So this morning I was going through a post on Facebook which was made by someone I respected on that space. He said it may seem intellectually intelligent to invest in stock shares but it’s basically ignoring you yourself and growth whilst investing and funding other people business as a beginner. He also said and I quote “it’s intellectually lazy to be funding people empire’s while your own foundation is starving” ….”stock investment is the game of people who already have surplus and capital leverage”. Here is a scenero he used: If you invest N1,000,000 in a solid stock portfolio with an average annual return of 10%: -After 1 year → N1,100,000 -After 5 years (compounded) → ~N1,610,000 -Profit → about N610,000 in 5 years Sounds good, right? Now let’s ask the uncomfortable question: What if that same N1,000,000 was injected into a well-structured personal business? Let’s say: -You fix your branding -You build proper systems -You understand your market -You invest in skill, marketing, and structure A modest business doing just N50,000 profit weekly gives: -N200,000 monthly -N2.4 million yearly -N12 million in 5 years Same N1,000,000. Different mindset. Honestly while I would like to debate this post and don’t want to do it with the limited exposure I have so I want to ask the question here. It’s open for anyone to answer. Stock investment vs personal investment? A question of timing and experience.
Pinned
I respect the energy. But I have to be honest with you — that argument, as motivating as it sounds, has a serious flaw. And I want to break it down. The business scenario in that post isn't modest. It's exceptional. N50,000 profit weekly on a N1M investment is a 200% annual return. Let that sink in.Read more
I respect the energy. But I have to be honest with you — that argument, as motivating as it sounds, has a serious flaw. And I want to break it down.
The business scenario in that post isn’t modest. It’s exceptional.
N50,000 profit weekly on a N1M investment is a 200% annual return. Let that sink in. If finding a business that returns 200% on capital annually was easy, every Nigerian with a million naira would be a multimillionaire in 3 years. The post presented a best-case business outcome and compared it to an average stock market outcome. That’s not analysis — that’s motivation dressed up as math.
Real businesses, especially in years 1 to 3, often don’t profit at all. Many run at a loss. Many fail entirely. The Central Bank of Nigeria’s own data shows that over 80% of SMEs in Nigeria don’t survive their fifth year. The post skipped the part where the business owner is burning through that N1M figuring out branding, market fit, bad hires, and slow seasons.
Now let me say what the post got right — because it did get something right.
If you have no business, no system, no skill stack, and no market understanding — putting N1M in stocks while ignoring your own development IS a mistake. Not because stocks are bad. But because you haven’t built the income engine that will give you surplus capital to invest in the first place. A tree without roots can’t hold fruit. That part of the argument is valid.
But here’s the bigger picture nobody in that conversation addressed:
The question isn’t Stock vs Business. The real question is sequence and context.
The wealthiest people in the world — locally and globally — didn’t choose one over the other. They built a business to generate cash flow, then deployed that surplus into investments that work while they sleep. Aliko Dangote didn’t just build factories. He invests. The Otedola family doesn’t just run businesses. They hold equities. The sequence is: build the engine first, then let the engine fund the machine.
Stocks are not the game of the already rich alone. Stocks are the game of people who understand that money should work in multiple places simultaneously. The mistake is putting your last N1M in stocks when you have no income base. The wisdom is putting your surplus N1M in stocks when your business is already breathin
See lessGood Point
Good Point
See lessIn as much as I agree with your your analysis, I still don't agree with not investing anything into the stock market. At least for testing, learning and understanding the process there.
In as much as I agree with your your analysis, I still don’t agree with not investing anything into the stock market. At least for testing, learning and understanding the process there.
See lessYou and the author on Facebook are saying the same thing
You and the author on Facebook are saying the same thing
See lessThis is a very good question, and the truth is not emotional, it is about understanding risk, capacity, and timing. The person you quoted is not completely wrong, but the statement is not complete. Many people don’t know that starting a business is already one of the highest risk forms of investmentRead more
This is a very good question, and the truth is not emotional, it is about understanding risk, capacity, and timing.
The person you quoted is not completely wrong, but the statement is not complete. Many people don’t know that starting a business is already one of the highest risk forms of investment.
When you put one million naira into a business, you are not guaranteed that it will work. Business depends on many things like your experience, your ability to sell, your discipline, your market, and even luck. Many businesses do not survive beyond a few years, especially when the owner is still learning.
