Hello I created this thread so that we can discuss on investment ideas and how best to pick, start and maintain an investment. I studied Economics and am currently working with an investment firm.

Let's check the meaning of investment 

- (finance) A placement of capital in expectation of deriving income or profit from its use.

I will simply put it as anything or activity you put in your wealth/capital with the aim of getting an addition to what you originally put in.

In Investment there are basically 3 problems
What to invest in.
Capital to invest
Managing investment to achieve expected yield.

What to invest in!
It is important you pick the right investment to invest your wealth so that you don't run at a loss. So the big question is what should I invest in. Many people rush to buy Tbills, fix there money with financial institutions because the want a risk free investment but have you asked your self " the wealth of wealthy men was it acquired by investing in risk free investments?" the answer is "NO" what wealthy men do is to use the capital market as a means of capital preservation, it's not where the make there money. The make there money by bearing risk that's why the are entrepreneurs. Successful investors take calculated risk they don't shy away from risk. If you have the finance employ or hire finance experts to study the economy and advice you on what best to invest your money on, but what about the average nigeria how has little or no capital, how can such a person become an investor. I have some tips that will go a long way to guide you on how to pick the right business to invest in.
-

Following...

What to invest. 

In selecting what to invest, lots of factors need to be considered like
Capital
Market etc
Some people jump into Nairaland and start asking for advice on where to invest xxxxx amount of money. If you ask me I will say it's a wrong approach, why wrong is it a wrong approach? It's because you don't know how reliable the advice you get is, truth be told there are lots of fraudsters in Nairaland, some don't qualify to give you advice because the know nothing about investments. 
      Let me give you a better approach, first it's always advised to start small when starting a new investment, the reason for this is because at that stage you don't have an established market for your product and you don't know how consumers will react to your product / service. So look for something you could start small and then with time you grow. 
   Look for something that the raw materials / skills are available here in nigeria.
 Do your own personal survey to see if the product is saleable or look for a product/ service you know people will need.

     Then lastly I always advice people to invest in things the enjoy doing,! Yes what you enjoy doing! You may ask why and my answer is you love and passion will be a good source of motivation to push you to go the extra mile in it. 

" it's not what you do but how you do it that matters" 

There is virtually no investment that can not make you wealthy it's all about having a vision. 
 You could also Google up on investments that need small capital to setup or read through business journals/ news papers or publications you will definitely find something that will catch your eye. It is only when you've made up your mind on what you want to invest in that you can go into social media and ask for tips on how to go about it.
 Disclaimer : Am not disputing the fact that there are other factors that could also be considered when choosing where to invest but I believe the above mentioned stand out. 

I will stop here for now, I will appreciate comments, questions etc before I move into the next one

thanks..am kenny frm warri...still schooling bt i will lik to invest early pls cn u giv me genuine investment plan

i love your write up man... big upz ( i even had to save this page sef)

Kennyfancy: thanks..am kenny frm warri...still schooling bt i will lik to invest early pls cn u giv me genuine investment plan

Investment plan are written with a particular product / service in mind, I can write one for you but I won't be helping you if I do that, it's best we discuss on what ever it is you want to embark in that way you will have more than enough ideas to draw up your own business plan to suite you.

DAVE5: i love your write up man... big upz ( i even had to save this page sef)

thanks dave

Kennyfancy: thanks..am kenny frm warri...still schooling bt i will lik to invest early pls cn u giv me genuine investment plan

Read this book, Rich Dad's Guide to Investing: What the Rich Invest in, That The Poor and Middle Class Do Not. by Robert T. Kiyosaki. In the book, You will find out what Investment plan is.

