Is there anything else to invest in except money market fund and high yield investment platforms
Fokona Latest Questions
Sign Up to our social questions and Answers Engine to ask questions, answer people’s questions, and connect with other people.
Login to our social questions & Answers Engine to ask questions answer people’s questions & connect with other people.
Lost your password? Please enter your email address. You will receive a link and will create a new password via email.
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.
Yes — there are many solid investments beyond Money Market Funds and High-Yield platforms. In fact, relying only on those two may limit your growth. Here are better alternatives (from low risk → higher return): 1. Treasury Bills (Very Low Risk) Issued by Nigerian government Duration: 91, 182, or 364Read more
Yes — there are many solid investments beyond Money Market Funds and High-Yield platforms. In fact, relying only on those two may limit your growth.
See lessHere are better alternatives (from low risk → higher return):
1. Treasury Bills (Very Low Risk)
Issued by Nigerian government
Duration: 91, 182, or 364 days
Fixed returns
Very safe investment optio
Best for:
Parking money short-term
Capital preservation
2. FGN Bonds (Low Risk + Regular Income)
Government-backed
Pays quarterly interest
Duration: 2–3 years
Very stable investment
Best for:
Passive income
Long-term investors
3. Dividend-Paying Stocks (Moderate Risk)
Example:
Banks
Oil companies
Consumer companies
You earn:
Dividend income
Capital appreciation
Stocks are ownership in companies and can increase in value depending on company performance.
Best for:
Long-term wealth building
4. Fixed Deposits (Low Risk)
Lock money in bank
Fixed interest
Very simple investment
Good for:
Conservative investors
Short-term goals
5. Bond Funds (Low–Moderate Risk)
Invests in government & corporate bonds
More stable than stocks
Better returns than money market sometimes
6. Real Estate (Medium Risk — Good Long-Term)
Land
Rental property
Real estate funds
Real estate is commonly used for income + appreciation.
7. Gold Investment (Inflation Protection)
Many investors use gold as:
Safe-haven asset
Inflation hedge
Especially useful when currency weakens.
8. REITs (Real Estate Without Buying Land)
Invest in property indirectly
Earn rental income
No need to manage tenants
Very underrated investment.
My Personal Ranking (Smart Portfolio)
If you want balance:
30% Money Market Fund
20% Bonds / Treasury Bills
20% Dividend Stocks
15% Real Estate / REIT
10% Dollar investments
5% High-risk opportunities
This gives:
Safety
Growth
Passive income