₦airaland Forum

Looks simple now, but was a big headache back then. Thank God it won't be a big deal for my kids. Daddy understands it perfectly now 😂 😂 😂 😂

What kind of domb table is this

SmartPolician:
This is truly a masterpiece, but states should be investing in avenues they can generate revenue from. That's how you actually grow your GDP and create jobs, not having fancy office buildings.

So those agencies should site their offices under the tree?

kettykin:
please can someone with data explain with out any insults, the cost benefit analysis of this project and why the Govt did not fix the grid first before commencing on roads that have alternatives. is this what Nigeria should be doing now?

Planes and private jets will ply it on a daily basis, including goats and camels

My miracles. Obviously a scammer

Lateefodutola:
but what about OMO Onile issue?
You can leave it for some time and come back to see that it has been taken over or resold without your permission.

Get the necessary documents, fence your land, make sure you snap the sellers while they're signing, put Military zone sign board, always come to check your land, have someone in the area that monitors for you.

It's this your fear that made my dad lose out on a prime location in the 80s

The debate nowadays in the investment space is that inflation of the next 20-30 years will eat all the returns you get, especially if you're investing in paper assets. This however shouldn't stop you from investing anyways, but one asset I believe will best inflation in any part of the world is Landed Property.

They say land does not depreciate. In a country where inflation erodes salaries, devalues savings, and humbles the ambitious, a plot of land quietly holds its ground and then multiplies. For the young Nigerian navigating economic uncertainty, buying land today may be the single most powerful financial decision available.

In 2010 after my youth service I bought a piece of land for N200K in Abeokuta. Silly me, I sold the next year for N300K. Today land in that area is worth nothing less than N7Million per plot. That's a 35X boost in just 16 years

The math is simple. Land acquired in emerging commercial hubs in states like Ogun, Edo, or Enugu will realistically appreciate 10 to 20 times over the next two decades. The cities are expanding. The population is growing. And land supply remains fixed. You can still get land for as little as N500k per plot in these locations.

Don't even be discouraged if the location is still in the bush, just make sure it's an area with an access road and also ensure that people are already building towards that location.

If you have the means, buy in multiple locations. Leave at least one untouched for 20 to 30 years. Resist the urge to sell early.

While waiting, protect your investment. Fence the land to ward off encroachers. Secure proper documentation, a Certificate of Occupancy or registered deed. Consider planting a perennial crop like oil palm, cashew, or teak. It generates income while the land appreciates beneath it.

No matter how hard life feels right now, buy land and stay patient. Let time do the heavy lifting.

Check out my blog https://earnmoney.ng/2026/03/09/one-way-to-beat-inflation-in-next-20-years-is-to-invest-in-this-asset/ for more free posts on money, finances, investments and businesses

Ninaffivadit:
if you're the one you'll reject the 2.5 million right

Well 2.5M is nothing if you have millions, but it's something to millions of Nigerians

How you act when you have a strong backup.

Be like say the wall is not missile proof

DSS just dey smile for corner

Wealthyonos:
Let's assume I start a business like a provision shop that could grow into a supermarket, don't you think you could make higher profits in a year compared to this mutual funds? Or even if it's farming you're investing in?

That's why we advise people to diversify. I have a farm, lands, I sell crypto and I invest in mutual funds

being:
Pls do a research on equity fund yield btw 2016 ＆
2019 so the risks can be better understood.. it is nt always that high.. and it can sometimes be an annual loss

Most Equity Funds returned on the average 70-90% in 2025. How can you be using a 10 year old data to make a current projection.

Of course no one is expecting to see profit forever. Remember, equity funds are invested in the stock market, so when stocks do well, equity funds also do well

They are goners

This is highly commendable

Emzedz:
Nice inputs.. wat are their rates pls

MMF - 18-22%
Equity Income Fund = 35-90%

I have been dishing out a lot of free information on how mutual funds can serve as a fuel to power your future, but a lot of people have been coming up with conflicting stories on how inflation will make your money valueless in the future.

The question I ask most of them is this "Will you advise your young ones to rather keep their money idle in the bank or invest gradually to at least get something in the future?" There arguments always focus on how tens of millions will be valueless in 20-30 years to this time. Do they even realize N500k is valueless now, but it's still luxury to millions of Nigerians.

See, I'm a Crypto enthusiast and I've been in crypto since 2014. I've made a lot of money from it. But 2025 shook me due to Trump's policies. I lost millions. When I had my baby last year, I thought of investing the cash gifts we got and I decided crypto is a No No, so I turned to mutual funds even though the returns is just around 18-20% annually (Money Market Fund)

It was around December last year that I decided to explore the other available options under the mutual funds, then I tried out the Equity Income Fund option (though it carries a higher risk cuz it pays a higher interest) Interest can sometimes be up to 100% in a year, but your investment fluctuates, unlike Money Market Fund which is a guaranteed option.

But now the interesting thing is that since I moved most of my funds to the Equity Income Funds option, it has always been adding up. Of course there are days that I see loss, but it's always minimal. In fact, in February alone, I received profit up to N120K with a capital of N1,180,000. So by February ending, my fund was N1.3M. I added extra N300K to boost my portfolio to N1.6M

As at this moment now, it has added extra 15K to my funds. The fun part however is that your interest is reinvested almost immediately and this yields you additional profits which if compounded over the years, turn into something massive.