Stock investing is different. When you buy good stocks, you are putting your money into already established businesses that have structure, management, and proven systems. You are not starting from zero, you are joining something that is already working.
Lets use Mama Ngozi as an example, imagine she has one million naira. She can decide to start a new tomato farm in a new village where she does not fully understand the market. She may make big profit, but she can also lose everything if things go wrong.
Another option is that she joins other experienced traders in a big market by contributing money into their already established tomato business. She may not make money as fast, but her risk is lower because the business is already working.
This is the difference between business and stock investing.
The example of making fifty thousand naira weekly sounds good, but it assumes everything works perfectly. In real life, many beginners struggle to even make consistent profit because business is not just about capital, it is about skill and experience.
A simple truth many people ignore is that capital without skill in business can disappear quickly, but capital invested in strong companies can grow steadily over time.
This is why wise investors do not choose one and ignore the other. If you have strong business skill and experience, starting a business can give higher returns. But if you are still learning, stock investing is a smart way to grow your money while you build your knowledge and capacity.
The best approach is balance. You can invest part of your money in stocks for steady growth and use part to build your skills or business gradually.
Wealth is not built by rushing into high returns, it is built by understanding risk, protecting your capital, and growing it wisely over time.
See lessGreat insight
Great insight
See lessGood analysis Thanks sir
Good analysis
See lessThanks sir
This is a very important debate, and the honest answer is that both sides are partly right, but the conclusion is often misunderstood. Starting a business and investing in stocks are not the same type of investment. A business requires your time, skill, discipline, and experience. Stocks require youRead more
This is a very important debate, and the honest answer is that both sides are partly right, but the conclusion is often misunderstood.
Starting a business and investing in stocks are not the same type of investment. A business requires your time, skill, discipline, and experience. Stocks require your capital, patience, and understanding of the market.
The idea that investing in stocks is “funding other people’s business” is true on the surface, but incomplete. In reality, when you buy stocks, you are not just helping others, you are buying a share of already established businesses that have systems, management, and proven operations. You are participating in value that already exists.
Now, the example given for business making 50,000 naira weekly is possible, but it assumes many things go right. In real life, business has higher uncertainty. Factors like location, competition, management mistakes, cash flow issues, and market changes can affect outcomes. Many businesses do not reach stable profits quickly.
Let me Use Mama Ngozi like my Brother Iking Ferry Do, as an example, imagine she has one million naira. If she uses it to start a new business, she must learn pricing, sourcing, customer behavior, and operations. If she already has experience, she may grow faster. But if she is still learning, she can also make losses while trying to figure things out.
On the other hand, if she invests part of that money in strong companies through the stock market, her money is working inside businesses that already have structure. She does not need to run the operations herself.
Here is the deeper truth many people miss.
Business is not automatically higher return. It is higher effort and higher risk if you lack experience. Stocks are not for lazy people either. They require understanding, research, and patience.
The real decision depends on three things. Your skill level, your risk tolerance, and your stage in life.
Here’s my Advice…
If you have strong business skills, then starting a business can give high returns. But if you are still building experience, stock investing allows you to grow your capital while learning.
The smartest approach is not either or. It is balance. You can allocate part of your money to a business if you are ready, and part into investments like stocks or funds for long term growth.
Wealth is not built by choosing one side emotionally. It is built by understanding both options, managing risk, and making decisions based on knowledge, not comparison or pressure.
So instead of asking which is better, the better question is what stage am I in, and what combination of business and investing fits my current capacity.
See lessI love this response.
I love this response.
See lessThank you, sir. This is helpful 😊
Thank you, sir. This is helpful 😊
See lessThis is really helpful
This is really helpful
See lessNice response sir. Starting a business requires high skills and experience while investing in stocks requires patience and long term goals
Nice response sir. Starting a business requires high skills and experience while investing in stocks requires patience and long term goals
See lessNice response sir. Starting a business requires high skills and experience while investing in stocks requires patience and long term goals
Nice response sir. Starting a business requires high skills and experience while investing in stocks requires patience and long term goals
See lessThe comparison is not wrong, but it is incomplete because it assumes both paths will succeed at the same rate. A business can give higher returns, but it also comes with higher risk, execution pressure, and the possibility of failure, while investing in stocks gives more stable and predictable compoRead more
The comparison is not wrong, but it is incomplete because it assumes both paths will succeed at the same rate. A business can give higher returns, but it also comes with higher risk, execution pressure, and the possibility of failure, while investing in stocks gives more stable and predictable compounding over time. With ₦1,000,000, putting money into the Nigerian Stock Exchange allows you to earn passively and grow your capital even if you are still learning or building skills.
