In today’s digital world, investing has become more accessible than ever before. Many people still believe that investing in stocks or mutual funds requires a lot of money, but that’s no longer the case. With apps like Optimus by Afrinvest, you can now start investing with as little as ₦100. This guide will walk you through everything you need to know about using the Optimus app to invest smartly and start building your wealth, even if you have less than ₦3,000.
The goal of this article is to show you that investing is not just for the wealthy. You don’t need tens of thousands of naira to get started. Thanks to digital innovations like the Optimus app, you can take control of your financial future with just a small amount of money. This guide will help beginners understand how to invest in stocks and mutual funds using the app, especially if they are working with a limited budget.
N/B: Investment involve risks taking.
About Optimus App
Optimus by Afrinvest is a powerful, easy-to-use financial app that helps you save, invest, and manage your money in one place. It is designed for both beginners and experienced investors who want easy access to local and international investment opportunities. Here are some of its standout features:
- US Stocks: You can invest in popular U.S. companies like Apple, Tesla, Microsoft and Amazon.
- Mutual Funds: Access a wide range of professionally managed funds in both Naira and Dollar.
- OptiFlex: Save periodically and earn competitive interest rates on your savings.
- OptiLock: Lock your money for a set period to earn even higher interest.
The app is available on both the Google Play Store and Apple App Store, and has already gained the trust of thousands of users.
How to Use the Optimus App for Buying Stocks and Mutual Funds with Less Than ₦3,000
Here’s a step-by-step guide on how to use the Optimus app to invest:
- Download the App: Install Optimus from your phone’s app store.
- Register and Verify: Sign up and complete any required KYC (Know Your Customer) processes.
- Fund Your Wallet: Use your bank card or transfer funds to your wallet in the app.
Choose Your Investment Type:
Mutual Funds: Some funds, especially Naira-based ones, allow you to start with as low as ₦1,000 or ₦2,000. For example, the Afrinvest Equity Fund is a great entry point.
US Stocks: Though some stocks are priced higher, the app allows fractional investing, meaning you can buy a small portion of a stock with what you can afford.
Place Your Investment: Select your desired investment, enter the amount, and confirm the transaction.
How to Earn Money on Optimus App
There are several ways to make money using the Optimus app:
- Stock Price Growth: When the value of your stock increases, you gain profit.
- Dividends: Some stocks and funds pay dividends regularly, which is a known way of sharing profits with investors.
- Mutual Fund Profits: The professional fund managers aim to grow your money by investing it wisely.
- High-Yield Savings: OptiFlex and OptiLock plans offer returns as high as 15% on Naira and 5% on Dollar savings, depending on the plan and duration.
How to Withdraw Your Earnings
Withdrawing your money is simple:
- Go to the Withdrawal Section: Open the app and tap on “Withdraw.”
- Select the Account: Choose the account or wallet you want to withdraw from.
- Enter Your Bank Details: Ensure they match with your registration information.
- Type in the Amount: Input the amount you want to withdraw.
- Confirm the Withdrawal: Approve the transaction and wait for the funds.
- Processing Time: Withdrawals may take a few hours to a few business days depending on your bank.
Conclusion
With Optimus by Afrinvest, anyone can become an investor, regardless of how much money they have. The app is user-friendly, affordable, and packed with features that help you grow your wealth steadily. Whether you want to start with ₦1,000 – ₦3,000 or less it’s more important to start now than to wait. Your journey toward financial freedom can begin today with just a few clicks.
