20 lazy man investment with monthly returns in Nigeria

If you run a 9 to 5 and still want some extra cash in your bank every month, knowing an investment with monthly returns in Nigeria that will pay you at least ₦50,000 or more in a month is possible. And the good news that this article is here to teach you. Most of the strategies will be teaching you how to make money online in Nigeria.

Hence, if you’ve been experiencing some difficulties in earning a legitimate side income online, this is the place to be. All you need to earn is the necessary skillset. So, without further ado, let’s help you make some money.


With blogging, you look for people’s pain point, develop an expertise in it, write posts about it, they see you as an authority, and pay you to solve their problem, on the one part.

You can simply go full business, take up some products within the health niche, hobby niche or financial niche, write posts about them in form of a review, and earn commission per sale.

This can be done in various form, video, text or audio visual (video and text).

Blogging is ranked as the number one money-making opportunity in Nigeria, and anyone can do it by sharing valuable information about any niche.

Search volume of “Blogging”

You could blog about politics, animals, sports, business, and so forth. As long as you have proper knowledge about a particular aspect of life, you can create a blog around it.

As a blogger, your major aim is to drive traffic to your blog.

Traffic remains the premier facie of viability in any business around or done on the internet.

With a good traffic coming to your blog, you should be sure of banking some dollars through different monetization windows.

How to make money online in Nigeria blogging?

Blogging is one “lazy man” investments with monthly return in Nigeria, if you know how it works.

And the concept of “lazy man” here means, you don’t necessarily have to work all the time before you get paid.

It means, you developed a system that pays you while you do nothing.

So you can earn money online in Nigeria blogging by becoming an adsense publisher, affiliate marketer, promoter and selling your own products on your blog, on auto pilot.

Nevertheless, you should understand that blogging involves content and the kind of content that people would read with their data and time, is quality content, only!

The key contention is how to make content on a consistent basis that is quality and good to read.

There are various ways of making content that appeal to your target audience, but first, it starts with knowing who your audience is.

How to know your blog audience?

You know your blog audience, first by deciding on the niche you want to focus your blog on.

If you want to blog for business, you should focus your blog around people’s hobby, beauty, health and fitness, education etc.

As a golden rule, you should choose a niche that never fade away with time and season.

For example, if you decide to focus your content on addictions, such as alcohol, masturbation, smoking etc or on racial topics such as #blacklivematter, black, negros, or on history: African history, european history, history of Nothern Nigeria etc.

You will not run out of ideas with such blog.

But then, you shouldn’t be carried away with how good a niche topic is.

You should subject it to certain criteria.

the amount of people that are actually searching for that topic or people who are willing to spend their money on products or recommendations in that you will be giving in that niche.

How to know if a blog niche is profitable

There are several tools that can help you ascertain such.

But before you look for such tool, you should first know the parent topic of that niche.

For example, if we decide to go with “overcoming masturbation”, we should query the keyword on google.com.ng or google.com.ng/trends to understand how many people are searching for such content and also what the parent topic is.

investment with monthly returns in Nigeria
trends.google.com.ng result for “masturbation

Our query returned a positive result, which shows about 50 to 100 monthly searches per month on Google.

Even though this is not so much a large amount of traffic to guarantee a good earning as much as #50,000 per month, it is just an example that gives you a direction of where you are heading.

investment with monthly returns in Nigeria
More results of our query on “masturbation

Digging further, the trends.google.ng query is giving us a better perspective of what the subtopic we to base our blog.

In the screenshot above, you can see words such as Immune system, sex toy, fornication, penis enlargement etc.

You can also see some geo location results such as Anambra, Borno, Ekiti, Delta and Enugu.

Assuming I want to close in on this topic, I would have some clarity of at least the topic and subtopics of the niche I am interested in

Topic is Masturbation and subtopic could be “religious perspective of overcoming masturbation”

If we dive deeper, we would see some products we can sell in this niche, our blog tagline, url and endless topics that we can write about this topic.

To get to a great closing on blog niche that pays, you would need tools that help you reveal incredible data such as seen in the screenshot below,

investment with monthly returns in Nigeria

Blogging is one investment with monthly returns in Nigeria that is very easy to embark upon if you have the right guiding. If you do not have any money to invest, you could also earn money with zero investment, absolutely free.

Affiliate Marketing

Marketing is probably now a new term in the world of business or other ventures.

It is probably one of the most commonly used words you will ever find when discussing make money online or offline options.

And as a Nigerian, it is one skill that you need to recoup on your investment with monthly returns in Nigeria.