The strategy however is to mix your funds in both MMF and Equity Income Funds in a 30:70 ratio.

See, with this opportunity you can even start planning for your children's future education and even leave some money to them when you leave.

For those talking about inflation, Bla Bla Bla I'm sure you've heard of diversification. This won't be the only investment bucket you put your money in. In fact, what I also do is buy landed properties and plan to leave for next 20-30 years. With that you can sell your land at the future value, which will of course translates to lots of gains.

📍 Note: I'm not a financial adviser. I Just thought I could help some young folks today with this information I missed in my 30s. In fact I was shocked when I heard my old, rich landlord talking about mutual funds, which means he must have started investing in that many decades ago.

Don't miss the opportunity. Most banks offer asset management services. Talk to your banker and the interesting part is you can invest with as little as N5, 000 weekly or monthly, even right on your phone.

Check out my blog https://earnmoney.ng/ for more free posts money, finances, life and business

MarkNsukkaBread:
You dey mind them?

Would you rather sit still and not prepare for the future? N500k that solves nothing now is still a luxury to millions of Nigerians. Some have never held it in their lifetime

bdon123:
Wat a poorman doesn't understand is 100m is worthless in d nxt 65yrs

Would you rather advise people not to prepare for the future, regardless?

Unfortunately, millions of people won't have that during that period. The worthless N1million we spend now, how many people can boast of having it.

bdon123:
Its a ridulous interest below rate of inflation.u better off buying bonds or stock than saving cash

Don't underestimate the power of compound interest. Buying shares is also not a bad idea, but have you thought of people that buy shares that lose value over the years?

Best is to diversify your portfolio, but I would rather invest in Mutual Funds Equity Income Funds, than buying shares because the funds are also invested in stocks and shares, but managed by experts. And FYI Equity Funds pay as high as 70-100% annual returns, just that it's not a certainty, just like your shares. ✌️

peleson1:
The one somebody's company is paying him Nkor?

So some one can open GTBank own and also do the two ?
I hope it won't clash and they now tell you no it's just one they will pay you

No they won't clash.

TheMensch:
Thank you very much. I'll talk to First Bank people.
But what if they decide to be funny along the line?

What we need to understand is that fear robs us of a lot of fortunes. The mutual funds that the aristocrats have been using to grow their wealth before the internet came will now crash after you join?

Dijita:
At age 55. How much would #100,000 per month net me at age 65 based on your simulation.
Also for the benefit of those at 30 years what will be the actual value of #100 million in today's money in 35 years.

When I was 30 years old, #10 million retirement portfolio is considered to be significant amount, today it cannot last most people 6 months

That will be around N32million and yes there may be inflation at the time, but if you have N100M in your investment account, you'll still get N1.6M on the average as monthly returns. That would at least cater for your basic needs as a retiree, while your N100M still remains intact.

So it's better for one not to bother oneself with the problems of the future. The most important thing is to start saving/investing now

TheMensch:
This is low-key interesting. Op or anybody that understands this thing very well should offer more explanation. I think I'm interested. How can someone make the deal?

I use Gtbank asset managers, GT FUND MANAGERS. There's Stanbic IBTC, First bank, ARMS investments, but I prefer using banks. Talk to your bank if they offer mutual fund services. Palmpay also offers it. It's under the WEALTH button 🔳

Wealthyonos:
N100M is not that hard to make. If you make N100M at age 65, how you want take enjoy the money? Abi u dey prepare the money for your burial? 😂 😂 😂

Not easy to make for billions of people across the world. And You don't plan to live till 90+?

You obviously used a wrong prompt. It calculated for you with a fixed annual returns of 20% and not an interest rate calculated daily. Every profit earned per day is immediately reinvested and calculated in the interest rate for the next day

Thedon12:
According to AI:

Great — let’s calculate this properly.

You’re:

20 years old

P≈3,800–4,000permonth
✅ You would need to invest about 3,900 per month at 20% annual return to reach 100 million by age 65.

Most Nigerians laugh at the idea of retiring with N100 million. To a lot of people this is an unrealistic dream, but this is very much achievable only if you can just make that decision to take action.

At just 20% annual returns, a 25-year-old saving just N1,042 per month will hit N100 million by age 65. A 30-year-old needs N2,596. These are not large sums. The mathematics does the heavy lifting because returns are reinvested and grow on themselves every single month.

The practical vehicle is mutual funds. A combination of a Money Market Fund for stability and an Equity Income Fund for long-term growth can comfortably deliver 20 percent annually. Both are accessible, regulated, and available on your phone.

The obstacle is never the amount. It is consistency and the interesting part is most of your banks like Gtbank, First bank, Stanbic IBTC, UBA , offer asset management services.

https://earnmoney.ng/2026/03/03/if-you-want-to-make-n100million-by-age-65-this-is-how-much-you-need-to-save-invest-monthly/

Make 🇳🇬 replace them naaaa