Investments with monthly returns in Nigeria

Making smart investments with monthly returns in Nigeria is one of the fastest ways to build passive income. For sure, these investments take intentional efforts time and a little bit of patience, but they ultimately pay off. More importantly, you have to ensure that they are wise and opportunistic and in no time, they could start to earn you an income with little or no effort. 

Passive income is a major financial goal for many, but most individuals don’t start due to a lack of funds. This does not have to be so for you as there are opportunities that allow you to invest with the little you have. 

Here, we discussed the investments with monthly returns in Nigeria, highlighting those you can start with little or no capital.

What are the top investments with monthly returns in Nigeria? 

Here is a rundown of the top 10 investments with monthly returns in Nigeria:

1. Crypto Trading

Despite the recent collapse of FTX that shook the industry, crypto trading remains one of the best investments with monthly returns in Nigeria. Basically, you can invest early in rising coins and sell after their value appreciates. Another way to earn from crypto trading is through arbitrage – the simultaneous purchase and sale of digital assets across different markets to profit from the difference in prices. 


Platforms like Bitmama offer the best marketplace for enthusiasts to securely trade crypto. You can also opt for the Bitmama Earn service, where you stake crypto for a period of time and receive your investment with a profit at the end of the investment tenor. There are even ways as regarding how to earn bitcoin on Bitmama

2. Agriculture

Despite all the buzz, agriculture remains one of the most untapped sectors in Nigeria. This is true because the country still imports millions of food products despite having rich agricultural soil. Essentially, most individuals today prefer to pursue corporate jobs than “till the soil”, leaving a huge opportunity for investment in agriculture. 

Additionally, the government has identified this need and decided to invest in the agricultural sector through loans. If you play your cards right, you might not even need your personal cash to invest in agriculture as you can simply obtain a government loan. 

A rundown of the profitable sectors in agriculture and farming include: 

  • Maize
  • Plantain 
  • Rice
  • Beans
  • Cassava, etc

Also, you do not have to be an active investor to invest in agriculture. You can simply find a framing business and invest in it for a percentage of the business profit. Other areas to look for include fishery, poultry, snail rearing and more.

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3. Gig Economy Businesses (Uber, Taxify, etc.)

The transportation industry has always been one of the most profitable and if you can get in, it’s one of the good investments with monthly returns in Nigeria. Essentially, the gig economy platforms are booming at the moment as Uber and Bolt’s drivers earn handsomely on a daily basis. All you need is to buy a car, register with your preferred company and hire a driver. The driver can turn over weekly or monthly profits depending on your contract agreement.

4. Food

Essentially, when it comes to the food business, location is everything. Position your business in the right location and the profits will flow in – of course, you have to serve good quality foods too. This is because food is an essential commodity and people have to eat daily to survive. You can choose to set up a shop and employ a manager to run it daily. With a food business, be rest assured of daily returns. 


5. Real Estate 

Real estate is beyond doubt, one of the best investments with monthly returns in Nigeria. Depending on capital, you can decide to invest through real estate companies and receive a percentage share of returns. On the other hand, you can also choose to fly show and build properties yourself, then hire an agent to manage it while you receive the monthly returns.

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6. Mini Importation

Mini importation business is one of the lowkey good earning opportunities in Nigeria. It’s especially rewarding because you only need a little capital, we’re talking as little as N10,000. Additionally, you can also opt for drop shipping or affiliate partnerships by selling other people’s products and taking a cut for yourself. For drop shipping, you do not need capital or have to invest in any stock or goods. Essentially, you import goods at cheaper prices, sell for a profit and pay the supplier. 

7. Monthly Paying Mutual Funds

A mutual fund is a professionally managed investment that pools money from several investors to purchase securities. Most mutual funds come with monthly returns, making it one of the best investments with monthly returns in Nigeria. You can earn as high as 12% per annum on your investment. 

8. Haulage

The haulage business bears a similar resemblance to transportation investment. However, the difference is in the fact that materials are being transported and not humans. For example, you can transport high-demand resources like iron ore, limestone, etc, earning on a weekly basis. All you need is to invest in a transport truck and strike a deal with natural resource miners.


9. Stock and Forex Trading

Although risky and requiring expertise, stock and forex trading are one of the easiest ways to earn passive income. However, you have to know how to intelligently read the market deciphering when to enter and exit. Essentially, you need training and experience to hack this industry, but if you can, you’ll surely earn good money. 

10. Treasury Bills

 These are short-term debt obligations backed by the Nigerian government treasury department with specified maturity dates. Basically, you can purchase a share on its issue and receive interest monthly or yearly depending on the contract agreement. With treasury bills, you can earn up to 10% of your total investment monthly. 

As the best trading crypto app in Nigeria, Bitmama offers a secure marketplace for crypto enthusiasts. Perform activities like crypto trading, crypto staking, and creating virtual dollar or crypto cards for online payment. Get started today by downloading the Bitmama app on Android or iOS.



Nov 30, 2022

5 mins read

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