Investment with monthly returns has become a popular option in Nigeria for individuals seeking passive income. This type of investment offers regular payouts, making it an attractive opportunity for those who rely on a steady stream of income. Investing in assets such as ETFs, dividend-paying stocks, bonds, and launching a website are just a few examples of investments that can provide monthly returns in Nigeria. In this article, we will explore some of the best investment options available in Nigeria for individuals who are interested in generating monthly income through their investments.

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Real Estate Investment as a Source for Monthly Returns in Nigeria

Investing in real estate can provide a steady stream of monthly returns, making it a popular option for individuals seeking to create a passive income stream in Nigeria. Properties can be purchased for rental purposes, with tenants paying rent to the landlord on a monthly basis. Alternatively, properties can be renovated and sold for a profit.

Real estate investment usually requires a large initial outlay of capital, but with sound research and proper management, investors can reap significant financial rewards.

Investing in real estate also allows for the possibility of long-term capital appreciation. Over time, well-located properties can increase in value, providing an additional source of profit for investors.


Investing in Agriculture for Monthly Returns in Nigeria

Investing in agriculture is a great way to guarantee monthly returns in Nigeria. With the increasing demand for cash crops such as cassava, maize, and cocoa, investing in these crops is a wise choice.

One of the benefits of investing in agriculture is that it is a low-risk investment with a guaranteed monthly return. Investors can lease their land to farmers or cultivate the land themselves, allowing them to generate profits from the sale of their crops.

Cassava, the most commonly cultivated crop in Nigeria, has a high demand in both domestic and international markets. This makes it a profitable crop for investors. Similarly, maize and cocoa have great demand both in Nigeria and internationally, making them great choices for investment.

Investing in agriculture not only guarantees monthly returns, but it also helps to support Nigeria’s economic development by creating jobs and increasing food production.

Investing in agriculture is not only a profitable business venture but also a way to support Nigeria’s development by increasing food production and creating jobs.

Agricultural investment

Food Business as a Source of Monthly Returns in Nigeria

Starting a food business in Nigeria can be a profitable venture with significant monthly returns. The high demand for food makes it a viable option, and there are various benefits to consider when setting up a food processing or delivery venture.

One of the benefits of starting a food business in Nigeria is the low overhead cost. It requires less capital than other businesses such as retail or manufacturing, making it affordable to start. Additionally, it doesn’t require any specialization, and anyone can start a food business with little or no prior experience.

There are also different niches in the food business, making it easy to explore and find a unique selling point. Snacks, local delicacies, and international dishes are all in high demand, and it is possible to mix and match to create a unique offering.

Furthermore, the rise of technology has made it easier to start a food business in Nigeria. Food delivery platforms such as UberEATS and Jumia Food have made it easier for small businesses to have an online presence, increase their visibility, and reach a wider market. This, in turn, increases the potential for high monthly returns.

In conclusion, venturing into a food business in Nigeria can be both profitable and fulfilling, given the high demand for food and various benefits that come with it. The low overhead cost, opportunity to explore various niches, and rise of technology make it a viable option for monthly returns.

High Dividend Mutual Funds for Monthly Returns in Nigeria

If you are looking for monthly returns in Nigeria, high dividend mutual funds are a great investment option. Mutual funds are a type of investment where funds from multiple investors are pooled together and managed by a professional fund manager. These mutual funds invest in various stocks, bonds, and other securities, and provide returns based on the performance of the underlying assets. With high dividend mutual funds, you can earn monthly income through the dividends paid out by the companies in which the mutual fund has invested.

One such profitable mutual fund available in the Nigerian market is the Stanbic IBTC Aggressive Fund (SIAF). The fund provides liquidity while ensuring attractive returns to investors in the long term. Another great option is the FBN Nigeria Smart Beta Equity fund, which invests in dividend-paying stocks with a focus on long-term growth.

High Dividend Mutual Funds

Treasury Bills as a Source for Monthly Returns in Nigeria

Treasury bills are low-risk, government-backed securities that provide investors with monthly returns in Nigeria. These bills are sold through a bi-weekly auction conducted by the Central Bank of Nigeria. You can purchase a treasury bill at any of the scheduled times when they are auctioned by the Federal Government i.e., 91 days, 182 days and 364 days or through the bank at the secondary market. The benefits of investing in treasury bills include low risk, high liquidity, and the opportunity to earn monthly returns. By investing in treasury bills, investors can have peace of mind that their investment is backed by the government and they can enjoy passive income through monthly returns.

Treasury Bills Investment

Haulage Business for Monthly Returns in Nigeria

Haulage business is a very lucrative investment in a country like Nigeria, where transportation of goods from one region to another is a necessity. The transportation industry continues to grow, and with the right skills, knowledge, and equipment, investing in this field can yield significant monthly income. With the increasing demand for goods being transported around the country, there is a constant need for professional transportation services that provide prompt and efficient delivery. Haulage business owners can also generate income through the transportation of people, as well as goods. Owning a fleet of vehicles that are in good working condition is essential for a successful haulage business. A well-maintained fleet of trucks, trailers, and other transport vehicles can ensure that deadlines are met, and clients are satisfied, resulting in high-profit returns on investment.

