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.
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.
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):
| Bank | Annual Rate |
|---|---|
| Credpal Wealth Plan | Up to 29% |
| Rank Capital Fixed Deposit | Up to 27% |
| Kuda Fixed Unlock | Up to 10% |
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
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
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
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.
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.
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