Find investments that fit you

What the Investment Finder does

It asks about how much you want to invest, what the money is for, when you might need it, how much fluctuation you can tolerate, whether you want naira or dollar exposure, whether you need a Shariah-compliant option, and whether you want regular income or long-term growth. It then matches your answers against the main investment classes available to Nigerian investors.

Instead of naming one "best" investment, it returns a ranked shortlist of investment types with a plain-language explanation of why each fits you, the trade-offs to weigh, and where to learn more. For fund-based options it shows example funds drawn from SEC data, and it points you to SEC-registered brokers and fund managers so you can verify anyone before sending money.

How the matching works

Your time frame does most of the work: money you might need within a year points towards stable, liquid options like savings, money market funds and treasury bills, while money you can leave for five years or more opens up equities and other growth assets. Your comfort with risk then filters out anything that swings more than you said you can handle.

Currency and Shariah preferences shape the list next: choosing dollar exposure lifts dollar funds and eurobonds to the top, and choosing Shariah-compliant keeps only interest-free, ethically screened options such as Sukuk and Shariah funds. Finally, your goal, whether you want income or growth, and your experience level fine-tune the order so beginners see the simpler options first.

Foundations first

Before taking on investment risk, it is wise to keep three to six months of expenses somewhere safe and easy to reach, such as a high-yield savings account or a money market fund. If you tell the Finder you do not yet have this buffer, it lifts those low-risk, liquid options up your list and flags why.

A cash buffer means you are far less likely to be forced to sell a long-term investment at a bad time just to cover an emergency, which is one of the most common ways new investors lose money.

A worked example

Suppose you have ₦500,000, you will not need it for five years or more, you want long-term growth, you are comfortable with normal ups and downs, and you are new to investing. The Finder would rank growth-oriented but beginner-friendly options first, such as an equity fund or a balanced fund, ahead of picking individual shares yourself, and show you SEC-registered fund managers to start with.

Change one answer, say you might need the money within a year, and the result changes completely: money market funds and treasury bills move to the top because capital stability and quick access now matter more than growth. This is why the Finder asks about your situation rather than handing everyone the same answer.

Education, not financial advice

The Investment Finder is an educational tool. It does not know your full financial picture and it does not recommend a specific product, fund or company. The investment types it surfaces are starting points for your own research.

Always verify that any operator is registered and in good standing with the SEC before investing, using the Investment Safety Checker, and consider speaking to a licensed financial adviser for decisions specific to your circumstances.

How to use the Investment Finder

1. 1
   Set your amount and goal

   Tell the Finder roughly how much you want to invest and what the money is for.
2. 2
   Choose your time frame

   Say when you might need the money, the single biggest factor in what suits you.
3. 3
   Set your risk comfort

   Pick how much fluctuation or loss you could tolerate without losing sleep.
4. 4
   Add your preferences

   Choose naira or dollar exposure, whether you need a Shariah-compliant option, and income versus growth.
5. 5
   Review your shortlist

   Read the ranked investment types that fit you, their trade-offs, and SEC-registered places to start, then verify any operator before investing.

Frequently asked questions

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