Investing in stocks sounds like something adults in suits do while drinking overpriced coffee and watching charts go up and down. But what if I told you that in 2025, you can start investing in stocks with just your phone, your savings, and a little bit of curiosity?
Yep, no stress, no financial jargon, no Wall Street drama.
In this blog, I’ll walk you through how to start investing in stocks in 2025 even if you’ve never touched a stock app in your life. We’ll talk about how it works, how much you need, what mistakes to avoid, and how to build wealth over time.
Why You Should Invest in Stocks
If you’ve been saving money under your mattress or in a savings account that gives you 4% interest, then you’re already losing. This is because inflation is real, and your money is literally losing value while you scroll on Instagram.
But the good news is that investing can help you beat inflation and grow your wealth.
In 2025, investing in stocks is no longer just for the rich or finance experts. You can now invest in stocks from Nigeria, Ghana, Kenya, or anywhere else with just a smartphone.
And you don’t need millions to start. You can start investing in stocks with as little as ₦1,000.
Myths About Stock Investing
- “I need a lot of money to invest.”
False. You can start with ₦1,000 using stock investment apps in Nigeria.
- “The stock market is too risky.”
Yes, there are risks, but long-term investing in solid companies pays off.
- “I’ll lose all my money.”
Only if you invest without a plan. Stick to what you understand and diversify.
What You Need to Start
- A smartphone and the internet
- A reliable investment app like the Trove app
- ₦1,000 or more
- A little patience and consistency
Optional: a small emergency fund so you’re not investing money you’ll need next week.
Steps to Start Investing
1. Choose a Stock Investment App
The first step to getting started is finding a reliable investment app. Look for one that is beginner-friendly, secure, and offers a variety of options, such as stocks, ETFs, and savings plans.
In Nigeria, the Trove app is an excellent choice. It allows you to invest in both Nigerian stocks and U.S. stocks, as well as exchange-traded funds (ETFs), all from the palm of your hand. The app is designed to be user-friendly, so you won’t need a finance degree to navigate it.
2. Set Clear Investment Goals
Before you start, define your investment goals. Ask yourself:
Am I investing for the long term, like retirement, or for a specific goal, like buying a house?
Do I want to grow my wealth gradually, or do I need short-term returns?
Knowing your goals will help you choose the right investments and guide your decision-making. For example, if you’re investing for retirement, you’ll want to focus on long-term growth and avoid high-risk options. On the other hand, if you’re saving for something short-term, consider lower-risk assets like ETFs or bonds.
3. Fund Your Account
Once you’ve chosen an app and set your goals, it’s time to add funds to your investment account.
This is a simple process, typically involving transferring money from your bank account to the app. Many platforms, like Trove, offer multiple funding options, including bank transfers and mobile payments.
You can start small, ₦5,000 or ₦10,000 is enough to begin your journey. As you get more comfortable, you can increase your investment amounts.
4. Choose Your First Stock or ETF
Now that your account is funded, it’s time to pick your first investment. A great strategy for beginners is to start with companies you understand or use regularly.
This could be a local bank, a popular tech company, or a well-known consumer goods company. If you’re unsure, start with an ETF (Exchange-Traded Fund). ETFs are collections of stocks, providing instant diversification, which can help lower your risk while you learn the ropes.
They’re an excellent choice for beginners who want exposure to a broad range of companies without having to pick individual stocks.
5. Stay Consistent and Invest Regularly
Investing isn’t about timing the market, it’s about consistency. Set a routine and stick to it. Whether it’s monthly, bi-weekly, or whenever you can, continue adding funds to your investment account. You can use the recurrent trade feature on the Trove app.
Regular contributions, even small ones, will help you grow your portfolio over time. The key to success in the stock market is patienceremember that compounding growth works best when you stay in the game.
Mistakes to Avoid
- Buying hype stocks: Don’t follow trends blindly. Do your research.
- Investing money you’ll need soon: The market goes up and down. Only invest long-term money.
- Panic selling: Don’t freak out if prices drop. Stay calm and think long-term.
Conclusion
Investing in stocks in 2025 is simple, even if you’re a complete beginner. Investing in stocks in 2025 is no longer a luxury or a mystery. It’s something you can start today, and the best part is that you can buy your first trade with your phone, your spare cash, and a little consistency.
Don’t wait till you’re “ready.” You get ready by starting.