The business example assumes consistent weekly profit, which is not guaranteed, especially for a beginner without experience, structure, or market validation. In reality, many small businesses struggle with cash flow, competition, and poor management, which can wipe out that same ₦1,000,000.
A smarter approach is not choosing one blindly but understanding your stage. If you have a proven business idea and execution ability, business can scale faster, but if you are still building discipline and knowledge, stock investing helps you preserve and grow capital steadily.
In simple terms, business builds active income if done right, while stocks build passive wealth over time, and the best investors eventually combine both instead of arguing one over the other.
#sdfompun
See lessIn my opinion, starting a business is better for building wealth because it provides faster cash flow and higher income potential. However, instead of choosing one, I believe it is wiser to combine both business and stock investing. I would allocate 70% of my capital to business and 30% to stocks. TRead more
In my opinion, starting a business is better for building wealth because it provides faster cash flow and higher income potential. However, instead of choosing one, I believe it is wiser to combine both business and stock investing.
I would allocate 70% of my capital to business and 30% to stocks. The reason is that a business generates active income and immediate cash flow, while stocks provide long-term financial security and passive wealth growth.
Business is an active source of income that requires effort and management, whereas stocks are a passive investment that grows over time.
The wealthiest individuals do not rely on only one source,they use both strategically to build and protect their wealth.
See lessIt’s not about stock market vs business—it’s about stage, structure, and capability. With ₦1,000,000: • Stock investing offers passive, stable, and compounding returns (~8–15% yearly), but growth is relatively slow unless you already have large capital. • Starting a business offers higRead more
It’s not about stock market vs business—it’s about stage, structure, and capability.
With ₦1,000,000:
• Stock investing offers passive, stable, and compounding returns (~8–15% yearly), but growth is relatively slow unless you already have large capital.
• Starting a business offers higher return potential, but requires skill, execution, and risk tolerance.
The statement that “stocks are for people with surplus capital” is partly true but incomplete.
Reality:
• If you don’t have strong skills or structure, a business can fail and wipe out your capital
• If you only invest in stocks without building income, growth will be limited
Best approach:
• Use business (or skills) to generate cash flow
• Use investments (stocks, funds) to preserve and compound wealth
Conclusion:
It’s not either/or.
Cash flow first, then compounding.
If you want to understand:
• How to structure ₦1M properly based on your level
• When to focus on business vs investing
• How to build a system that generates income and compounds over time
I’m open to deeper conversations.
I focus on practical financial structure, not opinions—for people who want to think beyond surface-level debates.
Reach out if you’re serious about building a real money system.
See less
At the same time, risk in business is real and all the 1 million could travel over night.
At the same time, risk in business is real and all the 1 million could travel over night.
See lessThe post was from a guy called KAAN (NOT TOO SURE THOUGH) and I can remember responding to the post There are many factors to consider here, first, someone building his own business, must spend the whole money, some times even more on rent, then you have to look for more money to get your goods, theRead more
The post was from a guy called KAAN (NOT TOO SURE THOUGH) and I can remember responding to the post There are many factors to consider here, first, someone building his own business, must spend the whole money, some times even more on rent, then you have to look for more money to get your goods, then you must be physically present to make sells, but in stock market, not up to 5 people in every 10 have the 1m at hand, so stock market gives you room to start with whatever you have and increase with time, you don’t need to be physically present to grow the investment, there is nothing like revenue just like in Enugu state were shop and business owners spend thousands just on tax each month, you only pay tax when you make profit from your sells of your stocks, but you must pay taxes wether there was a sell or not in ur business, business is good, but if you have cash flow, stick to stock market, unless you have enough money to start a big business where you can get many people employed and check on them from time to time
And a good knowledge of the stock market can give you consistent 50% ROI till the next five years
It’s hard to see a stock that returns only 10% per annum
See lessStarting a business with 1 million or investing 1 million in stocks, the best option depends on who you are. In this scenario I think starting business is the best option, but first you have to serve someone who's already established in the line of business you want to go into. Learn the business fiRead more
Starting a business with 1 million or investing 1 million in stocks, the best option depends on who you are.
