If you want to grow your money without stress, these investment apps make it easy to diversify, manage risk, and maximise returns, all from your phone. In an economy where inflation constantly eats into savings, investing is one of the smartest ways to stay ahead.
These platforms give you access to various investment options, from stocks and real estate to treasury bills and mutual funds.
We’ve curated a list of the best options, what they offer, potential returns, and how to get started.
1. PiggyVest
Piggyvest gives Nigerians access to pre-vetted low to medium-risk investment opportunities, including fixed-income, real-estate and equity options.
- What they offer: Investments in different industries, including fixed-income, agriculture, real estate, transportation and more.
- Minimum Investment: ₦5000
- Returns: Up to 35% returns per annum.
- How to get started: Download the app, fund your wallet and explore available investment options.
2. Risevest
Risevest gives you access to global investments in US stocks, real estate, and fixed-income assets, helping you build a dollar-denominated investment portfolio.
- What they offer: Automated investment plans in dollar-denominated stocks, real estate, and fixed-income assets with different risk levels and expected returns per annum.
- Minimum Investment: $10
- Returns: Historically, between 8%–15% annually, depending on your plan.
- How to get started: Download the app, sign up with your BVN and valid ID, fund your account via bank transfer or card, and pick an investment plan.
3. Bamboo
Nigerians can access over 3,000 US and Nigerian stocks on Bamboo, making it easy to invest in companies like Apple, Tesla, and Dangote.
- What they offer: Stocks, fixed income, and fractional investing, so you can start with small amounts.
- Minimum Investment: You can buy a fraction of stock with as little as $2. Bamboo offers a service called Fractional Investing, which means you can purchase parts of any stock based on how much you want to invest.
- Returns: Varies based on stock performance, with historical averages of 7%–10% annually.
- How to get started: Download the app, verify your account with your BVN and ID, link your bank account, and start trading.
4. Cowrywise
Cowrywise automates savings and investments through mutual funds, fixed deposits and emergency funds, offering low-, medium-, and high-risk investment options.
- What they offer: Naira and dollar mutual funds, automated savings, and fixed-income investments.
- Minimum Investment: ₦1,000 for naira mutual funds or $10 for dollar mutual funds.
- Returns: Historical average 22.87% annually on the Cowrywise investment portfolio.
- How to get started: Download the app, sign up, link your bank account, and choose your preferred investment plan.
5. Chaka
Chaka provides local and international stock trading with access to over 4,000 stocks and ETFs across 40+ countries.
- What they offer: Nigerian and global stocks, ETFs, and bonds.
- Minimum Investment: ₦1,000
- Returns: Varies based on market performance.
- How to get started: Sign up, complete KYC, fund your account and start trading.
6. I-Invest
I-Invest specialises in fixed-income investments like Treasury bills, Eurobonds, and equities. It’s ideal for low-risk investors seeking steady returns.
- What they offer: Treasury bills, government bonds, fixed-income securities, and equities.
- Minimum Investment: ₦100,000
- Returns: 10%–15% annually, depending on the plan.
- How to get started: Download the app, verify your BVN and ID, fund your account, and start investing.
7. Wealth n.g
Wealth.ng offers stocks, fixed-income, agriculture, and real estate investments, making it a diverse option for active and passive investors.
- What they offer: A diverse investment portfolio that includes stocks, treasury bills, fixed income, mutual funds, real estate, and alternative investments like agriculture.
- Minimum Investment: ₦10,000
- Returns: Up to 22% for agriculture, 20% for real estate, and 13% for fixed income.
- How to get started: Sign up, verify your identity, fund your account, and choose an investment option.
8. Bravewood
Bravewood is a CBN-regulated digital finance service that offers Nigerians low-risk investment options and decent returns.
- What they offer: They offer investment plans for every goal, from securing a child’s future to other financial goals for maximising wealth.
- Minimum Investment: ₦50,000.
- Returns: Up to 25% annually.
- How to get started: Sign up, fund your account, and choose from different investment options tailored to your financial goals.
9. Invest now
Invest Now is a digital investment app that offers mutual funds, equities, and fixed-income investment options. It caters to investors of all risk levels, providing real-time market updates and automated investment options.
- What they offer: Mutual funds, equities, trusts and fixed-income investments.
- Minimum Investment: The funding amount is based on the assets you choose to invest in.
- Returns: Variable based on market performance, with earnings coming from dividends and capital appreciation.
- How to get started: Open an account, choose an investment option, fund your investment, and start receiving returns.
10. Trove
Trove is an investment platform that allows Nigerians to invest in local and international markets.
- What they offer: Access to Nigerian stocks and US stocks (including Fortune 500 companies like Apple and Tesla), Chinese stocks, government bonds, ETFs and more.
- Minimum Investment: $10 or ₦1,000
- Returns: Up to 5.5% returns on Dollar investments and up to 20% returns on Naira investments.
- How to get started: Download the Trove app, sign up, browse the available options and start investing.
Bottom Line
Whether you’re looking for steady, low-risk returns or high-growth opportunities, these investment apps give you the flexibility to build wealth on your terms. You don’t need millions to start; just choose an app, invest and let your money work for you.
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