Here is How 10k can Become Over N50,000,000

Added: 2026-05-09

[00:00:00]If I tell you that 10 million consistently can get you more than 50 million naira, you probably think I don't know what I'm talking about.

[00:00:06]Anyway, that's what this video is about.

[00:00:09]Why you are still waiting to have plenty money or to blow before you can start your wealth journey? People are already becoming millennials, building wealth with small money with as little as 10,000. Imagine if you have even way more. Anyway, that's what we'll be discussing in this video. Each time I make a content about investing, about making your money work for you, there's always comments of people asking me to do small money. I do 10k, do this amount, money, chaot. In this video, I'll be showing you possibilities that money as little as 10,000 NRA can do for you. And then the phase two of it, we are going to look at how can I now send this 10,000 to work, how can I start my investing journey, where should I invest, how do I do the investment, basically walking you through it. Are you in? Let's dive in. But first, if you're meeting for the first time, a financial jifer, an investment bank, a chart account, a chart stock broker, a licensed in the Nigerian stock market, but most importantly, your money cheerleader. In this our finance committee, we are all about the money.

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[00:01:17]Now the first breakdown I did is for us to look at what are you going to get when you start investing 10,000 every single month consistently. One thing people don't take note of is the power of compounding. You are seeing just the 10K you have. You are not seeing the magic that compounding is going to do for you in the long run. Now I did a breakdown which you're going to look at now. I'm going to tell you the part that will blow your mind. Not even the money you're going to make. But don't worry, let me not talk too much. Okay, so I have done this. We're going to look at the number of years. Let's say you decide that you want to start building your retirement portfolio or you want to start building something for your children and you can what you can afford is 10,000 on the monthly basis. So this is the number of years that you have to make this happen. Now this is the capital you must have invested by that period of time. Now this is the interest you would make and the value at the end of that period. Okay? So we starting with 5 years. If you invest 10K consistently for five years, at the end of five years, you have invested 600,000 naira and you have made a profit of 274.

[00:02:24]Oh, before we continue, I'm actually working with the assumption of interest rate of 15%. The thing with interest rate is it can fluctuate. Okay, it can go up, it can come down, but currently you can get as high as 20% from different investment or even more. But we are working with 15%, you can also decide to work with 10%, 12% as the case may be. But just humor me on this at 15%. Okay. So the value at the end of 5 years is your 88 884,000 naira. Now what if you can even take it longer to 10 years 10k invested for 10 years. At the end you've made one you've invested 1.2 million, right? But this is where it's becoming interesting. You've invested only 1.2 2 million and they're going to get 2.6.

[00:03:13]Then where is the other ones coming from? This is interest you've made from this investment. I want your eyes to be on in fact how do I say to be on these two side right? I have invested only 1.2 but I have made additional money of 1.4 your money working for you. Now taking it further to 15 years. Let's say at the end of 15 years you've invested 1.8 people OF GOD. 1.8 8 is giving you 4.3 from 1.8 you are getting 6.1 I don't just want you to look at the amount is the possibility how did I go from okay let's say 20 years how did I go from 2.4 million to 13.3 million that's the power of compounding so you've made extra 10.8 8 million as free money compounded interest right so don't look at the amount focus on the possibility that from doing investing only 3h Jesus from investing only 3.6 million you are ending up with 56.4 4 million naira.

[00:04:20]Anybody that said investing is not good, that person is deceiving you. Okay? So you only 10k from 10k started with 10,000 naira and at the end of the day we are at 56.4 million. And let me be honest with you, shi you know that you can't be doing 10k for the rest of your life. No is for this phase in life.

[00:04:38]Maybe you are still a student. Maybe you an early professional. You are still up and coming. Over time you are going to be able to afford way more money that this 10k will become a chicken change.

[00:04:48]Maybe after 5 years now I at this point you're doing 100k. Maybe at this point you're not doing 1 million every month.

[00:04:53]Now imagine what you are going to end UP WITH. BUT I just want to show you this assumption the possibility that with only 10,000 naira you can start your investing journey and get to where you are heading to. And then if you're not talking it over time only God knows what is going to end with. Now you've seen what is possible with investing small money. The next question now is where do I invest this money? Now that is where we are getting into. There are different investment opportunities you can get into and that's what I'm going to show you now. I will guide you how you can do each one, how much you need, what platform you can do it. But before we get there, please if you have not liked this video, I beg you could you please hit that like button? It means so much to me. Thank you so much. Okay, we're going to be starting with mutual funds.

