About
For Nigerians figuring out investing back home.
The money decisions most of us were never really taught. Worked out in the open, in plain English, whether you are at home or abroad.
Plenty of Nigerians, at home and in the diaspora, have never really figured out how investing back home works. Not because it is too hard, but because nobody ever walked them through it. Naira Journal is where that gets worked out, in public.
Two things live here. Broad, sourced research on investing in Nigeria, what works, what does not, and where the friction is, from a fund fact sheet to the visual history of every form of money Nigeria has used. And a real account that puts ₦100,000 a month into a Nigerian equity fund and shows every balance, including the flat months.
It is research, not advice. Everything carries a named source and a date, and when something here turns out to be wrong, it is fixed in the open, at the top of the piece, and listed on the corrections page.
Three ways in, by where you are standing.
The same research, sorted for who is reading. Macro pieces are tagged Big Picture and turn up across all three.
Living in Nigeria
You earn naira, you spend naira, and you are ready for that money to finally do something. Access, on-ramps, and the accounts and apps already sitting on your phone.
Read this pathwayLiving abroad
One financial life in two currencies. Where the ISA, the TFSA or the 401k ends and the naira side of the plan begins, and the real cost of sending money home.
Read this pathwayStarting from zero
If nobody ever taught you this, that is most of us, and it is not your fault. Every term defined once, in order, from what money is to your first fund. The Basics is the ordered course.
Read this pathway