nigeria?
Yes. Use platforms like Risevest, Bamboo, or Trove to invest in USD-denominated assets.

Q: Do I need a dollar account?
Not necessarily. Most platforms handle currency conversion automatically.

Final Thoughts

Whether you’re saving for a future project, building wealth, or hedging against naira depreciation, there’s never been a better time to start investing in Nigeria. With platforms like Cowrywise, PiggyVest, and Risevest, beginners can start small, stay consistent, and grow steadily.

Don’t wait. Pick a platform, start with ₦1,000, and build your financial future—one investment at a time.