Haulage Business

Uber/Bolt Business for Monthly Returns in Nigeria

Investing in ride-sharing services such as Uber and Bolt is a growing industry in Nigeria that has the potential for monthly returns. As a driver for these companies, you could earn a monthly income by providing transportation services to individuals in your local community. Alternatively, you could invest in a fleet of cars and hire drivers to operate vehicles, providing a passive income stream as the owner of the business. With the increasing demand for transportation services in Nigeria, this industry is one to consider when seeking monthly returns on your investment.

Uber/Bolt Business

Body Care Business for Monthly Returns in Nigeria

If you’re looking for an investment with monthly returns in Nigeria, the body care industry is a profitable option to consider. With the increasing demand for personal care services, investing in a beauty salon or spa business can generate monthly returns as people will always require services to maintain their physical appearance.

Investing in the body care industry has a lot of benefits. Firstly, the industry is constantly growing, and with the advent of social media, beauty and personal care services are now more popular than ever. Secondly, it’s possible to earn passive income as a business owner by hiring employees to run the day to day activities of the salon or spa. Finally, there are opportunities to diversify services and generate additional income streams.

Investing in a body care business has the potential to provide a stable income and growth opportunity in the long run.

If you’re interested in starting a body care business, consider researching the market and finding an untapped niche. Securing a strategic location for your salon or spa is also crucial to attract customers. Moreover, providing quality services, maintaining excellent customer service, and engaging with clients to build a loyal customer base is important to the long-term success of your business.

Furthermore, continually investing in the development of staff skills and updating the knowledge base of yourself and employees on new technologies and beauty industry trends can make your business stand out from your competitors.

Body Care Business

Digital Investments for Monthly Returns in Nigeria

Digital investments have become a popular way to generate monthly returns in Nigeria. Online platforms like stocks, cryptocurrency, and forex trading offer a range of investment opportunities. These types of investments have several benefits, including ease of use, the ability to trade from anywhere, and access to financial markets 24/7.

Digital Investments

Stock Market Investment

Investing in stocks can be an excellent way to achieve monthly returns. Online stock trading platforms have made investing more accessible than ever before, allowing investors to buy and sell stocks at their convenience. Exchange traded funds (ETFs) are a popular investment option, as they offer diversification and monthly returns. Dividend-paying stocks are another attractive choice, as investors can earn regular income from the dividends paid out by the stocks they own.

Stock Market Investment

Cryptocurrency Trading

Cryptocurrency trading has gained popularity in Nigeria due to its potential for significant profits. Digital currencies like Bitcoin, Ethereum, and Litecoin can be bought and sold on cryptocurrency exchanges. Trading cryptocurrencies involves buying low and selling high, with the aim of making a profit. However, it is important to remember that cryptocurrency trading comes with high risk due to the volatile nature of cryptocurrencies.

Cryptocurrency Trading

Forex Trading

Forex trading involves buying and selling currency pairs, with the goal of generating a profit. The forex market is the largest market in the world, with trillions of dollars exchanged every day. Online forex brokers offer trading platforms and tools that allow investors to access the market and make trades. Forex trading can be a lucrative investment option, but it also comes with risks, just like with cryptocurrency trading.

Forex Trading

Investors should do their own research, analyze market trends and risks, and consult with a financial advisor before investing in digital assets.


When it comes to investing in Nigeria with monthly returns, there are various options available. From real estate investment to digital economy investments, each option has its own advantages and risks. It’s important to carefully consider your financial goals and risk tolerance before making a decision. Whether you choose to invest in ETFs, dividend-paying stocks, bonds, or launch your own website, there is no shortage of investment opportunities. With proper research and guidance, you can make informed decisions that will benefit your financial future.


1. Best Investment Options For Monthly/Quarterly Earnings
2. Top 8 Businesses to Invest with Monthly Returns in Nigeria 2018
3. Investments with Monthly Returns in Nigeria

Investing in Nigeria can be a profitable long-term strategy. However, investors who want short-term monthly returns have several options.

Real estate investment is one of the top and most popular areas of investments that has contributed to the financial economy in Nigeria. Investing in real estate directly by purchasing a home, rental property, or other property can bring in monthly rental income that can secure a steady stream of monthly returns.

The increase in food demand in Nigeria is a good indicator for those interested in the food business. Selling any food, depending on your specialty, can guarantee high monthly returns due to the high demand for food.

Investors looking for monthly dividends can consider mutual funds in Nigeria. Stanbic IBTC Aggressive Fund and Vetiva NewGold ETF are some of the best mutual funds in Nigeria offering great returns on investment.

Investing in treasury bills is a low-risk investment option in Nigeria. Treasury bills are auctioned by the Federal Government and offer returns on investment after a short-term period of 91 days, 182 days, and 364 days.

Uber and Bolt services are leading the online transport business in Nigeria. This sector guarantees high monthly returns for investors.

Other investment options with monthly returns include bank investments, cryptocurrency and blockchain investments, agriculture and livestock investments, bond and stocks investments, and haulage services.

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