How would you invest N100,000?

[Davidvictorson]

If you have N100,000 how would you invest it? Here is what someone recommended based on their own experiences, knowledge etc. They broke it down into 3 categories - Low risks, medium risks, and high risks investments. Continue reading . After reading it, I'd like to read your recommendations too.

Their recommendations/suggestions
- N50,000 will go into low risks savings 10% per annum

- N20,000 will go into medium risks VOO EFT

- N20,000 will go into medium risk individual stocks, Amazon, Tesla, Apple etc

- N10,000 will go into high risk Bitcoin, Ethereum etc.

https://www.instagram.com/p/CfVpAP2j-4c/?igshid=NTc4MTIwNjQ2YQ==

How would you invest N100,000? Break it down into 3 categories - Low risks, medium risks, and high risks investments.
Please note that I am not promoting any website or anything. It is not my website and I am not in anyway affiliated with them. This is to the moderators who may want to delete the topic for whatever reason. The link provided is for reference.

[BIT-BENDER]

Well to be honest hundred thousand naira isn’t that big it’s about $145 but definitely it’s a good start but one this to understand in crypto-currency investing is try as much as possible to reduce your risk.

Many newbies Dey fail to understand this and them Dey go for cheaper coin that legit coins. Yes at first cheaper coins with the hope of the coin rising some day can seem to be a smart move, but in reality it’s very risky. So many coins has fell to dust and investors has lost their money investing in those cheap coins.

I would rather go for proven coin, a large amount of the money I would put in Bitcoin and the remaining part I would put in Bitcoin again. Bitcoin is the safest option especially when you hate taking risk. (This isn’t a financial advice always do your research).

[Mate2237]

There is no two way about it for the investment. You just have to select the option one which the low risk. Nobody will like to Invest in a high risk Investment. As a beginner of the crypto world, he might split it into 50/50 Investment and when he has gotten enough knowledge about the system then he can invest the whole #100,000. That is the low risk management system I can recommend for now.

[MainIbem]

I don't actually see what he explained to make sense to me why because he turned everything upside, I don't think 100,000 Naira is huge enough for one to invest common 10k into Bitcoin, why not invest 60k or 70k into bitcoin and leave it for about 1 year considering the halving at hand. Well in my summary, I think the writer is a novice and never had a good knowledge towards bitcoin, for leaving what would change his life for good. To me I don't mind investing the whole lot of 100k into bitcoin than putting it elsewhere.

[Fiatless]

How would you invest N100,000? Break it down into 3 categories - Low risks, medium risks, and high risks investments.

My only potential option if I have N100,000 to invest will be to buy and hodl Bitcoin. My reason is that I have an interest mainly in long-term investment since I already have a trade that gives me daily income. But to answer your questions.

Low risk investment: I will consider buying cheap land in a rural area and keeping it for years. I will resell it when the price appreciates. Some farmlands in the interior area of my state can cost less than the amount stated above.

Medium risk investment: I will invest the money in buying of raw matreials such as cassava and using it to process garri that will be sold. Garri can be sold profitably in urban areas.

High-risk investment: it will be investing all in Bitcoin. Since the price is volatile, the coin is a high risked business. But it will be my first choice because I am not seeking instant profit.

[CryptocurencyKing]

Omo d analysis u don giv already plenty. All dis medium risk, low risk nd high risk, dem all na d same tin. Dat money no touch anywher wth d way gins b now. E no evn dey enof 2 run POS business cef.

Lik my man Sabinus, I go jst fine better 2 odd way sure wella, carri d N100k knack am. Once e enta, evrywher go jst dey stew. U knw dis matters na 

Na 2 mak sure say d moni no b borrowed money shah.

[Zanab247]

I will invest d #100k to BTC and Ethereum because, those coins will bringing me a good results wen the price go higher in d market. But invest such amount of money in dis bear season, is not too good to someone who want to make something good from his risk, unless he allow d price to go down before he can use d #100k to buy and hold until d price go higher before he can sell to make profits. I believe, many people that used dis strategy in d past received something good because, dey Carry out their research before investing the money in cryptocurrency dat help dem to achieve well from d market.

