I’ve always had financial goals. However, last year, I realized that they are mostly “wishes” as I did not have actionable plans for my “goals”. So, I put action to my wishes and started actively researching better ways to grow my money.

As much as I do not consider myself a financial expert, I have taken time to study ( I am still studying) better ways to save and grow my money, many of which have worked well for me.

A Yoruba proverb says:

what you’ll not accept when you are rich, begin to reject it when you are poor (I hope I translated that well).

I’ll add that what you want to practice when you are rich, start practising it from when you don’t have as much.

For instance, if you want to save at least 40% of your earnings when you begin to earn 200,000 naira; start saving at least 20% when you are still earning 20,000 naira, it will instil in you the culture of saving.

Back to the point of this post.

Below, I will share with you some investment platforms that don’t require too much money to start.

Read: How to Discover, Own and Communicate Your Value

Please note:
– Before using these platforms, I did personal research on them. This is not an outright recommendation, just suggestions on platforms that can help grow your money. You may need to do some more research fro more info.

– Don’t invest in what you do not understand.

– Investment takes Patience (it is not a get rich quick scheme)

Here are several platforms that I’ve tried, some I use actively, some I don’t.


1. Piggyvest: Formerly known as Piggybank, PiggyVest helps you achieve financial freedom by enabling you to save responsibly and invest on the go. With Piggyvest you earn as much as 10% – 13% interests on savings and over 25% return on investments. Creating an account on their platform is simple and free. You can save as low 100 naira. Create a Piggyvest account now.

2. Cowrywise: With Cowrywise, you can plan, save or invest your money. Cowrywise is the all-in-one solution that helps you to save money and earn competitive returns for meeting both long and short-term goals. Their interest rates go as high as 15% annually. You can save as low as 100 naira also. Create an account and start saving today.

3. Agrecourse: Agrecourse is a crowdfunded agriculture investment platform. Investment opens in seasons and the minimum amount varies per farm product though, for Agrecourse, it’s usually a minimum of 25,000 naira. Create an account with them so as to be notified of their next investment opportunity. Other agriculture investment platforms are Farmcrowdy, Farmkart, Porkmoney, etc.

4. ARM Payday Investor: Payday Investor by ARM is a simple and secure way to put money aside for the things you want. Their interest rate can be as high as 12%. ARM also has mutual funds options. Create an account using this link.

5. Stanbic IBTC Mutual Funds: A mutual fund is an investment programme funded by shareholders that trade in diversified holdings and is professionally managed. Personally, I use the Stanbic IBTC Money Market Fund (“SIMM”) and it is one of the largest open-ended mutual funds in Nigeria. With 5000 naira, you can buy units of Money Market Fund.

Was this post helpful? What other platforms do you know and which do you use? Share with me in the comment section below.

Remember to always have emergency funds, so don’t lock up all your money in long term investment plans.

P.S: I didn’t include Treasury Bills on this list as it is of more common knowledge.

P.P.S: I used my referral link for some of the investments I shared😊.


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20 Replies to “5 Saving/Investment Platforms I’ve Used/Tried That Works”

  1. Lovely, I just downloaded the piggyvest app this week and I also created an account. I’d try to invest on the platform by the end of the month. This would be my first time investing. I’d start with this and extend to others as time goes on and as my income increases. Thank you so much for sharing.

  2. I hope to use one of these in addition to what I have. You can never be too prudent. Thanks for sharing Esther.

  3. Aha! I wrote a similar post sometime a year ago about investment options. I do hope people are more open minded to growing their income in different channels. Nice options you have here. I haven’t tried any asides piggyvest which I also wrote about.

    And I wrote elaborately on TBills, how it works, how % interest comes and even the calculation! Quite helpful

  4. Very insightful Esther. Thanks for sharing…. God Bless your understanding.
    Anticipate using this soon.

  5. This is apt! Thank you, Esther.

    Funny thing is, I have heard about many of these platforms but I’ve only used Treasury Bills (about the time you wrote this post) and I feel like I should have done more in ‘casting my bread on many waters’.
    So, it’s been almost a year since you made this post, any benefit of hindsight that you think we can have as an addendum?

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