He wants to lock 10M naira for 20% annual ROI - that's 2M returns on his 10M capital by the end of the year. What's your advice for him? Is he on track or do you have better ideas for him? If he wants to go via the "locking up" or fixed deposit route, there are better options out there. He can still lock same 10M naira and "safely" get up to 60% to 70% ROI in one year. That's extra 6M naira to 7M naira instead of just 2M naira. And there are still other options. This is just one out of many. *PS:* You'd never find any legit fixed deposit that offers up to 60% to 70% annual ROI. I am the ONLY one that knows the hack around it. 😉