[Wiwo]

Based on my personal experience in investments 100k investment capital look unserious to me considering the current inflation rate and high taxation in most business and of truth you can't start up anything with that amount that could be called investment unless for kindergarten investors.

But if I have a careless 100k that I don't need for a long time, I could possibly put 80% into Bitcoin and the remaining 20k will go into other altcoins, because cryptocurrencies are the only investment that you can possibly dive into with such small capital,

Other investments may require structural development which is impossible with such an amount of capital, but once you can calculate the risk of cryptocurrency and can endure through the hustle of holding Bitcoin you can set up such an investment by just buying Bitcoin and holding then keep your DCA calculation accurate keep taking profits.

[CryptopreneurBrainboss]

If you have N100,000 how would you invest it? Here is what someone recommended based on their own experiences, knowledge etc. They broke it down into 3 categories - Low risks, medium risks, and high risks investments. Continue reading . After reading it, I'd like to read your recommendations too.

How would you invest N100,000? Break it down into 3 categories - Low risks, medium risks, and high risks investments.

Who dey say #100k too small, I hope say una know say minimum wage for the country na #30k and we get people wey no fit saved out #100k at the end of the year if not for other side hustle wey dem fit dey do. I dey see say crypto dun spoil una to the extend una no dey value Nigeria money again. If #100k too small carry am enter street and dash 10 people #10k then watch the joy wey go dey dem faces when they received that money wey be just 10% of wetin una dey talk say too small.

If na only #100k I get to invest, and I need divide am into 3 ways as you talk see as I go do am. 50% go into crypto investment wey I go consider high risk and I no go buy Bitcoin. I go closed eye put am for any of those these two altcoins wey I know say my money no fit loss anyhow like BNB or Ethereum. The target go be to get like 10x for this coins or atleast 5x go possible before next bull market finish wey go make that 50k either 250k or 500k.

Then I go put 30% for the low risk business wey go be buying of banks shares, I go just run 30k dat side as I know that money fit increase give me small profits ontop or e stay like dat and I fit withdraw am hold body Incase my other investment fall my hands and lastly I use the last 20% wey be 20k use do palmpay business wey be lending. I see lending as a medium risk business as I must collect collateral before I lend out the money. I no put Bitcoin for this matter as I go dey manage the Bitcoin I dey gather from my activities for the forum.

[CryptSafe]

OP this your topic sef too get k leg o but anyhow Sha e good as e dey so. Abobi forget say we wey dey here no dey  reason Naija mola again o but any how e be we still regard am as our mother land mola. Based on the happenings mate, that mola get strong value even if we wey dey here no see am as anything people plenty for outside wey Dr reason am very well.

As it stands now, dat bar  go make sense say person put like #30k for bitcoin based on say person one hold for long. Then spend like #20k for other altcoin wey you reason say go enter very well.

The rest of the mola na for physical business hustle o. If na family man wey you be your wife know wetin to use am do wey go dey bring in Rubs every day for the house. All these early morning akara roadside petty business na surebet o. Plenty people don use am build houses for town. Some  use am  don train their children for school finish.
Make we face d Koko forget say na blockchain we dey so. That mola wey op mention get strong value.

[Marykeller]

If you have N100,000 how would you invest it? Here is what someone recommended based on their own experiences, knowledge etc. They broke it down into 3 categories - Low risks, medium risks, and high risks investments. Continue reading . After reading it, I'd like to read your recommendations too.

How would you invest N100,000? Break it down into 3 categories - Low risks, medium risks, and high risks investments.

Who dey say #100k too small, I hope say una know say minimum wage for the country na #30k and we get people wey no fit saved out #100k at the end of the year if not for other side hustle wey dem fit dey do. I dey see say crypto dun spoil una to the extend una no dey value Nigeria money again. If #100k too small carry am enter street and dash 10 people #10k then watch the joy wey go dey dem faces when they received that money wey be just 10% of wetin una dey talk say too small.

