8 types of Passive Income Investments that actually works

Looking to make some passive income investments that will continue to bring you cash flow?

Or looking to grow your money without having to risk it on money making schemes?

Then passive income investments are the way.

Passive income investments are good for people who do not have time to manage businesses. They only want to have their money working for them, while they focus on other things such as jobs, family, school, or travel.

If you are looking for a passive income investment with a proven track record of working in Nigeria, then this article is just for you.

Let’s take a look at some of them.

Fixed Income Savings

There are several fintechs in Nigeria with a proven track record of paying fixed income returns on savings accounts.

These returns could range from anywhere between 7% to 15%.

The most popular fixed income platforms in Nigeria include Piggyvest, Cowrywise, and Risevest.

Stablecoin Wallets

Stablecoin is now the new craze of the crypto world.

The crypto market players are now deviating from attracting only the risky speculators, to attracting investors who don’t want to speculate but grow their funds consistently.

Many Cryptocurrency platforms are now offering Stablecoin savings plans where you can save or lock your crypto and earn passive income from it.

Here you have the chance to hold your money in crypto, which statistically appreciates in value, while also making.money from saving it.

This is indeed a double-edged investment for many.


I’m wondering why REITs are not yet a popular thing in Nigeria.

Not only do they return a healthy passive income, but can be pivotal in massive infrastructural development.

Well, a few REITs actually exist in Nigeria, but they are more popular with stock brokers and elite investors.

If you look deeply and put your ears on the ground, you’d definitely find a well-performing REIT that you can invest in for passive income.

Foreign Stocks

Need stocks that pay dividends on time and appreciate in value? 

Then go the foreign stocks way.

Buying of foreign stocks from Nigeria has been democratized so that anyone with a smartphone could invest and start earning passive income.

There are several mobile apps that helps you invest in foreign stocks from the comfort of your home.

All you have to do is provide your KYC and start investing.

I recommend using apps like Risevest and Passfolio.

Uber Fleet Partner 

Do you have interest in investing in transportation?

Do you want to make passive income from transportation without having to manage vehicles and drivers?

Then the Uber Fleet Partner program is just right for you.

All you have to do is invest in getting one or more cars on the Uber platform.

Uber essentially manages the car on your behalf and returns a healthy income into your account weekly.

And guess what?

You still own the vehicle, so you can choose to pull out your vehicle from the program and put it into other good use if you want.

GIGM Enterprise Partner

Just like Uber Fleet, GIGM Enterprise Partner program helps you invest in transportation for passive income.

All you have to do is invest in a bus of specific models, and get GIGM to manage them for you.

You don’t have to run around managing drivers and repair costs. 

GIGM gives you remote access to monitor the onloading and movement of your vehicle, so you can see how your money grows.

With the GIGM Enterprise Partner program, you could be making more than 100k Naira in passive income.

Branch Fixed Investment

If you follow my blog updates, then you would know that I’m a strong admirer of the Branch app.

I just love what the guys at Branch are doing in terms of financial Inclusion, as well as their intuitive and well-thought mobile app.

Anyways, with Branch, you could earn a healthy 20% ROI just by keeping your money with them.

Returns are calculated and paid weekly based on your account balance with them.

The biggest attraction with Branch is that they give you options to either ‘flex’ or lock your investment.

With their Flexi Investment option, you can withdraw your money at any time, and there is no obligation or penalty clause to keep your money for a particular maturity period.

But with their Fixed Investment option, you can lock your money away for a minimum of 30 days. This is perfect for disciplined investors who want to avoid the temptation of cutting from their investment pie.

Binance Trading

Binance is taking the crypto world by storm, and this is only just the beginning.

The financial innovation going on at Binance is just something to behold, and it wouldn’t be long before the company goes public if it wants to.

Trading on Binance is considered passive investment because there is almost no risk involved.

Well, it depends on the type of trading. But I mean p2p trading on Binance. I’ve previously blogged about how p2p trading is changing the Forex market landscape in Nigeria and how crypto platforms are becoming enablers.

So, how can you start trading on Binance for passive income?

Simply choose a particular crypto to start with, buy a reasonable amount of that crypto on Binance, and have some healthy cash in the bank ready for business.

Once that is in place, you can set up your Binance p2p shop. All you have to do is go to the p2p trades section and activate ‘advertisement mode’

One good thing about trading on Binance is that it is quite passive. While your holding funds keep appreciating, you only trade when someone requests your business.

Note that you’ll have to learn the ropes with Binance Trading to avoid being scammed or making costly mistakes with your trade.




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