See lessIn this scenario I think starting business is the best option, but first you have to serve someone who’s already established in the line of business you want to go into. Learn the business first and understand the system, seek knowledge, learn soft skill. More importantly you have to define your goal before starting, that will compel you to strategically think like someone who can actually manage a business to the point where it can generate 50k profit a week or even 30k for a start then you scale up later. And what do I mean by that, knowing your target customer or client (people who will be interested in your product) that’ll help you interms of choosing a location where you run the business. And you understand positioning ahead of time.
Start small, probably with 300k – 500k, once you understand the business and its system very well, you can invest the remaining money into the business. When you have successful built a well structured business, you can consider investing maybe in the stock market but first you should have a solid cash flow that you can invest at ease. To be host investing in the stock market as a beginner investor is really good but first, have a solid cash flow that you you can invest with ease, secondly invest in knowledge before entering the market or perhaps get a mentor.
If I am the one in this position, I’m starting a business with the 1 million.
Let's start with stock. Stock Market Investing: Pros: You can grow your money passively over time, especially if you invest in stable companies or index funds. Cons: The growth is often slower, and the market can be unpredictable; you can lose money if you don’t know what you’re doing. Example: If MRead more
Let’s start with stock.
Stock Market Investing:
Pros: You can grow your money passively over time, especially if you invest in stable companies or index funds.
Cons: The growth is often slower, and the market can be unpredictable; you can lose money if you don’t know what you’re doing.
Example: If Mama Ngozi invests her 1 million Naira in solid stocks or ETFs, she might earn 10–15% yearly, slowly building wealth over time.
Starting a Business:
Pros: Higher potential returns; you control the business and can scale it if successful.
Cons: Higher risk; the business might fail, and it requires hard work, time, and skill.
Example: Mama Ngozi starts a small catering business with 1 million Naira. She works hard, serves quality meals, and within a year, she grStock Market Investing:
Pros: You can grow your money passively over time, especially if you invest in stable companies or index funds.
Cons: The growth is often slower, and the market can be unpredictable; you can lose money if you don’t know what you’re doing.
Example: If Mama Ngozi invests her 1 million Naira in solid stocks or ETFs, she might earn 10–15% yearly, slowly building wealth over time
Starting a Business:
Pros: Higher potential returns; you control the business and can scale it if successful.
Cons: Higher risk; the business might fail, and it requires hard work, time, and skill
Example: Mama Ngozi starts a small catering business with 1 million Naira. She works hard, serves quality meals, and within a year, she grow her business and earn 150000 a months.
She can use to budget her money to invest and leverage her business.
Thanks.
See lessBest idea: Many wealthy people do both—run a business and also invest part of their profits in the stock market. If you have ₦1,000,000, you can either invest in the stock market or start a small business. Both can help you build wealth, but they work in different ways. 1. Stock Market Investing YouRead more
Best idea: Many wealthy people do both—run a business and also invest part of their profits in the stock market.
If you have ₦1,000,000, you can either invest in the stock market or start a small business. Both can help you build wealth, but they work in different ways.
1. Stock Market Investing
You use your money to buy shares of companies.
If the companies grow, the value of your shares increases.
Some companies also pay dividends (extra cash).
Your money can grow slowly over time through compounding.
Pros
Less daily work after you invest
Your money can grow for many years
You can start with smaller amounts
Cons
Prices go up and down
It may take time to see big profits
2. Starting a Business
You use the ₦1,000,000 to sell products or services.
If the business does well, you can make profit regularly.
Examples:
Small food business
POS/agent banking
Mini importation
Phone accessories shop etc
Pros
You can make money faster
You have full control
Cons
Requires hard work and time
Risk of losing money if the business fails because it is tied to the peoson running it.
Conclusion
Stock market: slower but more passive way to grow money.
Business: faster potential profit but requires more work and risk.
See lessThat’s a great question, and honestly, the answer depends entirely on what kind of person you are, because both paths can build wealth, but they do it in very different ways. With stock market investing, you’re essentially becoming a silent owner in already-established companies. For 1 million NaiRead more
That’s a great question, and honestly, the answer depends entirely on what kind of person you are, because both paths can build wealth, but they do it in very different ways.
