Investing in Lagos is one of the smartest financial decisions young people can make. As Nigeria’s commercial capital and one of the fastest-growing cities in Africa, Lagos offers numerous opportunities for wealth creation. With its vibrant economy, high population, and thriving financial markets, it’s the perfect place to start building your financial future. But where do you begin? Here’s how you can invest smartly and make your money work for you.
Why Should Young People Invest in Lagos?
Lagos is full of opportunities, and as a young person, starting early gives you a head start. Here are some of the reasons why young investors should consider putting their money to work:
Growing Economy: Lagos contributes significantly to Nigeria’s GDP and is home to major companies.
Affordable Investment Options: You don’t need millions to start investing in stocks, bonds, and treasury bills. With 5-10,000 naira you can begin your investment journey.
Wealth Building for the Future: Investing strongly translates into financial freedom and security in the future.
Best Investment Options for Young People in Lagos
I want to invest but I don’t know where to start.
First of all, is this you? If yes, just keep reading because you have stumbled on the right article.
If you’re wondering where to start, here are some of the best ways to invest in Lagos:
1. Invest in Stocks
Investing in stocks is a great way to grow your money over time. The Nigerian Stock Exchange (NGX) offers access to stocks from top companies. To get started, research companies that have strong financials and growth potential.
Then download ARM ONE on your Google Play Store or App Store, sign up, and follow the steps to complete your investment. Easy!
2. Treasury Bills
Treasury bills (T-bills) are short-term government securities. They are ideal for young investors who want to preserve capital while earning returns. To invest:
Download, ARM ONE, then signup or log in if you already have an account.
Choose from different tenures. A Treasury Bill tenure refers to the length of time before the bill matures and the investor receives their full investment plus interest. In Nigeria, Treasury Bills are typically issued within 3 months, 6 months, or a year.
3. FGN Savings Bonds
FGN Savings Bonds are designed for retail investors who want to earn stable returns with low risk. They offer:
Affordable entry points (starting from as low as ₦5,000).
Fixed interest payments every quarter.
A great way to build wealth gradually with guaranteed returns.
4. Mutual Funds
Mutual funds allow you to pool your money with other investors, and a professional fund manager handles the investment, and uses their expertise and experience to invest in many assets, including bonds and stocks, in the hopes of generating high returns and dividends. They are great for beginners because they spread risk across multiple assets. Popular types include:
Equity Funds – Invest mostly in stocks.
Fixed-Income Funds – Focus on bonds and treasury bills.
Money Market Funds – Offer low-risk, short-term investments.
Pro Tips for Young Investors
Start Small, Start Now: Even if you have just ₦5,000, start investing today.
Think Long-Term: Wealth takes time to build, so keep investing and building your money with patience.
Keep Learning: Follow investment blogs, attend workshops, and ask questions.
Network & Collaborate: Join young investor communities to learn and grow together.
In a nutshell, when it comes to investing, being young is an advantage because time is on your side! Start with what you have, explore different opportunities, and build towards financial freedom. Lagos is a city full of potential; why not take advantage of it?
Are you a young investor in Lagos? We are here to help. Reach out to us today at ARMSECCustomerService@arm.com.ng or call 02013305005 or 02014609000.
