₦airaland Forum

Meerahbel:
Investment-wise, I'd ask a few questions before deciding, but based on the numbers alone:

₦545,000 generating ₦7,000/month means about ₦84,000 per year, roughly 15.4% annual return.

That's not a terrible return for money sitting relatively safely in a bank.

For the land to beat that investment, the land would need to appreciate by more than about ₦84,000 per year (plus cover any costs, documentation, transport, fencing, etc.).


The bigger issue is that not all land is an investment. In many parts of Ogun State, people buy land and it sits for 5–10 years with little demand. Meanwhile, some areas around Mowe, Ofada, Shimawa, and the Lagos expansion corridor have appreciated significantly because development moved there.

So the real question is:

1. Is the land genuine? (Survey, title, excision/gazette/C of O status, family ownership issues, etc.)
2. Is there actual development around it?
3. Can you afford to leave the money untouched for several years?
4. Do you have an emergency fund separate from this ₦545k?

If ₦545k is all your savings, I would be cautious about locking everything into land. Land is not liquid. If an emergency comes up next month, you can't sell one corner of the plot to pay hospital bills.

Now for the roasting part: "I know I'm not too smart."

My brother, the people who are not smart are the ones who buy land because the seller said: "Sir, Lagos is moving here."

Then Lagos refuses to move there for 12 years.

You're actually asking the right question: "What is the opportunity cost of taking my money out of an income-generating asset?" Most people don't even think that far.

My practical approach would be:

If the land is in a genuinely developing area and the title checks out, land could outperform the bank return over 5–10 years.

If this is your entire savings, don't empty your account unless you have another emergency buffer.

If possible, keep some cash reserve and use only part of your savings for the land.


One thing I'd like to know: Is the ₦7k monthly return guaranteed interest from the bank, or is it from a fixed deposit/investment product? And what's the exact price and size of the land? Those details would make the comparison much more concrete.

1.There is development around it my brother
2. I can leave the money untouched for 12 years self I have other places i get money
3. The survey and deed of agreement is sure my boss
5. I have an emergency fund boss

WhiteIverson:
Enrique won the UCL back to back with the same set of players just like Zidane did 3 in a row

Man is really the GOAT

Hopefully he can win it again next year

That is where Man U comes in . The sleeping lion that woke up

nicodemusic:
Well, this is roughly 1.3% of your capital monthly. I suggest you leave the money in the bank and keep adding to it so as to yield more monthly interest for you, and depending on how much you can save, this will just be like a side gig that pays you monthly stipend with your capital still intact. When you have saved enough, you can invest it into something that’s worthwhile. IMHO

Okay boss, I respect that

Your input will be welcome guys

Good morning guys, I have 545k that I saved in a bank giving me return of 7k per month, 2 months ago i saw a land available at place in ogun state after mowe ofada area. I want to ask should I withdraw the money to buy the land or keep enjoying the 7k..

Investment wise what is the best decison to take here

Pls banter and roasting is welcome. Because I’m here to learn. I know I’m not too smart.

Pix Google Image

If dem give this one 100 million per year he go still complain… I tired for people , do you think it is rosy in other countries. Why is it so hard for that your uncle in Abroad to send money!!!. Everything government government. People needs to learn financial education Some people will see 30 million. They see 200 million because they already know the type of business they will do with quarter of money to generate sustainable cash flow per month..

afrodoc2:
Nobody is buying him for 80m.

They will soon faraburuku bale.

That is how they Brighton put 80m tag on baleba!!! I don’t know why premier league teams are like this

Dont worry boss, this your selfish attitude will later land you for trouble, if you choose one, the other girl waiting she go kon dey do after waisting her time, you see how evil u are, happy wedding anniversary 😂😂😂, karma wey dey wait for u eenh!!! But if women do this,
You all be blaming women. Just pray as u won date make uno jam agbako partner wey go waste your time and resources

Greenodds:
Chai, I learnt the hard way. That year Bro, I was paying my girl friend(fiance) 100k monthly, paid her house rent, bought her generator that can carry her AC and buy fuel every week whenever I bought mine, buy her clothes from time to time. I didn't receive shi shi through out the 2 years we dated. I didn't mind because it was a thing of pride for me to be taking care of my girl and all her needs, only thing this girl ever did for me was on my birthday she threw a surprise party for me and imvited family and friends of which I even footed half of the bill. Now that's on the financial side.

