As Nigerians evaluate investment options for 2025, experts highlight key opportunities in dollar savings, Nigerian stocks, and other assets. In 2024, naira depreciation provided substantial returns for dollar-denominated investments, with projections of continued but reduced naira volatility in 2025. The Nigerian stock market surged 35% last year, driven by gains in oil, insurance, and banking sectors, and is expected to attract more foreign portfolio investors in the new year. Analysts suggest a diversified portfolio, emphasizing equities, telecommunications, and agriculture for their growth potential.
Fixed-income markets also present opportunities, with local treasury bills yielding 25.8% in 2024. Investment professionals advise allocating a significant portion of portfolios to both domestic and foreign fixed-income securities, capitalizing on anticipated interest rate cuts. US stocks showed strong performance last year, and further gains are anticipated as interest rates ease. Meanwhile, digital assets like cryptocurrencies and gold continue to attract attention as alternative investments, with growing global adoption and regulation expected to drive their value.
For cash-heavy investors, real estate remains a solid option, buoyed by demand for affordable housing despite high borrowing costs. Across asset classes, the consensus is clear: diversification remains essential for navigating Nigeria’s dynamic economic landscape in 2025.