With stock market investing, you’re essentially becoming a silent owner in already-established companies. For 1 million Naira, you could buy shares in solid Nigerian companies or spread it across a few exchange-traded funds (ETFs). The beauty here is that your money is working while you sleep. You don’t have to rent a shop, manage employees, or deal with customers. Over time, if you’re patient and reinvest dividends, compounding does the heavy lifting. The risk is moderate, prices go up and down, but your capital stays liquid; you can sell and access your money in days if you need it.
With starting a business, you’re betting on yourself. One million Naira is a reasonable starting point for something like a small retail outfit, a catering service, a logistics side hustle, or even an agricultural venture. The upside is that if you have the right idea and the hustle to execute, your returns can far outpace the stock market in the same time frame. The downside is that it becomes your second job, or your first. Businesses come with overhead, stress, and the very real possibility of losing part or all of your capital if things don’t go as planned.
So which is better for building wealth? If you already have a stable income and just want your 1 million Naira to grow quietly without taking up your time, the stock market is the cleaner, safer bet. But if you have a specific skill, the energy to build something yourself, and a tolerance for uncertainty, a business gives you more control and a potentially higher ceiling. The smartest move? You don’t have to pick just one; you could put half into the market to let it grow steadily and use the other half to test a business idea without putting all your eggs in one basket.
See lessPersonally I will put that money into the money market because I don’t yet have the skills for a personal business. Don’t want to waste it.
Personally I will put that money into the money market because I don’t yet have the skills for a personal business. Don’t want to waste it.
See lessBoth are all good,but depends on choices,I will go for stock market
- Both are all good,but depends on choices,I will go for stock market
See lessInvesting in stock is not the first for beginners, a good and stable source of income is the first thing. It may be a small business or services also it is very important to acquire skills too. After this one grows gradually and start investing part of the profit into stock market. This not about maRead more
Investing in stock is not the first for beginners, a good and stable source of income is the first thing. It may be a small business or services also it is very important to acquire skills too. After this one grows gradually and start investing part of the profit into stock market. This not about making profit but about financially secure because if one invest the one million in the beginning, unforeseen circumstances may make one sell it at the time the market is at its bearish. Which may lead to loss.
See lessInvesting in stock is not the first for beginners, a good and stable source of income is the first thing. It may be a small business or services also it is very important to acquire skills too. After this one grows gradually and start investing part of the profit into stock market. This not about maRead more
Investing in stock is not the first for beginners, a good and stable source of income is the first thing. It may be a small business or services also it is very important to acquire skills too. After this one grows gradually and start investing part of the profit into stock market. This not about making profit but about financially secure because if one invest the one million in the beginning, unforeseen circumstances may make one sell it at the time the market is at its bearish. Which may lead to loss.
See lessI honestly think starting a business is the best way to Go As long feet said , learn a skill before investment in this case get a money source before you jump into it
- I honestly think starting a business is the best way to Go
- As long feet said , learn a skill before investment in this case get a money source before you jump into it
See lessImagine Emeka has N1,000,000. He has two choices: invest in the stock market or start his own business. If Emeka buys stocks with a 10 percent average annual return, after five years his N1,000,000 becomes roughly N1,610,000. Not bad right? But here is the catch he is basically funding other people’Read more
Imagine Emeka has N1,000,000. He has two choices: invest in the stock market or start his own business. If Emeka buys stocks with a 10 percent average annual return, after five years his N1,000,000 becomes roughly N1,610,000. Not bad right? But here is the catch he is basically funding other people’s businesses. He is helping someone else’s empire grow while his own foundation is still small.
Now imagine Emeka decides to start a small business instead. He focuses on branding, builds proper systems, understands his market, and invests in marketing. If he earns N50,000 profit weekly, that is N2.4 million per year and roughly N12 million in five years. Same starting capital, different mindset.
The lesson is clear: stock investing is great for those with surplus capital, but if you want to actively build wealth and control your growth, putting money into a personal business like Emeka is far more powerful. It is not just about money it is about experience, leverage, and creating something that is yours.
See lessIt's all about taking those wise decisions which a wise investor take against occurrence of future losses. Investing in good stocks is advisable for a beginner who has little or no experience at all, professionals are there to manage situations for him. Whereas starting a business without require skRead more
It’s all about taking those wise decisions which a wise investor take against occurrence of future losses.
Investing in good stocks is advisable for a beginner who has little or no experience at all, professionals are there to manage situations for him.
Whereas starting a business without require skills, experience and marketing structure will ruins all you have labour.
