People say buying shares is better than fixing
Please briefly explain why you feel this question should be reported.
Please briefly explain why you feel this answer should be reported.
Please briefly explain why you feel this user should be reported.
If you mean Dangote Cement (DANGCEM), you should not expect a fixed monthly return from ₦100,000. Shares don't normally pay you a guaranteed amount every month. Your potential return can come from two main sources: 1. Capital appreciation — if the share price rises after you buy, your investment becRead more
If you mean Dangote Cement (DANGCEM), you should not expect a fixed monthly return from ₦100,000.
Shares don’t normally pay you a guaranteed amount every month. Your potential return can come from two main sources:
1. Capital appreciation — if the share price rises after you buy, your investment becomes more valuable. If the price falls, you can also lose money.
2. Dividends — if the company declares a dividend and you qualify as a shareholder on the relevant date.
For example, Dangote Cement declared a ₦45 dividend per share for its 2025 financial year. That’s an annual dividend, not a monthly payment.
At the current share price, ₦100,000 would buy roughly 96 shares before transaction costs. If a ₦45-per-share dividend were paid on that number of shares, the gross dividend would be about ₦4,320 for the year—not ₦4,320 every month.
So I would not look at a ₦100,000 stock investment as “How much will I make every month?”
A better question is:
“What total return could this investment generate over the period I intend to hold it, and what risks am I taking to achieve that return?”
That’s the mindset a long-term investor should develop.
See lessAs of September 7, 2026, Dangote Cement was around ₦1,034 per share. Dangote Cement With ₦100,000, you could buy roughly 96 shares (before brokerage fees). Dangote Cement's latest declared dividend was ₦45 per share for 2025, paid in July 2026. Dangote Cement So, if the same ₦45 dividend were paid iRead more
As of September 7, 2026, Dangote Cement was around ₦1,034 per share.
See lessDangote Cement
With ₦100,000, you could buy roughly 96 shares (before brokerage fees).
Dangote Cement’s latest declared dividend was ₦45 per share for 2025, paid in July 2026.
Dangote Cement
So, if the same ₦45 dividend were paid in a future year:
96 shares × ₦45 = ₦4,320 per year
That averages to about:
₦4,320 ÷ 12 = ₦360 per month
But ₦360 is only a monthly equivalent, not an actual monthly payment. The dividend is normally paid as a lump sum after the company’s dividend process, and the share price can also rise or fall.
Also, Dangote Group itself is private and doesn’t issue dividends; the listed companies such as Dangote Cement, Dangote Sugar and NASCON are the ones that can pay shareholders dividends.
Neither is automatically better. They serve different purposes. Feature Shares Fixed Deposit Potential return Higher, but uncertain Lower/moderate, usually predetermined Risk Higher Lower Income Dividends + possible price appreciation Interest Capital Can rise or fall Generally protected subject toRead more
Neither is automatically better. They serve different purposes.
See lessFeature
Shares
Fixed Deposit
Potential return
Higher, but uncertain
Lower/moderate, usually predetermined
Risk
Higher
Lower
Income
Dividends + possible price appreciation
Interest
Capital
Can rise or fall
Generally protected subject to bank/terms
Inflation protection
Can be better over the long term
May lose purchasing power if inflation exceeds interest
Time horizon
Better suited to medium/long term
Better for short/known periods
Liquidity
Usually can sell, but price may be down
May have penalties/restrictions for early withdrawal
Why people say shares are better
Suppose you have ₦10 million.
If a fixed deposit gives you 15% for a year, you might earn roughly ₦1.5 million before applicable taxes/charges and assuming the rate remains applicable.
With shares, you could potentially make more through:
Dividends – the company distributes part of its profit to shareholders.
Capital appreciation – the share price increases and you sell at a higher price.
For example, if your shares appreciate by 20% and you receive a 5% dividend yield, your total return could be around 25% before considering taxes, fees and the timing of those returns.
But there is an important catch: the shares could instead fall 20%, 30%, or more. The return is not guaranteed.
The key issue for you
From your recent questions about building a business over a few years, I would not think of this as:
“Should I put everything in shares or everything in fixed deposit?”
A better approach is to divide your money according to when you will need it and how much risk you can tolerate.
For example:
Money needed within 1 year: fixed deposit, Treasury bills, money-market funds or similar lower-risk instruments.
Money needed in 2–5+ years: a combination of quality shares and lower-risk investments can make more sense.
Long-term wealth building: diversified shares can have a stronger growth potential than fixed deposits.
And remember: a high fixed-deposit rate isn’t necessarily a high real return. If inflation is higher than your interest rate, your money may grow in naira while actually losing purchasing power.
So, shares can be better for wealth growth; fixed deposits can be better for capital stability and certainty. The best choice depends mainly on your time horizon and risk tolerance.
1 Important note Dangote shares do not pay you monthly You make money 2 ways Dividends usually paid once or twice a year Capital gains when share price goes up and you sell 2 Dividends example Dangote Cement paid about 20 naira per share last year With 100000 you can buy around 20 to 25 shares depenRead more
1 Important note
Dangote shares do not pay you monthly
You make money 2 ways
Dividends usually paid once or twice a year
Capital gains when share price goes up and you sell
2 Dividends example
Dangote Cement paid about 20 naira per share last year
With 100000 you can buy around 20 to 25 shares depending on current price
That means around 400000 to 500000 per year paid once
So monthly average would be around 33000 to 42000 but it is not paid monthly
3 Capital gains
Depends on if share price rises
If price moves from 400 to 450 you gain 50 per share
No guaranteed monthly return like fixed deposit
4 Shares vs Fixed Deposit
Fixed deposit gives small guaranteed interest monthly
Shares have higher potential but no guarantee and no monthly payout
Bottom line
See lessWith 100000 in Dangote shares expect yearly dividends not monthly
If you want monthly cash flow fixed deposit or mutual funds are better
Shares are better for long term growth
There's no fixed return. This is investment in stock so check your risk level and your 100k can become 90k in the first few months because expansion doesn't happen overnight. Now this is not mutual funds where you receive interest monthly. So there's no fixed monthly amount
There’s no fixed return.
This is investment in stock so check your risk level and your 100k can become 90k in the first few months because expansion doesn’t happen overnight. Now this is not mutual funds where you receive interest monthly.
So there’s no fixed monthly amount
See less