While marketing has never looked “sexy”, the way it was so last year, the internet has revolutionized how marketing is done.

And so much that you do not necessarily need to pull off your guard every blessed time you wish to do marketing.

investment with monthly returns in Nigeria
Online marketing process

Instead of walking down the street all the time, you identify where your customers gather online, and promote offers to them to earn a commission.

And with such marketing, you develop a process known as funnel, where you gather your leads, prospect to them and convert them to your offers.

And this require some investments with monthly returns in Nigeria. But depending on how you choose to investment.

With your time or with your cash.

Investing with your time would require extra effort than with your cash.

You may need skills such as copywriting and strong persuasion skills to convert strangers into customers through your YouTube channel or your personal social media account.

For paid promotion, you simply need to get the promotion assets from the vendor, and use it to run your campaign either with Google Adwords or Facebook sponsored advertisement.

YouTube Videos

If you are comfortable on camera, you may consider building a following with your videos on YouTube.

Video content is almost unbeatable in terms of the level of connection. So you may use this means to grow your audience, your email lists, and promote offers to your audience for commission.

Your videos can be centered on anything, but you must be creative and unique to earn on YouTube.

You can make a video about something you are passionate about and upload it on the platform.

The next step is to make it go viral by sharing the link and drive traffic to your channel.

As your views begin to increase, you can make money through Google AdSense or affiliate marketing.

On YouTube you would need 4000 watch time hours and 1000 subscribers to monetize your channel with Google, but before then your audience can always buy from you via your affiliate links.

Crypto Exchange

Like trading forex, crypto exchange means you are staking your money in a volatile market to earn on arbitrage.

You can comfortably make up to six figures monthly as a cryptocurrency exchanger.

One of the famous trading pairs is BTC/USDT, BTC/LTC, ETH/LTC.

How to trade cryptocurrency in Nigeria

Trading cryptocurency in Nigeria is basically, you go to crypto exchange site such as Binnance, fund your base currency with your Nigerian debit card or simple create a base currency wallet and do a P2P purchase from anyone you know or from our telegram group.

Once you are done with that, you set your entry point and your exit point.

And that means, you set your account to open a trade with your desired pair, eg you have $50 BTC and you set your trade to activate (ie, buy LTC) when it fall to certain amount, and sell it when it rise to certain amount.

And to know the “certain amount” is where the issue of expertise comes into.

You have to study your graph and understand the major events that influence price fluctuation in the crypto exosystem to be able to determine such limit to a reasonable extent.

Another best way is to buy such info from the experts such as Daba.

Social Media Management (SMM)

Social media account managers in Nigeria are not so much, and many small and medium scale businesses need their services.

You can work as a SMM agent on part time basis. Depending on your schedule, and if you are good at what you do, you will not run out of client so easily.

You can manage accounts on platforms like Facebook, Twitter, Instagram, and Snapchat.

As a beginner, you need to contact local businesses around you and offer them your services for a fee. This side hustle is quite lucrative and can earn you up to six figures in a month.

The best part is that there is no constraint on your location and you can do these service across clients and platforms with the help of tools such as hootsuite.

Real Estate Brokerage

Did you know that you can earn 10% of a real estate transaction when you refer someone to a property? Yes, it’s real. If you refer someone to property, you are entitled to a 10% commission for that particular transaction.

Bamboo group, Landway, Gtext Homes to mention, give 10 to 15% per referral that buys a property from them.

And most real estate properties go from 1 to 100 millions and above. So depending on people you know and their quality, you can start to determine your income.

It may need little investment.

Becoming a realtor is one way to earn ₦50,000 or more monthly.

Lots of individuals are searching for good properties to buy or rent; you can take advantage of that to build a side income for yourself. With the help of the Internet, your work is made easier as you can advertise and get quality leads from various platforms littered all over the web.


investment with monthly returns in nigeria
How much you can earn online as a freelancer

As a freelancer, you offer your skills online in a bid to make money. This is among the few online businesses you can start without paying a dime and still earn a considerable income.

However, if you should be mentored by someone who is already in the business, your earnings will be limitless. You can offer you services on platforms like Fiverr, Upwork, Guru, and Freelancer.

Freelancing has turned a lot of Nigerians into millionaires, and in most cases, you earn in dollars.

They render all forms of services, which includes writing, editing, and proofreading, graphic design, coding, digital marketing, etc.

As long as you have a digital skill to over, you will certainly see someone who is willing to hire you. As such, you get to earn some cool cash.

