Please I Need Help With My 7million Naira - Investment (2)

Please I Need Help With My 7million Naira - Investment (2) - Nairaland

Nairaland Forum › Nairaland General › Investment › Please I Need Help With My 7million Naira (11732 Views)

Re: Please I Need Help With My 7million Naira by Major7: 9:34pm On May 28

Why not invest your money into poultry (layers to be precise)? If you're not an expert in the field,get a consultant to help you with it and you will thank me later.
It's part of what I do currently and I never for a day regret it. Animal care started from just a room and now,he's an household name.

Re: Please I Need Help With My 7million Naira by tanigororo: 10:47am On May 29

Roseodd:
Should I use my 7 million to buy mini bus or I should buy Treasury bill please
I need urgent advice please

T-Bills all the way

1 Like

Re: Please I Need Help With My 7million Naira by Roseodd(op): 12:19pm On May 29

tanigororo:
T-Bills all the way

The percentage can't fund my life style

Re: Please I Need Help With My 7million Naira by Roseodd(op): 12:20pm On May 29

Major7:
Why not invest your money into poultry (layers to be precise)? If you're not an expert in the field,get a consultant to help you with it and you will thank me later.
It's part of what I do currently and I never for a day regret it. Animal care started from just a room and now,he's an household name.

I don't like agriculture

Re: Please I Need Help With My 7million Naira by Major7: 2:27pm On May 29

Roseodd:
I don't like agriculture

Oh ok,I never like it before until my eyes were open to it.
I hope you realize it's one of the things AI can't take away from anyone in it. People will always eat.

Re: Please I Need Help With My 7million Naira by tanigororo: 4:51pm On May 29

Roseodd:
The percentage can't fund my life style

On top 7m

Re: Please I Need Help With My 7million Naira by Roseodd(op): 11:18pm On May 29

tanigororo:
On top 7m

Yes they said the percentage is not up to 300k
I want to do something I can make money and travel out 2028 latest

Re: Please I Need Help With My 7million Naira by tanigororo: 3:42am On May 30

Roseodd:
Yes they said the percentage is not up to 300k
I want to do something I can make money and travel out 2028 latest

18 to 20% of 7 millions is around 1.4Millions, I don't know what you are expecting.

Personally I will put 50% that is 3.5 into T-Bills, 35% into stocks, 15% into cryptos.
Note: This is not an advice

Re: Please I Need Help With My 7million Naira by Roseodd(op): 7:09am On May 30

tanigororo:
18 to 20% of 7 millions is around 1.4Millions, I don't know what you are expecting.

Personally I will put 50% that is 3.5 into T-Bills, 35% into stocks, 15% into cryptos.
Note: This is not an advice

There is something I still want to understand please
Is the 18 percent for 12 months because 1.4 million divided by 12 is 166k a month.
And another thing is if I should put that 7million naira will the 1.4 be paid to me upfront

Re: Please I Need Help With My 7million Naira by ollypass: 5:12pm On May 31

[quote author=Roseodd post=139561302]There is something I still want to understand please
Is the 18 percent for 12 months because 1.4 million divided by 12 is 166k a month.
And another thing is if I should put that 7million naira will the 1.4 be paid to me upfront [/quote

I did it over 10 years ago can't remember exactly now but I think your paid quarterly..just divide what ever your expecting annually into 4 parts..
Bro am curious how were you disciplined to build funds to 40M then started losing it to gambling ? Was gambling part of the method you used to build funds? did you just get into the gambling after you made money else where ? Then lastly why don't you invest back into what helped you raise that amount of money in the first place ?

2 Likes

Re: Please I Need Help With My 7million Naira by Oisagbai78: 7:13am On Jun 01

[quote author=ollypass post=139577617][/quote]Maybe he made the 40M through Gambling.

Re: Please I Need Help With My 7million Naira by Aceed: 12:05pm On Jun 01

Roseodd:
Gambling is the easiest way to poverty.
Alot of people are hooked on this satanic thing called gambling.
I made over 40 million last year, nothing to show off for I thank God for life I will get everything back in no time by God's grace

well, though I don't advise gambling, if you had treated it as a business venture, you would have put a stop to it after reaching a level of loss

then step back to observe just like forex

1 Like

Re: Please I Need Help With My 7million Naira by Aceed: 12:08pm On Jun 01

Roseodd:
I can I am a real hustler nobody day for me only me I have a plan after two years I will travel out I made my calculation 25k savings everyday I won't be working on Sundays

ah! 25k savings DAILY? wetin you wan dey do boss?

