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Investing for Everyday Nigerians & the Dangote Refinery IPO

Grow money on a normal Nigerian salary — treasury bills, bonds, funds, NGX shares — and apply for the Dangote Refinery IPO without being scammed.

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About this course

Investing in Nigeria is not reserved for people with millions. This course teaches the full menu honestly: what inflation does to idle naira, how treasury bills, FGN savings bonds and money-market funds actually pay, how the Nigerian Exchange works from CSCS accounts to dividends, how to read a company's numbers, and how to build a small, diversified portfolio from ₦20,000 a month. Then it goes deep on the biggest share sale in African history: the Dangote Petroleum Refinery IPO — the approved offer terms as of 5 September 2026, what is still unknown until the prospectus, how to value a ₦525 share like an analyst, the exact application steps through a licensed broker or NGX Invest, allotment and refunds, and the fake 'pre-IPO' scams the SEC has already warned about. No guaranteed returns, no hype — just the process, the maths and the risks.

Picture ₦100,000 left in a current account since September 2025. It still says ₦100,000 on the screen, but the National Bureau of Statistics put headline inflation at 15.43% in July 2026 and food inflation above 20%. The number did not change; what it buys did. That quiet shrinkage is the reason investing exists at all — not to get rich fast, but to stop money you worked for from melting. This lesson gives you the three ideas the whole course rests on: what inflation really does, how interest and compounding fight it, and the honest line between saving, investing and gambling. Everything later — treasury bills, funds, NGX shares, the Dangote Refinery IPO — is built on these.

What you'll learn

Course syllabus — 12 lessons

  1. Why idle naira loses — inflation, interest and the difference between saving, investing and gambling13 min
  2. Before the first naira goes in — emergency fund, debt, time horizon and the lock-away test12 min
  3. The Nigerian investment menu, ranked honestly — from fixed deposits to land to crypto15 min
  4. Lending to the government — treasury bills, FGN savings bonds and money-market funds, with the maths14 min
  5. Shares 101 — how the Nigerian Exchange works, from CSCS account to dividend15 min
  6. Reading a company in an hour — revenue, profit, debt, P/E and dividend yield without an accounting degree15 min
  7. Building a portfolio on ₦20,000 a month — diversification, dollar exposure and three worked plans14 min
  8. IPOs and public offers explained — book-building, prospectus, NGX Invest, allotment and what listing day really looks like15 min
  9. The Dangote Petroleum Refinery — the business, the money behind it, and the IPO terms as they stand on 5 September 202616 min
  10. Is ₦525 a good price? Valuing the Dangote IPO like an analyst — bull case, bear case and how much of your money it deserves16 min
  11. Applying for the Dangote IPO step by step — the checklist, the channels, allotment, refunds, listing day, and the scams already running16 min
  12. After you invest — monitoring without panic, when to sell, taxes and records, the Ponzi immune system, and the ten-year habit13 min

Your project

Your Personal Investment Plan & Dangote IPO Analyst Note

One document containing all five parts, clearly numbered 1-5. Use real numbers for your own situation (rounded ranges are fine) and cite the date of any IPO figures you use.

Certificates on Skillnaija are earned, not issued for attendance: you submit this project, it is graded against a rubric, and passing issues a certificate anyone can verify. See the full project brief, rubric and free workbook →

Frequently asked questions

Is Investing for Everyday Nigerians & the Dangote Refinery IPO free?

Yes. Investing for Everyday Nigerians & the Dangote Refinery IPO is completely free on Skillnaija. You need a free account to open the lessons, and there is no charge for the course, the project, or the certificate.

How long does Investing for Everyday Nigerians & the Dangote Refinery IPO take to complete?

6 weeks · ~4 hrs/week. There are 12 lessons, about 3 hours of material in total. You learn at your own pace and your progress is saved.

Do I need any experience to start Investing for Everyday Nigerians & the Dangote Refinery IPO?

Beginner-friendly. You can start from scratch — no prior experience is assumed.

What will I learn in Investing for Everyday Nigerians & the Dangote Refinery IPO?

You will build practical skills in Investing basics, Personal finance, Treasury bills, FGN savings bonds, Mutual funds, Money market funds, Stock market (NGX), CSCS account setup, IPO application, Dangote Refinery IPO, Reading a prospectus, Company valuation basics, Dividend investing, Portfolio diversification, Risk management, Financial literacy, Scam and Ponzi detection, Investment tax basics. Every lesson is written for a Nigerian context, with examples drawn from how the work is actually done and paid for here.

Do I get a certificate for Investing for Everyday Nigerians & the Dangote Refinery IPO?

Yes, but it has to be earned. You complete the course project — Your Personal Investment Plan & Dangote IPO Analyst Note and submit it for grading. Passing the project issues a verifiable certificate; finishing the lessons alone does not.

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