There have been a lot of failed feel-good investments spanning from the year 2020 to 2021. These investments have promised an outrageous and mouthwatering return on investment (ROI) but only to disappoint and disappear with depositors’ funds.

The fear of losing your hard-earned money to unsustainable or feel-good investments should not be overlooked. Looking for stable and safe investments these days could be quite an uphill task.

Everyone wants to feel safe knowing their money is in the safest use possible while generating good returns or profit over a certain period. However, certain investments provide a high degree of safety and stability with minimal risk.

These investments have proven themselves over time to be the best forms of investment.

Real Estate

Investing in real estate or any form of it is a good and highly safe option for anyone looking for long-term investments. Income or returns on investment generated from the real estate could be passive income (renting a property or land) or portfolio income (sale value of real estate property higher than the original cost).

Real estate investment stands as one of the oldest investments in the world today. The value of land will always appreciate even by the smallest percentage. Several real estate companies in Nigeria offer attractive real estate investment options.

Fixed Deposits in Banks

The fixed deposit option is an investment as old as the inception of banks. It involves keeping your money in banks for a certain period to receive a return of investment plus capital at the end of the investment period. It is still a much available and viable banking service in Nigeria today and forms the bedrock of most banks.

Commercial banks offer annual or periodical interest rates. While microfinance banks such as [url]lapo-nigeria.org[/url], [url]mutualtrustmfb.com[/url], and Fintechs like [url]Piggyvest.com[/url] proffer better and attractive interest rates ranging from 6% to 17%. There’s still some minimal risk attached to fixed deposit investments. It’s still a worthy and stable investment that deserves to be on this list.


Gold & Precious Stones

There are a whole lot of lucrative profits to be made from investing in raw materials or naturally occurring minerals such as gold and precious stones like diamonds, tourmaline, ruby, and sapphire. They possess high prices in the global market with a yearly percentage increase.

Nigeria has a lot of precious stones and gold that fetch a high price in the global market. An investment option worth looking at with a lot of research on which natural minerals one should invest.

Cash Crops Exportation

Commercial farming poses a lot of benefits that could bring in a lot of returns. Cash crop exportation is an investment option one should seriously consider looking at the value increment year after year. Cash crops like cocoa, rubber, and cotton are being used in the world for several products.

Its capital structure and the profits made after exporting these cash crops. One would say commercial farming is lucrative. Asides from cash crop exportation, farming food crops has proved to return in various levels of profits depending on the food crop.

Government Securities

The Nigerian Government offers various securities or forms of investment such as treasury bills and bonds to the general public. The interest rates for these securities tend to vary each year ranging from 5% to 11%.

See the [url]cbn.gov.ng[/url] for more information on the Government Securities.

Conclusion

If you are comfortable with stable long-term investments, then a closer outlook to real estate, Fixed deposit, and cash crop exportation should provide a good investment option.

Note, no investment is wholly safe. Each investment brings with its return of investment a closer degree of safety to a perfect 100 percent.

If you have other stable investments that you know, please kindly let us know in the comment section.

Fixed deposit is one of the worst forms of investment anyone can make. You're practically telling the bank here's my money, hold it and don't give it to me until after so and so years. The interest rate may not even survive against the inflation rate.

thesicilian:
Fixed deposit is one of the worst forms of investment anyone can make. You're practically telling the bank here's my money, hold it and don't give it to me until after so and so years. The interest rate may not even survive against the inflation rate.

No, Fixed deposit is not the worst form of investment. I have seen banks like Mutual Trust MFB offer up to 17% ROI on deposits as compared to what other commercial banks offer.