How to Make Extra Money Every 3 Months in Nigeria Using Stocks 

Let me ask you a simple question 
That Lekki Toll Gate you pass every day…
The train from Lagos to Ibadan…
The ships entering Lekki Deep Sea Port…

Have you ever asked yourself:
“Who is collecting this money?”

It’s not only the government.
Investors are collecting money too.

And the good news is you don’t need to be rich to join them.

Let me explain it like I’m talking to a student or a salary earner.

What is PPP? (Very Simple Meaning)

PPP means Public–Private Partnership.

In plain English 👇
👉 Government and private companies work together to build big projects.

How it works:

• The government provides land, approval, and rules

• Private companies bring money and expertise

• They build things like:

  • Roads

  • Railways

  • Power plants

  • Ports

• People use them and pay fees or tolls

• Money comes in every day

• Investors earn from it

Examples you already know:

• Lekki Toll Gate → PPP

• Lagos–Ibadan Railway → PPP

• Lekki Deep Sea Port → PPP

• Azura Power Plant → PPP

These projects don’t stop working.
So the money doesn’t stop coming.

Read more https://happyinvest.ng/money-market-mutual-funds-ppp-explained-nigeria

How Can Ordinary Nigerians Benefit?

You may think:

“This thing is for billionaires.”

No.

There is something called Infrastructure Funds.
These funds lend money to PPP projects and share profits with investors.

One popular example is 👇

NIDF – Nigeria Infrastructure Debt Fund

• Managed by Chapel Hill Denham

• Invests in roads, power plants, ports, and railways

• These projects pay back with interest

• The fund then pays investors every 3 months

👉 This means quarterly income
👉 Like rent, but without tenant stress

Does NIDF Really Pay?

Yes. And consistently.

From 2020 till now, NIDF has never missed a dividend.

Dividend history (per unit):

• 2020: ₦2.70 – ₦3.57

• 2021: ₦1.70 – ₦3.44

• 2022: ₦3.00 – ₦3.75

• 2023: ₦4.00 – ₦4.75

• 2024: Up to ₦5.50

• 2025: ₦5.43 and ₦5.20 so far

Just recently, they paid ₦4.25 for Q3.
Another dividend is expected in December / January.

📌 NIDF pays FOUR times every year:

• January

• April

• July

• October

That’s extra money every 3 months.

Why Students & Salary Earners Like This

✔ You don’t need millions
✔ You can start small (₦5,000 or ₦10,000)
✔ No daily trading stress
✔ No landlord chasing tenant
✔ SEC-regulated (not a scam app)
✔ Passive income while you focus on school or work

Even when inflation hit 22%, NIDF still paid dividends.

How to Invest (Step-by-Step)

You can invest using any SEC-licensed stockbroker app, such as:

• InvestNaija

• I-Invest

• Afrinvest 2.0

• Bamboo

• Others with NGX access

Using InvestNaija (Simple Steps):

1️⃣ Download InvestNaija App
2️⃣ Open an account
3️⃣ Go to the Stocks / Trading section
4️⃣ Search for “NIDF.”
5️⃣ Choose how many units you want
6️⃣ Buy and relax
7️⃣ Collect dividends every 3 months

📌 You don’t have to use InvestNaija,
But it’s easier because Chapel Hill Denham manages NIDF.

Other PPP / Infrastructure Investments on NGX

Apart from NIDF, other examples include:

• AVAIF

• MREIF

• CNIF

• NREIT ( Real Estate )

They all focus on real assets that generate steady income.

Final Message (Important)

This is not get-rich-quick.
This is get-paid-consistently.

Instead of your money sleeping in a savings account,
It can be:

• Earning interest

• Paying you every 3 months

• Helping you build passive income gradually

So when someone asks you:

“How can I make extra money from stocks without stress?”

You can confidently say 
PPP investments like NIDF pay quarterly income and are available to ordinary Nigerians.