capital to invest


It is not advise able to go for loans from banks or financial institutions when starting a new investment, the reason for this is because you don't yet know the out come of the investment, so at that point you don't need to go into debt for what you are not yet sure will appeal to customers. But assuming the business is already moving the banks will even be the ones to approach you and persuade you to accept loans from them to expand your business. 
     So now the question is where/ how can I raise capital to start my own investment? Why not look inwards and not out wards! 
         First you need to have a steady source of income(a job) then you start CAPITAL accumulation. I recommend two(2) forms of capital accumulation and will discuss them in brief.
INVESTMENT SAVINGS 
This are investment that serve to encourage savings, interest on such investment may not be fat but your capital is guaranteed. A simple example of this is when I was still in secondary school, once we get to the month of August my dad would start a little poultry in our compound, every month he would invest part of his income into the poultry, by December all the birds must have all matured so we sell them and the money realised from it is what we use for Xmas expenditure.  The beauty of investment savings is that no matter the temptation, you can't lay hands on the invested capital till maturity. Still under investment savings are treasury bills, KGIF etc please note stocks are not included because risk involved.

      SAVINGS SCHEME 
Another alternative for capital accumulation is saving scheme. This scheme offers you the opportunity to save a certain portion of your income every month till you reach your target capital while receiving interest on it. At investment-one financial services we offer a wide range if saving schemes ranging from 10000 to 1000000. The beauty of saving scheme is you start with a particular amount and you keep contributing that amount over a period of time and still get interest.
This are the two major means an average income earner can accumulate capital to go into investment.

Comments and questions are welcomed

.

@emie4life please can you help with investment plan for a poultry farm... i really want to investment on dis business, i want your update

metopeters: @emie4life please can you help with investment plan for a poultry farm... i really want to investment on dis business, i want your update

Ok I will do that but first I will need some details from you that will act as a guide line while writting the business plan, send me a PM

@ernie4life, very educative write-ups you have done there. Thanks for the piece. Yes, it is true that good business start-up should focus on the actual need of the market. The common saying is "FIND A NEED AND SUPPLY IT" Once that is done, you are always smiling to the bank.
www.entrepreneurialjunction..com

let's do a little interaction,
starting an investment and managing that investment, which one is more challenging? please back up your answer with reasons.

Managing an investment it's kind of complicated because both macro and micro economic factors come into play. But with careful planing the odds can work in your favour.
First thing is to read up anything concerning the investment you want to start, there are experts in that business who you are most likely not to meet but with there books, you can learn from them.

Ask questions about any part of the business you don't know, don't assume anything. If possible meet someone who is into that same line of investment, tell the person your plans about the investment and hear what he or she has to say.

Have an objective mind set, most of the people you will meet for advice when starting an investment will tell you things to discourage you, that's why you should have a positive mind set to overcome all obstacle that comes your way because that is what successful people do.

Investment is a bed of roses so expect thorns. Things are not always what the seem to be,  so be prepared for the worst. Don't  leave anything to chance.

In every investment two things are involved either you succeed or you learn, have that in mind

those looking for sample of business plan for poultry business, here is an extract that will help

3 Factors that makes Poultry Farming a Profitable Business. There are a lot of factors that make poultry farming business a profitable one but I will be highlighting only three major factors:

Food is one of the basic needs of man. Regardless of the economic situation, human beings must feed and since domestic birds are consumable; that makes poultry farming feasible.

My country Nigeria for instance has a population of over 150million and growing; bear it in mind that a huge population means a huge demand for food (egg and meat).

With the increased awareness on the health implications of red meat; there’s an increased demand for white meat andbirds are a source of white meat.But before I go into the details of starting a poultry farming business, I want to emphatically state that the information provided in this article does not in any way replace the need for you toconduct a feasibility study,write a business plan for yourpoultry farmand do your own due diligence.Secondly, the information shared in this articleis applicable to any locality; be it United States, Canada, India, United Kingdom, Nigeria, Ghana, South Africa, etc. Without wasting your time, below is a step by step guide on how to start your own poultry farming business.