See lessBest idea: Many wealthy people do both—run a business and also invest part of their profits in the stock market. If you have ₦1,000,000, you can either invest in the stock market or start a small business. Both can help you build wealth, but they work in different ways. 1Read more
Best idea: Many wealthy people do both—run a business and also invest part of their profits in the stock market.
If you have ₦1,000,000, you can either invest in the stock market or start a small business. Both can help you build wealth, but they work in different ways.
1. Stock Market Investing
You use your money to buy shares of companies.
If the companies grow, the value of your shares increases.
Some companies also pay dividends (extra cash).
Your money can grow slowly over time through compounding.
Pros
Less daily work after you invest
Your money can grow for many years
You can start with smaller amounts
Cons
Prices go up and down
It may take time to see big profits
2. Starting a Business
You use the ₦1,000,000 to sell products or services.
If the business does well, you can make profit regularly.
Examples:
Small food business
POS/agent banking
Mini importation
Phone accessories shop etc
Pros
You can make money faster
You have full control
Cons
Requires hard work and time
Risk of losing money if the business fails because it is tied to the peoson running it.
Conclusion
Stock market: slower but more passive way to grow money.
Business: faster potential profit but requires more work and risk.
See lessIn investment there is what is called diversification, it means investing in different investments so that once one fall the other one will hold body so its not financially wise to put all money in one investment weather its business,stocks or MMMF
In investment there is what is called diversification, it means investing in different investments so that once one fall the other one will hold body so its not financially wise to put all money in one investment weather its business,stocks or MMMF
See lessThe post sounds deep, but it is built on a false comparison. It assumes: Stocks give only 10% (which is conservative, especially in markets like NGX) A business will surely make ₦50k weekly (which is not guaranteed at all) In reality, business returns are higher but far riskier, while stocks are moRead more
The post sounds deep, but it is built on a false comparison.
It assumes:
Stocks give only 10% (which is conservative, especially in markets like NGX)
A business will surely make ₦50k weekly (which is not guaranteed at all)
In reality, business returns are higher but far riskier, while stocks are more stable but slower.
Here is the balanced truth:
Personal investment (business/skills) is best when you’re still building income, experience, and capacity.
It can change your financial level faster.
Stock investment is best for preserving and compounding wealth once you have steady surplus and want less daily involvement.
So it is not “lazy vs smart” rather it is about stage and structure.
In summary:
Stocks and personal business are not opposites, rather they serve different stages of growth.
Early on, investing in skills or a business can accelerate income, but it comes with higher risk and uncertainty.
Stocks, on the other hand, are a tool for long term wealth preservation and compounding.
The real advantage comes from knowing when to use each, not dismissing one entirely.
See lessThis post was made by KAA 2 days ago and for me ,it is not a balanced thought ,though he has a point . If any one must go into business ,firstly ,the person must be prepared. Prepared in mind ,body, soul ,mentally too because business is not for the faint hearted . One major decision,everything isRead more
This post was made by KAA 2 days ago and for me ,it is not a balanced thought ,though he has a point .
If any one must go into business ,firstly ,the person must be prepared.
Prepared in mind ,body, soul ,mentally too because business is not for the faint hearted . One major decision,everything is gone .
I wasn’t prepared about 21 years ago , I found myself learning and learning fast , so I resigned and started my own company , in 3 years , I should the entire capital market as Proven and became a billionaire . The melt down of 2008 and the major banks shaking made me lost over half a billion naira to the same market .
I would rather advised that anyone who would go into the market as a beginner should do so with little funds .
For you to start a business and you have a million Naira ,my counsel for you is fixed the money in an interest yielding investment and not stock and go learn a skill or for develop yourself too well for the business you want to start .
Learn all that you need to learn ,if possible be an apprentice to or for your mentor who is also in that business,having proven you are ready ,your interest would have compounded and your capital intact,then you can begin your business .
One major thing I would like to say here is . Don’t ever invest in stock as you start your business until you know the nitty gritty. However ,plan your profit just like I have learnt from from Robert Kiyosaki and Bishop Oyedepo .
Fragment your profit ;
1. Plough back – 30%
2. New business or Project ( diversification) – 30%
3. Pay yourself – 10%
4. Savings – 20%
4. Investment – 10%
When I say your profit ,I mean after you have charged your P and L with these figures as expenses and taken them out of your account from your gross profit ;
1. Unexpended Amount -20%
2. Dividend -20%
3. Tax – 25%
See lessTo me, I believe personal investment pays more than stock investment. For instance, I started stock investment last year August and i was able to save up to 600k up to this time in which my profit is around 200k. If I invested that same amount into my personal investment (which is garri production)Read more
To me, I believe personal investment pays more than stock investment.