1 Like

Re: Please I Need Help With My 7million Naira by Roseodd(op): 1:15pm On Jun 01

[quote author=ollypass post=139577617][/quote]I had a very good paying job before we were laid off.
You don't understand gambling if you are not into it.
I have seen my boss lose 300 million in a month.
From 100 to minus zero.
Life happens real quick,all this things can go in a instant

Re: Please I Need Help With My 7million Naira by Roseodd(op): 1:16pm On Jun 01

Aceed:
ah! 25k savings DAILY? wetin you wan dey do boss?

I want to buy mini bus and start driving,I am buying it tomorrow.
The man said is 3.8 million for manual,the price has reduced.
Here you can make 40k a day if you are serious self

2 Likes

Re: Please I Need Help With My 7million Naira by Roseodd(op): 1:18pm On Jun 01

Aceed:
well, though I don't advise gambling, if you had treated it as a business venture, you would have put a stop to it after reaching a level of loss

then step back to observe just like forex

Gambling doesn't workout that way,there is no responsible gambler,at the end you will lose everything,the end of every gambler is poverty and perpetual regret and agony

5 Likes

Re: Please I Need Help With My 7million Naira by Roseodd(op): 1:18pm On Jun 01

Oisagbai78:
Maybe he made the 40M through Gambling.

I use to work in apapa worf

1 Like

Re: Please I Need Help With My 7million Naira by Roseodd(op): 1:21pm On Jun 01

[quote author=ollypass post=139577617][/quote]I became addicted,I easily get addicted to things.
Gambling is bad,I have seen a lot of my top bosses who went from billionaires,and unable to afford just common car.
I thank God I realized before it was too late

2 Likes

Re: Please I Need Help With My 7million Naira by essentialone(m): 12:15am On Jun 03

With ₦7m, you’re choosing between active business and passive investment. They give you completely different things. Here’s the straight breakdown:

Option 1: Buy a mini bus – “Danfo/Coaster” business
Pros:
- Higher potential return: A good mini bus doing Lagos/Abuja routes can net ₦80k-₦150k/month after fuel, driver pay, repairs, and agbero. That’s ₦960k-₦1.8m/year = 14%-25% return.
- Asset: You still own the bus, which holds value.

Cons/Risks:
- Headache: Drivers run away with money, accidents, police, breakdowns. It’s a full-time headache unless you have a trusted manager.
- Capital risk: One bad crash or engine knock can wipe ₦1m+ in repairs.
- Not passive: If you don’t watch it, the bus will eat your money.

Option 2: Buy Treasury Bills – “safe money”
Pros:
- Safe: Backed by CBN. You won’t lose your ₦7m.
- Passive: Zero stress. Interest hits your account every 91, 182, or 364 days.
- Current rate: As of June 2026, 1-year T-bill is around 21%-23% per year. ₦7m would give you roughly ₦1.47m-₦1.61m in 12 months.

Cons:
- Your money is locked in. If you pull out early you lose interest.
- Inflation: If inflation is 24%, your real return is almost zero. You’re preserving money, not growing it much.

So which should you pick?

Go T-bill if:
You can’t monitor a bus daily, you hate stress, you might need the ₦7m back in a year, or you already have another income. It’s peace of mind.

Go mini bus if:
You have someone 100% trustworthy to run it, you’re okay with stress for higher cash flow, and you can afford to lose ₦500k-₦1m if things go wrong. Don’t put all ₦7m in one bus – leave ₦1m for repairs/buffer.

Middle ground many people do:
Put ₦5m in T-bills for safety, use ₦2m as down payment + buffer for the bus. That way you have passive income + active income without betting everything.

10 Likes

Re: Please I Need Help With My 7million Naira by DrMuzungu(m): 10:25am On Jun 03

My friend, money means suffering!
Dash all that money to me, let me suffer for you!

Re: Please I Need Help With My 7million Naira by boomcity009(m): 10:25am On Jun 03

For real
Its ok if they wont turn scam at the wnd of the day

neutralmind:
Transport is stressful

Just do fixed deposit in renmoney or any digital bank.

You can get up to 22% per annum

That's about 120k per month guaranteed. No stress

1 Like

Re: Please I Need Help With My 7million Naira by NaijaCover(m): 10:27am On Jun 03

Roseodd:
Should I use my 7 million to buy mini bus or I should buy Treasury bill please
I need urgent advice please

Mr Blogger, Is Here, To Teach you, what to do with your 7million naira.