How to Raise Chicken Organically in your Backyard
How to Start a Poultry Farming Business – 

Sample Business Plan Template1. 
Select your Poultry NicheThe poultry industry is a broad niche. There are many sub-sectors in the poultry industry which you can tap into. When poultry farming is mentioned, a lot of people take that to meanchicken rearing or turkey rearing alone but poultry farming is a very wide business with different aspects. Below are niches in the poultry business:
Egg production (Layers breeding)
Meat production (Broilers breeding)
Chicken breeding (Hatchery)
Poultry feed production
Poultry equipment manufacturing
Egg and meat processing, packaging and marketing
Poultry marketing and consultancy

So, you see that poultry farming is very wide. Therefore, you have to choose your area of specialization. Of course, if you have enough capital and the technical know-how nothing stops you from doing all the businesses underpoultry farming but it is always better to go back to the drawing board, find out which aspects of poultry farming are more profitablein your area in terms of demand and income and then select the most attractive aspects to concentrate on.

2. What type of bird will you be focusing on?Another important factor to consider is the type of birds you wish to rear. There are several types of birds that you can rear. Poultry farming can further be classified into the types of birds:
Domestic fowl or Chicken (Broilers and layers)
Turkey
Guinea fowl
Pigeon
Duck
Goose
Peacock
Quail
You also have to decide on whether you want to rear layers or broilers. Layers are usually raised mainly for laying eggs so if egg production is your area of specialization, you would need to stock your farm with layers but if you prefer to opt for meat production instead, then you would need broilers instead because broilers have the ability to grow very fat and gives more return on investment because they weigh a lot more than other breeds. But for this article, I will be focusing on poultry breeding for egg and meat purposes with respect to the domestic fowl.

3.Start-up Capital Investment
The poultry farming business is capital intensive; depending on the scale, location of your farm and the type of management technology used. A small scale poultry farm being run behind your house may require a capital of between $500 – $1,500. A medium scale poultry farm may require $2,000 –$5,000 and a large scale poultry farm may require a start-up capital of $10,000 and above. Like I stated earlier, scale is directly proportional to capital.

4.Poultry Location
A good location is vital to the success and profitability of your poultry farm. An ideal poultry farm should be sited where there’s a large availability of cheap land and at the same time; should be close to areas with high population density. It’s not advisable to site your poultry farm within a residential area because of the offensive odour it produces.While it is smart to start your poultry farm in a place where the odor and noise would not disturb other people, you should also considerthe security factor. Lands in sparsely populated settlements are cheap and you would have fewer issues with community disturbance and zoning but it may be far from your market and buyers. You need to find a balance, look for a place that is favorable to you and would also be favorable to your customers at the same time.

5. Housing your birds
Another important factor to consider is the poultry housing system. Poultry housing system determines up to 40% of the rater of success you would achieve in poultry farming.A good housing system is very important for your poultry farm. The housing system commonly used in poultry farming are-
Extensive system
Range and fold unit
Semi Intensive system
Standard semi intensive unit and straw yard
Intensive system:
 i. Deep litter, ii. Wire and slated floor, iii. Straw yard, iv. Battery cage

Free Range System-: Under free range poultry farming system, chickens are allowed to roam around on their own in search for food. This system cannot be used for commercial poultry farming because of the high level of risks involved.

Deep Litter System-: This system involves spreading wood shavings or saw dust on a concrete ground with the chickens placed on the floor and the dust serving as a ‘cushion’ for them. The dust is changed regularly, either by removing and replacing or by layering. Deep litter system is used by a lot of poultry farmers because it increases efficiency and makes it easier to manage large flocks of birds but it allows for a faster spread of diseases when there is an outbreak and also makes it difficult to fish out unproductive birds.

