₦airaland Forum

SatoshiX:
1. Invest in yourself..
2. Genuine land in a developing area.
3. Avoid stocks and crypto as much as you can.
Let me share my experience again. In 2006, I bought some land in Ikorodu for 180k per plot. The following year, First Bank launched their IPO and I bought 7000 units @ #33. By 2009,I was already regretting why I invested in shares. 💔💔
Fast forward to 2025, the plots of land are worth more than 10m each while my FBHolco shares are nothing to write home about.

Yet Presco, Transcorp and Okomu Oil have tripled in valuation.

Stocks are good. It is the strategy that matters.

peterboro:
Click that brightness☀️ icon.

Thanks, baba.

Jakarta:
Invest in yourself, land, or gold, or even agricultural cash crops like palm tree. In 2007 - 2010 my friend's dad did heavy deforestation and planted palm trees. I went to the farms last week and I was chocked beyond my marrows, very big and mighty farm that you can't walk around it on foot. Even if you used a bike you will lost your way right inside the farm. That farm will be bigger than certain villages. The palm trees have become so huge, that you will need a climbing rope to harvest them.

Sadly the farm is not being properly maintained, due to lack of management and reliable workforce, as such the yield is somehow poor. But the size of the land alone is some thing else. I counted over 650 palm tree stand on my own, I lost my way and had to shout before others could locate me.

Oil palm plantations have made many families rich overtime across states as Edo, Cross River, Enugu, Akwa Ibom etc.

Too bad the farm isn't well managed. Is it that competent farm managers are scarce? How about employing foreigners, especially those from Southeast Asia, where palm oil is a huge industry?

franchasofficia:
Investing in landed properties in Nigeria is no longer a secure investment for the future, especially in Lagos state and some part of Abuja, all thanks to our unreliable, tribalist politicians.
Gold maybe okay if you can store it safely.

The issue with land investments is how unsafe (security wise) many parts of the country are. So even if it is land for agricultural purposes or residential, insecurity leads to a decline in its value. One, development will take time to reach that area, as it is unsafe for human habitation. Two, the value depreciates or, at best, stagnates.

haggai247:
The best investment is to get out now why you can

In 2003 my wife suggested we move to Swiss with our twins.

It was easy because we both have family members there.

My mum was old and she wouldn't have any of it.

She and our children left why I was left with my mum.

I reason this woman is more than 80 years let me go and enjoy before the real tinubulation go start.

This is just testing the mic.

If you live outside Nigeria where you can use pay.pal wise and other services Nigerian cannot use see.

Life will be easy
You can easily sit at home and make money with surveys.
You can easily set up a kdp Ingram and d2d account publish books and make money
You can also blog write about things affecting 50+ and be an international speaker without knowing anybody.

But why trying to find a way to get out if you're internet sarvy do this.

Learn how to write video or speak what people are interested in.

This is important let me repeat again

Learn to produce what people what not what you think they want.

Pioneers come home full of arrows don't be a pioneer.

Take what works and make it better.

Most people saying buy land I can bet don't own any piece of land.

The problem with land is there are many scammer even posing with lawyer's.

If you buy wrong land e fit lead to your demise.

Or you get an enemy for life.

Here's my secret for buying land.

Pay attention.

I only buy land on distressed sale I.e the person or group of person what to sell it for a particular urgent need.

All parties even those against the sale must know...I've a way of finding out the parties against the sale.

If the land/property is a legacy and someone is opposing the sale...I walk away.

If its not I find the reasons for the opposition and work at resolving it if possible.

Then get all parties to an understanding

We take pictures for evidence, I collect family receipt, I pay money and secure the property.

If you buy legacy one of them fit hammer 20 years latter and take you to court to go waste money and even win you...because justice is for sell here.

Invest in yourself by finding a better country to live

A lot of wisdom.

SpencerForbes:
Let’s Forget buying land in prime areas that are already overly expensive. The real money is made when you buy low.

The best strategy is to focus on developing areas or the immediate fringes of the city. You need to identify that 'sweet spot'—land that is currently undeveloped but not so remote that it falls into deep rural zones with no infrastructure. Once the government or private developers bring in roads and basic services, that land will appreciate, giving you the massive returns you are looking for.

Sensible.

Investing depends on who you are and what you love to do with your time.
As for me I love farming. So if I have any money, I've got to invest in farming, esespecially cocoa and other cash crops s

I have been thinking about this and I have a few ideas. What are imported stuff that are in high demand and cuts across Industries that can be produced here in Nigeria to be exported to other Countries in Africa.

tommy589:
You are wrong on the ROI even if we go by dollar value.
A property purchased 10,000 dollars in 2012 at black market rate of 612 Naira is worth not less than ×4 the Naira rate now at 1,462 to a dollar.Multiply in Naira (6,120,000×4=24,480,000) Remove $10,000 the purchasing amount,you discover it is over 50% dollar returns on investment.
For decades I have done this as a side hustle.The prevalent hardship has make it more lucrative where property owners that bought in few thousands are now selling in millions.
Property investment has very good returns. But never invest if you don't have the time and on the job training to conduct assessment

I see. I agree with your analysis anyways. Unlike you, I'm not in the business, hence can't offer expert opinion. I only did my calculations based on general inflation rates.

