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4 Ways to Invest “Small Small” in These Trying Times

Victor Odogwu
Published: April 13, 2024

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Dear Nigerians!

With the dollar going up and down like a child throwing tantrums leading to the price of everything going up with no plans to come down, I’m sure you’re thinking “If only I had more money to spend”!

Well, with the economic situation in the country, we cannot control what happens to the price of bread, but we can control the available funds for our daily bread. So, in this post, we will take a look at 4 ways to invest your “chikini moni” for a better future.


1.  Micro-Investing Solutions :

Micro-investing apps and solutions have revolutionized the investment landscape, allowing individuals to start investing with minimal amounts. Platforms like i-invest, and Doubble by Sterling offer opportunities to save and invest small amounts in various assets such as stocks, mutual funds, fixed deposit notes, etc. By automating investments and utilizing features like round-up savings, you can effortlessly grow your wealth over time.


2.  Savings and Investment Clubs:

Joining savings and investment clubs is another effective way to invest small amounts regularly. These clubs pool resources from members and invest in diverse portfolios, providing access to opportunities that may not be feasible for individual investors.

Additionally, these clubs often offer financial education and support, empowering members to make informed investment decisions.




3.  Government Savings Bonds:

Government savings bonds are low-risk investment options ideal for those looking to invest small amounts. The Federal Government of Nigeria offers savings bonds with flexible investment options, allowing individuals to start with as little as ₦5,000. These bonds provide competitive returns and are backed by the full faith and credit of the government, making them a secure investment choice for Nigerians.


4. Direct Stock Purchase Plans (DSPPs):

Direct stock purchase plans (DSPPs) allow investors to buy shares of a company directly from the company itself, bypassing traditional brokers. Some Nigerian companies offer DSPPs, enabling individuals to invest small amounts regularly in their stocks. By dollar-cost averaging and reinvesting dividends, investors can gradually build wealth while benefiting from potential capital appreciation.




Investing doesn’t always require large sums of money. By leveraging accessible options like micro-investing apps, savings clubs, government bonds, and DSPPs, you can start investing little by little today, paving the way for your financial security and growth.

Ready to start investing? Check out our amazing offers here today.

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