Battery Cage System-: As for the battery cage system, metal cages are constructed inside a building to house the birds. The cages are usually split into different compartments to house small groups of birds.The cages also contain feeding and water troughs as well as laying nests. Bird droppings fall on the floor and are cleaned mechanically by a scraper. This method is considered to be the most effective for egg production but the major downside of this method is that it is more expensive to construct and maintain compared to other forms of poultry housing systems.If you are running a poultry farm for commercial purposes and you intend getting the best out of the business; with respect to high birds’ productivity and efficiency. Then you should consider housing your birds using the intensive system. 
Note that each of the three housing system has its own advantages and disadvantages. Lastly, your poultry housing structure should be built at a particular angle; taking sunlight and wind into consideration.

6. Poultry equipment and appliancesThere is a very long list of equipment and facilities to put in place in order to fully manage a poultry farm. You would need to construct a house for the birds, provide feeders and drinkers, a good waste disposal system, source of water, lightening and heat, egg crates and storage space for keeping feedand eggs.Therefore, you should make a list of all the items you would need, find out the prices and compare different prices to further give you anidea of the costs of setting up the poultry farm.The following equipment may be needed for your poultry farm and their uses:
Feeders
Drinkers
Perches
Nests
Crates
Lighting system
Waste disposal system
Incubator
Heaters or brooders
Egg tray
Cages and coops

7. Feeding your birds-: Feeding is a major aspect of poultry farming. In fact, about 70% of your expenses would go towards poultry feeding. Therefore, it is imperative to figure out the feeding aspects of business before you go into it. There are two ways to go about feeding in poultry farming:
Producing your feeds by yourself
Buying already-made poultry feeds
I recommend t

I recommend the former for large commercial poultry farms because it helps you to save a lot of money on feeding costs. You can easily learn how to make poultry feeds, purchase equipment and start producing feeds for your farm. You can even make some extra income for yourself by selling to others but it is important that you get the right feed formula and ingredients that would enhance the growth of your birds.

8. Poultry Farm staffing and manpower
Operating a poultry farm is not labor intensive if the use of technology is employed. With respect to staffing, the number of manpower needed is also dependent on the size of your farm. But some must haves should be admin officer or manager; who will oversee the day to day running of your business. Your manager can also double as your accountant to cut down cost.It is also advisable you have personnel who will reside permanently in the farm to monitor and see to the well being of your birds. You will also need security personnel that will monitor the inflow and outflow of people around your farm; and most importantly, guard against theft. Aside these few mentioned, you can add more personnel to suit your business needs.

9. Accounting-: I mentioned in one of my previous articles how a lot of poultry farmers take the accounting and record keeping aspects of their business for granted. Poultry farming is just like any other commercial business out there and for you to track your performance and productivity, adequate records must be kept. You don’t need to have an accounting background or spend hours on record keeping or accounting for your farm; just purchase a farm management software, install it on your computer and there you are, you would be able to know how your business is doing and whether you are growing or not.

10. Health-: Just like you need regular health check-up to stay in good shape, the birds in your farm also need regular check-up. They need proper vaccines and medications to prevent diseases and promote growth. You should have a consultant, a veterinary doctor who would be in charge of giving vaccinationsand providing proper health care for the birds.

11. Marketing-: Another factor to give consideration to is the marketing aspect of your poultry business. You have to find a way to reach your customers and this would be done by employing the right marketing techniques. Therefore, before you start a poultry business, you should really consider the marketing strategies which you would use to break into the market.

12. Projected return on investmentThe incubation period of the domestic fowl is 21 days. You can start selling off your birds asearly as 8 – 12 weeks but full maturity is reached between 20 – 24 weeks. The paybackperiod of a poultry farming business is between 3 – 5 years.

