Knowledge For The Modern Millennial

Category: Investing

A collection of blog posts about investing. Here, Zamai Banje writes and discusses on investing and how it affects young individuals.

Invest in Relationships the Right Way: Read this Now!!!

I previously published an article: The Best Investments To Do Right Now In Your 20s and 30s. The post highlighted relationships as one of the most valuable investments you can do right now. (Please read it now and continue this post when you’re done)

To understand this better, here is a little backstory. I used to believe individual strength was the most important virtue to succeed. I had this warped mentality. As long as I constantly honed my talent, nothing else mattered.

My dear, I was wrong. Extremely wrong. Relationships are very important. Building healthy, positive and beneficial relationships is key in climbing the ladder of success as a modern millennial.

People own companies and build businesses. Technologies are developed by people. People share knowledge and teach skills.

The closer you get the right people, the faster and better your chances of building a wealthy future.

Zamai Banje – the best investments to do right now in your Twenties and thirties

After reading this article, you will learn tips on building beneficial and influential relationships. Investing in people always brings exponential returns in the long term. Here are the tips:

Photo by Kevin Delvecchio on Unsplash


Let love be without hypocrisy. Abhor what is evil. Cling to what is good. Be kindly affectionate to one another with brotherly love


When it comes to building relationships, don’t fake it. Be honest. Love from your inner being. Show care from the innermost parts of your heart. This is true sincerity.


Loyalty is a valuable currency when investing in people. Be a good friend. Treat the most important people in your life as family. Be devoted to them.


…in honour giving preference to one another

romans 12:10b NKJV

If you want someone to be a significant part of your life, put their priorities first. Make them feel honoured always. Give them more respect than you give yourself.

Laugh with them on their joyous moments. Weep with them on terrible days. Don’t get jealous of another person’s victories. Celebrate with them. Learn to recognize people’s needs as your own.


…distributing to the needs of the saints, given to hospitality.

Romans 12:13 NKJV

Always look for ways to meet the needs of others. Be a person of value. Be kind. Always feel free to share your energy, expertise and experience with people who need your help. This creates an abundant mindset for you. A person with abundance never lacks.


Repay no one evil for evil. Have regard for good things in the sight of all men. If it is possible, as much as depends on you, live peaceably with all men.

ROMANS 12: 17-18 NKJV

Yeah. This sounds difficult especially in this era that glorifies paybacks and clap backs, but it’s best to never return evil for evil. Two wrongs don’t make a right. In contrast, return evil with good.

There is beauty in everyone. Seek this beauty and complement their strengths rather than downplaying their weaknesses.

Don’t insist on getting even. Be the odd one. Be kind and friendly.


Be of the same mind toward one another. Do not set your mind on high things, but associate with the humble. Do not be wise in your own opinion.


Be fair and open-minded when communicating with people. This allows you make good judgement of people’s character and competence. Do not ever feel superior to others either because of your rank, race or gender.

This also feels counterintuitive but be willing to be friends with people who don’t look important to others. This world is a small place and you never know what could happen in the days to come.

Yeah. That’s it. These tips look simple. However, they are very powerful. I am already utilizing most of the tips (especially number two) and they have worked wonders.

What about you? Which tip will you work on today?

The Best Investments To Do Right Now In Your 20s and 30s

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At the beginning of the year, (5th January 2020 to be precise), I posed this question to a popular Nigerian venture capitalist and investor on Twitter:

Sir, as a young millennial just starting a career and investment portfolio; which investment plan in Nigeria could workout and pay off in the long game for the next decade?”

I never got a direct answer till today. But after some research, personal experience and interactions with other like-minded individuals, I finally found the answers. And this is what this article is about.

At the end of this article, you will learn six investments you can do right now and the direct steps to undertake these investments.

First of all, Investing is committing money or capital with the expectations of financial gains. In finance, it is defined as placing your capital in the hopes of getting profit from its usage or appreciation.

For the modern millenial like you and I, Investment must be a smart game. A game that is carefully leveraged with the right information and technologies to reap future benefits.

So here are six investments you can do right now in your twenties or thirties with the above perspective in mind:


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One of the world’s richest men and the godfather of investing, Warren Buffett got rich through this type of investment. He transitioned from buying stocks of companies in his country at a young age to owning major shares and eventually owning some of these companies. Buffett got wealthy because of two reasons:
– The stability of the United States (U.S) Economy
– His consistency, discipline and due diligence

The second reason can be honed and developed over time but the first reason (financial stability) is only achieved in developed countries with strong economic background. This is why I am specifically about investing in U.S Stocks, not just any shares or stocks.

So the question is…

How Can You Invest in U.S Stocks?

If you are an American, the process is pretty easy for you. But if you’re a Nigerian (like me), you can’t physically walk into the United States Stock market to get started.