If na only #100k I get to invest, and I need divide am into 3 ways as you talk see as I go do am. 50% go into crypto investment wey I go consider high risk and I no go buy Bitcoin. I go closed eye put am for any of those these two altcoins wey I know say my money no fit loss anyhow like BNB or Ethereum. The target go be to get like 10x for this coins or atleast 5x go possible before next bull market finish wey go make that 50k either 250k or 500k.

Na when peso broke na when em go know the value of the little Nigeria money wey em d see for hand and how valuable it is.

It is true sae crypto don spoil many of us for head for us to take 100k as small change. I remember when peso no d see change for pocket, any small amount like 10k wey em see, em go last for am for weeks before em go finish. But nowadays peso don the think anyhow like sae 100k don become small change for hand.

As em d now, em no go make sense of me to think sae 100k na small change no matter how em d see money. Imagine if peso carry that 100k put am straight into altcoins wey get potential and leave am there till bull run start. Imagine how em go be nah. Peso go blow be that nah.

[Broadanbig]

OP, if I see this kind money now ehn, I go reason am very well o. As e dey now that money get strong value just as CryptopreneurBrainboss talk. E get where you go enta give person #1k, the person go pray for you with utmost sincerity. Things dey happen o. As you dey sleep wake up dey see food chop make you thank God o because e get some people wey no get that privilege to even see chop sef. Not to talk of seeing work to get small thing do.
Things are happening. If there is any way you can help people around you whom you know are not really well to do please help them.
Sorry I didn't write about the topic tough but I felt it when I saw this topic. I had to say something about the happenings and the reality of life in this part of the world.

[Mr.suevie]

I don't actually see what he explained to make sense to me why because he turned everything upside, I don't think 100,000 Naira is huge enough for one to invest common 10k into Bitcoin, why not invest 60k or 70k into bitcoin and leave it for about 1 year considering the halving at hand. Well in my summary, I think the writer is a novice and never had a good knowledge towards bitcoin, for leaving what would change his life for good. To me I don't mind investing the whole lot of 100k into bitcoin than putting it elsewhere.

First you have to considered how exposed the person is when it comes to cryptocurrency especially bitcoin and how he or she feels about it to have invested so little in it. But its still not bad as you can still go with DCA  strategy if you want to top the investment but if am the op like you have already express, I don't mind putting all the cash for the crypto investment but there is one thing again how long is the person willing to hold this investment?

[Smartvirus]

If you have N100,000 how would you invest it? Here is what someone recommended based on their own experiences, knowledge etc. They broke it down into 3 categories - Low risks, medium risks, and high risks investments. Continue reading . After reading it, I'd like to read your recommendations too.

How would you invest N100,000? Break it down into 3 categories - Low risks, medium risks, and high risks investments.

Who dey say #100k too small, I hope say una know say minimum wage for the country na #30k and we get people wey no fit saved out #100k at the end of the year if not for other side hustle wey dem fit dey do. I dey see say crypto dun spoil una to the extend una no dey value Nigeria money again. If #100k too small carry am enter street and dash 10 people #10k then watch the joy wey go dey dem faces when they received that money wey be just 10% of wetin una dey talk say too small.

Real matter o, e get many for the country way no dey archive am before the year run out but, that no mean say, the money plenty shah. The devaluation of naira don make #100k common for eye and crypto don spoil people wella, that one na true. Na why many people and this one no be just within our people but, the world dey reason am like one get rich quick scheme.

If na only #100k I get to invest, and I need divide am into 3 ways as you talk see as I go do am. 50% go into crypto investment wey I go consider high risk and I no go buy Bitcoin. I go closed eye put am for any of those these two altcoins wey I know say my money no fit loss anyhow like BNB or Ethereum. The target go be to get like 10x for this coins or atleast 5x go possible before next bull market finish wey go make that 50k either 250k or 500k.