Five Challenges of Starting a Poultry Farming Business
Poultry farming business is one of the most important and profitable aspect of  livestock farming business especially in Nigeria. But  like every other business, there are risks and challenges involved. Do you intend venturing into poultry farming but you would like to know the risks and challengesthat you will be facing?  Then i advice you read on.
Challenges of Starting a Poultry Farming Business
Poultry farming has a longer pay back period
It is Labor intensive
Pests and predators can cause massive loss

Lack of support from the government
Taking a close look at Nigeria today, you will attest to the fact that the government shows little or no interest in livestock farming; let alone poultry farming. The government is more interested in the oil sector thereby not showing concern to poultry farming and this brings discouragement to the poultry farmers.Even the assumed agricultural loan the government provided cannot be accessed because of the stringent conditions attached. The only visible effort of the government is therecent ban on the importation of live or frozen poultry birds. So if you are interested in starting a poultry farming business, then you must be prepared to go it alone without looking to the government for help.

High start-up capital
The very first factor you have to give serious consideration to is capital. Just like every other business, poultry farming needs sufficient and proper funding. This is because the amount of capital you have to invest has alot to do with the level of success you would achieve in poultry farming. If you have enoughcapital, you would be able to put facilities that would increase your productivity in place.You cannot do well as a livestock farmer, especially poultry farming when you don’t have enough fund. You need money to purchase a land for the farm, to construct and equip the farm, to hire and pay staff/laborers and also to feed and provide healthcare for your birds. Without proper funding, you will struggle to keep your business afloat but with enough capital; business is made easier. So itis advisable that you do your financial analysis very well and ensure you have access to cash because nothing kills a business faster than lack of money.

Outbreak of diseases
When the environment is dirty, disease and infection is inevitable. Birds like chicken are very sensitive to environmental changes. If the poultry environment is not properly taken care of, the chickens will be exposed to diseases like bacteria infection. So as a poultry farmer , you must ensure that the poultry environment is kept clean and disinfected. You must avoid bringing in contaminated equipment, vehicle,and foot wears. Also, visitors should not be allowed into the poultry environment and ensure that you sterilize your hands before touching the birds.

Non availability and affordability of vaccines
In the agro-allied industry, especially poultry farming; this particular challenge affects the small scale poultry farmers more because; unlike the industrial or commercial poultry farmers who can afford the vaccines, the small scale poultry farmers can’t afford the vaccines.

Adulteration and high cost of poultry food
The price of poultry food is quite costly and birds consume a lot. So most poultry farmers economize or ration the food given to the birds and this affects the output. Also, adulterated poultry food flooding the market isanother challenge for poultry entrepreneurs. This is because the adulteration utters the necessary nutrients the birds need in order to grow well, thus making them unhealthy and reduces their immunity to diseases.As a final note, i believe you have gotten a clue on the challenges you should expect as apoultry farmer and the best solutions to them. So start now by creating a counter-strategy totackle these challenges and success will be yours.

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@ ernie4life

Please expand more on
INVESTMENT SAVINGS/KGIF
and
SAVING SCHEME

Where and how to go about it.

kajoula:
@ ernie4life

Please expand more on
INVESTMENT SAVINGS/KGIF
and
SAVING SCHEME

Where and how to go about it.

Investment savings is all about investing small amount continuously and simultaneously into low risk investments like mutual funds that have guaranteed interest rates, that's where KGIF comes in, it's a Mutual fund that guarantees 12% interest and capital, there are other guaranteed mutual funds like ARM and FBN. Go to mutual funds thread to read more on mutual funds and its features.
Investment savings in not only restricted to mutual funds, you could also buy dollars or Gold which is more stable than naira, the essence of investment savings is to make your cash not so easily accessible so you could accumulate as much as you need, please don't go into stocks when doing investment savings because stocks are high risk investments.

Saving scheme is all about a contributory scheme where u agree to keep contributing a particular amount every month for usually a year, and at the end of the year you can collect every thing you've contributed plus interest , this service is offered by financial institutions like insurance houses or asset management houses but I won't advice you do it with an insurance firm because any month you dont contribute you may lose all you've contributed so far, but with non insurance firms your money is guaranteed no matter what.
The beauty of saving scheme is that your money is far from your account and ATM so your spending is much more controlled and in some cases you could give a standing instructions to that every month the amount you want to contribute will move out of your account to your savings scheme account.


