Nigeria’s mutual fund industry has recorded remarkable growth, with total assets rising 92.6 per cent in one year as more investors turn to these collective investment products.
According to the Securities and Exchange Commission (SEC), the total Net Asset Value (NAV) of mutual funds reached N7.416 trillion on November 28, 2025, up from N3.850 trillion in November 2024. The surge comes as headline inflation slowed to 14.45 per cent in November 2025 from 16.05 per cent in October, boosting investor confidence and raising expectations of possible interest rate cuts next year.
Money Market Funds accounted for the largest share of the market, holding N4.552 trillion, or 61 per cent of total assets. Top-performing funds included RT Briscoe Savings & Investment Fund (24.34 per cent return), Page Money Market Fund (22.54 per cent), and STL Money Market Fund (20.32 per cent). Fixed Income Funds were second with a total value of N1.901 trillion, while Real Estate Investment Trusts (REITs) held N408 billion, representing 6.4 per cent of the market.
Mutual funds, also called Collective Investment Schemes, allow investors to pool resources across assets such as money markets, bonds, stocks, and real estate. This diversification helps reduce risk and protect investments during market fluctuations.
David Adonri, Analyst and Executive Vice Chairman at High Cap Securities Limited, advised investors to adopt a long-term approach. “Markets can go up and down in the short term, but staying invested allows your money to grow and protects against short-term changes,” he said, adding that spreading investments across different fund types can further mitigate risk.
The trend underscores growing trust in mutual funds as a reliable vehicle for wealth creation amid changing economic conditions in Nigeria.
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