If we reason am for those way dey do from hand to mouth kind of lifestyle and them go like invest that money; crypto no be option o. How long you wan wait kwanu? You no go even fit reason trading because, 2sec them fit collect all from your hand. One place way I feel say gor nice for hand to mouth people na on food.

All these people way dey cook food for student environment. Once your cooking nice, people go patronise you and you grow from there.

[Dr.Bitcoin_Strange]

Someone who knows how to produce liquid dishwashing, handwashing, car wash, and body wash soap can invest like #50k in it. For someone who doesn't know how to produce the soaps, they can still learn it on YouTube.

Then the person can invest like #20k into the cultivation of Irish potatoes in just some plastic sacks in your compound or in an open space.

Then you can invest the last #30k into airtime VTU and data top-up. It's so favorable to me that I suggested possible means of investing the money into those classes of businesses, but it will really generate more profit if those businesses are handled efficiently. It will generate more profit than just saving #50,000 and expecting 10%, which is just #5000 (lol).

Who can manage #5k for three or even two days in Nigeria?

[CryptopreneurBrainboss]

If we reason am for those way dey do from hand to mouth kind of lifestyle and them go like invest that money; crypto no be option o. How long you wan wait kwanu? You no go even fit reason trading because, 2sec them fit collect all from your hand. One place way I feel say gor nice for hand to mouth people na on food.

All these people way dey cook food for student environment. Once your cooking nice, people go patronise you and you grow from there.

You dun think about the disadvantage for food business. What if one day people die from eating at your restaurant wey fit be your fault or not. You dun lose customers be dat oh that's if dem go allow you to dey sell there again. Food business sure but stress dey am and sometimes the profit no go come out due to increase in food items for market. If you ask me make I choose I go prefer investment wey go bring capital gain then restaurant wey go bring cash flow although cash flow dey very necessary for life.

Right from time me dey like capital gains that's why I dey find am very difficult to do manual businesses. Anything wey get to do with business with me, I dey like am online wey be say me fit manage am without leaving my bed. I no like too much stress although I get your point very well but the house , how una see am. Make una forget say una dey Bitcoin forum. Make we talk like brothers for here, between crypto investment and that fast food establishment wey our brother dey reason. Which one for sure pass no forget the budget wey dem give us above oh.

[Charles-Tim]

- N10,000 will go into high risk Bitcoin...

If you have the knowledge to speculate excellently, that will be when you will know that bitcoin is not that high risk at times as some people may say. Example is the time like this when bitcoin price has fallen very well, I will prefer to invest 70% on bitcoin and use 30% to gamble on altcoins. It is not an advice for newbies.

[Gozie51]

If we reason am for those way dey do from hand to mouth kind of lifestyle and them go like invest that money; crypto no be option o. How long you wan wait kwanu? You no go even fit reason trading because, 2sec them fit collect all from your hand. One place way I feel say gor nice for hand to mouth people na on food.

All these people way dey cook food for student environment. Once your cooking nice, people go patronise you and you grow from there.

You dun think about the disadvantage for food business. What if one day people die from eating at your restaurant wey fit be your fault or not. You dun lose customers be dat oh that's if dem go allow you to dey sell there again. Food business sure but stress dey am and sometimes the profit no go come out due to increase in food items for market. If you ask me make I choose I go prefer investment wey go bring capital gain then restaurant wey go bring cash flow although cash flow dey very necessary for life.

Right from time me dey like capital gains that's why I dey find am very difficult to do manual businesses. Anything wey get to do with business with me, I dey like am online wey be say me fit manage am without leaving my bed. I no like too much stress although I get your point very well but the house , how una see am. Make una forget say una dey Bitcoin forum. Make we talk like brothers for here, between crypto investment and that fast food establishment wey our brother dey reason. Which one for sure pass no forget the budget wey dem give us above oh.

First, make we leave that said say person fit die after eating the food because chances say that one go happen dey small. So I know think say the risk wey dey inside food business high pass crypto investment and again the time to enjoy crypto investment fit still long pass food business especially if na hodl you dey hodl and the guarantee self na for few coins as we know like BTC, Eth or maybe BnB, usdt and very few more. But the risk for food own be say food fit sour if customers no come but at all at all, na chop dem go chop am before e go sour or spoil.