I hope I have explained all

I have an ARM investment savings Discovery account but I want to switch to Money Market Fund account. It is more of a long time investment plan. Before you can have access to your saved funds it will take a minimum of 2years and you must have been contributing regularly into your investment account.

vonskyes:
I have an ARM investment savings Discovery account but I want to switch to Money Market Fund account. It is more of a long time investment plan. Before you can have access to your saved funds it will take a minimum of 2years and you must have been contributing regularly into your investment account.

it's different for investment one, there saving scheme is tailored for a year, even if I need your cash urgently the will still give it to you without stories.

came across this online

1. An attempt at making a quick buck often leads to losing much of that buck.
The people who suffer the worst losses are those who overreach.
If the investment sounds too good to be true, it is.
The best hot tip I've found is "there is no such thing as a hot tip.

"2. Don't let a small loss become large.
Don't keep losing money just to "prove you are right."*.Never throw good money after bad (don't buymore of a loser).
When all you're left with is hope, get out.

3. Cut your losers; let your winners ride.
Avoid limited-upside, unlimited-downside investments.
Don't fall in love with your investment; it won't fall in love with you.

4. A rising tide raises all ships, and vice versa. So assess the tide, not the ships.
Fighting the prevailing "trend" is generally a recipe for disaster.
Stocks will fall more than you think and rise higher than you can imagine.
In the short run, values don't matter.

5. When a stock hits a new high, it's not time to sell something that is going right.
When a stock hits a new low, it's not time to buy something that is going wrong.

6. Buy and hold doesn't ALWAYS work.
If stocks don't seem cheap, stand aside.

7. Bear markets begin in good times. Bull markets begin in bad times.

8. If you don't understand the investment, don't buy it.
Don't be wooed. Either make an effort to understand it or say "no thanks."
You can't know everything, so don't stray far from what you know.

9. Buy value, and sell hysteria.
Paying less than the underlying asset's valueis a proven successful investing strategy.
Buying overvalued stocks has proven to under perform the market.
Neglected sectors often offer good values.
The "popular" sectors are often overvalued.

10. Investing in what's popular never ends up making you any money.
Avoid popular stocks, fad industries and new ventures.
Buy an investment when it has few friends.

11. When it's time to act, don't hesitate.
Once you're in, be patient and don't be rattled by fluctuations.
Stick with your plan... but when you make a mistake, don't hesitate.
Learn more from your bad moves than your good ones.

12. Expert investors care about risk; novice investors shop for returns.*.If you focus on the risks, the returns will eventually come for you.*.If you focus on the returns, the risks will eventually come for you.

Good investing,

Making the decision to invest is the easy part: working out where and how to invest your money can be a whole lot harder. 
For example, which investments do you choose and where do you buy them? 
How can you be sure you'll make money and achieve your financial goals?
However, it doesn't have to be an uphill challenge. Breaking the process down into more manageable chunks makes it easier to pick the right investments for you.

Now let's talk about pure investment, I don't mean setting up a business, I mean working and still investing your cash so that you can have multiple streams of income.
This is ideal for those who are ok with there job but want additional income without having to start there own business.

Pls wht is KGIF ?

Kennyfancy:
Pls wht is KGIF ?

Kakawa guaranteed income fund

ernie4life:
Hello I created this trade so that we can discuss on investment ideas and how best to pick, start and maintain an investment. I studied Economics and am currently working with an investment firm.

Let's check the meaning of investment 

- (finance) A placement of capital in expectation of deriving income or profit from its use.

I will simply put it as anything or activity you put in your wealth/capital with the aim of getting an addition to what you originally put in.

In Investment there are basically 3 problems
What to invest in.
Capital to invest
Managing investment to achieve expected yield.