Creditalerts:
Invest in mutual funds and thank me later if I would advice if u have 10 million invest 7. 8million on mutual fund use 2 million to buy land and keep 200k as liquid cash

can just please return to your post or comment and tutor us on this.

Morenikeji090:
This is knowledgeable motion this person brought up now instead of many people to come up with wisdom and knowledge one another you won’t see them commenting on this now if it’s about abusing tinubu now typing rubbish up and down you will see those wack people with many of their thinking…. Come out now and learn weak people….

you didn't come up with "wisdom and knowledge". You came to abuse the people that abuse tinubu.

It is strange that you think you are different from them

AfDapone:
You are relatively incorrect. If you buy land now let say for N1m and in 4yrs the price naturally changes with economic situation for instance N2m. But the value may remain the same that is what you can buy with N1m 4yrs ago you now buy with N2m.

Your are correct here but true appreciation come if that area is welcoming fast or rapid development and lands started becoming highly demanded due to some activities like stable electricity or govt infrastructure that is largely benefitting the residents of that area.

Above all, buying a safe land is far better that putting your money in the bank.

Yea, I believe the target should be areas with high urbanization/industrialization prospects. In fact, all regions, especially in Southern Nigeria have such prospects, it depends on how long one is willing to wait. Except for contingencies, saving in the bank isn't really attractive to me.

Onegai:
Henrimoto and SatoshiX

Please, apart from Lagos state, what other states would you recommend to look to for land investment?

Surely other places may be coming up

Just as Grammarnazi1 stated, Ogun state! Look for developing Areas that has proximity to Lagos areas.

There are still developing areas that fall under Ogun state but are very close to Lagos.. you will have to cross over with a boat..to come to the Lagos side, such areas are good place to buy plots of land for the future.

14 yrs ago, lusada, Atan were Very cheap places to buy land in Ogun state, sake of their closeness to Agbara industrial area and Lagos but now ...land price is high over there but alot of developments is still going on.

Look out for the outskirts of these Areas..( lusada, Atan, Ado-odo.) Land are still on the low side here.

Another area is the outskirts of ikorodu main town, those Areas that fall into Ogun state.

mocochannel:
In 2014, Many of us ignored investing because we don't know what to invest in.

Now we’re asking again:

What investment do you think we should invest in so we don't regret it 10 years from now?

Invest in Expired domain names. You can buy an expired domain name for $9 and resell above $500 after some time. Some times there a fast sale and some times you wait for some time. Check this awareness thread for free details and some of my sales reports.; https://www.nairaland.com/4519087/how-rich-selling-expired-domain

Gerrard59:
Yet Presco, Transcorp and Okomu Oil have tripled in valuation.

Stocks are good. It is the strategy that matters.

First Bank was so good that year that it got oversubscribed at 400%.

Onegai:
Henrimoto and SatoshiX

Please, apart from Lagos state, what other states would you recommend to look to for land investment?

Surely other places may be coming up

Ogun and Oyo states.
In Ogun state, bother towns close to Lagos are good option. Although it's getting saturated and expensive, but you can still get good prices after mojoda in Epe, Ibefun after Itokin, Sotubo after Ogijo.
There are still affordable lands with good ROI prospects in the outskirts of Lagos.

SatoshiX:
1. Invest in yourself..
2. Genuine land in a developing area.
3. Avoid stocks and crypto as much as you can.

Let me share my experience again. In 2006, I bought some land in Ikorodu for 180k per plot. The following year, First Bank launched their IPO and I bought 7000 units @ #33. By 2009,I was already regretting why I invested in shares. 💔💔
Fast forward to 2025, the plots of land are worth more than 10m each while my FBHolco shares are nothing to write home about.

I lost around 1.2million naira this year to forex. It made me miserable because this year would have been a highly successful one for me without that loss.

Anything concerning stock, crypto, forex , bond, betting, can never be me again.


Especially if e pass 10 $ worth.

Only thing I can use more than 10$ invest in now is physical business like agriculture, or buying land.

Any online investment I'm out of it.

Oya, everyone listen. Like everything in life, true wealth comes in cycles and ages. Conventional wisdom right now says back AI, but in 10-20 years, AI will not be innovative anymore but basic, no matter the application, same way computers and the Internet are now. So, sure, you can still make money off them, but they won't exactly be the rage 'IT' investment of the times. What will, then? Note, this is just my thoughts based on both my private observation and spiritual insight. (GOD didn't tell me o, lol) Anyway, in one phrase, look to the stars. That's where smart money will be at in the next 2-4 decades.

mocochannel:
In 2014, Many of us ignored investing because we don't know what to invest in.