Nonetheless, today’s technology makes it possible to buy and sell U.S Stocks. Personally, I use a mobile app called Bamboo. Bamboo is a platform that allows you to use your Nigerian bank details to access these shares. They have a limited number of companies to buy stocks from, but it suits my investment needs so far.

I have also heard about similar platforms like Chaka, Rise but I haven’t tried them out. You can always do your research and due diligence. It’s also possible to find a more secure, faster and convenient way to buy U.S stocks if your research is done right.


Mutual fund is a form of collective investment where money from many investors is pooled and invested in various securities (such as stocks, bonds, treasury bills e.t.c.) under the direction of a fund manager.

In simpler terms, Mutual funds can be imagined as Pizza slices where you are able to get extra value (in this case, profit) usually exclusive to the table of the affluent.

Personally, I love mutual funds because of its stability, diversification and competitive returns. There is always a specific mutual fund that can fit your investment needs and risk/profit appetite.

How Can You Invest in Mutual Funds?

You can always purchase mutual funds from licensed and authorised asset management companies. For instance, I invest in mutual funds through Anchoria Asset Management Limited (you can find more details here).

As usual, I advise you to gather knowledge, seek guidance before purchasing mutual funds. Due diligence is also key here.


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This is definitely the most futuristic and arguably a debatable Investment path on this list. Cryptocurrency is a digital currency based on a cryptographic system. For example, Bitcoin is a currency based on complex digital technology and solely traded on the Internet.

How Can You Invest in Cryptocurrency

Presently, I don’t have an investment in cryptocurrency (even though I used to have a Bitcoin wallet and dabbled in other cryptocurrencies too), but I have friends who get gains and preach the gospel of the cryptocurrency. (And I hope to join them soon. I am still gathering specific knowledge)

As a millenial, you have to embrace technology and the role it is playing in the modern society. Technology is accelerating rapidly, entering virtually all sectors of the economy. And Money will eventually be one of them. So endeavour to balance both your knowledge and experience before venturing into the beautiful world of Cryptocurrency.

This is not all. Do you want to know what the last three best investments are?


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Your best investment is still yourself. Strive to be the best version of you. Invest your time, energy and resources in building your income, impact and influence. Because investing in yourself is the only way the other investments can grow and flourish rapidly.

How Can You Invest in Yourself?

Build relevant skills. Expand your knowledge. Do this with intentionality and purpose. Always remember to invest in your dreams.


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When investing in yourself, the next closely related investment is building quality relationships with people. Why is this investment also important?

Because People own companies. People build businesses. People sell products. People buy products. People share knowledge. People teach skills. People develop technologies.

The closer you get the right people, the faster and better your chances of building a wealthy future. The closer you enter those circles of influence, the bigger your sphere of affluence becomes.

How Can You Invest in Relationships

Trust me, I keep learning to do this investment every day. And I try to build these relationships using the law of 33%:

– Spend 33% of your resources with people below you (your mentees)
– Spend 33% of your resources with people on the same level with you (your peers)
– Spend 33% of your resources with people above you (your mentors)

Your resources involves your experience, energy and expertise. Using this law, you get to teach, interact and learn from everyone you come in contact with. It also gives the needed balance in your relationships with people.

Here is the last and most important investment of them all.


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Whilst you are young and agile, there is always the tendency to throw caution to the wind in a bid to enjoy the pleasures of life. That youthful exuberance. That boundless energy. I still pass through this phase every moment of my life and I have found out that a close relationship with God brings the balance.

Investing in a close continuous lovely relationship with God eliminates your anxieties and worries for the future. It also allows you to make peace with the past and be content with the present.

Note this down – You were created for eternity. And you are a spiritual being simply having an earthly experience. The investment with God enables you to enjoy both worlds. Savouring Today and Enjoying Tomorrow’s rewards.

How Can You Invest in a Relationship with God?

For me, I know God more by studying His Word – the Bible. I communicate with Him through prayers and I observed His marvellous works through the circumstances around me. All these are parts of investing in a relationship with God.

You can start with these principles and carve your path. A path that suits you. It’s a personal relationship after all.

“For what shall it profit a man, if he shall gain the whole world, but lose his soul?”

Mark 8:36


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Investments will always come with risks. No pain, no gain, right? But there’s one key factor I have highlighted throughout this article:

Constantly seek Knowledge. Because Knowledge is the biggest insurance against risks.

Acquire knowledge in the fields of investments you plan to venture into. Watch and ask from seasoned Investors in that field. There will always be mistakes, so learn to use your experience to maximise success and reduce future failure. Learn to take smart risks.

So that’s it.

In sum, Invest in U.S Stocks, Mutual funds, and cryptocurrencies. More importantly, Invest in your dreams, people and your relationship with God. These are the best investments you can do right now.

Finally, remember investment is a marathon and could be boring at times. But it always pays off at the end.

Cheers to your continued success and creativity.