Checklist
Before your first ₦100,000
Ten steps to work through before you put money into any Nigerian fund. The goal, the buffer you keep separate, the licensing check, the fees, and the habit. Interactive, printable, no jargon.
Open the checklistResourcesNo email, no signup, no gate
Free resources
Checklists, data files, and reference guides from the Naira Journal archive. Take what is useful.
Start here
If you are new to investing in Nigeria
These two are the most useful things on this page.
Checklist
Platform safety check
Five SEC-sourced checks you can run on any investment platform in a few minutes. Registration lookup, promised-return red flags, withdrawal terms, and who to contact if something goes wrong.
Open the checklistData and trackers
Tools you use repeatedly, not just read once
CSV dataFree
Live account ledger
Every entry in the Naira Journal account from day one. A publicly available real-money Nigerian investing ledger, with a source video linked for each update.
date, deposited_to_date_naira, balance_naira, above_deposits_naira, held_in, source_video
Download the CSVInteractiveFree
Ajo / Esusu tracker
Enter your members, the contribution amount, and the cycle length to see the full payout schedule. Works for any group size. Fill it in the browser, no account needed.
Open the trackerPDFFree
The 12-month money tracker
A printable annual tracker in the Naira Journal format: income, expenses, savings, monthly summaries, and a goals page. Print it, fill it in, keep it honest.
Download the PDFReading
NGX Market Mood
The daily NGX Market Mood reading: momentum, breadth, and trend against its own recent run, combined into one 0 to 100 score, with its own history strip.
View the Market Mood pageReference
Consult when a term or decision stops you
GuideFree
What every fund fact sheet should show
A plain-English tool for reading a Nigerian fund fact sheet: what each section means, which numbers actually matter, and what a fund is hiding if a section is missing.
Open the decoderGlossaryFree
Nigerian investing glossary
Plain-English definitions for the terms you meet in Nigerian personal finance, from CSCS to NAV to stale pricing. No assumed knowledge.
Open the glossaryOne-pager
Sending money home, or investing it
A single-page framework for whether to send money home now or invest it first. Not a calculator, a decision structure you can come back to.
Read the one-pagerImageFree
The checklist, in one image
The ten checklist items condensed into one picture, made to forward. Not to print, to send.
Download the image