What to invest in!
It is important you pick the right investment to invest your wealth so that you don't run at a loss. So the big question is what should I invest in. Many people rush to buy Tbills, fix there money with financial institutions because the want a risk free investment but have you asked your self " the wealth of wealthy men was it acquired by investing in risk free investments?" the answer is "NO" what wealthy men do is to use the capital market as a means of capital preservation, it's not where the make there money. The make there money by bearing risk that's why the are entrepreneurs. Successful investors take calculated risk they don't shy away from risk. If you have the finance employ or hire finance experts to study the economy and advice you on what best to invest your money on, but what about the average nigeria how has little or no capital, how can such a person become an investor. I have some tips that will go a long way to guide you on how to pick the right business to invest in.
- 

How about value?

If you don’t understand what value is, you’re
likely to invest in the wrong things.

Even worse, you are likely to even get scammed by
people who may just parade juicy “opportunities”

Many people get scammed because they miss the
fundamentals about value.

Once you understand how value is created, you
can make a better investment decision, no matter
the investment vehicle involved.

Cheers!

ernie4life:


Kakawa guaranteed income fund

pls wht type of offer do they hav ?

ernie4life:


Investment savings is all about investing small amount continuously and simultaneously into low risk investments like mutual funds that have guaranteed interest rates, that's where KGIF comes in, it's a Mutual fund that guarantees 12% interest and capital, there are other guaranteed mutual funds like ARM and FBN. Go to mutual funds thread to read more on mutual funds and its features.
Investment savings in not only restricted to mutual funds, you could also buy dollars or Gold which is more stable than naira, the essence of investment savings is to make your cash not so easily accessible so you could accumulate as much as you need, please don't go into stocks when doing investment savings because stocks are high risk investments.

Saving scheme is all about a contributory scheme where u agree to keep contributing a particular amount every month for usually a year, and at the end of the year you can collect every thing you've contributed plus interest , this service is offered by financial institutions like insurance houses or asset management houses but I won't advice you do it with an insurance firm because any month you dont contribute you may lose all you've contributed so far, but with non insurance firms your money is guaranteed no matter what.
The beauty of saving scheme is that your money is far from your account and ATM so your spending is much more controlled and in some cases you could give a standing instructions to that every month the amount you want to contribute will move out of your account to your savings scheme account.


I hope I have explained all

pls i did 1 mansard insurance saving program, i cn only touch the money after 2yrs, pls will my money lost if i fail to contribute in a month

ernie4life:
What to invest. 

In selecting what to invest, lots of factors need to be considered like
Capital
Market etc
Some people jump into Nairaland and start asking for advice on where to invest xxxxx amount of money. If you ask me I will say it's a wrong approach, why wrong is it a wrong approach? It's because you don't know how reliable the advice you get is, truth be told there are lots of fraudsters in Nairaland, some don't qualify to give you advice because the know nothing about investments. 
      Let me give you a better approach, first it's always advised to start small when starting a new investment, the reason for this is because at that stage you don't have an established market for your product and you don't know how consumers will react to your product / service. So look for something you could start small and then with time you grow. 
   Look for something that the raw materials / skills are available here in nigeria.
 Do your own personal survey to see if the product is saleable or look for a product/ service you know people will need.

     Then lastly I always advice people to invest in things the enjoy doing,! Yes what you enjoy doing! You may ask why and my answer is you love and passion will be a good source of motivation to push you to go the extra mile in it. 

" it's not what you do but how you do it that matters" 

There is virtually no investment that can not make you wealthy it's all about having a vision. 
 You could also Google up on investments that need small capital to setup or read through business journals/ news papers or publications you will definitely find something that will catch your eye. It is only when you've made up your mind on what you want to invest in that you can go into social media and ask for tips on how to go about it.
 Disclaimer : Am not disputing the fact that there are other factors that could also be considered when choosing where to invest but I believe the above mentioned stand out. 

I will stop here for now, I will appreciate comments, questions etc before I move into the next one

pls do u hav the kGIF website