How to Wisely Utilize the New FG Loan Scheme for Federal Tertiary Institution Workers Without Falling Into Debt In a bold economic move, the Federal Government of Nigeria is set to launch a zero-interest loan scheme for civil servants in Federal Tertiary Institutions (FTIs). The structure is simple: you can access a loan equivalent to…
How Nigerian Civil Servants Can Turn the Upcoming FTI Loan Scheme Into a Wealth-Building Opportunity (Instead of Debt) By an Experienced Investment Banker | Mentorship Series | There’s a wave coming—and you’re either going to ride it or be washed away by it. The Federal Government (FG) of Nigeria is preparing to launch a revolutionary…
For many civil servants, financial growth can feel slow and unpredictable. But what if there was a way to make your money work for you—quietly, consistently, and powerfully? That’s where the magic of compound interest comes in, and with a simple compound interest calculator, you can start making informed decisions about your savings and investment…
Many are called “Oga” in the office, but the reality at home is far from it. They dress smart, speak smart, and earn just enough to impress—but underneath, they are barely surviving. They live on loans, skip meals to meet deadlines, and even borrow to host naming ceremonies or funerals. Their job offers prestige, not…
Savings vs Investing ₦20,000 Monthly for 10 Years Criteria Savings Investment Monthly Amount ₦20,000 ₦20,000 Duration 10 Years 10 Years Estimated Total Saved ₦2,400,000 ₦2,400,000 Average Annual Return 5% (Savings Rate) 20% (Investment Growth) Total Value After 10 Years ~₦3.3 million ~₦7.3 million Risk Level Very Low Moderate to High Best Use Emergency Fund /…
Year Total Saved (₦) Total Investment Value at 10% ROI (₦) 20 Years 24,000,000 76,570,000 25 Years 30,000,000 133,330,000 30 Years 36,000,000 226,000,000 If you’ve ever asked yourself, “how to start investing?” or wondered whether a goal-based investing approach like monthly savings could truly make you rich, the answer is a resounding yes. Saving ₦100,000…
Best Dividend-Paying Stocks in Nigeria for Long-Term Investors (2025 Edition) If you’re looking to build passive income through the Nigerian stock market, dividend-paying stocks are your best friend. These companies not only grow in value over time but also pay you regularly—just for being a shareholder. With inflation rising and the naira weakening, many Nigerians…
Top 10 Performing Nigerian Stocks in the Last 5 Years If you had invested in the right Nigerian stocks five years ago, your portfolio could have grown by over 1,000% today. While many complain about inflation and a falling naira, smart investors quietly grew their wealth by choosing high-performing companies on the Nigerian Exchange (NGX).…
Why More Nigerians Are Investing in Shares Instead of Land in 2025 For decades, land and real estate have been the go-to investment for most Nigerians. Owning “a piece of land” was viewed as the safest and most profitable way to build wealth. But in recent years, a new shift is happening—more Nigerians are now…
Have you ever wondered why some people seem to attract wealth effortlessly while others work hard without getting ahead? It often boils down to one thing—daily habits. The habits of the rich aren’t built overnight, but they are consistent, intentional, and often surprisingly simple. If you’re looking to build long-term wealth without burning out, it’s…