When I first held my newborn daughter, Tobi, in my arms, I felt an overwhelming sense of responsibility. Not just to be a good parent, but to secure a future where she could chase her dreams without the chains of financial stress holding her back. It wasn’t long before I realized that saving alone wouldn't cut it—especially in Nigeria, where inflation can easily eat away at your savings. I needed to invest.

The Spark of an Idea

I was sitting in my living room one evening, scrolling through Twitter, when I stumbled upon a thread about the power of compound interest. The idea that money could grow over time, simply by reinvesting earnings, intrigued me. I had heard of stocks, mutual funds, and other investment vehicles before, but they always seemed too complex and risky. However, the more I read, the more I realized that not investing was the real risk.

So, I decided to start small. My first investment was in a simple savings bond offered by the Central Bank of Nigeria. It wasn’t much—just ?100,000—but it was a start. The bond promised a modest return, but what mattered more to me was that I was finally taking that first step.

Diversifying the Portfolio

As Tobi grew older, so did my investment knowledge. I began to understand the importance of diversification—spreading your investments across different assets to minimize risk. I started exploring mutual funds, real estate, and even a bit of the Nigerian stock market.

One of my proudest moments was when I invested in a piece of land in Ogun State. Land is one of the few assets that generally appreciate over time, especially in Nigeria, where urbanization is rapidly expanding. It was a big purchase, but I saw it as a way to secure a tangible asset for Tobi's future.

The land was in a developing area, which meant it was affordable. I did my research, made sure the title was clean, and made the purchase. Five years later, the value of that land has more than tripled. If I ever need to, I can sell it and reinvest the profits into other assets or even fund Tobi's education.

The Power of Technology

As I became more comfortable with traditional investments, I started looking into how technology could help me manage and grow my portfolio. I discovered Robo-Advisors—automated platforms that use algorithms to manage your investments. It felt like having a personal financial advisor without the high fees.

Platforms like Cowrywise and Wealth.ng caught my attention. These apps allowed me to invest in a diversified portfolio of stocks, bonds, and other assets with just a few taps on my phone. The best part? They automatically rebalanced my portfolio, ensuring that my investments remained aligned with my financial goals.

One of the lessons I learned from using these platforms is the importance of regular contributions. Even if it's just ?10,000 a month, consistent investing can lead to significant growth over time. It's a habit I've encouraged Tobi to adopt as she gets older.

Passing on the Knowledge

Now, Tobi is a teenager, and I've made it a point to involve her in my investment decisions. We sit down together every few months to review our portfolio. I explain to her why we've invested in certain assets and the risks involved.

Recently, I opened a minor investment account in her name. This way, she can start her investment journey early, benefiting from the time and compound interest that I didn’t have when I started. We’re looking at a mix of local stocks and bonds, as well as some international ETFs that provide exposure to global markets.

The Future Looks Bright

Investing for the future is not just about securing a financial safety net; it's about creating opportunities. I want Tobi to have the freedom to choose her path in life, whether that's pursuing higher education, starting a business, or traveling the world.

Through careful planning and consistent investing, I'm confident that she’ll have the financial foundation to do just that. And the best part? I've shown her that with patience, discipline, and a bit of knowledge, anyone can secure their financial future—no matter where they start.