[00:05:36]You see all of these investments are things we have discussed in this community before where we dive them into deeper. Sometimes I even have to share my screen to show you how all of those work. So please each one we mentioned few I'm going to link some of them in the description so that you can watch them in details. So starting with mutual fund like the name implies it's like we have a mutual agreement right all of us in this finance community now we come together oh Jennifer has 10k you you have 100k somebody has 50k we bring the money together and then we push it to fund managers investment bankers for them to go ahead and do what they do best which is invest that money to make returns for us I am an investment banker and I have funds I manage and I see the magic not say magic and I see how much money it has been making people. Now, am I doing this for free? No. As a fund manager, most times they keep a percentage, maybe 1% or 1.5%, right? So, when that fund makes returns, they keep their own share and the other and the address goes to the investor that brought in money. Okay? So, with mutual fund, there are different types. Let's start with the um the one that let's say the popular one, money market. This one is perfect for beginners, money market fund. Now it only invests in low-risk instrument money market instrument like treasury bills like commercial paper like fees deposits right I have managed a money market fund before and the only thing we have to invest in is these things like this lowrisk instrument what that means is now that is your capital is secured if you put your 10k into money market capital is secured the minimum amount for this is most of and generally is 5,000 naira the minimum amount right and then some of them pay coupon that is the interest payment every quarter they pay you and then what platforms can you do this money market mutual fund generally what platforms there are so many platforms there is cowry wise there is cowry wise uh there's plutus new formally optimos um in fact most investment platforms most investment houses they have their own mutual fund just as some of these like wise has so many mutual funds inside this Bluetooth it has a one for af invest and so many other investment houses. If you have any investment app owned by an asset management firm, there is a likelihood that there is mutual fund in it. So let's go back to the T.

[00:07:58]You're talking about money market mutual fund. If you're a beginner, I would recommend you start with this one, right? And the beauty of it is that you can withdraw anytime you want with mutual fund. The second type of mutual fund is equity. There is equity mutual fund. You're just going to look at the popular one. With equity mutual fund now is investing mostly in stock market.

[00:08:16]With money market you're looking at um treasury bills, commercial paper but with equity fund you investing in the stocks right now. What it means is that you stand a chance of making way more money than somebody in money market mutual fund. For example, at the end of Q1 some equity fund return as high as 100%. Yes, some did 50% plus right but money market I think the highest I saw was about 30%. In fact, most of them did an average of 15%. Which is understandable because stock market has been doing so well this year. And stock has the chance there's a possibility that your money could drop because you know stock is a it's a higher risk investing prices go up and down. There's a possibility that you can put 10K in equity fund and you come tomorrow I seen how much 9,000 naira probably because the stocks that equity fund is invested maybe the stock drop. Hence your money is going to drop. But if it is a money market, it will not drop. So you've seen now the higher the risk, the more returns you are going to make. That is why you could make this high. And if you're in money market, you can make something like this. Okay. There they are the ones like hala. Hala funds.

[00:09:27]These are fin Sharia compliance funds.

[00:09:30]We say mostly for Muslims, but even non-Muslims can invest in this. So this mutual fund invest maybe in businesses that are Sharia compliant and all that.

[00:09:39]The returns I think some of them have done up as high as 10% or more this year. Right. So that is how our Muslim family say they want only Sharia compliance. This is this one is for you.

[00:09:49]Okay. There's also dollar fund. Yeah.

[00:09:52]There is also dollar mutual fund. So with this one you are investing in euro bond. You are investing in dollar instrument for example. Now euro bond is a type of investment. The minimum typically is $200,000.

[00:10:06]Yes. I know you have it but me I don't have it too. So so for someone like me I don't have $200. If I want to still take advantage of that euro bond I'm going to come to dollar mutual fund. Remember what the concept of mutual fund is that all of us will gather together bring money together and now maybe you don't have $200,000 but maybe you have $1,000 maybe oh my $10,000 could give me like maybe $5 or something. All of us will merge it together right and then the asset managers will go ahead and invest in this fund. Most times maybe the average rate maybe 5% 6% even 4% you know dollar doesn't really return that high but then your capital or your money is preserved in dollars. So these are some of the popular mutual funds and like I say 10,000 naira you can invest in this on any of these platform. Let's talk about the second investment that your 10,000 naira can do for you. This is actually my favorite one. You already know investing in stocks. We've talked briefly about stock when we are discussing equity mutual fund with stock we are buying an ownership. Our previous video one video we talked about MTN the people that bought MTN shares in the primary offer that was selling at 169.

[00:11:18]The time I did that video it was now selling at 825.

[00:11:22]That's it. How much money have you made for your 10,000?

[00:11:26]10,000 is probably maybe something,000 naira or thereabout. Okay. And then when you invest in stock, you're buying a stake in that company. You become a part owner in that company. That's how it works. And then beyond the price appreciation, there's opportunity to be paid dividend. For example, now recently some banks, GCO, Zenet, even MTN, they declare dividend. If you're an investor in those companies, you are getting paid that is in addition to the price appreciation. I think I bought my Zenet bank about 20 naira average. right now Zet is 10 and something and so many other companies like that. So in the Nigerian stock market so many companies trade for less than 100. Assets bank is like 20 something naira. Fidelity bank is between 19 and 20 naira. Dangote sugar. So many companies trade below 100 naira. So with your 10,000 you're going you are going to buy so much from it and imagine doing this on a monthly basis.

