Best Short-Term Investment Options in Nigeria for 2025: Expert Guide

In Nigeria's fast-moving economy, short-term investments are no longer just a way to park money; they’re a strategic tool for preserving capital, beating inflation, and capturing high-yield opportunities. With inflation hovering around 25% in 2025, savvy investors need options that combine liquidity, security, and attractive returns.

Here’s your expert guide to the top short-term investments in Nigeria this year.

1. Treasury Bills (T-Bills): Safe and Reliable

Treasury Bills are the cornerstone of short-term investment security in Nigeria. Backed by the federal government, they are ideal for investors seeking capital preservation with decent yields.

Key Advantages:

• Government-guaranteed security

• Current yields: 18-22% (2025)

• Tax-exempt interest

• Minimum investment: ₦100,000

• Highly liquid, with an active secondary market

For risk-averse investors, T-Bills offer a dependable balance of safety and returns that outperform standard savings accounts.

2. Fixed Deposit Accounts: Predictable Growth

Fixed deposits remain a preferred short-term option for investors who value stability and guaranteed returns. These accounts typically span 30 days to 12 months, offering pre-determined interest rates.

Top Offers (2025):

Expert Tip: For deposits above ₦5 million, negotiate with banks—rates can increase by 1-2% above advertised yields.

Compare Fixed Deposit Rates Across Banks

3. High-Yield Money Market Funds

Money market funds are ideal for professional investors seeking returns above savings accounts without locking funds long-term.

Top Performing Funds (as of Oct 2025):

• RT Briscoe Savings & Investment Fund: 22.73% p.a.

• Page Money Market Fund: 22.48% p.a.

• STL Money Market Fund: 20.89% p.a.

• Emerging Africa Money Market Fund: 20.30% p.a.

• Zedcrest Money Market Fund: 20.27% p.a.

These funds typically allow withdrawals within 24–48 hours, making them perfect for investors needing liquidity with strong returns.

Explore Money Market Funds on nairaCompare

4. Dollar Investments via NRNIA

The Non-Resident Nigerian Investment Account (NRNIA) is a top pick for investors holding foreign currency. Dollar-denominated investments can hedge against Naira volatility while offering short-term government-backed returns.

Key Features:

• Invest in foreign currency or Naira

• Access to Federal Government Securities with tax-free interest

• Flexible currency conversion at official rates

• Full repatriation rights

Open an NRNIA Account & Invest

5. Commercial Papers (CPs): Corporate Short-Term Debt

Commercial Papers are short-term debt instruments issued by reputable companies. While slightly riskier than government securities, they offer higher returns for investors comfortable with corporate exposure.

Current Rates (2025):

• Blue-chip companies: 20–22% p.a.

• Mid-tier corporations: 22–26% p.a.

  Expert Tip: Only consider CPs from highly rated corporations, and diversify across multiple issuers to reduce default risk.

6. Digital Savings & Fintech Investment Options

Fintech platforms are transforming short-term investing in Nigeria by offering competitive yields with easy accessibility.

Popular Options:

• PiggyVest Safelock: 18–20% for 3-month lockups

• Cowrywise Money Market Mutual Funds: 16–21% p.a.

• Kuda Bank Spend+Save: Up to 15%

These platforms are especially suited for investors seeking low entry barriers, instant account setup, and mobile-first solutions.

Diversification: The Cornerstone of Short-Term Investing

Professional investors know that no single option guarantees maximum returns. Diversifying across T-Bills, fixed deposits, money market funds, NRNIA, CPs, and fintech savings ensures liquidity, security, and growth.

Consider these factors when building your portfolio:

• Investment horizon and liquidity needs

• Risk tolerance and corporate exposure

• Currency exposure for international holdings

• Tax implications of interest income

  Compare All Short-Term Investment Options on nairaCompare
  
  

  Conclusion

  In 2025, Nigerian investors—both resident and diaspora—will have access to high-yield, short-term investment opportunities. From government-backed T-Bills to fintech-driven digital savings, there’s something for every sophisticated investor seeking growth with safety.
  
  Start small, diversify wisely, and leverage nairaCompare to compare rates, minimize risk, and maximize returns.