For instance, I started stock investment last year August and i was able to save up to 600k up to this time in which my profit is around 200k.
If I invested that same amount into my personal investment (which is garri production) I would have raked a profit of 100k weekly and 400k monthly.
This is not a guess work, it’s my real life experience.
See lessI'll choose to invest the capital into a personal business that will yield 50k weekly and when it's well established, I can decide to invest in shares without my personal business suffering any lag.
I’ll choose to invest the capital into a personal business that will yield 50k weekly and when it’s well established, I can decide to invest in shares without my personal business suffering any lag.
See lessI for a person will go for personal investment. There are so many reasons for my choice. 1. As my personal investment, I'll be more focused and take care of the running of the business 2. Dividend from a stock depends on whether the company made profit for the trading year or not. Even if profit isRead more
I for a person will go for personal investment. There are so many reasons for my choice.
1. As my personal investment, I’ll be more focused and take care of the running of the business
2. Dividend from a stock depends on whether the company made profit for the trading year or not. Even if profit is made, the majority of the shareholders May decide not to issue dividends for the year.
3. Business growth sometimes depends on the rate of turn over. With the illustration given above, we can see the that the growth from the stock is far lower than that of the personal investment and that is the reality.
4. It is normally said that our own is our own while my on is my own. Personal investment is always well nutured and taken care of by the owner unlike a business run by hired managers.
See lessHere’s the honest truth, It’s not “stocks vs business.” It’s about who you are, your skills, and your timing. The Facebook post isn’t completely wrong but it’s one-sided. With ₦1m in stocks Growth is slower but more predictable. 1: You don’t need business experience. 2: Lower stress and lower risk oRead more
Here’s the honest truth,
It’s not “stocks vs business.” It’s about who you are, your skills, and your timing.
The Facebook post isn’t completely wrong but it’s one-sided.
With ₦1m in stocks
Growth is slower but more predictable.
1: You don’t need business experience.
2: Lower stress and lower risk of losing everything.
3: Good for people building wealth gradually.
With ₦1m in a business
1: Returns can be higher but not guaranteed.
2: Requires skill, consistency, and market understanding.
3: Many businesses don’t reach steady profit quickly.
4: Higher reward, but also higher failure risk.
The example comparing ₦12m business profit vs stock returns assumes the business works perfectly real life is rarely that smooth.
The real truth is,
Stock investing isn’t lazy, and business isn’t automatically smarter.
Business builds active income (you work for it). Stocks build passive wealth (money works for you).
Most financially stable people eventually do both,
build income through business or career
invest profits into stocks for long-term wealth.
This is the simple rule,
If you have skills and a tested business idea → business first.
If you want steady long-term growth while learning → start investing.
It’s less about intelligence and more about stage of life and risk tolerance.
See lessThis is one of the scenarios that the statement " Sometimes we use our tongues to count our teeth" comes into play. My brother, to this your question, It depends on your financial ability and the type of business you want to start and what your head knowledge of the kind of return your expecting.
This is one of the scenarios that the statement ” Sometimes we use our tongues to count our teeth” comes into play. My brother, to this your question, It depends on your financial ability and the type of business you want to start and what your head knowledge of the kind of return your expecting.
See lessWith the write up you added to your question up there, the man is actually correct... It's intellectually lazy to be funding someone else's business while you let yours to go wait. But then it to a very far extent depends on you. What is your projection as to what or who you want to see yourself becRead more
With the write up you added to your question up there, the man is actually correct… It’s intellectually lazy to be funding someone else’s business while you let yours to go wait. But then it to a very far extent depends on you. What is your projection as to what or who you want to see yourself become within 2-3 years when kept side by side the business you want to venture…, what is your iremarked outcome or gains. Then you can tell yourself if maybe you should wait a little while you invest your money in another’s business so as to grow capital towards your expected finacial strength towards your own thing or to immediately venture imto yours and grow your bussiness irrespective of rje “huge” returns investing affores you.
See lessStarting a business sounds better then backup with stock
Starting a business sounds better then backup with stock
See lessIn my opinion, both are good. But it now boils down to the level of control and structure in ownership.