I can be your fiverr mentor, click here to know how!

Online Banking With V

It is easy to run an online bank today with your phone or laptop, and you earn by recruiting people to bank with you. The process is straightforward, and you need no license or documents to start.

All you need is an app called V.

The platform is run by one of the largest microfinance banks in the country, VFD Microfinance Bank, and they abide by CBN regulations.

You can download the Android and iOS compatible app and sign up to begin. The app allows you to earn different royalties for your referrals.


Would you like to be paid for answering questions on online surveys, doing small tasks, playing games, and so forth? Then ClixSense is a platform to be in. You also get paid for your referrals.

ClixSense is one of the few survey sites that doesn’t place a restriction on Nigerians.

As long as you do the work diligently, you will surely get your earnings.

You can earn up to $1.50 per survey; the amount you earn depends on the survey sponsor.

Another perk of enrolling in ClixSense is that in the absence of surveys, you can undertake other tasks to make money online in Nigeria.

ClixSense is one of the most recommended sites for Nigerians, so if you’ve been facing some confusion about how to make naira online through surveys, you now have an answer!

Renting Your Spare Room Through Airbnb

This app gives you the privilege of leasing out the extra room in your home to local and foreign visitors.

If you’ve had an extra room in your house and it has been lying fallow, you stand a chance to earn up to ₦50,000 from it every month.

The renters are pre-screened by the platform, so you need not worry about that. Therefore, if you have a free room at home and you have been searching for how to make money in Nigeria, this is your best bet.

You can earn as much as ₦10,000 or more per night on Airbnb rentals in Nigeria, and you also get to interact with people from around the globe. So, what are you waiting for to exploit this option?

Network Marketing

Business, they say, is a game of numbers.

This saying has been proven to be correct, as most successful businesses have a large customer base. So, if you are a people person and you have the charisma, you can become a network marketer and make up to six figures through it.

There are so many sustainable network marketing platforms in Nigeria today, feel free to enroll in one, and comfortably earn a side income monthly.


This platform is similar to “Who Wants To Be A Millionaire” and is among the most innovative ways to make money online in Nigeria. Here, you are paid to answer questions.

Therefore, if you have good knowledge about a variety of topics such as sports, politics, health, fashion and more, you can answer questions and win money. You could earn between ₦2,000 to ₦5,000 for every round you participate in.

Forex And Binary Options Trading

Forex involves the buying and selling of currencies, and it is a good way to earn a side income monthly. Since the price of currencies around the world will always fluctuate, Forex will be a viable income stream for people. You can analyze the market and execute trades to bag some cool cash.

Binary options are a bit similar to Forex, but it is all about predicting price movements for a short period. Let’s say you believe that the price of a currency will rise in the next five minutes; you can take that trade. If you are correct, you will make a profit; however, you have to careful because trading as a whole comes with its risks.

Become A Merchant On Jumia Or Konga

You can sell your items from the comfort of your home with these platforms, and it is easy to get buyers because they are the biggest online stores in the country.

You only need to create an account, find trending products, and create a listing. When someone orders your item, you can simply dispatch it through a logistics company and earn your profit.

Piece of cake, right?


Being a dropshipper means you have an online store with no inventory.

Your main objective is to generate orders and forward them to the wholesaler; he will ship the items to the customer anywhere in the world. So, your profit here is the difference between retail and wholesale prices.

This side hustle has turned lots of people into millionaires, meaning you could also be one if you get it right.

Pi Network

This is a new technology that has the potential of becoming the next big thing. It is an emerging cryptocurrency that is run by the people within the network.

Presently, it has over 3.5 million users worldwide, and you can earn by referring people. The best part is that you don’t have to pay to join; it is totally free.

Online Tutoring

If you are knowledgeable about a particular thing, you can create a course on it and earn money. Platforms like Udemy and Teachable allow you to publish your courses.

You set your tuition prices, and when people enroll, you make money. This is an easy way to bag more than ₦50,000 extra in a month.

Become A Virtual Assistant

As a virtual assistant, you are employed remotely to help people or businesses carry out certain tasks.

You only need a laptop, smartphone, and stable Internet connection.

You can render services like cold calling, emailing, customer support, transcription, etc.

It is surely one of the best ways to earn extra cash in your free time.

Bottom Line

Our great journey ends here, and we are sure that you have found some ways to make money online in Nigeria and investment with monthly returns in Nigeria. Feel free to explore any of the options, and you would be glad you did.

Faith Nte

Faith Nte is a Content Writer and Personal Finance Blogger

Recent Posts