Last month, I posted on Nairaland: Fixed Deposit Vs Mutual Funds: Which Pays Returns With ₦100k Investment? In 3 weeks, it got 15,208 views, 55 likes, 7 shares. M inany people asked the same question: What is the difference between mutual funds, fixed deposits and shares?
Best 10 US ETFs and Stocks Nigerians Watch in 2026 (Not Recommendation, For Education Only)
Remember: Don't buy it because I mentioned it. Study first. Wisdom first.
1. VOO - Vanguard S&P 500 ETF: This holds 500 biggest US companies (Apple, Microsoft, Google). If America grows, this grows. One share is like owning 500 companies.
If this is your question, you are not alone. Many Nigerians in Lagos, Ibadan, and Nigerians in the UK want to own Apple, Tesla, Amazon, but they don't know where to start.
I have run a car wash at Dugbe public park, Ibadan since May 4, 2025. Every day I watch 3 POS points near my car wash. One day I asked my friend Tunde who runs POS beside me: "How much did you use to start?" His answer and my research is this post.
Many people search "POS business near me" on Google. I saw it in my Search Console People Also Search For. So I wrote this.
I submitted sitemap.xml to Google Search Console and I saw a strange query: "businesses near me". 0 clicks from Nigeria and United States for 3 months. No page found.
I went to Google search box and typed "business near me". Then I saw People also search for:
- Business near Ibadan
- Business near Lagos
- Small business near me
- Manufacturing business near me
- Startup business near me
I attended investment seminars three times in Ibadan and I learned to use licensed apps only. I am not promoting any app. I am not paid.
If you have ₦20,000 or ₦100,000 in Nigeria in 2026, should you put it in Fixed Deposit or Mutual Funds? Which one pays more?
Many people think you need millions to start a business in Nigeria. That is not true. In 2026, with ₦20,000 you can start small and grow. I am writing this from my experience as a car washer in Dugbe, Ibadan, and from what I have seen when I visited Lagos markets.
Many Nigerians think Treasury Bills are only for rich people with millions. I thought so too until I attended investment seminars three times in Ibadan in 2025. That was when I learned that with ₦5,000 you can start.
My name is Oluwamuyiwa Olusanya. I am a car washer in Dugbe, Ibadan. I started Investment4Business in 2026 because I wanted to share practical money lessons from everyday life. I am not a financial expert.
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My name is Oluwamuyiwa Olusanya. I am a car washer in Dugbe, Ibadan, Oyo State. I started this work on May 4th 2025 after closing my barbershop in 2024. Some days I make ₦5,000. Some days it rains from morning till night and I make ₦0. No salary alert. No fixed amount.
If you are reading this and your income is like mine - daily, weekly, not monthly - this post is for you. Salary earners have it easy.
Can someone earning ₦30,000 save ₦10,000 in 30 days in Nigeria? Many people say it is impossible. I used to think so too when I earned small money as a car washer in Dugbe, Ibadan.
But after I started saving ₦500 daily since May 2025, I learned it is possible with correct maths and discipline. Today I will show you how, with correct calculations that Google and AdSense will trust.
Many people told me car washing is a dirty job. But from May 2025 to today, I never go hungry because this car wash is what feeds me, buys my data for the Investment4Business blog, and gives me small money to invest for future emergencies.