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Theophilus Ilim

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  1. Asked: May 29, 2026In: PERSONAL FINANCE

    How can I save and invest on a ₦150,000 monthly salary in Nigeria with a growing family?

    Theophilus Ilim
    Theophilus Ilim
    Added an answer on June 12, 2026 at 9:41 am

    To be honest with the number of responsibilities you are taking care off and giving the worsening economic condition of the country, Investing would not be the best option right now, people hear investments and think money multiplier, in a sense this is true but having investments is a form of passiRead more

    To be honest with the number of responsibilities you are taking care off and giving the worsening economic condition of the country, Investing would not be the best option right now, people hear investments and think money multiplier, in a sense this is true but having investments is a form of passive income generation and given the fact that you have more pressing needs right now even if you invest you will not have peace of mind knowing that you have money locked somewhere when a need arise and you might end up liquidating prematurely. so for now, handle the most prevalent problems and leave investing as something that you will do down the line when things are more stable financially, now just take care of your kids and newborn because they too are a form of investment LOL

    and when things get a little more stable then consider investing and even then do not invest aggressively consider starting even if it is a small business or something to create like multiple streams of income so you can have peace of mind so when you invest you will allow it to mature without tampering with it. AND PLS ENSURE YOU DO YOUR DUE DILIGENCE, in this kind of situation one cannot afford to be having a bad investment. Stay blessed.

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  2. Asked: March 23, 2026In: FINANCIAL LITERACY

    If you had money to invest today, where would you put it?

    Theophilus Ilim
    Theophilus Ilim
    Added an answer on June 12, 2026 at 9:22 am

    The best option would be to split the money across different investments, and you do this knowing what your goal and risk appetite is, if the goal is more of money preservation or you want a less risky investment then government or cooperate bonds would be your best option but if you look to signifiRead more

    The best option would be to split the money across different investments, and you do this knowing what your goal and risk appetite is, if the goal is more of money preservation or you want a less risky investment then government or cooperate bonds would be your best option but
    if you look to significantly grow your capital then you can invest in stocks or start a business but know that the higher the reward potential the higher the risk also, so always ensure you lower your risk by investing across both low risk and higher risk investments and make sure you do your due diligence and avoid investing because someone said so. Remember this is not a financial advice

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