Because from the look of things, that 7million naira, is a small money in Nigeria, My Brother, I will advice you for free, no buy Any Mini-Bus with this particular 7 Million naira, you can only buy this car, from profit, not from your 7 Million Naira, CAPITAL.

Mr Blogger, Is An Expert, When It Comes To Managing Money In This Nigeria 🇳🇬 Economy.

1 Like

Re: Please I Need Help With My 7million Naira by boomcity009(m): 10:27am On Jun 03

How did you make all that money.. wanna learn

Roseodd:
Thank you very much boss my plan is too save for 2 years and move out of the country by then I will be 32 years, hustle for like 5 years and marry,I want to escape poverty with all my life that's why I will marry late,owu is a very baaaaaaad thing,I made a lot of money up to to 40million but I gambled everything away

Re: Please I Need Help With My 7million Naira by clockwisereport: 10:27am On Jun 03

Roseodd:
I skipped process inside the 40 million I was able to pull a structure which I sold 8 million because it was distressed sales,I spent 12 million on the structure but sold it for 8 million,I went broke so I had to sell it,but never going back to gambling again, 8 months now I didn't play anything gamble,I gave my father 1million I am Left with 7million,I will bounce back I believe
If I can save 25k every week,in a month that's 600k,in two years I will be out of shithole called country

25k every week is 100k in a month.

Do your calculations very well

2 Likes

Re: Please I Need Help With My 7million Naira by Risingblue008(m): 10:27am On Jun 03

Use d money buy or open betting shop,
U go thank me later,
Only if u are not into it ooo

1 Like

Re: Please I Need Help With My 7million Naira by inforesource: 10:29am On Jun 03

Roseodd:
Should I use my 7 million to buy mini bus or I should buy Treasury bill please
I need urgent advice please

Define your financial goal and your financial need. Those 2 options are achieving different goals.

Re: Please I Need Help With My 7million Naira by Killermamba: 10:29am On Jun 03

Roseodd:
Should I use my 7 million to buy mini bus or I should buy Treasury bill please
I need urgent advice please

Treasury or mutual funds.

Re: Please I Need Help With My 7million Naira by NaijaCover(m): 10:31am On Jun 03

Roseodd:
God bless you sir,I really appreciate your words of encouragement 🤲🤲🤲
I am ashamed to even tell someone or anybody how I lost 40 million naira last year.
I was gambling,I gambled everything away I was onto online and offline gambling

That 40 million naira, you made, is also a small money in nigeria economy now, if you no get 100 million naira and above, my brother, you are poor, try and learn how Money Work, MR BLOGGER, will not deceive you, Honestly speaking, you can ask NLFPMOD to tell you.

Re: Please I Need Help With My 7million Naira by Reloadedisraelp: 10:33am On Jun 03

Roseodd:
Should I use my 7 million to buy mini bus or I should buy Treasury bill please
I need urgent advice please

u can send 1m to me while I return 50k every months in 33months.. . angry

Re: Please I Need Help With My 7million Naira by muyico(m): 10:33am On Jun 03

A f**l and his money
Will soon depart

Re: Please I Need Help With My 7million Naira by nairalanda1(m): 10:34am On Jun 03

Livegamesonly:
thats a bad advise for a gambler. he will gamble the capital away. i will advise him to either lock the cash in treasury bills or he should go into transportation. Transportation is profitable if you are the one driving it yourself. You just have to be determined to succeed, because police and agbero will test your patience. Am also considering transportation business if the capital for the toyota hiace bus is ready. I prefer interstate transport than intr city transport. Although, this insecurity is another thing.

Last and early this year, i lost alot of my money to gambling on sportybet. Sports betting has changed alot. Its now a business for the elite, and club management. I stopped gambling this February, it was a bad expereince for me. Pre 2016, i usually win big in bet9ja, steady cashouts on weekends, until the whole thing became harder. I pity people who still gamble. I am happy i realised how bad it is very early just like you. AMm also in your age range. Lets all change for the better, gambling ruins the lives of promising men. If i had been saving for the past 3 years, would have bought a fairly used bus by this year ending. Need to start all over again. I usually lock my xcess cash immmediately on OPAY for a year. It has helped me a lot.

Sport gambling is risky for all...because at the end footballers and athletes are human beings, who cannot play 100 percent all the time.

1 Like

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