However if we dey talk about ROI and the stress involved, Omo nothing pass make you dey your bed dey press oo. Make una no misunderstand the press wey I mean but if you dey house dey control your business online, na heaven for inside earth be that oo. Na who dem put sugar for him mouth wey vomit am ? Abi na who stress help?

Note: Regards to Op question, me I go put 90% for crypto and inside that 90% , bitcoin go collect 60%, Eth 15% and BnB 15%. The remaining 10% from the 100k go be for miscellaneous 

Meanwhile 100k no big to invest for Nigerian economy except you be artisan wey need to buy small small hand machines.

[Chris44521]

If we reason am for those way dey do from hand to mouth kind of lifestyle and them go like invest that money; crypto no be option o. How long you wan wait kwanu? You no go even fit reason trading because, 2sec them fit collect all from your hand. One place way I feel say gor nice for hand to mouth people na on food.

All these people way dey cook food for student environment. Once your cooking nice, people go patronise you and you grow from there.

You dun think about the disadvantage for food business. What if one day people die from eating at your restaurant wey fit be your fault or not. You dun lose customers be dat oh that's if dem go allow you to dey sell there again. Food business sure but stress dey am and sometimes the profit no go come out due to increase in food items for market. If you ask me make I choose I go prefer investment wey go bring capital gain then restaurant wey go bring cash flow although cash flow dey very necessary for life.

Right from time me dey like capital gains that's why I dey find am very difficult to do manual businesses. Anything wey get to do with business with me, I dey like am online wey be say me fit manage am without leaving my bed. I no like too much stress although I get your point very well but the house , how una see am. Make una forget say una dey Bitcoin forum. Make we talk like brothers for here, between crypto investment and that fast food establishment wey our brother dey reason. Which one for sure pass no forget the budget wey dem give us above oh.

First, make we leave that said say person fit die after eating the food because chances say that one go happen dey small. So I know think say the risk wey dey inside food business high pass crypto investment and again the time to enjoy crypto investment fit still long pass food business especially if na hodl you dey hodl and the guarantee self na for few coins as we know like BTC, Eth or maybe BnB, usdt and very few more. But the risk for food own be say food fit sour if customers no come but at all at all, na chop dem go chop am before e go sour or spoil.

However if we dey talk about ROI and the stress involved, Omo nothing pass make you dey your bed dey press oo. Make una no misunderstand the press wey I mean but if you dey house dey control your business online, na heaven for inside earth be that oo. Na who dem put sugar for him mouth wey vomit am ? Abi na who stress help?

Note: Regards to Op question, me I go put 90% for crypto and inside that 90% , bitcoin go collect 60%, Eth 15% and BnB 15%. The remaining 10% from the 100k go be for miscellaneous 

Meanwhile 100k no big to invest for Nigerian economy except you be artisan wey need to buy small small hand machines.

Na only Nigerian understand Nigeria, 100k na small money but fit start something in the digital world than the physical Shege country we dey. Abeg why una no get topics of how person fit start investing in Nigeria here. Me as i dey here now bitcoin never pay me o and i wun start to dey cash out before Nigeria choke person eyes comot for plug. Abeg who fit carry me along.

[Cryptomultiplier]

It is agreeable that #100k is a rather small amount in this current economic conditions. To consider a huge profit from any investment it is put into is expecting too much also.
While this is true, if someone already has the right knowledge in let's say crypto trading and investment, forex, digital graphic skill, vocational skill, or any other great practical skill that has the potential to yield profits with consistent effort; this #100k could go along way in advancing this course.

For me I would invest #100k in this manner;
*Buy BTC and trade, if I have the knowledge or HoDL trying out a DCA strategy till after the halving with 40%.
*Get an affordable equipment/tech piece for online business with 30%
*Use 20% to stock up on utilities, toiletries and groceries mostly in this weather of constant rain, while the balance 10% goes to savings.