[00:12:18]Maybe you identify five companies that every month I'll put my 10k here. The next month I'll put the 10k here and that is it. And you leave it alone. So far you're not dipping hard into it.

[00:12:28]It's going to be compounding for you.

[00:12:29]Okay. So, how much do I need to invest in stock? 1,000. That is it. 1,000 naira. You can invest in some of these company. Unless the company is selling at more than 1K and most Nigerian companies are selling less than 1,000.

[00:12:42]What platforms do I need for Nigerian stock? Um, we are looking at the likes of Afro investor 2.0.

[00:12:49]H. There is this. Um, there is Bamboo.

[00:12:52]Yeah. Um, there is truth. There is Mary Trade from Mary Stem. There is merit trade. There are so many of them in plenty. The only thing is that which one are you comfortable with? Download any of them and just start. Is that easy, right? So all you have to do with most of this investment, download the platform, create your account. For Nigerian stock market, it's opens Monday to Friday. It's not open over the weekend. And once you have an account, create account with them. You can start investing. Although take time to understand the risk which I have mentioned earlier, you can invest in a stock and it will drop. Okay, this is was MT looking using for example MTL we got at 169 during the primary offer at a point it got to as high as I think 320 sometime 2024 there about before you know it it started dropping it dropped to 200 it dropped to 180 even 170 many people were panicking but imagine today or as at the time I did that last video on MTN it was already 800 and something and who says it can't keep it can't keep growing so the trick is that invest in solid companies. You don't have to be pursuing new new this just identify solid companies you believe in their business and go relax. Oh, you could even invest in ETFs which is like a pool of different funds. I have videos explaining those in details. But here stock investing is one opportunity you can leverage using your 10,000 naira.

[00:14:16]And we've mentioned how you are going to make money. The value appreciation, the compounding over period and then the additional dividend is going to make for you. The last one we are going to be looking at now is Higher Highest Savings Account. Now, this is the easiest one.

[00:14:31]As they are making this video, you can even be watching it. Pause it. Go and download an app and start with HighAir.

[00:14:37]Highest savings account is just what it is. Is savings, but you're getting decent interest, not the rubbish the bank is paying us. THERE ARE SO MANY amazing fintech platforms here in Nigeria that you can leverage for this.

[00:14:48]Um, let's say there is the popular ones.

[00:14:50]We have piggy vest and we have Bluetooth. There are so many of them even bamboo has um savings s this thing and we have economy we in fact so many of them calorie wise so many that you can leverage siko yeah siko actually have one of the highest interest rate at the moment right these are all apps you can use so all you have to do is download this app sign up then move your money or we're talking about 10k right every month move 10k to these platforms one hack I can give you you can do it an automated instruct your bank or put your credit your card in a way that on a particular month it will move that 10k to your bank or to your investment account that is it some platforms have done it automatically that anyone you sign up to each month you will do the investment automatically without you even um touching it right so this are more for this platform some of them can get you I think samon has up to 20% yeah new has up to 18% the last I check I think bamboo is at about 16% of that about So different platforms has their different rate. Just get the ones you are comfortable with. A lot of them are doing a good work. Just make sure that number one, it's either they regulated or they are partnered with a regulated platform for the safety of your money.

[00:16:04]So if there are all of these opportunities, you can start with 10K.

[00:16:07]Why are you NOT INVESTING YET? WHY IS YOUR MONEY SOLELY IN THE BANK? WHY ARE YOU MAKING THE BANKS RICH? YES, the banks you leave your money there. They bring it investment bankers like us and make so much money. How much do they give you? Nothing. And they will even charge you on top. You will pay bank charges. You will pay this one. You can't be a member of this community and you are still darling. Not when you know financial journey. It's not possible. So from all of the things we've discussed, which one do you want to kickstart on?

[00:16:34]Like I said earlier, I have different videos before focusing on some of this investment that some we didn't even mention. Treasury bill, commercial paper. Okay, those ones cannot do it.

[00:16:44]Sh. But at least these three we've discussed. What's next? What next is to pick one, sign up and start. And remember it's on a monthly basis and don't lie to yourself. Once you are able to afford more, please increase it. 10K is just for starters to build your muscle or maybe something you can afford, increase it. And of course, in our world builders academy, we look at multiple investments you can do is a 3 weeks online program we host on quarterly basis. The next cohort is coming up. I'm going to leave the link on description for you to join us. But more importantly, what question do you have about investing in any of these or the investment I mentioned before? Is there anyone you have explored before?

[00:17:20]Tell us about it. Remember in this community we share. And by the way, thank you so so much for being a part of this community. I appreciate you. I love you so much. Let's meet in the comment section.