Now we’re asking again:

What investment do you think we should invest in so we don't regret it 10 years from now?

The only safest, secured and guaranteed reasonable investment to make is in Real Estate Investment. Either for short time or long time. But to do that you need a guidance and mentorship. Chat me privately on +2348030897019 to learn more.

femi4:
land

10yrs ago, I bought a plot of land N800k..today its now N5 million naira

Still same thing… 800k then equivalent to 5 million now

5

Pray4meJC:
100k so called PI is valued at $20,000 at $0.2 per price. How many Nigerians get $20,000 right now? Even if they have it, crypto gambling is the best thing you can recommend for them right? PI wen dey go $0.05 😂 People should ask their God where to invest their money and they wouldn't regret doing so unless they're not flowing with their God. All these guess work? 😂

Of course your PI can jump to $3.14 tomorrow or $0.000314 and remain there for 50 years 😂

It's not for everybody but having a little stash of it can do wonders. My closest pal bought 4 btc with his 200k scholarship money many year ago...to him it was insignificant after all ppl had a stash of thousands
To an average Nigerian no harm in having at least 1k pi and forgetting about it when web3 becomes mainstream u will have something..15m to 50m naira is not bad for an average Nigerian..let those with deep pocket go for the 200k dolls to millions of dollars.
This my initial stash was worth over 10k dolls and was gotten for free..

SpencerForbes:
If you want assets that are constantly growing and rarely drop in value, the answer is simple: Land or Gold.

I call them generational wealth builders . Just look at the math: a plot bought for ₦1 million three years ago will surely not sell for less than ₦2 million or ₦3 million now. That’s the kind of appreciation you want.

Are you ready to face the problems that come with buying land and keeping it for years? I don’t think so. It’s a very risky investment now. Any piece of land kept longer than two years may lead to a loss of that land or life. speaking from experience.

yommysure:
Still same thing… 800k then equivalent to 5 million now

More than 5 millions.

Pray4meJC:
100k so called PI is valued at $20,000 at $0.2 per price. How many Nigerians get $20,000 right now? Even if they have it, crypto gambling is the best thing you can recommend for them right? PI wen dey go $0.05 😂 People should ask their God where to invest their money and they wouldn't regret doing so unless they're not flowing with their God. All these guess work? 😂

Of course your PI can jump to $3.14 tomorrow or $0.000314 and remain there for 50 years 😂

I pray to see the day PI falls to 0.000314 I am getting more..would rather use 10k dolls to buy PI at that price than buy a camry

Don't invest in women

In life

BEST INVESTMENT IS LAND
Buy Land and it will appreciate but note the followings:
1) Buy the one that gives you outright ownership
2) Never ever, buy those Installmental payment real estate lands. Many of those selling these installment real Estate Lands are dupes, you do not have immediate allocation and you may likely find it to recover any deposit paid
3) Instalment real Estate Companies makes you a slave for ever: after paying for the land, they may cone up with what they call "development/documentations cost" this will be far more than the cost of the land that was initially advertised to you. At this point whala starts.
4) God safe you if you default in paying your instalments, by the time you want to start paying again, you will zhen be told the land is now 3 times the initial amount

Conclussion, Land is good. "But never ever go by the way if the Instalment real estate adverts you see around", the odds are just against you totally. From the initial marketer that collects some commission 'behind the scene" to the hefty development/documentation" fee waiting for you.

As all Lawyers will tell you, buy only land that gives you immediate ownership/possession.This advice is practical. From someone that has gone through the process." Not fiction"

Nor be until you begin tear cloth for neck ... the earlier the better make dem check you now

joshkke:
Oya, everyone listen. Like everything in life, true wealth comes in cycles and ages. Conventional wisdom right now says back AI, but in 10-20 years, AI will not be innovative anymore but basic, no matter the application, same way computers and the Internet are now. So, sure, you can still make money off them, but they won't exactly be the rage 'IT' investment of the times. What will, then? Note, this is just my thoughts based on both my private observation and spiritual insight. (GOD didn't tell me o, lol) Anyway, in one phrase, look to the stars. That's where smart money will be at in the next 2-4 decades.

yommysure:
Still same thing… 800k then equivalent to 5 million now

its not
The purchasing power is different

Onegai:
Henrimoto and SatoshiX

Please, apart from Lagos state, what other states would you recommend to look to for land investment?

Surely other places may be coming up

..Asaba is another area. Due to it closeness onitsha main markets and due to high cost of house rents. A lot of people prefer to live and come from Asaba to onitsha.

Development is going on on that Asaba Axis..and more development is still coming, plus population Explosion.

Try to read and understand this ask someone to explain to you if need be which ever way try and understand this ::my name is Ed edd and Eddie

to minimize regret 10 years from now, “invest” first in skills, health, and a clean balance sheet, then build a globally diversified, low‑cost, tax‑aware portfolio aligned with your risk tolerance and goals. That combination is strongly supported by empirical research and by the mathematics of compounding, risk, and after‑tax returns.