I was so in love with this girl I wasn't using my common sense. If we quarreled she would say she needed space and i wouldn hear from her for like 3 or 4 days. She would tell me I should stop coming to her place unannounced(I no gree for that one sha aa). Some weekends she would say she was going for an all girls indoor party. Some times it would be going to the club and I would even give her my car. Chai love is a mental disorder I swear. I paid for driving school. This girl invested literally zero into the relationship except her time and cooking which she doesn't even do all the time. When my eyes started to open was when her brother wanted to leave the country and this girl gave him 500k. I was shocked and the scale fell off my eyes. Then I had a small financial issue and I wasn't able to foot her bills as I used to, she couldn't bear it and told me she was travelling to another state to go stay with her cousin until I bounce back, when she came back I found sex lube in her bag. That was the final straw for me but I didn't wanna leave the r/ship without a replacement, 70% of the love died and she could sense it, i just couldn't leave because I have invested so much in her. I started a relationship with another girl without her knowing and after a few weeks me and my first girl had a small misunderstanding and as usual she said she needed space. Person wey no know say I don't already move on. After a week she came to make up I no gree I told her make she still dey her space because me I don quit the r/ship. She cried and cried and begged and begged, but it was too late.

Your own mumu carry PhD join

All Bruno fernades haters need to jailed 10 years in prison

Bruno the best midfielder in the world

kingthreat:
Less than 5% of the men she sleeps with will actually contract it. Men, if you notice unusual rashes on a woman, flee.

Rashes like how??

I love my guy to be tough, I love my guy to be beating me, I love toxic guys, that is what await you..

Yes boss I and naps ususbjjj

We know the ojoro they did for burnley yesterday. We know premier league want to let them win it. Premier league is nosense to me…

Omo so gory!!!, This people are very wickedooo!!!

Watch it here!!!
https:///video-of-the-abducted-teacher-bheaded-by-bandits/

ChizzyBuna:
Messi can buy Al nassr and c Ronaldo combined and 800 million change go still remain

No use this brain advice your kid.

Omo this noah ajayi is too good abeg!!! he deserved first teamoo!!! That boy to sabii dribble

. Dem don beat all this one till the extent that dem don run

These are the issues, imagine someone rubbishing nigeria citizens because you pay peanut salary for your roles, I dont blame him, I blame our government because if nigeria have a working system, this man will not be uttering jargons. You can try such in america, there is always a serious consequences for misyarning unless you are the president

I will share my own guys boss

Mrviktor:
See the mess happening in Madrid all season

Mbappe
Vini
Trent
And Caracas getting slapped by Rudiger

Yet media isn't saying anything

But sanch Nd Tengah issue nearly break Internet

Why dem mumu like this, he dey slap them and dem look like bolo, I trust myself. I go don modulate hin teeth, teeth go don full everywhere

kiddaz:
😂😂😂😂😂😂😂 So upon all you saw you still went back? Omoor... You lucky she didn't give you a terrible disease that will affect you for the rest of your life.

My guy don mumu gan!!!

Tenrack:
Omo you fit don suck that her ex sperm o 🤣🤣🤣 Lord have mercy

Nawaooo!!!

Tenrack:
lmao. You don arrive late.

He never too late boss!!! 😂😂😂😂.

Drsnives:
@Tenrack  food don land oo
Let me share my experience while on dating phase with my ex.. in response to the tread 👇
https://www.nairaland.com/8660351/it-advisable-spy-girlfriends-phone

I will be brief n summerize
Sit back n enjoy .. forgive my typos, am not a literature student

Omo!!! Guy I need to do background check on my babe!!! Because I don suspect her tired, there was a day she mistakenly send message not for me.. 😂😂😂. Make I quickly do my background check!!! 😂😂😂. Tenrack I go follow your advice!!! Make person know waiting he won marry!!! 😂😂😂😂. She even mistakenly send message about waist bead not knowing, it was for me

See mbuemo!!!!

Fiscus105:
Money keeps woman far more than love does!

You think love can replace money? A lady that desperately in need of money, you are singing love in her ear, the melody of your love song will be like WAR songs


Love is good but Money will drive such relationship to beautiful destination.

Some of you will learn the hard way. Both work together boss but love is the most important thing. Why is that people that have nothing in those villages still find true love and live happily for years. The problem with some people is that while looking for thier standard they forget the important thing which is love and understanding. They chase the shiny stuff, that is why the rate of divorce is getting high among the rich nowadays.

One thing I know is that money can never keep a woman, Only love and respect can do.. Learn the game of love and see them falling for you. Dont chase. As for women, be peaceful , respectful and kind you will see your man going craze for you.. That is the secret!!!

lovediehatelive:
It's moving from ball to ball.


It moved to my left ball, but now it's back to the right balls.

Please anyone experienced this before

Go for medical check up as soon as possible, you cant get your answer from nairaland.. We can only assume

That is the first sign of cancer of the testicle or penis. before your balls will start getting bigger. Quickly go and do test now