In my opinion, both are good. But it now boils down to the level of control and structure in ownership.
See lessHhhhhh sorry sir like me which I have no even 500.000 in my account and I want start investing in this space how I can start?
Hhhhhh sorry sir like me which I have no even 500.000 in my account and I want start investing in this space how I can start?
See lessStarting a business
Starting a business
See lessI think this isn’t really “stock vs business” — it’s more about capacity, timing, and personality. A well-run business can definitely generate higher returns, but it also comes with higher risk, effort, and skill requirements. Not everyone with ₦1M has the structure, discipline, or experience to turRead more
I think this isn’t really “stock vs business” — it’s more about capacity, timing, and personality.
A well-run business can definitely generate higher returns, but it also comes with higher risk, effort, and skill requirements. Not everyone with ₦1M has the structure, discipline, or experience to turn it into a profitable business immediately.
On the other hand, stock investing may look slower, but it offers compounding, lower stress, and diversification, especially for people still building income or learning financial discipline.
Also, the comparison assumes a guaranteed business profit (₦50k weekly), which in reality is not always consistent. Many businesses take time before becoming stable or profitable.
I believe the better approach is not choosing one over the other, but understanding when each makes sense:
• Business → when you have skill, structure, and active involvement
• Stocks → when you want long-term growth and passive exposure
In the long run, combining both may actually be the smartest strategy.
See lessGo to court
Go to court
See lessPersonal investing should be the first thing any individual shoul think first before thinking of stock investment. The reason is that stocks investment require a good money so that you earn better, imagine buying stock selling at 200 naira per share and you have juts 5k to biu, how many units are yoRead more
Personal investing should be the first thing any individual shoul think first before thinking of stock investment. The reason is that stocks investment require a good money so that you earn better, imagine buying stock selling at 200 naira per share and you have juts 5k to biu, how many units are you going to buy with 50k so that when dividend is paid you can gain a good money from it. So investing in business is the first step then as you growing and expending in your business then you can consider investing in stocks. Stock is long term investment and it required patience.
See lessThe post presents a false dilemma. Investing in a business and investing in the stock market serve two different functions. Building your own business is about wealth creation, it’s high risk, high reward and requires your full operational focus. Investing in stocks is about wealth management it’s lRead more
The post presents a false dilemma. Investing in a business and investing in the stock market serve two different functions. Building your own business is about wealth creation, it’s high risk, high reward and requires your full operational focus. Investing in stocks is about wealth management it’s lower risk and designed to preserve and grow capital without the daily operational headache. The real intellectual move isn’t picking one, but knowing which one fits your current capacity and risk appetite
See less/* Your code... */I don't have any ideas on investing in stock but here's my own advice, Investing in your personal brand is the real growth and one of the ways to be successful. The money you will use to invest in stock as a beginner,if you put it in your personal brand, you will be happy at yourseRead more
The post makes a strong point, but the comparison isn’t balanced. It assumes stocks will give a steady 10%, but also assumes a business will guarantee ₦50k weekly profit—which is not realistic. That level of consistency in business is actually a best-case scenario, not a modest one. TrRead more
The post makes a strong point, but the comparison isn’t balanced.
It assumes stocks will give a steady 10%, but also assumes a business will guarantee ₦50k weekly profit—which is not realistic. That level of consistency in business is actually a best-case scenario, not a modest one.
Truth is, business can build wealth faster, but it also has a higher risk of failure and can wipe out your capital. Stocks, on the other hand, grow slower but are more stable and predictable over time.
So it’s not really “stocks vs business,” it’s about your skill level, experience, and risk tolerance.
For most people with ₦1M, a smarter approach is to combine both—test a small business with part of the money and keep the rest invested for stability.
See lessIf I had ₦1,000,000, I would choose to start a business—but only with a clear plan and execution strategy. While the stock market offers steady returns, it grows slowly with small capital. A well-structured business, though riskier, has the potential to multiply wealth significantly Ultimately the sRead more
If I had ₦1,000,000, I would choose to start a business—but only with a clear plan and execution strategy. While the stock market offers steady returns, it grows slowly with small capital. A well-structured business, though riskier, has the potential to multiply wealth significantly Ultimately the smarter choice depends on one’s readiness because without the right knowledge and systems even a good business idea can fail
See lessThank you very much Sir
Thank you very much Sir
See less